NB BANCORP INC (NBBK) Stock Fundamental Analysis

NASDAQ:NBBK • US63945M1071

21.34 USD
-0.87 (-3.92%)
At close: Feb 27, 2026
21.34 USD
0 (0%)
After Hours: 2/27/2026, 8:22:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

NBBK gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 379 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 overvalued while it is showing excellent growth. This is an interesting combination.


Dividend Valuation Growth Profitability Health

5

1. Profitability

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 4 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

  • Looking at the Return On Assets, with a value of 1.07%, NBBK is in the better half of the industry, outperforming 66.23% of the companies in the same industry.
  • With a Return On Equity value of 7.90%, NBBK is not doing good in the industry: 60.95% of the companies in the same industry are doing better.
  • NBBK's Return On Invested Capital of 2.87% is amongst the best of the industry. NBBK outperforms 99.47% 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 2.75%.
  • The last Return On Invested Capital (2.87%) for NBBK is above the 3 year average (2.27%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 1.07%
ROE 7.9%
ROIC 2.87%
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

  • NBBK has a worse Profit Margin (18.37%) than 72.56% of its industry peers.
  • In the last couple of years the Profit Margin of NBBK has declined.
  • NBBK has a better Operating Margin (67.86%) than 100.00% of its industry peers.
  • In the last couple of years the Operating Margin of NBBK has grown nicely.
Industry RankSector Rank
OM 67.86%
PM (TTM) 18.37%
GM N/A
OM growth 3Y16.61%
OM growth 5YN/A
PM growth 3Y-15.3%
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. 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 has been increased 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 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

  • 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.
  • NBBK's Altman-Z score of -0.55 is amongst the best of the industry. NBBK outperforms 99.21% 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.
  • With a Debt to FCF ratio value of 57.78, NBBK is not doing good in the industry: 85.75% of the companies in the same industry are doing better.
  • NBBK has a Debt/Equity ratio of 6.25. This is a high value indicating a heavy dependency on external financing.
  • NBBK has a worse Debt to Equity ratio (6.25) than 97.10% of its industry peers.
Industry RankSector Rank
Debt/Equity 6.25
Debt/FCF 57.78
Altman-Z -0.55
ROIC/WACC0.57
WACC5.07%
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 0.05. 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 Current ratio of 0.05. This is amongst the best in the industry. NBBK outperforms 99.47% of its industry peers.
  • A Quick Ratio of 0.05 indicates that NBBK may have some problems paying its short term obligations.
  • NBBK's Quick ratio of 0.05 is amongst the best of the industry. NBBK outperforms 99.47% of its industry peers.
Industry RankSector Rank
Current Ratio 0.05
Quick Ratio 0.05
NBBK Yearly Current Assets VS Current LiabilitesNBBK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

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

8

3. Growth

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 20.69% 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 15.20%.
  • The Revenue has been growing by 40.16% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)64.49%
EPS 3Y20.69%
EPS 5YN/A
EPS Q2Q%27.5%
Revenue 1Y (TTM)15.2%
Revenue growth 3Y40.16%
Revenue growth 5YN/A
Sales Q2Q%-18.75%

3.2 Future

  • The Earnings Per Share is expected to grow by 22.87% on average over the next years. This is a very strong growth
  • 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 Y32.72%
EPS Next 2Y22.87%
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. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 12.13, NBBK is valued correctly.
  • Compared to the rest of the industry, the Price/Earnings ratio of NBBK is on the same level as its industry peers.
  • The average S&P500 Price/Earnings ratio is at 27.07. NBBK is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 9.14 indicates a reasonable valuation of NBBK.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of NBBK indicates a somewhat cheap valuation: NBBK is cheaper than 73.88% of the companies listed in the same industry.
  • NBBK is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.05, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.13
Fwd PE 9.14
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

  • Based on the Enterprise Value to EBITDA ratio, NBBK is valued 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 RankSector Rank
P/FCF 12.25
EV/EBITDA 3.77
NBBK Per share dataNBBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

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 22.87% in the coming years.
PEG (NY)0.37
PEG (5Y)N/A
EPS Next 2Y22.87%
EPS Next 3YN/A

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

1

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 1.26%, NBBK has a reasonable but not impressive dividend return.
  • NBBK's Dividend Yield is slightly below the industry average, which is at 2.73.
  • Compared to the average S&P500 Dividend Yield of 1.82, NBBK is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.26%

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
NBBK Yearly Dividends per shareNBBK Yearly Dividends per shareYearly Dividends per share 2025 2026 0.05 0.1

5.3 Sustainability

DPN/A
EPS Next 2Y22.87%
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

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Find the best dividend stocksShow peers with best dividend

NB BANCORP INC

NASDAQ:NBBK (2/27/2026, 8:22:00 PM)

After market: 21.34 0 (0%)

21.34

-0.87 (-3.92%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-20
Inst Owners43.29%
Inst Owner Change13.59%
Ins Owners4.29%
Ins Owner Change11.03%
Market Cap976.73M
Revenue(TTM)336.73M
Net Income(TTM)58.21M
Analysts80
Price Target24.48 (14.71%)
Short Float %3.81%
Short Ratio5.27
Dividend
Industry RankSector Rank
Dividend Yield 1.26%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date02-05
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)14.38%
Min EPS beat(2)12.04%
Max EPS beat(2)16.71%
EPS beat(4)4
Avg EPS beat(4)13.82%
Min EPS beat(4)3.98%
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)6.67%
PT rev (3m)11.63%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)8.53%
EPS NY rev (3m)15.66%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)6.46%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 12.13
Fwd PE 9.14
P/S 3.08
P/FCF 12.25
P/OCF 11.96
P/B 1.33
P/tB 1.33
EV/EBITDA 3.77
EPS(TTM)1.76
EY8.25%
EPS(NY)2.34
Fwd EY10.95%
FCF(TTM)1.74
FCFY8.16%
OCF(TTM)1.78
OCFY8.36%
SpS6.92
BVpS16.1
TBVpS16.1
PEG (NY)0.37
PEG (5Y)N/A
Graham Number25.25
Profitability
Industry RankSector Rank
ROA 1.07%
ROE 7.9%
ROCE 27.47%
ROIC 2.87%
ROICexc 2.98%
ROICexgc 3.05%
OM 67.86%
PM (TTM) 18.37%
GM N/A
FCFM 25.16%
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)20.03%
ROCE(5y)16.16%
ROICexgc growth 3Y31.07%
ROICexgc growth 5YN/A
ROICexc growth 3Y31.06%
ROICexc growth 5YN/A
OM growth 3Y16.61%
OM growth 5YN/A
PM growth 3Y-15.3%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.06
Health
Industry RankSector 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-Score6
WACC5.07%
ROIC/WACC0.57
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)64.49%
EPS 3Y20.69%
EPS 5YN/A
EPS Q2Q%27.5%
EPS Next Y32.72%
EPS Next 2Y22.87%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)15.2%
Revenue growth 3Y40.16%
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 1Y44.82%
EBIT growth 3Y63.44%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y131.57%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y126.49%
OCF growth 3YN/A
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 5 / 10 to NBBK.


What is the valuation status of NB BANCORP INC (NBBK) stock?

ChartMill assigns a valuation rating of 7 / 10 to NB BANCORP INC (NBBK). This can be considered as Undervalued.


Can you provide the profitability details for NB BANCORP INC?

NB BANCORP INC (NBBK) has a profitability rating of 6 / 10.


Can you provide the financial health for NBBK stock?

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