NB BANCORP INC (NBBK) Fundamental Analysis & Valuation

NASDAQ:NBBK • US63945M1071

Current stock price

19.323 USD
+0.16 (+0.85%)
Last:

This NBBK fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. NBBK Profitability Analysis

1.1 Basic Checks

  • NBBK had positive earnings in the past year.
  • In the past year NBBK had a positive cash flow from operations.
  • Each year in the past 5 years NBBK has been profitable.
  • In the past 5 years NBBK always reported a positive cash flow from operatings.
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

  • NBBK has a worse Return On Assets (0.72%) than 73.40% of its industry peers.
  • NBBK has a Return On Equity of 5.86%. This is in the lower half of the industry: NBBK underperforms 78.46% of its industry peers.
  • NBBK's Return On Invested Capital of 2.37% is amongst the best of the industry. NBBK outperforms 99.20% of its industry peers.
  • NBBK had an Average Return On Invested Capital over the past 3 years of 2.27%. This is in line with the industry average of 2.71%.
  • The 3 year average ROIC (2.27%) for NBBK is below the current ROIC(2.37%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 0.72%
ROE 5.86%
ROIC 2.37%
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's Profit Margin of 14.92% is on the low side compared to the rest of the industry. NBBK is outperformed by 82.45% of its industry peers.
  • NBBK's Profit Margin has declined in the last couple of years.
  • Looking at the Operating Margin, with a value of 68.22%, NBBK belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
  • NBBK's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 68.22%
PM (TTM) 14.92%
GM N/A
OM growth 3Y16.55%
OM growth 5YN/A
PM growth 3Y-15.35%
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. NBBK Health Analysis

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 more shares outstanding
  • 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

  • NBBK has an Altman-Z score of -0.66. 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 -0.66, NBBK belongs to the top of the industry, outperforming 99.20% of the companies in the same industry.
  • NBBK has a debt to FCF ratio of 105.44. This is a negative value and a sign of low solvency as NBBK would need 105.44 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 105.44, NBBK is doing worse than 88.56% of the companies in the same industry.
  • A Debt/Equity ratio of 7.04 is on the high side and indicates that NBBK has dependencies on debt financing.
  • NBBK has a worse Debt to Equity ratio (7.04) than 97.34% of its industry peers.
Industry RankSector Rank
Debt/Equity 7.04
Debt/FCF 105.44
Altman-Z -0.66
ROIC/WACC0.6
WACC3.97%
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

  • A Current Ratio of 0.06 indicates that NBBK may have some problems paying its short term obligations.
  • NBBK's Current ratio of 0.06 is amongst the best of the industry. NBBK outperforms 99.20% of its industry peers.
  • NBBK has a Quick Ratio of 0.06. 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 (0.06) is better than 99.20% of its industry peers.
Industry RankSector Rank
Current Ratio 0.06
Quick Ratio 0.06
NBBK Yearly Current Assets VS Current LiabilitesNBBK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 2022 2023 2024 2025 2B 4B 6B

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

8

3. NBBK Growth Analysis

3.1 Past

  • NBBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 64.49%, which is quite impressive.
  • Measured over the past years, NBBK shows a very strong growth in Earnings Per Share. The EPS has been growing by 22.16% on average per year.
  • The Revenue has grown by 15.37% in the past year. This is quite good.
  • The Revenue has been growing by 40.24% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)64.49%
EPS 3Y22.16%
EPS 5YN/A
EPS Q2Q%27.5%
Revenue 1Y (TTM)15.37%
Revenue growth 3Y40.24%
Revenue growth 5YN/A
Sales Q2Q%-18.75%

3.2 Future

  • The Earnings Per Share is expected to grow by 22.99% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 17.08% on average over the next years. This is quite good.
EPS Next Y35.9%
EPS Next 2Y22.99%
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

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
  • 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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6

4. NBBK Valuation Analysis

4.1 Price/Earnings Ratio

  • NBBK is valuated reasonably with a Price/Earnings ratio of 10.98.
  • NBBK's Price/Earnings ratio is a bit cheaper when compared to the industry. NBBK is cheaper than 69.95% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.47. NBBK is valued rather cheaply when compared to this.
  • NBBK is valuated reasonably with a Price/Forward Earnings ratio of 8.08.
  • NBBK's Price/Forward Earnings ratio is rather cheap when compared to the industry. NBBK is cheaper than 88.83% of the companies in the same industry.
  • NBBK is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.62, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.98
Fwd PE 8.08
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of NBBK indicates a rather cheap valuation: NBBK is cheaper than 100.00% of the companies listed in the same industry.
  • Based on the Price/Free Cash Flow ratio, NBBK is valued a bit more expensive than 61.97% of the companies in the same industry.
Industry RankSector Rank
P/FCF 15.21
EV/EBITDA 2.43
NBBK Per share dataNBBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

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.
  • A more expensive valuation may be justified as NBBK's earnings are expected to grow with 22.99% in the coming years.
PEG (NY)0.31
PEG (5Y)N/A
EPS Next 2Y22.99%
EPS Next 3YN/A

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

2

5. NBBK Dividend Analysis

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 2.57.
  • Compared to the average S&P500 Dividend Yield of 1.81, 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

  • 11.08% of the earnings are spent on dividend by NBBK. This is a low number and sustainable payout ratio.
DP11.08%
EPS Next 2Y22.99%
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
NBBK Dividend Payout.NBBK Dividend Payout, showing the Payout Ratio.NBBK Dividend Payout.PayoutRetained Earnings

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NBBK Fundamentals: All Metrics, Ratios and Statistics

NB BANCORP INC

NASDAQ:NBBK (4/24/2026, 10:23:55 AM)

19.323

+0.16 (+0.85%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-29
Inst Owners50.35%
Inst Owner Change0.52%
Ins Owners4.91%
Ins Owner Change10.98%
Market Cap872.82M
Revenue(TTM)337.25M
Net Income(TTM)50.30M
Analysts80
Price Target24.99 (29.33%)
Short Float %4.51%
Short Ratio5.69
Dividend
Industry RankSector Rank
Dividend Yield 1.26%
Yearly Dividend0.13
Dividend Growth(5Y)N/A
DP11.08%
Div Incr Years0
Div Non Decr Years0
Ex-Date02-05
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)13.91%
Min EPS beat(2)11.11%
Max EPS beat(2)16.71%
EPS beat(4)4
Avg EPS beat(4)10.96%
Min EPS beat(4)3.98%
Max EPS beat(4)16.71%
EPS beat(8)6
Avg EPS beat(8)8.81%
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)2.08%
PT rev (3m)8.89%
EPS NQ rev (1m)1.89%
EPS NQ rev (3m)17.39%
EPS NY rev (1m)2.4%
EPS NY rev (3m)11.14%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)6.88%
Revenue NY rev (1m)0%
Revenue NY rev (3m)6.46%
Valuation
Industry RankSector Rank
PE 10.98
Fwd PE 8.08
P/S 2.59
P/FCF 15.21
P/OCF 14.36
P/B 1.02
P/tB 1.06
EV/EBITDA 2.43
EPS(TTM)1.76
EY9.11%
EPS(NY)2.39
Fwd EY12.38%
FCF(TTM)1.27
FCFY6.57%
OCF(TTM)1.35
OCFY6.97%
SpS7.47
BVpS19.02
TBVpS18.18
PEG (NY)0.31
PEG (5Y)N/A
Graham Number27.4411 (42.01%)
Profitability
Industry RankSector Rank
ROA 0.72%
ROE 5.86%
ROCE 25.81%
ROIC 2.37%
ROICexc 2.49%
ROICexgc 2.56%
OM 68.22%
PM (TTM) 14.92%
GM N/A
FCFM 17.01%
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)21.41%
ROCE(5y)16.98%
ROICexgc growth 3Y30.95%
ROICexgc growth 5YN/A
ROICexc growth 3Y31.06%
ROICexc growth 5YN/A
OM growth 3Y16.55%
OM growth 5YN/A
PM growth 3Y-15.35%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 7.04
Debt/FCF 105.44
Debt/EBITDA 25.89
Cap/Depr 94.97%
Cap/Sales 1.01%
Interest Coverage 1.61
Cash Conversion 26.02%
Profit Quality 114.06%
Current Ratio 0.06
Quick Ratio 0.06
Altman-Z -0.66
F-Score7
WACC3.97%
ROIC/WACC0.6
Cap/Depr(3y)87.23%
Cap/Depr(5y)141.46%
Cap/Sales(3y)0.98%
Cap/Sales(5y)2.37%
Profit Quality(3y)240.39%
Profit Quality(5y)203.97%
High Growth Momentum
Growth
EPS 1Y (TTM)64.49%
EPS 3Y22.16%
EPS 5YN/A
EPS Q2Q%27.5%
EPS Next Y35.9%
EPS Next 2Y22.99%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)15.37%
Revenue growth 3Y40.24%
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 1Y19.34%
EBIT growth 3Y63.44%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y39.09%
FCF growth 3Y22.49%
FCF growth 5YN/A
OCF growth 1Y40.76%
OCF growth 3Y15.25%
OCF growth 5YN/A

NB BANCORP INC / NBBK Fundamental Analysis 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 6 / 10 to NB BANCORP INC (NBBK). This can be considered as Fairly Valued.


What is the profitability of NBBK stock?

NB BANCORP INC (NBBK) has a profitability rating of 5 / 10.


What is the valuation of NB BANCORP INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for NB BANCORP INC (NBBK) is 10.98 and the Price/Book (PB) ratio is 1.02.


Can you provide the financial health for NBBK stock?

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