NB BANCORP INC (NBBK) Stock Fundamental Analysis
USA - NASDAQ:NBBK - US63945M1071 - Common Stock
18.07 USD
-0.05 (-0.28%)
18.07 USD
0 (0%)
Overall NBBK gets a fundamental rating of 4 out of 10. We evaluated NBBK against 390 industry peers in the Banks industry. There are concerns on the financial health of NBBK while its profitability can be described as average. 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
Looking at the Return On Assets, with a value of 0.98%, NBBK is in the better half of the industry, outperforming 62.56% of the companies in the same industry.
NBBK has a Return On Equity of 6.95%. This is in the lower half of the industry: NBBK underperforms 64.10% of its industry peers.
NBBK has a better Return On Invested Capital (3.17%) 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 2.46%.
The last Return On Invested Capital (3.17%) for NBBK is above the 3 year average (1.99%), which is a sign of increasing profitability.
| 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
NBBK's Profit Margin of 16.55% is on the low side compared to the rest of the industry. NBBK is outperformed by 71.79% 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 68.02%, 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 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
NBBK has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for NBBK remains at a similar level compared to 1 year ago.
The debt/assets ratio for NBBK is higher compared to a year ago.
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 99.49% 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.
The Debt to FCF ratio of NBBK (67.43) is worse than 84.62% 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.
Looking at the Debt to Equity ratio, with a value of 5.96, NBBK is doing worse than 96.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.96 | ||
| Debt/FCF | 67.43 | ||
| Altman-Z | -0.56 |
ROIC/WACC0.7
WACC4.52%
2.3 Liquidity
A Current Ratio of 0.04 indicates that NBBK may have some problems paying its short term obligations.
NBBK's Current ratio of 0.04 is amongst the best of the industry. NBBK outperforms 99.49% 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 99.49% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.04 | ||
| Quick Ratio | 0.04 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 316.06% over the past year.
Measured over the past years, NBBK shows a very strong growth in Earnings Per Share. The EPS has been growing by 26.69% on average per year.
The Revenue has grown by 13.78% in the past year. This is quite good.
NBBK shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 46.42% yearly.
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
The Earnings Per Share is expected to grow by 34.58% on average over the next years. This is a very strong growth
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y53.48%
EPS Next 2Y34.58%
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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 16.89, the valuation of NBBK can be described as correct.
Based on the Price/Earnings ratio, NBBK is valued a bit more expensive than 75.13% of the companies in the same industry.
NBBK's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.11.
Based on the Price/Forward Earnings ratio of 9.32, the valuation of NBBK can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of NBBK is on the same level as its industry peers.
NBBK's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.55.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.89 | ||
| Fwd PE | 9.32 |
4.2 Price Multiples
100.00% of the companies in the same industry are more expensive than NBBK, based on the Enterprise Value to EBITDA ratio.
NBBK's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.04 | ||
| EV/EBITDA | 3.23 |
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 34.58% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.32
PEG (5Y)N/A
EPS Next 2Y34.58%
EPS Next 3YN/A
5. Dividend
5.1 Amount
NBBK has a Yearly Dividend Yield of 1.55%. Purely for dividend investing, there may be better candidates out there.
NBBK's Dividend Yield is slightly below the industry average, which is at 3.51.
Compared to the average S&P500 Dividend Yield of 2.37, NBBK is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.55% |
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 2Y34.58%
EPS Next 3YN/A
18.07
-0.05 (-0.28%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners47.62%
Inst Owner Change-0.28%
Ins Owners4.93%
Ins Owner Change1.06%
Market Cap719.73M
Revenue(TTM)316.94M
Net Income(TTM)51.23M
Analysts82.86
Price Target22.44 (24.18%)
Short Float %5.89%
Short Ratio11.94
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.55% |
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)15.79%
EPS NQ rev (1m)7.14%
EPS NQ rev (3m)18.42%
EPS NY rev (1m)0%
EPS NY rev (3m)10.27%
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 | 16.89 | ||
| Fwd PE | 9.32 | ||
| P/S | 2.33 | ||
| P/FCF | 11.04 | ||
| P/OCF | 10.74 | ||
| P/B | 0.98 | ||
| P/tB | 0.98 | ||
| EV/EBITDA | 3.23 |
EPS(TTM)1.07
EY5.92%
EPS(NY)1.94
Fwd EY10.72%
FCF(TTM)1.64
FCFY9.06%
OCF(TTM)1.68
OCFY9.31%
SpS7.77
BVpS18.51
TBVpS18.51
PEG (NY)0.32
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 | -0.56 |
F-Score6
WACC4.52%
ROIC/WACC0.7
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 Y53.48%
EPS Next 2Y34.58%
EPS Next 3YN/A
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 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.
What are the PE and PB ratios of NB BANCORP INC (NBBK) stock?
The Price/Earnings (PE) ratio for NB BANCORP INC (NBBK) is 16.89 and the Price/Book (PB) ratio is 0.98.