NB BANCORP INC (NBBK) Stock Fundamental Analysis
USA - NASDAQ:NBBK - US63945M1071 - Common Stock
19.29 USD
+0.27 (+1.42%)
19.29 USD
0 (0%)
NBBK gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. NBBK has a medium profitability rating, but doesn't score so well on its financial health evaluation. 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
NBBK has a Return On Assets of 0.98%. This is in the better half of the industry: NBBK outperforms 61.08% of its industry peers.
NBBK has a Return On Equity of 6.95%. This is in the lower half of the industry: NBBK underperforms 67.01% of its industry peers.
NBBK has a Return On Invested Capital of 3.17%. 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 2.46%.
The 3 year average ROIC (1.99%) for NBBK is below the current ROIC(3.17%), indicating increased profibility in the last year.
| 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
Looking at the Profit Margin, with a value of 16.55%, NBBK is doing worse than 72.68% of the companies in the same industry.
In the last couple of years the Profit Margin of NBBK has declined.
Looking at the Operating Margin, with a value of 68.02%, NBBK belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 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.
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.
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.
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 84.79% 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 96.65% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.96 | ||
| Debt/FCF | 67.43 | ||
| Altman-Z | -0.55 |
ROIC/WACC0.69
WACC4.63%
2.3 Liquidity
NBBK has a Current 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.
The Current ratio of NBBK (0.04) is better than 99.48% of its industry peers.
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.
NBBK has a better Quick ratio (0.04) than 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.
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 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
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 18.03, the valuation of NBBK can be described as rather expensive.
78.87% of the companies in the same industry are cheaper than NBBK, based on the Price/Earnings ratio.
NBBK's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.89.
Based on the Price/Forward Earnings ratio of 9.55, the valuation of NBBK can be described as reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as NBBK.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.59, NBBK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.03 | ||
| Fwd PE | 9.55 |
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.
NBBK's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.79 | ||
| EV/EBITDA | 3.46 |
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'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 1.47%. Purely for dividend investing, there may be better candidates out there.
NBBK's Dividend Yield is slightly below the industry average, which is at 3.39.
NBBK's Dividend Yield is slightly below the S&P500 average, which is at 2.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.47% |
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%
19.29
+0.27 (+1.42%)
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 Cap768.32M
Revenue(TTM)316.94M
Net Income(TTM)51.23M
Analysts82.86
Price Target22.44 (16.33%)
Short Float %5.89%
Short Ratio11.94
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.47% |
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)10%
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 | 18.03 | ||
| Fwd PE | 9.55 | ||
| P/S | 2.48 | ||
| P/FCF | 11.79 | ||
| P/OCF | 11.46 | ||
| P/B | 1.04 | ||
| P/tB | 1.04 | ||
| EV/EBITDA | 3.46 |
EPS(TTM)1.07
EY5.55%
EPS(NY)2.02
Fwd EY10.47%
FCF(TTM)1.64
FCFY8.48%
OCF(TTM)1.68
OCFY8.72%
SpS7.77
BVpS18.51
TBVpS18.51
PEG (NY)0.31
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
WACC4.63%
ROIC/WACC0.69
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 18.03 and the Price/Book (PB) ratio is 1.04.