20.21 USD
+0.25 (+1.25%)
20.21 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to NBBK. NBBK was compared to 383 industry peers in the Banks industry. NBBK has a medium profitability rating, but doesn't score so well on its financial health evaluation. NBBK is growing strongly while it is still valued neutral. This is a good combination!
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
- Looking at the Return On Assets, with a value of 1.07%, NBBK is in the better half of the industry, outperforming 68.93% of the companies in the same industry.
- The Return On Equity of NBBK (7.90%) is comparable to the rest of the industry.
- The Return On Invested Capital of NBBK (3.11%) is better than 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 last Return On Invested Capital (3.11%) for NBBK is above the 3 year average (1.99%), which is a sign of increasing profitability.
| 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's Profit Margin of 18.37% is on the low side compared to the rest of the industry. NBBK is outperformed by 70.23% of its industry peers.
- In the last couple of years the Profit Margin of NBBK has declined.
- The Operating Margin of NBBK (67.86%) is better than 100.00% of its industry peers.
- In the last couple of years the Operating Margin of NBBK has grown nicely.
| 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.
- The number of shares outstanding for NBBK remains at a similar level compared to 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 -0.56. This is a bad value and indicates that NBBK is not financially healthy and even has some risk of bankruptcy.
- NBBK has a Altman-Z score of -0.56. This is amongst the best in the industry. NBBK outperforms 99.48% of its industry peers.
- The Debt to FCF ratio of NBBK is 57.78, which is on the high side as it means it would take NBBK, 57.78 years of fcf income to pay off all of its debts.
- NBBK has a Debt to FCF ratio of 57.78. This is amonst the worse of the industry: NBBK underperforms 84.86% of its industry peers.
- 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 96.34% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.25 | ||
| Debt/FCF | 57.78 | ||
| Altman-Z | -0.56 |
ROIC/WACC0.62
WACC4.99%
2.3 Liquidity
- NBBK has a Current Ratio of 0.05. This is a bad value and indicates that NBBK is not financially healthy enough and could expect problems in meeting its short term obligations.
- NBBK has a better Current ratio (0.05) than 99.48% of its industry peers.
- NBBK has a Quick Ratio of 0.05. This is a bad value and indicates that NBBK is not financially healthy enough and could expect problems in meeting 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
- The Earnings Per Share has grown by an impressive 316.06% over the past year.
- The Earnings Per Share has been growing by 26.69% on average over the past years. This is a very strong growth
- NBBK shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.78%.
- Measured over the past years, NBBK shows a very strong growth in Revenue. The Revenue has been growing by 46.42% on average per year.
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.
- Based on estimates for the next years, NBBK will show a small growth in Revenue. The Revenue will grow by 1.21% on average per year.
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.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 18.89 indicates a rather expensive valuation of NBBK.
- 78.33% of the companies in the same industry are cheaper than NBBK, based on the Price/Earnings ratio.
- When comparing the Price/Earnings ratio of NBBK to the average of the S&P500 Index (27.54), we can say NBBK is valued slightly cheaper.
- NBBK is valuated reasonably with a Price/Forward Earnings ratio of 9.39.
- Based on the Price/Forward Earnings ratio, NBBK is valued a bit cheaper than 73.11% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.31, NBBK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.89 | ||
| Fwd PE | 9.39 |
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 is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.6 | ||
| EV/EBITDA | 3.53 |
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.
- NBBK's earnings are expected to grow with 33.66% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.33
PEG (5Y)N/A
EPS Next 2Y41.82%
EPS Next 3Y33.66%
5. Dividend
5.1 Amount
- NBBK has a Yearly Dividend Yield of 1.40%.
- NBBK's Dividend Yield is slightly below the industry average, which is at 2.90.
- NBBK's Dividend Yield is slightly below the S&P500 average, which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.4% |
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%
20.21
+0.25 (+1.25%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-30 2025-10-30
Earnings (Next)01-20 2026-01-20
Inst Owners43.29%
Inst Owner Change-0.05%
Ins Owners4.29%
Ins Owner Change3.7%
Market Cap925.01M
Revenue(TTM)316.94M
Net Income(TTM)58.21M
Analysts80
Price Target22.95 (13.56%)
Short Float %4.33%
Short Ratio5.86
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.4% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
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)2.27%
PT rev (3m)7.14%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.27%
EPS NY rev (1m)0%
EPS NY rev (3m)2.48%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.89 | ||
| Fwd PE | 9.39 | ||
| P/S | 2.92 | ||
| P/FCF | 11.6 | ||
| P/OCF | 11.33 | ||
| P/B | 1.26 | ||
| P/tB | 1.26 | ||
| EV/EBITDA | 3.53 |
EPS(TTM)1.07
EY5.29%
EPS(NY)2.15
Fwd EY10.65%
FCF(TTM)1.74
FCFY8.62%
OCF(TTM)1.78
OCFY8.83%
SpS6.92
BVpS16.1
TBVpS16.1
PEG (NY)0.33
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 | -0.56 |
F-Score8
WACC4.99%
ROIC/WACC0.62
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.
What is the valuation status of NB BANCORP INC (NBBK) stock?
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.
Can you provide the financial health for NBBK stock?
The financial health rating of NB BANCORP INC (NBBK) is 2 / 10.