20.4 USD
-0.26 (-1.26%)
20.4 USD
0 (0%)
NBBK gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 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
- NBBK's Return On Assets of 1.07% is fine compared to the rest of the industry. NBBK outperforms 68.67% of its industry peers.
- Looking at the Return On Equity, with a value of 7.90%, NBBK is in line with its industry, outperforming 40.21% of the companies in the same industry.
- NBBK has a better Return On Invested Capital (3.11%) than 99.74% of its industry peers.
- NBBK had an Average Return On Invested Capital over the past 3 years of 1.99%. This 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 70.50% of its industry peers.
- In the last couple of years the Profit Margin of NBBK has declined.
- NBBK has a Operating Margin of 67.86%. This is amongst the best in the industry. NBBK outperforms 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.
- Compared to 1 year ago, NBBK has about the same amount of shares outstanding.
- Compared to 1 year ago, NBBK has a worse debt to assets ratio.
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.
- With a Debt to FCF ratio value of 57.78, NBBK is not doing good in the industry: 84.86% 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 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
WACC5.03%
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.
- With an excellent Current ratio value of 0.05, NBBK belongs to the best of the industry, outperforming 99.48% of the companies in the same industry.
- A Quick Ratio of 0.05 indicates that NBBK may have some problems paying its short term obligations.
- NBBK has a Quick ratio of 0.05. This is amongst the best in the industry. NBBK outperforms 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 357.70% 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
- Looking at the last year, NBBK shows a very strong growth in Revenue. The Revenue has grown by 30.31%.
- The Revenue has been growing by 46.42% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)357.7%
EPS 3Y26.69%
EPS 5YN/A
EPS Q2Q%N/A
Revenue 1Y (TTM)30.31%
Revenue growth 3Y46.42%
Revenue growth 5YN/A
Sales Q2Q%-19.32%
3.2 Future
- The Earnings Per Share is expected to grow by 33.66% on average over the next years. This is a very strong growth
- 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
- With a Price/Earnings ratio of 19.07, NBBK is valued on the expensive side.
- NBBK's Price/Earnings ratio is rather expensive when compared to the industry. NBBK is more expensive than 80.16% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.21, NBBK is valued a bit cheaper.
- Based on the Price/Forward Earnings ratio of 9.48, the valuation of NBBK can be described as reasonable.
- 69.97% of the companies in the same industry are more expensive than NBBK, based on the Price/Forward Earnings ratio.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.98, NBBK is valued rather cheaply.
| 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 cheaply inside the industry as 99.74% of the companies are valued more expensively.
- NBBK's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.71 | ||
| EV/EBITDA | 3.57 |
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
- With a Yearly Dividend Yield of 1.36%, NBBK has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.61, NBBK is paying slightly less dividend.
- NBBK's Dividend Yield is slightly below the S&P500 average, which is at 1.81.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.36% |
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%
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.