21.72 USD
+0.27 (+1.26%)
At close: Jan 30, 2026
21.72 USD
0 (0%)
After Hours: 1/30/2026, 8:08:18 PM
We assign a fundamental rating of 5 out of 10 to NBBK. NBBK was compared to 383 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
- NBBK had positive earnings in the past year.
- NBBK had a positive operating cash flow in the past year.
- NBBK had positive earnings in each of the past 5 years.
- NBBK had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- With a decent Return On Assets value of 1.07%, NBBK is doing good in the industry, outperforming 68.15% of the companies in the same industry.
- NBBK has a Return On Equity (7.90%) which is in line with its industry peers.
- NBBK has a Return On Invested Capital of 3.11%. This is amongst the best in the industry. NBBK outperforms 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 Profit Margin of 18.37%. This is in the lower half of the industry: NBBK underperforms 70.50% of its industry peers.
- NBBK's Profit Margin has declined in the last couple of years.
- NBBK's Operating Margin of 67.86% 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 | 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.
- Compared to 1 year ago, NBBK has more shares outstanding
- NBBK has a worse debt/assets ratio than last year.
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.
- With an excellent Altman-Z score value of -0.55, NBBK belongs to the best 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.
- NBBK's Debt to FCF ratio of 57.78 is on the low side compared to the rest of the industry. NBBK is outperformed by 84.86% 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 has a worse Debt to Equity ratio (6.25) than 96.34% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.25 | ||
| Debt/FCF | 57.78 | ||
| Altman-Z | -0.55 |
ROIC/WACC0.6
WACC5.16%
2.3 Liquidity
- NBBK has a Current 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.
- Looking at the Current ratio, with a value of 0.05, NBBK belongs to the top 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's Quick ratio of 0.05 is amongst the best of 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 357.70% 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
- The Revenue has grown by 30.31% in the past year. This is a very strong growth!
- NBBK shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 46.42% yearly.
EPS 1Y (TTM)357.7%
EPS 3Y26.69%
EPS 5YN/A
EPS Q2Q%N/A
Revenue 1Y (TTM)30.31%
Revenue growth 3Y46.42%
Revenue growth 5YN/A
Sales Q2Q%-19.32%
3.2 Future
- NBBK is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 33.66% yearly.
- The Revenue is expected to grow by 1.21% on average over the next years.
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
- With a Price/Earnings ratio of 20.30, NBBK is valued on the expensive side.
- Based on the Price/Earnings ratio, NBBK is valued expensively inside the industry as 81.20% of the companies are valued cheaper.
- NBBK's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.30.
- Based on the Price/Forward Earnings ratio of 10.09, 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 63.45% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 25.57. NBBK is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.3 | ||
| Fwd PE | 10.09 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, NBBK is valued cheaply inside the industry as 99.74% of the companies are valued more expensively.
- NBBK's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.47 | ||
| EV/EBITDA | 3.79 |
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 has a very decent profitability rating, which may justify a higher PE ratio.
- NBBK's earnings are expected to grow with 33.66% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.35
PEG (5Y)N/A
EPS Next 2Y41.82%
EPS Next 3Y33.66%
5. Dividend
5.1 Amount
- NBBK has a Yearly Dividend Yield of 1.31%. Purely for dividend investing, there may be better candidates out there.
- NBBK's Dividend Yield is slightly below the industry average, which is at 2.73.
- NBBK's Dividend Yield is slightly below the S&P500 average, which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.31% |
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%
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.
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.
Can you provide the profitability details for NB BANCORP INC?
NB BANCORP INC (NBBK) has a profitability rating of 4 / 10.
Can you provide the financial health for NBBK stock?
The financial health rating of NB BANCORP INC (NBBK) is 2 / 10.