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NB BANCORP INC (NBBK) Stock Fundamental Analysis

NASDAQ:NBBK - Nasdaq - US63945M1071 - Common Stock - Currency: USD

16.89  -0.34 (-1.97%)

After market: 16.89 0 (0%)

Fundamental Rating

4

Taking everything into account, NBBK scores 4 out of 10 in our fundamental rating. NBBK was compared to 392 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 valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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4

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 Yearly Net Income VS EBIT VS OCF VS FCFNBBK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2021 2022 2023 2024 50M 100M 150M

1.2 Ratios

NBBK has a Return On Assets of 0.88%. This is comparable to the rest of the industry: NBBK outperforms 53.94% of its industry peers.
The Return On Equity of NBBK (6.23%) is worse than 67.43% of its industry peers.
With an excellent Return On Invested Capital value of 3.04%, NBBK belongs to the best of the industry, outperforming 99.75% 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 2.64%.
The last Return On Invested Capital (3.04%) for NBBK is above the 3 year average (1.99%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 0.88%
ROE 6.23%
ROIC 3.04%
ROA(3y)0.62%
ROA(5y)N/A
ROE(3y)5.18%
ROE(5y)N/A
ROIC(3y)1.99%
ROIC(5y)N/A
NBBK Yearly ROA, ROE, ROICNBBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2021 2022 2023 2024 2 4 6 8

1.3 Margins

NBBK has a worse Profit Margin (15.34%) than 74.05% of its industry peers.
In the last couple of years the Profit Margin of NBBK has declined.
With an excellent Operating Margin value of 67.35%, NBBK belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
In the last couple of years the Operating Margin of NBBK has grown nicely.
Industry RankSector Rank
OM 67.35%
PM (TTM) 15.34%
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
NBBK Yearly Profit, Operating, Gross MarginsNBBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2021 2022 2023 2024 20 40 60

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2

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.
NBBK has a worse debt/assets ratio than last year.
NBBK Yearly Shares OutstandingNBBK Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 2024 10M 20M 30M 40M
NBBK Yearly Total Debt VS Total AssetsNBBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2021 2022 2023 2024 1B 2B 3B 4B 5B

2.2 Solvency

Based on the Altman-Z score of -0.57, we must say that NBBK is in the distress zone and has some risk of bankruptcy.
NBBK has a better Altman-Z score (-0.57) than 99.49% of its industry peers.
The Debt to FCF ratio of NBBK is 70.19, which is on the high side as it means it would take NBBK, 70.19 years of fcf income to pay off all of its debts.
NBBK's Debt to FCF ratio of 70.19 is on the low side compared to the rest of the industry. NBBK is outperformed by 86.77% of its industry peers.
A Debt/Equity ratio of 5.97 is on the high side and indicates that NBBK has dependencies on debt financing.
With a Debt to Equity ratio value of 5.97, NBBK is not doing good in the industry: 97.46% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 5.97
Debt/FCF 70.19
Altman-Z -0.57
ROIC/WACC0.68
WACC4.46%
NBBK Yearly LT Debt VS Equity VS FCFNBBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2021 2022 2023 2024 200M 400M 600M

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 99.49% 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.
With an excellent Quick ratio value of 0.05, NBBK belongs to the best of the industry, outperforming 99.49% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.05
Quick Ratio 0.05
NBBK Yearly Current Assets VS Current LiabilitesNBBK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 2022 2023 2024 1B 2B 3B 4B

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6

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 263.98% 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 17.15% in the past year. This is quite good.
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)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 30.99% 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 Y39.18%
EPS Next 2Y30.99%
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 stable.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
NBBK Yearly Revenue VS EstimatesNBBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2021 2022 2023 2024 50M 100M 150M 200M 250M
NBBK Yearly EPS VS EstimatesNBBK Yearly EPS VS EstimatesYearly EPS VS Estimates 2024 2025 2026 0.5 1 1.5

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6

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 12.42 indicates a correct valuation of NBBK.
NBBK's Price/Earnings ratio is in line with the industry average.
NBBK's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.82.
A Price/Forward Earnings ratio of 9.20 indicates a reasonable valuation of NBBK.
Compared to the rest of the industry, the Price/Forward Earnings ratio of NBBK indicates a somewhat cheap valuation: NBBK is cheaper than 60.31% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of NBBK to the average of the S&P500 Index (36.21), we can say NBBK is valued rather cheaply.
Industry RankSector Rank
PE 12.42
Fwd PE 9.2
NBBK Price Earnings VS Forward Price EarningsNBBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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.
NBBK's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 10.94
EV/EBITDA 2.82
NBBK Per share dataNBBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

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 30.99% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.32
PEG (5Y)N/A
EPS Next 2Y30.99%
EPS Next 3YN/A

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1

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.63%, NBBK has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.50, NBBK is paying slightly less dividend.
NBBK's Dividend Yield is slightly below the S&P500 average, which is at 2.39.
Industry RankSector Rank
Dividend Yield 1.63%

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
NBBK Yearly Dividends per shareNBBK Yearly Dividends per shareYearly Dividends per share 2025 0.02 0.04 0.06

5.3 Sustainability

DPN/A
EPS Next 2Y30.99%
EPS Next 3YN/A
NBBK Yearly Income VS Free CF VS DividendNBBK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2021 2022 2023 2024 10M 20M 30M 40M 50M

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NB BANCORP INC

NASDAQ:NBBK (8/1/2025, 8:00:02 PM)

After market: 16.89 0 (0%)

16.89

-0.34 (-1.97%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-23 2025-07-23/amc
Earnings (Next)10-30 2025-10-30
Inst Owners45.93%
Inst Owner Change-0.4%
Ins Owners4.81%
Ins Owner Change82.35%
Market Cap688.27M
Analysts82.86
Price Target19.38 (14.74%)
Short Float %5.5%
Short Ratio6.05
Dividend
Industry RankSector Rank
Dividend Yield 1.63%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date08-06 2025-08-06 (0.07)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)13.27%
Min EPS beat(2)3.98%
Max EPS beat(2)22.55%
EPS beat(4)2
Avg EPS beat(4)0.94%
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)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.06%
EPS NY rev (1m)0%
EPS NY rev (3m)5.04%
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 RankSector Rank
PE 12.42
Fwd PE 9.2
P/S 2.29
P/FCF 10.94
P/OCF 10.64
P/B 0.93
P/tB 0.93
EV/EBITDA 2.82
EPS(TTM)1.36
EY8.05%
EPS(NY)1.84
Fwd EY10.87%
FCF(TTM)1.54
FCFY9.14%
OCF(TTM)1.59
OCFY9.4%
SpS7.38
BVpS18.15
TBVpS18.15
PEG (NY)0.32
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.88%
ROE 6.23%
ROCE 24.25%
ROIC 3.04%
ROICexc 3.16%
ROICexgc 3.27%
OM 67.35%
PM (TTM) 15.34%
GM N/A
FCFM 20.94%
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
ROICexcg growth 3Y33.38%
ROICexcg 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-Score7
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 5.97
Debt/FCF 70.19
Debt/EBITDA 21.52
Cap/Depr 63.14%
Cap/Sales 0.59%
Interest Coverage 1.5
Cash Conversion 31.53%
Profit Quality 136.52%
Current Ratio 0.05
Quick Ratio 0.05
Altman-Z -0.57
F-Score7
WACC4.46%
ROIC/WACC0.68
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 Y39.18%
EPS Next 2Y30.99%
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 1Y66.49%
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