20.4 USD
+0.17 (+0.84%)
20.4 USD
0 (0%)
Overall NBBK gets a fundamental rating of 4 out of 10. We evaluated NBBK against 387 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 growing strongly while it is still valued neutral. This is a good combination!
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.
1.2 Ratios
NBBK has a Return On Assets of 1.07%. This is in the better half of the industry: NBBK outperforms 68.48% of its industry peers.
NBBK has a Return On Equity (7.90%) which is comparable to the rest of the industry.
Looking at the Return On Invested Capital, with a value of 3.11%, 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 2.62%.
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's Profit Margin of 18.37% is on the low side compared to the rest of the industry. NBBK is outperformed by 70.03% 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 67.86%, NBBK belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
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
NBBK has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for NBBK remains at a similar level compared to 1 year ago.
NBBK has a worse debt/assets ratio than last year.
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 better Altman-Z score (-0.56) than 99.48% of its industry peers.
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.
NBBK has a worse Debt to FCF ratio (57.78) than 85.01% of its industry peers.
NBBK has a Debt/Equity ratio of 6.25. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 6.25, NBBK is doing worse than 97.16% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.25 | ||
| Debt/FCF | 57.78 | ||
| Altman-Z | -0.56 |
ROIC/WACC0.62
WACC5.01%
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
The Earnings Per Share has grown by an impressive 316.06% over the past year.
NBBK shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 26.69% yearly.
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.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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
NBBK is valuated rather expensively with a Price/Earnings ratio of 19.07.
79.84% of the companies in the same industry are cheaper than NBBK, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.34. NBBK is valued slightly cheaper when compared to this.
Based on the Price/Forward Earnings ratio of 9.48, the valuation of NBBK can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of NBBK indicates a somewhat cheap valuation: NBBK is cheaper than 64.60% of the companies listed in the same industry.
NBBK is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.56, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.07 | ||
| Fwd PE | 9.48 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, NBBK is valued cheaper than 100.00% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of NBBK is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.71 | ||
| EV/EBITDA | 3.53 |
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.
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 1.39%.
NBBK's Dividend Yield is slightly below the industry average, which is at 3.11.
Compared to the average S&P500 Dividend Yield of 2.31, NBBK is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.39% |
5.2 History
NBBK does not have a reliable dividend history as it only pays dividend since a couple or years.
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%
20.4
+0.17 (+0.84%)
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 Change0.84%
Market Cap933.71M
Revenue(TTM)316.94M
Net Income(TTM)58.21M
Analysts80
Price Target22.44 (10%)
Short Float %5.16%
Short Ratio7.81
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.39% |
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 | 19.07 | ||
| Fwd PE | 9.48 | ||
| P/S | 2.95 | ||
| P/FCF | 11.71 | ||
| P/OCF | 11.44 | ||
| P/B | 1.27 | ||
| P/tB | 1.27 | ||
| EV/EBITDA | 3.53 |
EPS(TTM)1.07
EY5.25%
EPS(NY)2.15
Fwd EY10.55%
FCF(TTM)1.74
FCFY8.54%
OCF(TTM)1.78
OCFY8.74%
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
WACC5.01%
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.
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 19.07 and the Price/Book (PB) ratio is 1.27.