20.4 USD
-0.26 (-1.26%)
20.4 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to NBBK. NBBK was compared to 383 industry peers in the Banks industry. While NBBK is still in line with the averages on profitability rating, there are concerns on its financial health. 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.
- In the past year NBBK had a positive cash flow from operations.
1.2 Ratios
- With a decent Return On Assets value of 1.07%, NBBK is doing good in the industry, outperforming 68.41% of the companies in the same industry.
- The Return On Equity of NBBK (7.90%) is comparable to the rest of the industry.
- The Return On Invested Capital of NBBK (3.11%) is better than 99.74% of its industry peers.
- NBBK had an Average Return On Invested Capital over the past 3 years of 1.99%. This 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.
- In the last couple of years the Profit Margin of NBBK has declined.
- With an excellent Operating Margin value of 67.86%, NBBK belongs to the best 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 | 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
- NBBK has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- NBBK has about the same amout of shares outstanding than it did 1 year ago.
- Compared to 1 year ago, NBBK has a worse debt to assets ratio.
2.2 Solvency
- NBBK has an Altman-Z score of -0.56. 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 -0.56, 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 57.78. This is a negative value and a sign of low solvency as NBBK would need 57.78 years to pay back of all of its debts.
- Looking at the Debt to FCF ratio, with a value of 57.78, NBBK is doing worse than 84.86% of the companies in the same industry.
- NBBK has a Debt/Equity ratio of 6.25. This is a high value indicating a heavy dependency on external financing.
- Looking at the Debt to Equity ratio, with a value of 6.25, NBBK is doing worse than 96.34% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.25 | ||
| Debt/FCF | 57.78 | ||
| Altman-Z | -0.56 |
ROIC/WACC0.62
WACC5.03%
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.
- With an excellent Quick ratio value of 0.05, NBBK belongs to the best of the industry, outperforming 99.48% of the companies in the same industry.
| 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 357.70%, 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
- NBBK shows a strong growth in Revenue. In the last year, the Revenue has grown by 30.31%.
- The Revenue has been growing by 46.42% on average over the past years. This is a very strong growth!
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
- Based on estimates for the next years, NBBK will show a very strong growth in Earnings Per Share. The EPS will grow by 33.66% on average per year.
- 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
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 19.07, NBBK is valued on the expensive side.
- NBBK's Price/Earnings ratio is rather expensive when compared to the industry. NBBK is more expensive than 80.16% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.21. NBBK is valued slightly cheaper when compared to this.
- With a Price/Forward Earnings ratio of 9.48, the valuation of NBBK can be described as very reasonable.
- Based on the Price/Forward Earnings ratio, NBBK is valued a bit cheaper than the industry average as 69.97% of the companies are valued more expensively.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.98, NBBK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.07 | ||
| Fwd PE | 9.48 |
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.
- The rest of the industry has a similar Price/Free Cash Flow ratio as NBBK.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.71 | ||
| EV/EBITDA | 3.57 |
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 33.66% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.33
PEG (5Y)N/A
EPS Next 2Y41.82%
EPS Next 3Y33.66%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 1.37%, NBBK has a reasonable but not impressive dividend return.
- NBBK's Dividend Yield is slightly below the industry average, which is at 2.61.
- NBBK's Dividend Yield is slightly below the S&P500 average, which is at 1.81.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.37% |
5.2 History
- NBBK does not have a reliable dividend history as it only pays dividend since a couple or years.
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.