Logo image of NBBK

NB BANCORP INC (NBBK) Stock Fundamental Analysis

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

15.65  -1 (-6.01%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to NBBK. NBBK was compared to 396 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!


Dividend Valuation Growth Profitability Health

4

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.
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's Return On Assets of 0.88% is in line compared to the rest of the industry. NBBK outperforms 54.04% of its industry peers.
The Return On Equity of NBBK (6.23%) is worse than 67.68% of its industry peers.
The Return On Invested Capital of NBBK (3.04%) is better than 99.75% 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 2.64%.
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 74.75% of its industry peers.
NBBK's Profit Margin has declined in the last couple of years.
NBBK has a better Operating Margin (67.35%) than 100.00% of its industry peers.
NBBK's Operating Margin has improved in the last couple of years.
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

2

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so NBBK is destroying value.
NBBK has about the same amout of shares outstanding than it did 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's Altman-Z score of -0.57 is amongst the best of the industry. NBBK outperforms 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 has a worse Debt to FCF ratio (70.19) than 86.36% of its industry peers.
NBBK has a Debt/Equity ratio of 5.97. This is a high value indicating a heavy dependency on external financing.
NBBK's Debt to Equity ratio of 5.97 is on the low side compared to the rest of the industry. NBBK is outperformed by 97.47% of its industry peers.
Industry RankSector Rank
Debt/Equity 5.97
Debt/FCF 70.19
Altman-Z -0.57
ROIC/WACC0.68
WACC4.45%
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.
Looking at the Current ratio, with a value of 0.05, NBBK belongs to the top of the industry, outperforming 99.49% of the companies in the same industry.
NBBK has a Quick Ratio of 0.05. This is a bad value and indicates that NBBK is not financially healthy enough and could expect problems in meeting its short term obligations.
The Quick ratio of NBBK (0.05) is better than 99.49% of its industry peers.
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

7

3. Growth

3.1 Past

NBBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 327.71%, which is quite impressive.
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 22.30% 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)327.71%
EPS 3Y26.69%
EPS 5YN/A
EPS Q2Q%59.09%
Revenue 1Y (TTM)22.3%
Revenue growth 3Y46.42%
Revenue growth 5YN/A
Sales Q2Q%12.03%

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 30.99% on average per year.
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

6

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 13.04, the valuation of NBBK can be described as correct.
Based on the Price/Earnings ratio, NBBK is valued a bit more expensive than 65.40% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.30. NBBK is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 8.52, which indicates a very decent valuation of NBBK.
NBBK's Price/Forward Earnings is on the same level as the industry average.
NBBK's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.06.
Industry RankSector Rank
PE 13.04
Fwd PE 8.52
NBBK Price Earnings VS Forward Price EarningsNBBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, NBBK is valued cheaper than 100.00% of the companies in the same industry.
NBBK's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 10.09
EV/EBITDA 2.75
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)0.33
PEG (5Y)N/A
EPS Next 2Y30.99%
EPS Next 3YN/A

0

5. Dividend

5.1 Amount

NBBK does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

NB BANCORP INC

NASDAQ:NBBK (6/6/2025, 11:03:20 AM)

15.65

-1 (-6.01%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-22 2025-04-22/amc
Earnings (Next)07-24 2025-07-24
Inst Owners43.02%
Inst Owner Change2%
Ins Owners1.62%
Ins Owner Change84.98%
Market Cap634.92M
Analysts82.86
Price Target19.38 (23.83%)
Short Float %3.61%
Short Ratio6.24
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
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)-13.64%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.06%
EPS NY rev (1m)5.04%
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 13.04
Fwd PE 8.52
P/S 2.11
P/FCF 10.09
P/OCF 9.81
P/B 0.86
P/tB 0.86
EV/EBITDA 2.75
EPS(TTM)1.2
EY7.67%
EPS(NY)1.84
Fwd EY11.73%
FCF(TTM)1.55
FCFY9.91%
OCF(TTM)1.6
OCFY10.19%
SpS7.41
BVpS18.23
TBVpS18.23
PEG (NY)0.33
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
WACC4.45%
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)327.71%
EPS 3Y26.69%
EPS 5YN/A
EPS Q2Q%59.09%
EPS Next Y39.18%
EPS Next 2Y30.99%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)22.3%
Revenue growth 3Y46.42%
Revenue growth 5YN/A
Sales Q2Q%12.03%
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