NB BANCORP INC (NBBK) Fundamental Analysis & Valuation

NASDAQ:NBBK • US63945M1071

Current stock price

21.585 USD
-0.66 (-2.99%)
At close:
21.585 USD
0 (0%)
After Hours:

This NBBK fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. NBBK Profitability Analysis

1.1 Basic Checks

  • In the past year NBBK was profitable.
  • In the past year NBBK had a positive cash flow from operations.
  • Each year in the past 5 years NBBK has been profitable.
  • NBBK had a positive operating cash flow in each of the past 5 years.
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 2025 50M 100M 150M 200M

1.2 Ratios

  • NBBK has a worse Return On Assets (0.72%) than 73.40% of its industry peers.
  • Looking at the Return On Equity, with a value of 5.86%, NBBK is doing worse than 78.46% of the companies in the same industry.
  • NBBK has a Return On Invested Capital of 2.37%. This is amongst the best in the industry. NBBK outperforms 99.20% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for NBBK is in line with the industry average of 2.71%.
  • The 3 year average ROIC (2.27%) for NBBK is below the current ROIC(2.37%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 0.72%
ROE 5.86%
ROIC 2.37%
ROA(3y)0.58%
ROA(5y)0.67%
ROE(3y)4.22%
ROE(5y)5.6%
ROIC(3y)2.27%
ROIC(5y)1.78%
NBBK Yearly ROA, ROE, ROICNBBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2021 2022 2023 2024 2025 2 4 6 8

1.3 Margins

  • Looking at the Profit Margin, with a value of 14.92%, NBBK is doing worse than 82.45% of the companies in the same industry.
  • NBBK's Profit Margin has declined in the last couple of years.
  • NBBK has a better Operating Margin (68.22%) than 100.00% of its industry peers.
  • NBBK's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 68.22%
PM (TTM) 14.92%
GM N/A
OM growth 3Y16.55%
OM growth 5YN/A
PM growth 3Y-15.35%
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 2025 20 40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. NBBK Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), NBBK is destroying value.
  • The number of shares outstanding for NBBK has been increased compared to 1 year ago.
  • The debt/assets ratio for NBBK is higher compared to a year ago.
NBBK Yearly Shares OutstandingNBBK Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 2024 2025 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 2025 2B 4B 6B

2.2 Solvency

  • NBBK has an Altman-Z score of -0.65. 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 -0.65, NBBK belongs to the best of the industry, outperforming 99.20% of the companies in the same industry.
  • NBBK has a debt to FCF ratio of 105.44. This is a negative value and a sign of low solvency as NBBK would need 105.44 years to pay back of all of its debts.
  • The Debt to FCF ratio of NBBK (105.44) is worse than 88.56% of its industry peers.
  • A Debt/Equity ratio of 7.04 is on the high side and indicates that NBBK has dependencies on debt financing.
  • With a Debt to Equity ratio value of 7.04, NBBK is not doing good in the industry: 97.34% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 7.04
Debt/FCF 105.44
Altman-Z -0.65
ROIC/WACC0.57
WACC4.18%
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 2025 200M 400M 600M 800M

2.3 Liquidity

  • NBBK has a Current Ratio of 0.06. 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 Current ratio of 0.06. This is amongst the best in the industry. NBBK outperforms 99.20% of its industry peers.
  • A Quick Ratio of 0.06 indicates that NBBK may have some problems paying its short term obligations.
  • NBBK has a Quick ratio of 0.06. This is amongst the best in the industry. NBBK outperforms 99.20% of its industry peers.
Industry RankSector Rank
Current Ratio 0.06
Quick Ratio 0.06
NBBK Yearly Current Assets VS Current LiabilitesNBBK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 2022 2023 2024 2025 2B 4B 6B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. NBBK Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 64.49% over the past year.
  • The Earnings Per Share has been growing by 22.16% 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 15.37% in the last year.
  • Measured over the past years, NBBK shows a very strong growth in Revenue. The Revenue has been growing by 40.24% on average per year.
EPS 1Y (TTM)64.49%
EPS 3Y22.16%
EPS 5YN/A
EPS Q2Q%27.5%
Revenue 1Y (TTM)15.37%
Revenue growth 3Y40.24%
Revenue growth 5YN/A
Sales Q2Q%-18.75%

3.2 Future

  • NBBK is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 22.99% yearly.
  • Based on estimates for the next years, NBBK will show a quite strong growth in Revenue. The Revenue will grow by 17.08% on average per year.
EPS Next Y35.9%
EPS Next 2Y22.99%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year31.58%
Revenue Next 2Y17.08%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
NBBK Yearly Revenue VS EstimatesNBBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
NBBK Yearly EPS VS EstimatesNBBK Yearly EPS VS EstimatesYearly EPS VS Estimates 2024 2025 2026 2027 0.5 1 1.5 2 2.5

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Find the best growth stocksShow best growing peers

6

4. NBBK Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 12.26, NBBK is valued correctly.
  • NBBK's Price/Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 27.71, NBBK is valued rather cheaply.
  • The Price/Forward Earnings ratio is 9.02, which indicates a very decent valuation of NBBK.
  • 80.05% of the companies in the same industry are more expensive than NBBK, based on the Price/Forward Earnings ratio.
  • NBBK's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 38.09.
Industry RankSector Rank
PE 12.26
Fwd PE 9.02
NBBK Price Earnings VS Forward Price EarningsNBBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of NBBK indicates a slightly more expensive valuation: NBBK is more expensive than 69.95% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 16.99
EV/EBITDA 2.9
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 22.99% in the coming years.
PEG (NY)0.34
PEG (5Y)N/A
EPS Next 2Y22.99%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

2

5. NBBK Dividend Analysis

5.1 Amount

  • NBBK has a Yearly Dividend Yield of 1.26%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.57, NBBK is paying slightly less dividend.
  • Compared to the average S&P500 Dividend Yield of 1.81, NBBK is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.26%

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 2026 0.05 0.1

5.3 Sustainability

  • 11.08% of the earnings are spent on dividend by NBBK. This is a low number and sustainable payout ratio.
DP11.08%
EPS Next 2Y22.99%
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 2025 10M 20M 30M 40M 50M
NBBK Dividend Payout.NBBK Dividend Payout, showing the Payout Ratio.NBBK Dividend Payout.PayoutRetained Earnings

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NBBK Fundamentals: All Metrics, Ratios and Statistics

NB BANCORP INC

NASDAQ:NBBK (4/21/2026, 8:01:18 PM)

After market: 21.585 0 (0%)

21.585

-0.66 (-2.99%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-29
Inst Owners50.35%
Inst Owner Change0.52%
Ins Owners4.91%
Ins Owner Change10.98%
Market Cap974.99M
Revenue(TTM)337.25M
Net Income(TTM)50.30M
Analysts80
Price Target24.99 (15.77%)
Short Float %4.51%
Short Ratio5.69
Dividend
Industry RankSector Rank
Dividend Yield 1.26%
Yearly Dividend0.13
Dividend Growth(5Y)N/A
DP11.08%
Div Incr Years0
Div Non Decr Years0
Ex-Date02-05
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)13.91%
Min EPS beat(2)11.11%
Max EPS beat(2)16.71%
EPS beat(4)4
Avg EPS beat(4)10.96%
Min EPS beat(4)3.98%
Max EPS beat(4)16.71%
EPS beat(8)6
Avg EPS beat(8)8.81%
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)2.08%
PT rev (3m)8.89%
EPS NQ rev (1m)1.89%
EPS NQ rev (3m)17.39%
EPS NY rev (1m)2.4%
EPS NY rev (3m)11.14%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)6.88%
Revenue NY rev (1m)0%
Revenue NY rev (3m)6.46%
Valuation
Industry RankSector Rank
PE 12.26
Fwd PE 9.02
P/S 2.89
P/FCF 16.99
P/OCF 16.04
P/B 1.14
P/tB 1.19
EV/EBITDA 2.9
EPS(TTM)1.76
EY8.15%
EPS(NY)2.39
Fwd EY11.08%
FCF(TTM)1.27
FCFY5.88%
OCF(TTM)1.35
OCFY6.24%
SpS7.47
BVpS19.02
TBVpS18.18
PEG (NY)0.34
PEG (5Y)N/A
Graham Number27.4411 (27.13%)
Profitability
Industry RankSector Rank
ROA 0.72%
ROE 5.86%
ROCE 25.81%
ROIC 2.37%
ROICexc 2.49%
ROICexgc 2.56%
OM 68.22%
PM (TTM) 14.92%
GM N/A
FCFM 17.01%
ROA(3y)0.58%
ROA(5y)0.67%
ROE(3y)4.22%
ROE(5y)5.6%
ROIC(3y)2.27%
ROIC(5y)1.78%
ROICexc(3y)2.36%
ROICexc(5y)1.88%
ROICexgc(3y)2.43%
ROICexgc(5y)1.93%
ROCE(3y)21.41%
ROCE(5y)16.98%
ROICexgc growth 3Y30.95%
ROICexgc growth 5YN/A
ROICexc growth 3Y31.06%
ROICexc growth 5YN/A
OM growth 3Y16.55%
OM growth 5YN/A
PM growth 3Y-15.35%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 7.04
Debt/FCF 105.44
Debt/EBITDA 25.89
Cap/Depr 94.97%
Cap/Sales 1.01%
Interest Coverage 1.61
Cash Conversion 26.02%
Profit Quality 114.06%
Current Ratio 0.06
Quick Ratio 0.06
Altman-Z -0.65
F-Score7
WACC4.18%
ROIC/WACC0.57
Cap/Depr(3y)87.23%
Cap/Depr(5y)141.46%
Cap/Sales(3y)0.98%
Cap/Sales(5y)2.37%
Profit Quality(3y)240.39%
Profit Quality(5y)203.97%
High Growth Momentum
Growth
EPS 1Y (TTM)64.49%
EPS 3Y22.16%
EPS 5YN/A
EPS Q2Q%27.5%
EPS Next Y35.9%
EPS Next 2Y22.99%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)15.37%
Revenue growth 3Y40.24%
Revenue growth 5YN/A
Sales Q2Q%-18.75%
Revenue Next Year31.58%
Revenue Next 2Y17.08%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y19.34%
EBIT growth 3Y63.44%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y39.09%
FCF growth 3Y22.49%
FCF growth 5YN/A
OCF growth 1Y40.76%
OCF growth 3Y15.25%
OCF growth 5YN/A

NB BANCORP INC / NBBK Fundamental Analysis FAQ

What is the ChartMill fundamental rating of NB BANCORP INC (NBBK) stock?

ChartMill assigns a fundamental rating of 5 / 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.


What is the profitability of NBBK stock?

NB BANCORP INC (NBBK) has a profitability rating of 5 / 10.


What is the valuation of NB BANCORP INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for NB BANCORP INC (NBBK) is 12.26 and the Price/Book (PB) ratio is 1.14.


Can you provide the financial health for NBBK stock?

The financial health rating of NB BANCORP INC (NBBK) is 2 / 10.