NB BANCORP INC (NBBK) Stock Fundamental Analysis

NASDAQ:NBBK • US63945M1071

21.44 USD
-0.77 (-3.47%)
Last: Feb 27, 2026, 03:04 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Overall NBBK gets a fundamental rating of 5 out of 10. We evaluated NBBK against 379 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 growing strongly while it also seems undervalued. This is an interesting combination


Dividend Valuation Growth Profitability Health

6

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.
  • Each year in the past 5 years NBBK has been profitable.
  • Of the past 5 years NBBK 4 years had a positive operating cash flow.
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 2025 50M 100M 150M 200M

1.2 Ratios

  • NBBK's Return On Assets of 1.07% is fine compared to the rest of the industry. NBBK outperforms 67.28% of its industry peers.
  • The Return On Equity of NBBK (7.90%) is comparable to the rest of the industry.
  • With an excellent Return On Invested Capital value of 2.87%, NBBK belongs to the best of the industry, outperforming 99.74% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for NBBK is in line with the industry average of 2.69%.
  • The last Return On Invested Capital (2.87%) for NBBK is above the 3 year average (2.27%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 1.07%
ROE 7.9%
ROIC 2.87%
ROA(3y)0.58%
ROA(5y)0.67%
ROE(3y)4.22%
ROE(5y)5.6%
ROIC(3y)2.27%
ROIC(5y)1.78%
NBBK Yearly ROA, ROE, ROICNBBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2021 2022 2023 2024 2025 2 4 6 8

1.3 Margins

  • NBBK has a worse Profit Margin (18.37%) than 71.24% of its industry peers.
  • NBBK's Profit Margin has declined in the last couple of years.
  • Looking at the Operating Margin, with a value of 67.86%, NBBK belongs to the top 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 67.86%
PM (TTM) 18.37%
GM N/A
OM growth 3Y16.61%
OM growth 5YN/A
PM growth 3Y-15.3%
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 2025 20 40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

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 more shares outstanding
  • The debt/assets ratio for NBBK is higher compared to a year ago.
NBBK Yearly Shares OutstandingNBBK Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 2024 2025 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 2025 2B 4B 6B

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 99.21% of the companies in the same industry.
  • The Debt to FCF ratio of NBBK is 57.78, which is on the high side as it means it would take NBBK, 57.78 years of fcf income to pay off all of its debts.
  • With a Debt to FCF ratio value of 57.78, NBBK is not doing good in the industry: 85.49% of the companies in the same industry are doing better.
  • NBBK has a Debt/Equity ratio of 6.25. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of NBBK (6.25) is worse than 96.83% of its industry peers.
Industry RankSector Rank
Debt/Equity 6.25
Debt/FCF 57.78
Altman-Z -0.55
ROIC/WACC0.56
WACC5.16%
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 2025 200M 400M 600M 800M

2.3 Liquidity

  • A Current Ratio of 0.05 indicates that NBBK may have some problems paying its short term obligations.
  • NBBK has a Current ratio of 0.05. This is amongst the best in the industry. NBBK outperforms 99.47% of its industry peers.
  • 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.
  • NBBK's Quick ratio of 0.05 is amongst the best of the industry. NBBK outperforms 99.47% 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 2025 1B 2B 3B 4B 5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. Growth

3.1 Past

  • NBBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 64.49%, which is quite impressive.
  • The Earnings Per Share has been growing by 20.69% on average over the past years. This is a very strong growth
  • NBBK shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 15.20%.
  • The Revenue has been growing by 40.16% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)64.49%
EPS 3Y20.69%
EPS 5YN/A
EPS Q2Q%27.5%
Revenue 1Y (TTM)15.2%
Revenue growth 3Y40.16%
Revenue growth 5YN/A
Sales Q2Q%-18.75%

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 22.87% on average per year.
  • NBBK is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.08% yearly.
EPS Next Y32.72%
EPS Next 2Y22.87%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year31.58%
Revenue Next 2Y17.08%
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.
  • Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
NBBK Yearly Revenue VS EstimatesNBBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
NBBK Yearly EPS VS EstimatesNBBK Yearly EPS VS EstimatesYearly EPS VS Estimates 2024 2025 2026 2027 0.5 1 1.5 2 2.5

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Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 12.18, which indicates a correct valuation of NBBK.
  • The rest of the industry has a similar Price/Earnings ratio as NBBK.
  • The average S&P500 Price/Earnings ratio is at 27.11. NBBK is valued rather cheaply when compared to this.
  • NBBK is valuated reasonably with a Price/Forward Earnings ratio of 9.18.
  • NBBK's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. NBBK is cheaper than 74.93% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.13, NBBK is valued rather cheaply.
Industry RankSector Rank
PE 12.18
Fwd PE 9.18
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 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 RankSector Rank
P/FCF 12.31
EV/EBITDA 3.95
NBBK Per share dataNBBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

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 has a very decent profitability rating, which may justify a higher PE ratio.
  • A more expensive valuation may be justified as NBBK's earnings are expected to grow with 22.87% in the coming years.
PEG (NY)0.37
PEG (5Y)N/A
EPS Next 2Y22.87%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

1

5. Dividend

5.1 Amount

  • NBBK has a Yearly Dividend Yield of 1.30%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.74, NBBK is paying slightly less dividend.
  • NBBK's Dividend Yield is slightly below the S&P500 average, which is at 1.80.
Industry RankSector Rank
Dividend Yield 1.3%

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 2026 0.05 0.1

5.3 Sustainability

DPN/A
EPS Next 2Y22.87%
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 2025 10M 20M 30M 40M 50M

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Find the best dividend stocksShow peers with best dividend

NB BANCORP INC

NASDAQ:NBBK (2/27/2026, 3:04:21 PM)

21.44

-0.77 (-3.47%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-20
Inst Owners43.29%
Inst Owner Change13.59%
Ins Owners4.29%
Ins Owner Change3.36%
Market Cap981.31M
Revenue(TTM)336.73M
Net Income(TTM)58.21M
Analysts80
Price Target24.48 (14.18%)
Short Float %3.81%
Short Ratio5.27
Dividend
Industry RankSector Rank
Dividend Yield 1.3%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date02-05
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)14.38%
Min EPS beat(2)12.04%
Max EPS beat(2)16.71%
EPS beat(4)4
Avg EPS beat(4)13.82%
Min EPS beat(4)3.98%
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)6.67%
PT rev (3m)9.09%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.45%
EPS NY rev (1m)8.53%
EPS NY rev (3m)15.66%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)6.46%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 12.18
Fwd PE 9.18
P/S 3.1
P/FCF 12.31
P/OCF 12.02
P/B 1.33
P/tB 1.33
EV/EBITDA 3.95
EPS(TTM)1.76
EY8.21%
EPS(NY)2.34
Fwd EY10.89%
FCF(TTM)1.74
FCFY8.12%
OCF(TTM)1.78
OCFY8.32%
SpS6.92
BVpS16.1
TBVpS16.1
PEG (NY)0.37
PEG (5Y)N/A
Graham Number25.25
Profitability
Industry RankSector Rank
ROA 1.07%
ROE 7.9%
ROCE 27.47%
ROIC 2.87%
ROICexc 2.98%
ROICexgc 3.05%
OM 67.86%
PM (TTM) 18.37%
GM N/A
FCFM 25.16%
ROA(3y)0.58%
ROA(5y)0.67%
ROE(3y)4.22%
ROE(5y)5.6%
ROIC(3y)2.27%
ROIC(5y)1.78%
ROICexc(3y)2.36%
ROICexc(5y)1.88%
ROICexgc(3y)2.43%
ROICexgc(5y)1.93%
ROCE(3y)20.03%
ROCE(5y)16.16%
ROICexgc growth 3Y31.07%
ROICexgc growth 5YN/A
ROICexc growth 3Y31.06%
ROICexc growth 5YN/A
OM growth 3Y16.61%
OM growth 5YN/A
PM growth 3Y-15.3%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 6.25
Debt/FCF 57.78
Debt/EBITDA 21.14
Cap/Depr 66.66%
Cap/Sales 0.61%
Interest Coverage 1.56
Cash Conversion 37.46%
Profit Quality 136.97%
Current Ratio 0.05
Quick Ratio 0.05
Altman-Z -0.55
F-Score6
WACC5.16%
ROIC/WACC0.56
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)64.49%
EPS 3Y20.69%
EPS 5YN/A
EPS Q2Q%27.5%
EPS Next Y32.72%
EPS Next 2Y22.87%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)15.2%
Revenue growth 3Y40.16%
Revenue growth 5YN/A
Sales Q2Q%-18.75%
Revenue Next Year31.58%
Revenue Next 2Y17.08%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y44.82%
EBIT growth 3Y63.44%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y131.57%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y126.49%
OCF growth 3YN/A
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 5 / 10 to NBBK.


What is the valuation status of NB BANCORP INC (NBBK) stock?

ChartMill assigns a valuation rating of 7 / 10 to NB BANCORP INC (NBBK). This can be considered as Undervalued.


Can you provide the profitability details for NB BANCORP INC?

NB BANCORP INC (NBBK) has a profitability rating of 6 / 10.


Can you provide the financial health for NBBK stock?

The financial health rating of NB BANCORP INC (NBBK) is 2 / 10.