21.1 USD
+0.09 (+0.43%)
21.1 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to NBBK. NBBK was compared to 385 industry peers in the Banks industry. While NBBK is still in line with the averages on profitability rating, there are concerns on its financial health. NBBK is not priced too expensively while it is growing strongly. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
In the past year NBBK was profitable.
NBBK had a positive operating cash flow in the past year.
1.2 Ratios
NBBK has a Return On Assets of 1.07%. This is in the better half of the industry: NBBK outperforms 68.57% of its industry peers.
NBBK's Return On Equity of 7.90% is in line compared to the rest of the industry. NBBK outperforms 40.78% of its industry peers.
NBBK has a Return On Invested Capital of 3.11%. This is amongst the best in the industry. NBBK outperforms 99.74% of its industry peers.
The Average Return On Invested Capital over the past 3 years for NBBK is in line with the industry average of 2.62%.
The 3 year average ROIC (1.99%) for NBBK is below the current ROIC(3.11%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.07% | ||
| ROE | 7.9% | ||
| ROIC | 3.11% |
ROA(3y)0.62%
ROA(5y)N/A
ROE(3y)5.18%
ROE(5y)N/A
ROIC(3y)1.99%
ROIC(5y)N/A
1.3 Margins
NBBK has a Profit Margin of 18.37%. This is in the lower half of the industry: NBBK underperforms 70.13% of its industry peers.
NBBK's Profit Margin has declined in the last couple of years.
NBBK has a better Operating Margin (67.86%) than 100.00% of its industry peers.
NBBK's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 67.86% | ||
| PM (TTM) | 18.37% | ||
| GM | N/A |
OM growth 3Y14.26%
OM growth 5YN/A
PM growth 3Y-14.62%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so NBBK is destroying value.
NBBK has about the same amout of shares outstanding than it did 1 year ago.
The debt/assets ratio for NBBK is higher compared to a year ago.
2.2 Solvency
NBBK has an Altman-Z score of -0.55. This is a bad value and indicates that NBBK is not financially healthy and even has some risk of bankruptcy.
With an excellent Altman-Z score value of -0.55, NBBK belongs to the best of the industry, outperforming 99.48% of the companies in the same industry.
NBBK has a debt to FCF ratio of 57.78. This is a negative value and a sign of low solvency as NBBK would need 57.78 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 57.78, NBBK is doing worse than 84.94% of the companies in the same industry.
A Debt/Equity ratio of 6.25 is on the high side and indicates that NBBK has dependencies on debt financing.
NBBK has a worse Debt to Equity ratio (6.25) than 97.14% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.25 | ||
| Debt/FCF | 57.78 | ||
| Altman-Z | -0.55 |
ROIC/WACC0.61
WACC5.08%
2.3 Liquidity
A Current Ratio of 0.05 indicates that NBBK may have some problems paying its short term obligations.
NBBK has a Current ratio of 0.05. This is amongst the best in the industry. NBBK outperforms 99.48% of its industry peers.
A Quick Ratio of 0.05 indicates that NBBK may have some problems paying its short term obligations.
The Quick ratio of NBBK (0.05) is better than 99.48% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.05 | ||
| Quick Ratio | 0.05 |
3. Growth
3.1 Past
NBBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 316.06%, which is quite impressive.
The Earnings Per Share has been growing by 26.69% on average over the past years. This is a very strong growth
Looking at the last year, NBBK shows a quite strong growth in Revenue. The Revenue has grown by 13.78% in the last year.
The Revenue has been growing by 46.42% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)316.06%
EPS 3Y26.69%
EPS 5YN/A
EPS Q2Q%102.34%
Revenue 1Y (TTM)13.78%
Revenue growth 3Y46.42%
Revenue growth 5YN/A
Sales Q2Q%9.91%
3.2 Future
NBBK is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 33.66% yearly.
The Revenue is expected to grow by 1.21% on average over the next years.
EPS Next Y57.29%
EPS Next 2Y41.82%
EPS Next 3Y33.66%
EPS Next 5YN/A
Revenue Next Year-21.12%
Revenue Next 2Y-1.26%
Revenue Next 3Y1.21%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 19.72 indicates a rather expensive valuation of NBBK.
Compared to the rest of the industry, the Price/Earnings ratio of NBBK indicates a rather expensive valuation: NBBK more expensive than 80.26% of the companies listed in the same industry.
NBBK is valuated rather cheaply when we compare the Price/Earnings ratio to 26.55, which is the current average of the S&P500 Index.
NBBK is valuated reasonably with a Price/Forward Earnings ratio of 9.80.
Compared to the rest of the industry, the Price/Forward Earnings ratio of NBBK indicates a somewhat cheap valuation: NBBK is cheaper than 64.68% of the companies listed in the same industry.
NBBK's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.78.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.72 | ||
| Fwd PE | 9.8 |
4.2 Price Multiples
NBBK's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. NBBK is cheaper than 99.74% of the companies in the same industry.
NBBK's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.11 | ||
| EV/EBITDA | 3.7 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as NBBK's earnings are expected to grow with 33.66% in the coming years.
PEG (NY)0.34
PEG (5Y)N/A
EPS Next 2Y41.82%
EPS Next 3Y33.66%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.34%, NBBK has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.70, NBBK is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 1.87, NBBK is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.34% |
5.2 History
NBBK is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
DPN/A
EPS Next 2Y41.82%
EPS Next 3Y33.66%
21.1
+0.09 (+0.43%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners42.46%
Inst Owner Change2.62%
Ins Owners4.29%
Ins Owner Change0.65%
Market Cap965.75M
Revenue(TTM)316.94M
Net Income(TTM)58.21M
Analysts80
Price Target22.44 (6.35%)
Short Float %4.27%
Short Ratio6
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.34% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)4.76%
EPS NQ rev (1m)3.45%
EPS NQ rev (3m)2.27%
EPS NY rev (1m)-0.6%
EPS NY rev (3m)2.48%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.72 | ||
| Fwd PE | 9.8 | ||
| P/S | 3.05 | ||
| P/FCF | 12.11 | ||
| P/OCF | 11.83 | ||
| P/B | 1.31 | ||
| P/tB | 1.31 | ||
| EV/EBITDA | 3.7 |
EPS(TTM)1.07
EY5.07%
EPS(NY)2.15
Fwd EY10.2%
FCF(TTM)1.74
FCFY8.26%
OCF(TTM)1.78
OCFY8.45%
SpS6.92
BVpS16.1
TBVpS16.1
PEG (NY)0.34
PEG (5Y)N/A
Graham Number19.69
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.07% | ||
| ROE | 7.9% | ||
| ROCE | 27.47% | ||
| ROIC | 3.11% | ||
| ROICexc | 3.23% | ||
| ROICexgc | 3.31% | ||
| OM | 67.86% | ||
| PM (TTM) | 18.37% | ||
| GM | N/A | ||
| FCFM | 25.16% |
ROA(3y)0.62%
ROA(5y)N/A
ROE(3y)5.18%
ROE(5y)N/A
ROIC(3y)1.99%
ROIC(5y)N/A
ROICexc(3y)2.06%
ROICexc(5y)N/A
ROICexgc(3y)2.12%
ROICexgc(5y)N/A
ROCE(3y)15.54%
ROCE(5y)N/A
ROICexgc growth 3Y33.38%
ROICexgc growth 5YN/A
ROICexc growth 3Y32.95%
ROICexc growth 5YN/A
OM growth 3Y14.26%
OM growth 5YN/A
PM growth 3Y-14.62%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.25 | ||
| Debt/FCF | 57.78 | ||
| Debt/EBITDA | 21.14 | ||
| Cap/Depr | 66.66% | ||
| Cap/Sales | 0.61% | ||
| Interest Coverage | 1.56 | ||
| Cash Conversion | 37.46% | ||
| Profit Quality | 136.97% | ||
| Current Ratio | 0.05 | ||
| Quick Ratio | 0.05 | ||
| Altman-Z | -0.55 |
F-Score8
WACC5.08%
ROIC/WACC0.61
Cap/Depr(3y)178.49%
Cap/Depr(5y)N/A
Cap/Sales(3y)2.96%
Cap/Sales(5y)N/A
Profit Quality(3y)236.98%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)316.06%
EPS 3Y26.69%
EPS 5YN/A
EPS Q2Q%102.34%
EPS Next Y57.29%
EPS Next 2Y41.82%
EPS Next 3Y33.66%
EPS Next 5YN/A
Revenue 1Y (TTM)13.78%
Revenue growth 3Y46.42%
Revenue growth 5YN/A
Sales Q2Q%9.91%
Revenue Next Year-21.12%
Revenue Next 2Y-1.26%
Revenue Next 3Y1.21%
Revenue Next 5YN/A
EBIT growth 1Y44.82%
EBIT growth 3Y67.31%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-17.56%
FCF growth 3Y-0.63%
FCF growth 5YN/A
OCF growth 1Y-18.36%
OCF growth 3Y-0.5%
OCF growth 5YN/A
NB BANCORP INC / NBBK FAQ
What is the ChartMill fundamental rating of NB BANCORP INC (NBBK) stock?
ChartMill assigns a fundamental rating of 4 / 10 to NBBK.
Can you provide the valuation status for NB BANCORP INC?
ChartMill assigns a valuation rating of 6 / 10 to NB BANCORP INC (NBBK). This can be considered as Fairly Valued.
Can you provide the profitability details for NB BANCORP INC?
NB BANCORP INC (NBBK) has a profitability rating of 4 / 10.
What are the PE and PB ratios of NB BANCORP INC (NBBK) stock?
The Price/Earnings (PE) ratio for NB BANCORP INC (NBBK) is 19.72 and the Price/Book (PB) ratio is 1.31.