21.72 USD
+0.27 (+1.26%)
At close: Jan 30, 2026
21.72 USD
0 (0%)
After Hours: 1/30/2026, 8:08:18 PM
NBBK gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. There are concerns on the financial health of NBBK while its profitability can be described as average. NBBK is not overvalued while it is showing excellent growth. This is an interesting combination.
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.
- NBBK had positive earnings in each of the past 5 years.
- NBBK had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- NBBK's Return On Assets of 1.07% is fine compared to the rest of the industry. NBBK outperforms 68.15% of its industry peers.
- NBBK's Return On Equity of 7.90% is in line compared to the rest of the industry. NBBK outperforms 40.47% of its industry peers.
- With an excellent Return On Invested Capital value of 2.87%, NBBK belongs to the best of the industry, outperforming 99.74% of the companies in the same industry.
- Measured over the past 3 years, the Average Return On Invested Capital for NBBK is in line with the industry average of 2.57%.
- 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 Rank | Sector 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%
1.3 Margins
- NBBK has a Profit Margin of 18.37%. This is in the lower half of the industry: NBBK underperforms 70.50% 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 Rank | Sector 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
2. Health
2.1 Basic Checks
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so NBBK is destroying value.
- NBBK has more shares outstanding than it did 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.
- Looking at the Altman-Z score, with a value of -0.55, NBBK belongs to the top of the industry, outperforming 99.48% of the companies in the same industry.
- 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.
- 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.
- NBBK has a Debt/Equity ratio of 6.25. This is a high value indicating a heavy dependency on external 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/WACC0.56
WACC5.16%
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.
- NBBK has a Quick 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.
- 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
- NBBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 24.58%, which is quite impressive.
- The Earnings Per Share has been growing by 26.69% 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%.
- NBBK shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 46.42% yearly.
EPS 1Y (TTM)24.58%
EPS 3Y26.69%
EPS 5YN/A
EPS Q2Q%-52.89%
Revenue 1Y (TTM)15.2%
Revenue growth 3Y46.42%
Revenue growth 5YN/A
Sales Q2Q%-19.32%
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.
- The Revenue is expected to grow by 1.21% on average over the next years.
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
- Based on the Price/Earnings ratio of 20.30, the valuation of NBBK can be described as rather expensive.
- Based on the Price/Earnings ratio, NBBK is valued expensively inside the industry as 81.46% of the companies are valued cheaper.
- The average S&P500 Price/Earnings ratio is at 28.32. NBBK is valued slightly cheaper when compared to this.
- A Price/Forward Earnings ratio of 10.09 indicates a reasonable valuation of NBBK.
- 63.45% of the companies in the same industry are more expensive than NBBK, based on the Price/Forward Earnings ratio.
- The average S&P500 Price/Forward Earnings ratio is at 25.57. NBBK is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.3 | ||
| Fwd PE | 10.09 |
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.
- The rest of the industry has a similar Price/Free Cash Flow ratio as NBBK.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.47 | ||
| EV/EBITDA | 3.85 |
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 has a very decent profitability rating, which may justify a higher PE ratio.
- A more expensive valuation may be justified as NBBK's earnings are expected to grow with 33.66% in the coming years.
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 1.31%.
- NBBK's Dividend Yield is slightly below the industry average, which is at 2.67.
- NBBK's Dividend Yield is slightly below the S&P500 average, which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.31% |
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.