NB BANCORP INC (NBBK) Fundamental Analysis & Valuation

NASDAQ:NBBK • US63945M1071

Current stock price

19.82 USD
+0.66 (+3.44%)
At close:
19.82 USD
0 (0%)
After Hours:

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.
  • NBBK had a positive operating cash flow in the past year.
  • 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 Return On Assets of 0.72%. This is in the lower half of the industry: NBBK underperforms 73.40% of its industry peers.
  • The Return On Equity of NBBK (5.86%) is worse than 78.46% of its industry peers.
  • NBBK has a better Return On Invested Capital (2.37%) than 99.20% 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 2.71%.
  • The last Return On Invested Capital (2.37%) for NBBK is above the 3 year average (2.27%), which is a sign of increasing profitability.
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

  • The Profit Margin of NBBK (14.92%) is worse than 82.45% of its industry peers.
  • NBBK's Profit Margin has declined in the last couple of years.
  • NBBK's Operating Margin of 68.22% is amongst the best of 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 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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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.
  • NBBK has more shares outstanding than it did 1 year ago.
  • NBBK has a worse debt/assets ratio than last year.
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.
  • NBBK has a worse Debt to FCF ratio (105.44) than 88.56% of its industry peers.
  • A Debt/Equity ratio of 7.04 is on the high side and indicates that NBBK has dependencies on debt financing.
  • NBBK's Debt to Equity ratio of 7.04 is on the low side compared to the rest of the industry. NBBK is outperformed by 97.34% of its industry peers.
Industry RankSector Rank
Debt/Equity 7.04
Debt/FCF 105.44
Altman-Z -0.66
ROIC/WACC0.59
WACC4.04%
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 has a Current ratio of 0.06. This is amongst the best in the industry. NBBK outperforms 99.20% of its industry peers.
  • A Quick Ratio of 0.06 indicates that NBBK may have some problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 0.06, NBBK belongs to the top of the industry, outperforming 99.20% of the companies in the same industry.
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

  • The Earnings Per Share has grown by an impressive 64.49% over the past year.
  • NBBK shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 22.16% yearly.
  • NBBK shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 15.37%.
  • 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

  • NBBK is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 22.99% yearly.
  • NBBK is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.08% yearly.
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

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of 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. NBBK Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 11.26, the valuation of NBBK can be described as reasonable.
  • Based on the Price/Earnings ratio, NBBK is valued a bit cheaper than 69.95% of the companies in the same industry.
  • NBBK's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.42.
  • Based on the Price/Forward Earnings ratio of 8.29, the valuation of NBBK can be described as reasonable.
  • 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.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.24, NBBK is valued rather cheaply.
Industry RankSector Rank
PE 11.26
Fwd PE 8.29
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

  • 100.00% of the companies in the same industry are more expensive than NBBK, based on the Enterprise Value to EBITDA ratio.
  • NBBK's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. NBBK is more expensive than 61.97% of the companies in the same industry.
Industry RankSector Rank
P/FCF 15.6
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

  • 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 22.99% in the coming years. This may justify a more expensive valuation.
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

  • NBBK has a Yearly Dividend Yield of 1.26%.
  • Compared to an average industry Dividend Yield of 2.56, NBBK is paying slightly less dividend.
  • 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 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
NBBK Yearly Dividends per shareNBBK Yearly Dividends per shareYearly Dividends per share 2025 2026 0.05 0.1

5.3 Sustainability

  • NBBK pays out 11.08% of its income as dividend. This is a 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, 8:00:01 PM)

After market: 19.82 0 (0%)

19.82

+0.66 (+3.44%)

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 Cap895.27M
Revenue(TTM)337.25M
Net Income(TTM)50.30M
Analysts80
Price Target24.99 (26.08%)
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 11.26
Fwd PE 8.29
P/S 2.65
P/FCF 15.6
P/OCF 14.73
P/B 1.04
P/tB 1.09
EV/EBITDA 2.43
EPS(TTM)1.76
EY8.88%
EPS(NY)2.39
Fwd EY12.07%
FCF(TTM)1.27
FCFY6.41%
OCF(TTM)1.35
OCFY6.79%
SpS7.47
BVpS19.02
TBVpS18.18
PEG (NY)0.31
PEG (5Y)N/A
Graham Number27.4411 (38.45%)
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
WACC4.04%
ROIC/WACC0.59
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 11.26 and the Price/Book (PB) ratio is 1.04.


Can you provide the financial health for NBBK stock?

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