20.9 USD
-0.01 (-0.05%)
20.9 USD
0 (0%)
Taking everything into account, NBBK scores 4 out of 10 in our fundamental rating. NBBK was compared to 387 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
NBBK had positive earnings in the past year.
NBBK had a positive operating cash flow in the past year.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.07%, NBBK is in the better half of the industry, outperforming 68.48% of the companies in the same industry.
NBBK's Return On Equity of 7.90% is in line compared to the rest of the industry. NBBK outperforms 40.83% of its industry peers.
The Return On Invested Capital of NBBK (3.11%) is better than 99.74% 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 2.62%.
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 has a worse Profit Margin (18.37%) than 70.03% of its industry peers.
NBBK's Profit Margin has declined in the last couple of years.
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 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.
The number of shares outstanding for NBBK remains at a similar level compared to 1 year ago.
The debt/assets ratio for NBBK is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of -0.56, we must say that NBBK is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of -0.56, 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.
The Debt to FCF ratio of NBBK (57.78) is worse than 85.01% 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.
NBBK's Debt to Equity ratio of 6.25 is on the low side compared to the rest of the industry. NBBK is outperformed by 97.16% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.25 | ||
| Debt/FCF | 57.78 | ||
| Altman-Z | -0.56 |
ROIC/WACC0.62
WACC5.06%
2.3 Liquidity
A Current Ratio of 0.05 indicates that NBBK may have some problems paying 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.
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.
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
NBBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 316.06%, 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 13.78%.
The Revenue has been growing by 46.42% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)316.06%
EPS 3Y26.69%
EPS 5YN/A
EPS Q2Q%102.34%
Revenue 1Y (TTM)13.78%
Revenue growth 3Y46.42%
Revenue growth 5YN/A
Sales Q2Q%9.91%
3.2 Future
Based on estimates for the next years, NBBK will show a very strong growth in Earnings Per Share. The EPS will grow by 33.66% on average per year.
NBBK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.21% yearly.
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 19.53 indicates a rather expensive valuation of NBBK.
Based on the Price/Earnings ratio, NBBK is valued a bit more expensive than the industry average as 79.84% of the companies are valued more cheaply.
NBBK's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.76.
Based on the Price/Forward Earnings ratio of 9.71, 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 65.12% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of NBBK to the average of the S&P500 Index (23.96), we can say NBBK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.53 | ||
| Fwd PE | 9.71 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, NBBK is valued cheaper than 100.00% of the companies 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 | ||
| EV/EBITDA | 3.67 |
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)0.34
PEG (5Y)N/A
EPS Next 2Y41.82%
EPS Next 3Y33.66%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.39%, NBBK has a reasonable but not impressive dividend return.
NBBK's Dividend Yield is slightly below the industry average, which is at 3.11.
Compared to the average S&P500 Dividend Yield of 2.31, NBBK is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.39% |
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%
20.9
-0.01 (-0.05%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners42.46%
Inst Owner Change2.62%
Ins Owners4.29%
Ins Owner Change0.84%
Market Cap956.59M
Revenue(TTM)316.94M
Net Income(TTM)58.21M
Analysts80
Price Target22.44 (7.37%)
Short Float %5.16%
Short Ratio7.81
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.39% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
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)0%
PT rev (3m)4.76%
EPS NQ rev (1m)3.45%
EPS NQ rev (3m)2.27%
EPS NY rev (1m)-0.6%
EPS NY rev (3m)2.48%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.53 | ||
| Fwd PE | 9.71 | ||
| P/S | 3.02 | ||
| P/FCF | 12 | ||
| P/OCF | 11.72 | ||
| P/B | 1.3 | ||
| P/tB | 1.3 | ||
| EV/EBITDA | 3.67 |
EPS(TTM)1.07
EY5.12%
EPS(NY)2.15
Fwd EY10.3%
FCF(TTM)1.74
FCFY8.33%
OCF(TTM)1.78
OCFY8.54%
SpS6.92
BVpS16.1
TBVpS16.1
PEG (NY)0.34
PEG (5Y)N/A
Graham Number19.69
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.07% | ||
| ROE | 7.9% | ||
| ROCE | 27.47% | ||
| ROIC | 3.11% | ||
| ROICexc | 3.23% | ||
| ROICexgc | 3.31% | ||
| OM | 67.86% | ||
| PM (TTM) | 18.37% | ||
| GM | N/A | ||
| FCFM | 25.16% |
ROA(3y)0.62%
ROA(5y)N/A
ROE(3y)5.18%
ROE(5y)N/A
ROIC(3y)1.99%
ROIC(5y)N/A
ROICexc(3y)2.06%
ROICexc(5y)N/A
ROICexgc(3y)2.12%
ROICexgc(5y)N/A
ROCE(3y)15.54%
ROCE(5y)N/A
ROICexgc growth 3Y33.38%
ROICexgc growth 5YN/A
ROICexc growth 3Y32.95%
ROICexc growth 5YN/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
F-Score8
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.25 | ||
| Debt/FCF | 57.78 | ||
| Debt/EBITDA | 21.14 | ||
| Cap/Depr | 66.66% | ||
| Cap/Sales | 0.61% | ||
| Interest Coverage | 1.56 | ||
| Cash Conversion | 37.46% | ||
| Profit Quality | 136.97% | ||
| Current Ratio | 0.05 | ||
| Quick Ratio | 0.05 | ||
| Altman-Z | -0.56 |
F-Score8
WACC5.06%
ROIC/WACC0.62
Cap/Depr(3y)178.49%
Cap/Depr(5y)N/A
Cap/Sales(3y)2.96%
Cap/Sales(5y)N/A
Profit Quality(3y)236.98%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)316.06%
EPS 3Y26.69%
EPS 5YN/A
EPS Q2Q%102.34%
EPS Next Y57.29%
EPS Next 2Y41.82%
EPS Next 3Y33.66%
EPS Next 5YN/A
Revenue 1Y (TTM)13.78%
Revenue growth 3Y46.42%
Revenue growth 5YN/A
Sales Q2Q%9.91%
Revenue Next Year-21.12%
Revenue Next 2Y-1.26%
Revenue Next 3Y1.21%
Revenue Next 5YN/A
EBIT growth 1Y44.82%
EBIT growth 3Y67.31%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-17.56%
FCF growth 3Y-0.63%
FCF growth 5YN/A
OCF growth 1Y-18.36%
OCF growth 3Y-0.5%
OCF growth 5YN/A
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.
Can you provide the valuation status for NB BANCORP INC?
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.
What are the PE and PB ratios of NB BANCORP INC (NBBK) stock?
The Price/Earnings (PE) ratio for NB BANCORP INC (NBBK) is 19.53 and the Price/Book (PB) ratio is 1.3.