21.23 USD
+0.22 (+1.05%)
Overall NBBK gets a fundamental rating of 4 out of 10. We evaluated NBBK against 383 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.
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's Return On Assets of 1.07% is fine compared to the rest of the industry. NBBK outperforms 68.41% of its industry peers.
- NBBK has a Return On Equity of 7.90%. This is comparable to the rest of the industry: NBBK outperforms 40.47% of its industry peers.
- 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.
- 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.
- NBBK's Profit Margin has declined in the last couple of years.
- 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
- 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.
- Compared to 1 year ago, NBBK has a worse debt to assets ratio.
2.2 Solvency
- NBBK has an Altman-Z score of -0.55. This is a bad value and indicates that NBBK is not financially healthy and even has some risk of bankruptcy.
- NBBK's Altman-Z score of -0.55 is amongst the best of the industry. NBBK outperforms 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's Debt to FCF ratio of 57.78 is on the low side compared to the rest of the industry. NBBK is outperformed by 84.86% of its industry peers.
- A Debt/Equity ratio of 6.25 is on the high side and indicates that NBBK has dependencies on debt financing.
- The Debt to Equity ratio of NBBK (6.25) is worse than 96.34% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.25 | ||
| Debt/FCF | 57.78 | ||
| Altman-Z | -0.55 |
ROIC/WACC0.61
WACC5.08%
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's Current ratio of 0.05 is amongst the best of 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.
- NBBK's Quick ratio of 0.05 is amongst the best of 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
- NBBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 357.70%, which is quite impressive.
- 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 very strong growth in Revenue. The Revenue has grown by 30.31%.
- Measured over the past years, NBBK shows a very strong growth in Revenue. The Revenue has been growing by 46.42% on average per year.
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
- 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
- With a Price/Earnings ratio of 19.84, NBBK is valued on the expensive side.
- 80.94% of the companies in the same industry are cheaper than NBBK, based on the Price/Earnings ratio.
- NBBK's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.82.
- Based on the Price/Forward Earnings ratio of 9.86, the valuation of NBBK can be described as reasonable.
- NBBK's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. NBBK is cheaper than 64.75% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.95, NBBK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.84 | ||
| Fwd PE | 9.86 |
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 99.74% of the companies listed in the same industry.
- NBBK's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.19 | ||
| EV/EBITDA | 3.7 |
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.
- NBBK's earnings are expected to grow with 33.66% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.35
PEG (5Y)N/A
EPS Next 2Y41.82%
EPS Next 3Y33.66%
5. Dividend
5.1 Amount
- NBBK has a Yearly Dividend Yield of 1.37%.
- NBBK's Dividend Yield is slightly below the industry average, which is at 2.60.
- Compared to the average S&P500 Dividend Yield of 1.82, NBBK is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.37% |
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%
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.