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NB BANCORP INC (NBBK) Stock Fundamental Analysis

USA - NASDAQ:NBBK - US63945M1071 - Common Stock

18.96 USD
+0.52 (+2.82%)
Last: 9/18/2025, 4:10:09 PM
18.96 USD
0 (0%)
After Hours: 9/18/2025, 4:10:09 PM
Fundamental Rating

4

Taking everything into account, NBBK scores 4 out of 10 in our fundamental rating. NBBK was compared to 392 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 not priced too expensively while it is growing strongly. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

NBBK had positive earnings in the past year.
NBBK had a positive operating cash flow in the past year.
NBBK Yearly Net Income VS EBIT VS OCF VS FCFNBBK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2021 2022 2023 2024 50M 100M 150M

1.2 Ratios

NBBK has a better Return On Assets (0.98%) than 61.99% of its industry peers.
The Return On Equity of NBBK (6.95%) is worse than 63.52% of its industry peers.
Looking at the Return On Invested Capital, with a value of 3.17%, NBBK belongs to the top of the industry, outperforming 99.74% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for NBBK is in line with the industry average of 2.46%.
The 3 year average ROIC (1.99%) for NBBK is below the current ROIC(3.17%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 0.98%
ROE 6.95%
ROIC 3.17%
ROA(3y)0.62%
ROA(5y)N/A
ROE(3y)5.18%
ROE(5y)N/A
ROIC(3y)1.99%
ROIC(5y)N/A
NBBK Yearly ROA, ROE, ROICNBBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2021 2022 2023 2024 2 4 6 8

1.3 Margins

NBBK has a Profit Margin of 16.55%. This is in the lower half of the industry: NBBK underperforms 70.92% of its industry peers.
In the last couple of years the Profit Margin of NBBK has declined.
Looking at the Operating Margin, with a value of 68.02%, NBBK belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
NBBK's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 68.02%
PM (TTM) 16.55%
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
NBBK Yearly Profit, Operating, Gross MarginsNBBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2021 2022 2023 2024 20 40 60

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2

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.
Compared to 1 year ago, NBBK has a worse debt to assets ratio.
NBBK Yearly Shares OutstandingNBBK Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 2024 10M 20M 30M 40M
NBBK Yearly Total Debt VS Total AssetsNBBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2021 2022 2023 2024 1B 2B 3B 4B 5B

2.2 Solvency

Based on the Altman-Z score of -0.55, we must say that NBBK is in the distress zone and has some risk of bankruptcy.
With an excellent Altman-Z score value of -0.55, NBBK belongs to the best of the industry, outperforming 99.49% of the companies in the same industry.
The Debt to FCF ratio of NBBK is 67.43, which is on the high side as it means it would take NBBK, 67.43 years of fcf income to pay off all of its debts.
NBBK has a worse Debt to FCF ratio (67.43) than 82.91% of its industry peers.
A Debt/Equity ratio of 5.96 is on the high side and indicates that NBBK has dependencies on debt financing.
With a Debt to Equity ratio value of 5.96, NBBK is not doing good in the industry: 96.17% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 5.96
Debt/FCF 67.43
Altman-Z -0.55
ROIC/WACC0.7
WACC4.54%
NBBK Yearly LT Debt VS Equity VS FCFNBBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2021 2022 2023 2024 200M 400M 600M

2.3 Liquidity

NBBK has a Current Ratio of 0.04. This is a bad value and indicates that NBBK is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 0.04, NBBK belongs to the top of the industry, outperforming 99.49% of the companies in the same industry.
NBBK has a Quick Ratio of 0.04. 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's Quick ratio of 0.04 is amongst the best of the industry. NBBK outperforms 99.49% of its industry peers.
Industry RankSector Rank
Current Ratio 0.04
Quick Ratio 0.04
NBBK Yearly Current Assets VS Current LiabilitesNBBK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 2022 2023 2024 1B 2B 3B 4B

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7

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 263.98% 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 17.15%.
NBBK shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 46.42% yearly.
EPS 1Y (TTM)263.98%
EPS 3Y26.69%
EPS 5YN/A
EPS Q2Q%66.67%
Revenue 1Y (TTM)17.15%
Revenue growth 3Y46.42%
Revenue growth 5YN/A
Sales Q2Q%12.59%

3.2 Future

Based on estimates for the next years, NBBK will show a very strong growth in Earnings Per Share. The EPS will grow by 34.58% on average per year.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y53.48%
EPS Next 2Y34.58%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
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.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
NBBK Yearly Revenue VS EstimatesNBBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2021 2022 2023 2024 50M 100M 150M 200M 250M
NBBK Yearly EPS VS EstimatesNBBK Yearly EPS VS EstimatesYearly EPS VS Estimates 2024 2025 2026 0.5 1 1.5

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6

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 13.94, which indicates a correct valuation of NBBK.
NBBK's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of NBBK to the average of the S&P500 Index (27.20), we can say NBBK is valued slightly cheaper.
NBBK is valuated reasonably with a Price/Forward Earnings ratio of 9.78.
63.78% of the companies in the same industry are more expensive than NBBK, based on the Price/Forward Earnings ratio.
NBBK is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.70, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 13.94
Fwd PE 9.78
NBBK Price Earnings VS Forward Price EarningsNBBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of NBBK indicates a rather cheap valuation: NBBK is cheaper than 100.00% of the companies listed in the same industry.
NBBK's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 11.59
EV/EBITDA 3.3
NBBK Per share dataNBBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

NBBK's 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 34.58% in the coming years.
PEG (NY)0.26
PEG (5Y)N/A
EPS Next 2Y34.58%
EPS Next 3YN/A

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1

5. Dividend

5.1 Amount

NBBK has a Yearly Dividend Yield of 1.49%. Purely for dividend investing, there may be better candidates out there.
NBBK's Dividend Yield is slightly below the industry average, which is at 3.73.
Compared to the average S&P500 Dividend Yield of 2.38, NBBK is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.49%

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
NBBK Yearly Dividends per shareNBBK Yearly Dividends per shareYearly Dividends per share 2025 0.02 0.04 0.06

5.3 Sustainability

DPN/A
EPS Next 2Y34.58%
EPS Next 3YN/A
NBBK Yearly Income VS Free CF VS DividendNBBK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2021 2022 2023 2024 10M 20M 30M 40M 50M

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NB BANCORP INC

NASDAQ:NBBK (9/18/2025, 4:10:09 PM)

After market: 18.96 0 (0%)

18.96

+0.52 (+2.82%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-23 2025-07-23/amc
Earnings (Next)10-30 2025-10-30
Inst Owners45.74%
Inst Owner Change1.83%
Ins Owners4.8%
Ins Owner Change82.26%
Market Cap755.18M
Analysts82.86
Price Target21.42 (12.97%)
Short Float %5.74%
Short Ratio9.63
Dividend
Industry RankSector Rank
Dividend Yield 1.49%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date08-06 2025-08-06 (0.07)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)8.01%
Min EPS beat(2)3.98%
Max EPS beat(2)12.04%
EPS beat(4)3
Avg EPS beat(4)4.44%
Min EPS beat(4)-20.81%
Max EPS beat(4)22.55%
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)5%
PT rev (3m)10.53%
EPS NQ rev (1m)0%
EPS NQ rev (3m)10.53%
EPS NY rev (1m)10.27%
EPS NY rev (3m)10.27%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 13.94
Fwd PE 9.78
P/S 2.44
P/FCF 11.59
P/OCF 11.27
P/B 1.02
P/tB 1.02
EV/EBITDA 3.3
EPS(TTM)1.36
EY7.17%
EPS(NY)1.94
Fwd EY10.22%
FCF(TTM)1.64
FCFY8.63%
OCF(TTM)1.68
OCFY8.87%
SpS7.77
BVpS18.51
TBVpS18.51
PEG (NY)0.26
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.98%
ROE 6.95%
ROCE 24.23%
ROIC 3.17%
ROICexc 3.27%
ROICexgc 3.35%
OM 68.02%
PM (TTM) 16.55%
GM N/A
FCFM 21.06%
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
ROICexcg growth 3Y33.38%
ROICexcg 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-Score6
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 5.96
Debt/FCF 67.43
Debt/EBITDA 20.6
Cap/Depr 64.69%
Cap/Sales 0.59%
Interest Coverage 1.52
Cash Conversion 31.41%
Profit Quality 127.24%
Current Ratio 0.04
Quick Ratio 0.04
Altman-Z -0.55
F-Score6
WACC4.54%
ROIC/WACC0.7
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)263.98%
EPS 3Y26.69%
EPS 5YN/A
EPS Q2Q%66.67%
EPS Next Y53.48%
EPS Next 2Y34.58%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)17.15%
Revenue growth 3Y46.42%
Revenue growth 5YN/A
Sales Q2Q%12.59%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y54.2%
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