NB BANCORP INC (NBBK) Stock Fundamental Analysis
NASDAQ:NBBK - Nasdaq - US63945M1071 - Common Stock - Currency: USD
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!
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'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 Rank | Sector 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
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 Rank | Sector 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
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.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.97 | ||
| Debt/FCF | 70.19 | ||
| Altman-Z | -0.57 |
ROIC/WACC0.68
WACC4.45%
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 Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.05 | ||
| Quick Ratio | 0.05 |
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.
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.04 | ||
| Fwd PE | 8.52 |
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.09 | ||
| EV/EBITDA | 2.75 |
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
5. Dividend
5.1 Amount
NBBK does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)
Earnings (Next)
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 Rank | Sector 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 Rank | Sector 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 Rank | Sector 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 Rank | Sector 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