NB BANCORP INC (NBBK) Stock Fundamental Analysis
USA - NASDAQ:NBBK - US63945M1071 - Common Stock
18.45 USD
-0.06 (-0.32%)
18.45 USD
0 (0%)
Overall NBBK gets a fundamental rating of 4 out of 10. We evaluated NBBK against 388 industry peers in the Banks industry. While NBBK is still in line with the averages on profitability rating, there are concerns on its financial health. NBBK is not valued too expensively and it also shows a decent growth rate.
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
NBBK's Return On Assets of 0.98% is fine compared to the rest of the industry. NBBK outperforms 61.08% of its industry peers.
NBBK has a worse Return On Equity (6.95%) than 65.72% of its industry peers.
The Return On Invested Capital of NBBK (3.17%) 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 2.46%.
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
The Profit Margin of NBBK (16.55%) is worse than 72.16% of its industry peers.
In the last couple of years the Profit Margin of NBBK has declined.
NBBK's Operating Margin of 68.02% is amongst the best of the industry. NBBK outperforms 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
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 about the same amount of shares outstanding.
Compared to 1 year ago, NBBK has a worse debt to assets ratio.
2.2 Solvency
NBBK has an Altman-Z score of -0.55. This is a bad value and indicates that NBBK is not financially healthy and even has some risk of bankruptcy.
NBBK's Altman-Z score of -0.55 is amongst the best of the industry. NBBK outperforms 99.48% of its industry peers.
NBBK has a debt to FCF ratio of 67.43. This is a negative value and a sign of low solvency as NBBK would need 67.43 years to pay back of all of its debts.
The Debt to FCF ratio of NBBK (67.43) is worse than 84.02% of its industry peers.
NBBK has a Debt/Equity ratio of 5.96. This is a high value indicating a heavy dependency on external financing.
NBBK's Debt to Equity ratio of 5.96 is on the low side compared to the rest of the industry. NBBK is outperformed by 96.65% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.96 | ||
| Debt/FCF | 67.43 | ||
| Altman-Z | -0.55 |
ROIC/WACC0.7
WACC4.55%
2.3 Liquidity
A Current Ratio of 0.04 indicates that NBBK may have some problems paying its short term obligations.
NBBK's Current ratio of 0.04 is amongst the best of the industry. NBBK outperforms 99.48% of its industry peers.
A Quick Ratio of 0.04 indicates that NBBK may have some problems paying its short term obligations.
NBBK has a Quick ratio of 0.04. This is amongst the best in the industry. NBBK outperforms 99.48% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.04 | ||
| Quick Ratio | 0.04 |
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.
Measured over the past years, NBBK shows a very strong growth in Earnings Per Share. The EPS has been growing by 26.69% on average per year.
The Revenue has grown by 13.78% in the past year. This is quite good.
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
NBBK is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 29.91% yearly.
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 17.24, the valuation of NBBK can be described as rather expensive.
NBBK's Price/Earnings ratio is a bit more expensive when compared to the industry. NBBK is more expensive than 76.55% of the companies in the same industry.
NBBK is valuated rather cheaply when we compare the Price/Earnings ratio to 26.34, which is the current average of the S&P500 Index.
NBBK is valuated reasonably with a Price/Forward Earnings ratio of 9.14.
63.66% of the companies in the same industry are more expensive than NBBK, based on the Price/Forward Earnings ratio.
NBBK is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.43, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.24 | ||
| Fwd PE | 9.14 |
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.
The rest of the industry has a similar Price/Free Cash Flow ratio as NBBK.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.27 | ||
| EV/EBITDA | 3.32 |
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.
A more expensive valuation may be justified as NBBK's earnings are expected to grow with 29.91% in the coming years.
PEG (NY)0.3
PEG (5Y)N/A
EPS Next 2Y37.39%
EPS Next 3Y29.91%
5. Dividend
5.1 Amount
NBBK has a Yearly Dividend Yield of 1.54%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.38, NBBK is paying slightly less dividend.
NBBK's Dividend Yield is slightly below the S&P500 average, which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.54% |
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%
18.45
-0.06 (-0.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners47.62%
Inst Owner Change-0.8%
Ins Owners4.93%
Ins Owner Change1.02%
Market Cap734.86M
Revenue(TTM)316.94M
Net Income(TTM)51.23M
Analysts82.86
Price Target22.44 (21.63%)
Short Float %5.89%
Short Ratio11.94
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.54% |
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)4.76%
PT rev (3m)15.79%
EPS NQ rev (1m)7.14%
EPS NQ rev (3m)7.14%
EPS NY rev (1m)3.11%
EPS NY rev (3m)13.7%
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 | 17.24 | ||
| Fwd PE | 9.14 | ||
| P/S | 2.37 | ||
| P/FCF | 11.27 | ||
| P/OCF | 10.96 | ||
| P/B | 1 | ||
| P/tB | 1 | ||
| EV/EBITDA | 3.32 |
EPS(TTM)1.07
EY5.8%
EPS(NY)2.02
Fwd EY10.95%
FCF(TTM)1.64
FCFY8.87%
OCF(TTM)1.68
OCFY9.12%
SpS7.77
BVpS18.51
TBVpS18.51
PEG (NY)0.3
PEG (5Y)N/A
Graham Number21.11
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 | -0.55 |
F-Score6
WACC4.55%
ROIC/WACC0.7
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 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 5 / 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 17.24 and the Price/Book (PB) ratio is 1.