NB BANCORP INC (NBBK) Stock Fundamental Analysis
USA - NASDAQ:NBBK - US63945M1071 - Common Stock
18.06 USD
+0.02 (+0.11%)
18.06 USD
0 (0%)
Taking everything into account, NBBK scores 4 out of 10 in our fundamental rating. NBBK was compared to 390 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 not priced too expensively while it is growing strongly. Keep and eye on this one!
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
NBBK's Return On Assets of 0.98% is fine compared to the rest of the industry. NBBK outperforms 62.56% of its industry peers.
The Return On Equity of NBBK (6.95%) is worse than 64.10% of its industry peers.
NBBK's Return On Invested Capital of 3.17% is amongst the best of the industry. NBBK outperforms 99.74% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for NBBK is in line with the industry average of 2.46%.
The last Return On Invested Capital (3.17%) for NBBK is above the 3 year average (1.99%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.98% | ||
| ROE | 6.95% | ||
| ROIC | 3.17% |
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 (16.55%) than 71.79% of its industry peers.
In the last couple of years the Profit Margin of NBBK has declined.
NBBK has a better Operating Margin (68.02%) than 100.00% of its industry peers.
NBBK's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 68.02% | ||
| PM (TTM) | 16.55% | ||
| 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
NBBK has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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
NBBK has an Altman-Z score of -0.56. This is a bad value and indicates that NBBK is not financially healthy and even has some risk of bankruptcy.
NBBK has a better Altman-Z score (-0.56) than 99.49% of its industry peers.
The Debt to FCF ratio of NBBK is 67.43, which is on the high side as it means it would take NBBK, 67.43 years of fcf income to pay off all of its debts.
NBBK's Debt to FCF ratio of 67.43 is on the low side compared to the rest of the industry. NBBK is outperformed by 84.62% of its industry peers.
A Debt/Equity ratio of 5.96 is on the high side and indicates that NBBK has dependencies on debt financing.
NBBK has a worse Debt to Equity ratio (5.96) than 96.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.96 | ||
| Debt/FCF | 67.43 | ||
| Altman-Z | -0.56 |
ROIC/WACC0.71
WACC4.5%
2.3 Liquidity
A Current Ratio of 0.04 indicates that NBBK may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.04, NBBK belongs to the top of the industry, outperforming 99.49% of the companies in the same industry.
NBBK has a Quick Ratio of 0.04. This is a bad value and indicates that NBBK is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 0.04, NBBK belongs to the top of the industry, outperforming 99.49% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.04 | ||
| Quick Ratio | 0.04 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 263.98% over the past year.
NBBK shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 26.69% yearly.
The Revenue has grown by 17.15% in the past year. This is quite good.
NBBK shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 46.42% yearly.
EPS 1Y (TTM)263.98%
EPS 3Y26.69%
EPS 5YN/A
EPS Q2Q%66.67%
Revenue 1Y (TTM)17.15%
Revenue growth 3Y46.42%
Revenue growth 5YN/A
Sales Q2Q%12.59%
3.2 Future
The Earnings Per Share is expected to grow by 34.58% on average over the next years. This is a very strong growth
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y53.48%
EPS Next 2Y34.58%
EPS Next 3YN/A
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 accelerating.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 13.28, NBBK is valued correctly.
NBBK's Price/Earnings ratio is in line with the industry average.
NBBK is valuated cheaply when we compare the Price/Earnings ratio to 27.00, which is the current average of the S&P500 Index.
NBBK is valuated reasonably with a Price/Forward Earnings ratio of 9.32.
Based on the Price/Forward Earnings ratio, NBBK is valued a bit cheaper than the industry average as 60.77% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of NBBK to the average of the S&P500 Index (22.87), we can say NBBK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.28 | ||
| Fwd PE | 9.32 |
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.
The rest of the industry has a similar Price/Free Cash Flow ratio as NBBK.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.04 | ||
| EV/EBITDA | 3.23 |
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 34.58% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.25
PEG (5Y)N/A
EPS Next 2Y34.58%
EPS Next 3YN/A
5. Dividend
5.1 Amount
NBBK has a Yearly Dividend Yield of 1.53%.
NBBK's Dividend Yield is slightly below the industry average, which is at 3.50.
Compared to the average S&P500 Dividend Yield of 2.31, NBBK is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.53% |
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 2Y34.58%
EPS Next 3YN/A
18.06
+0.02 (+0.11%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners47.62%
Inst Owner Change-0.21%
Ins Owners4.93%
Ins Owner Change1.08%
Market Cap719.33M
Revenue(TTM)309.55M
Net Income(TTM)51.23M
Analysts82.86
Price Target21.42 (18.6%)
Short Float %5.89%
Short Ratio11.94
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.53% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)8.01%
Min EPS beat(2)3.98%
Max EPS beat(2)12.04%
EPS beat(4)3
Avg EPS beat(4)4.44%
Min EPS beat(4)-20.81%
Max EPS beat(4)22.55%
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)10.53%
EPS NQ rev (1m)0%
EPS NQ rev (3m)10.53%
EPS NY rev (1m)0%
EPS NY rev (3m)10.27%
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 | 13.28 | ||
| Fwd PE | 9.32 | ||
| P/S | 2.32 | ||
| P/FCF | 11.04 | ||
| P/OCF | 10.73 | ||
| P/B | 0.98 | ||
| P/tB | 0.98 | ||
| EV/EBITDA | 3.23 |
EPS(TTM)1.36
EY7.53%
EPS(NY)1.94
Fwd EY10.73%
FCF(TTM)1.64
FCFY9.06%
OCF(TTM)1.68
OCFY9.32%
SpS7.77
BVpS18.51
TBVpS18.51
PEG (NY)0.25
PEG (5Y)N/A
Graham Number23.8
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.98% | ||
| ROE | 6.95% | ||
| ROCE | 24.23% | ||
| ROIC | 3.17% | ||
| ROICexc | 3.27% | ||
| ROICexgc | 3.35% | ||
| OM | 68.02% | ||
| PM (TTM) | 16.55% | ||
| GM | N/A | ||
| FCFM | 21.06% |
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-Score6
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.96 | ||
| Debt/FCF | 67.43 | ||
| Debt/EBITDA | 20.6 | ||
| Cap/Depr | 64.69% | ||
| Cap/Sales | 0.59% | ||
| Interest Coverage | 1.52 | ||
| Cash Conversion | 31.41% | ||
| Profit Quality | 127.24% | ||
| Current Ratio | 0.04 | ||
| Quick Ratio | 0.04 | ||
| Altman-Z | -0.56 |
F-Score6
WACC4.5%
ROIC/WACC0.71
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)263.98%
EPS 3Y26.69%
EPS 5YN/A
EPS Q2Q%66.67%
EPS Next Y53.48%
EPS Next 2Y34.58%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)17.15%
Revenue growth 3Y46.42%
Revenue growth 5YN/A
Sales Q2Q%12.59%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y54.2%
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 13.28 and the Price/Book (PB) ratio is 0.98.