19.59 USD
-0.18 (-0.91%)
19.59 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to NBBK. NBBK was compared to 387 industry peers in the Banks industry. There are concerns on the financial health of NBBK while its profitability can be described as average. NBBK has a correct valuation and a medium growth rate.
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.
1.2 Ratios
With a decent Return On Assets value of 1.07%, NBBK is doing good in the industry, outperforming 68.73% 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 41.09% of its industry peers.
With an excellent Return On Invested Capital value of 3.11%, NBBK belongs to the best of the industry, outperforming 99.74% of the companies in the same industry.
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.
In the last couple of years the Profit Margin of NBBK has declined.
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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so NBBK is destroying value.
NBBK has about the same amout of shares outstanding than it did 1 year ago.
NBBK has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of -0.58, we must say that NBBK is in the distress zone and has some risk of bankruptcy.
NBBK has a Altman-Z score of -0.58. This is amongst the best in the industry. NBBK outperforms 99.22% of its industry peers.
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 84.50% 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.
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 | -0.58 |
ROIC/WACC0.67
WACC4.64%
2.3 Liquidity
A Current Ratio of 0.05 indicates that NBBK may have some problems paying its short term obligations.
The Current ratio of NBBK (0.05) is better than 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 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
The Earnings Per Share has grown by an impressive 316.06% over the past year.
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%.
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)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 29.91% on average per year.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y58.24%
EPS Next 2Y37.39%
EPS Next 3Y29.91%
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
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.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 18.31, the valuation of NBBK can be described as rather expensive.
Based on the Price/Earnings ratio, NBBK is valued a bit more expensive than 79.07% of the companies in the same industry.
When comparing the Price/Earnings ratio of NBBK to the average of the S&P500 Index (26.31), we can say NBBK is valued slightly cheaper.
A Price/Forward Earnings ratio of 9.70 indicates a reasonable valuation of NBBK.
The rest of the industry has a similar Price/Forward Earnings ratio as NBBK.
NBBK is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.59, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.31 | ||
| Fwd PE | 9.7 |
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 cheaper than the industry average as 66.67% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.79 | ||
| EV/EBITDA | 2.9 |
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 29.91% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.31
PEG (5Y)N/A
EPS Next 2Y37.39%
EPS Next 3Y29.91%
5. Dividend
5.1 Amount
NBBK has a Yearly Dividend Yield of 1.49%. Purely for dividend investing, there may be better candidates out there.
NBBK's Dividend Yield is slightly below the industry average, which is at 3.33.
Compared to the average S&P500 Dividend Yield of 2.40, NBBK is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.49% |
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 2Y37.39%
EPS Next 3Y29.91%
19.59
-0.18 (-0.91%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners47.62%
Inst Owner Change2.62%
Ins Owners4.93%
Ins Owner Change0.85%
Market Cap780.27M
Revenue(TTM)316.94M
Net Income(TTM)58.21M
Analysts82.86
Price Target21.93 (11.94%)
Short Float %6.11%
Short Ratio8.64
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.49% |
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)2.38%
PT rev (3m)7.5%
EPS NQ rev (1m)-1.14%
EPS NQ rev (3m)-1.14%
EPS NY rev (1m)3.11%
EPS NY rev (3m)3.11%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.31 | ||
| Fwd PE | 9.7 | ||
| P/S | 2.46 | ||
| P/FCF | 9.79 | ||
| P/OCF | 9.56 | ||
| P/B | 1.06 | ||
| P/tB | 1.06 | ||
| EV/EBITDA | 2.9 |
EPS(TTM)1.07
EY5.46%
EPS(NY)2.02
Fwd EY10.31%
FCF(TTM)2
FCFY10.22%
OCF(TTM)2.05
OCFY10.46%
SpS7.96
BVpS18.5
TBVpS18.5
PEG (NY)0.31
PEG (5Y)N/A
Graham Number21.11
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 | -0.58 |
F-Score8
WACC4.64%
ROIC/WACC0.67
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 Y58.24%
EPS Next 2Y37.39%
EPS Next 3Y29.91%
EPS Next 5YN/A
Revenue 1Y (TTM)13.78%
Revenue growth 3Y46.42%
Revenue growth 5YN/A
Sales Q2Q%9.91%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
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 18.31 and the Price/Book (PB) ratio is 1.06.