NBBK Stock Analysis: NB Bancorp, Common Stock | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 976m USD | 12M Return: 26.2% | US63945M1071 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 6.05M
Qual. Beats: 0
Rev. Trend: 95.6%
Qual. Beats: 2
Warnings
Tailwinds
Seasonality 2.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
NB Bancorp, Inc. (NASDAQ: NBBK) operates as the bank holding company for Needham Bank, a community bank founded in 1892 and headquartered in Needham, Massachusetts. The company serves the Greater Boston metropolitan area and surrounding communities, offering a full range of deposit products (including checking, savings, money market, NOW, and CDs) and a diversified loan portfolio spanning commercial real estate, multifamily and one- to four-family residential mortgages, mortgage warehouse lending, construction and land development, commercial and industrial, consumer, and home equity products. NB Bancorp also maintains an investment securities portfolio composed primarily of U.S. Treasury, federal agency, government-sponsored residential mortgage-backed, corporate, SBA, and municipal bonds.
As a recently public regional bank (IPOd in late 2023), NB Bancorp operates under the standard bank holding company structure, where the parent company owns the operating bank and is subject to Federal Reserve oversight while the subsidiary bank is regulated by the OCC and FDIC. Community-oriented lenders like Needham Bank typically rely on local deposit gathering and relationship-based commercial lending, with a meaningful allocation to commercial real estate loans being a common feature of the regional bank business model in the Northeast.
- Net interest margin compression as Fed cuts rates
- Commercial real estate loan portfolio faces regional bank stress
- Deposit growth in Greater Boston market supports funding costs
| Net Income: 59.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.11 > 1.0 |
| NWC/Revenue: -1.49k% < 20% (prev -1.25k%; Δ -241.6% < -1%) |
| CFO/TA 0.01 > 3% & CFO 85.3m > Net Income 59.2m |
| Net Debt (-491.5m) to EBITDA (88.4m): -5.56 < 3 |
| Current Ratio: 0.13 > 1.5 & < 3 |
| Outstanding Shares: last quarter (41.4m) vs 12m ago 10.31% < -2% |
| Gross Margin: 56.46% > 18% (prev 55.31%; Δ 1.15% > 0.5%) |
| Asset Turnover: 6.00% > 50% (prev 6.16%; Δ -0.16% > 0%) |
| Interest Coverage Ratio: 0.53 > 6 (EBIT TTM 82.7m / Interest Expense TTM 155.6m) |
| A: -0.76 (Total Current Assets 830.8m - Total Current Liabilities 6.51b) / Total Assets 7.45b |
| B: 0.06 (Retained Earnings 475.0m / Total Assets 7.45b) |
| C: 0.01 (EBIT TTM 82.7m / Avg Total Assets 6.34b) |
| D: 0.13 (Book Value of Equity 842.0m / Total Liabilities 6.60b) |
| Altman-Z'' = -4.57 = D |
| DSRI: 1.20 (Receivables 28.9m/20.4m, Revenue 380.0m/321.9m) |
| GMI: 0.98 (GM 55.31% / 56.46%) |
| AQI: 0.93 (AQ_t 0.88 / AQ_t-1 0.95) |
| SGI: 1.18 (Revenue 380.0m / 321.9m) |
| TATA: -0.00 (NI 59.2m - CFO 85.3m) / TA 7.45b) |
| Beneish M = -2.79 (Cap -4..+1) = A |
As of October 06, 2026, the stock is trading at USD 22.41 with a total of 217,772 shares traded. Over the past week, the price has changed by -0.66%, over one month by -2.54%, over three months by +6.88% and over the past year by +26.20%.
Current recommended Stop Loss: 21.10 (which is 5.8% or 2.8 ATR below the current price).
NB Bancorp, Common Stock has received a consensus analysts rating of 3.50. Therefore, it is recommended to hold NBBK.
- StrongBuy: 0
- Buy: 1
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 25.5 | 13.8% |
P/E Trailing = 14.6513
P/S = 3.916
P/B = 1.1655
Revenue TTM = 380.0m USD
EBIT TTM = 82.7m USD
EBITDA TTM = 88.4m USD
Long Term Debt = 181.2m USD (from longTermDebt, last quarter)
Short Term Debt = 181.2m USD (from shortTermDebt, last quarter)
Debt = 181.2m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -491.5m USD (calculated: Debt 181.2m - CCE 672.8m)
Enterprise Value = 484.3m USD (975.8m + Debt 181.2m - CCE 672.8m)
Interest Coverage Ratio = 0.53 (Ebit TTM 82.7m / Interest Expense TTM 155.6m)
EV/FCF = 5.84x (Enterprise Value 484.3m / FCF TTM 83.0m)
FCF Yield = 17.13% (FCF TTM 83.0m / Enterprise Value 484.3m)
FCF Margin = 21.83% (FCF TTM 83.0m / Revenue TTM 380.0m)
Net Margin = 15.57% (Net Income TTM 59.2m / Revenue TTM 380.0m)
Gross Margin = 56.46% ((Revenue TTM 380.0m - Cost of Revenue TTM 165.4m) / Revenue TTM)
Gross Margin QoQ = 60.94% (prev 56.80%)
Tobins Q-Ratio = 0.07 (Enterprise Value 484.3m / Total Assets 7.45b)
Interest Expense / Debt = 85.84% (Interest Expense 155.6m / Debt 181.2m)
Taxrate = 28.44% (23.5m / 82.7m)
NOPAT = 59.2m (EBIT 82.7m * (1 - 28.44%))
Current Ratio = 0.13 (Total Current Assets 830.8m / Total Current Liabilities 6.51b)
Debt / Equity = 0.22 (Debt 181.2m / totalStockholderEquity, last quarter 842.0m)
Debt / EBITDA = -5.56 (Net Debt -491.5m / EBITDA 88.4m)
Debt / FCF = -5.93 (Net Debt -491.5m / FCF TTM 83.0m)
Total Stockholder Equity = 820.2m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.93% (Net Income 59.2m / Total Assets 7.45b)
RoE = 7.21% (Net Income TTM 59.2m / Total Stockholder Equity 820.2m)
RoCE = 8.26% (EBIT 82.7m / Capital Employed (Equity 820.2m + L.T.Debt 181.2m))
RoIC = 5.36% (NOPAT 59.2m / Invested Capital 1.10b)
WACC = 6.82% (E(975.8m)/V(1.16b) * Re(8.09%) + (debt cost/tax rate unavailable))
Discount Rate = 8.09% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 27.50 | Cagr: 1.92%
[DCF] Terminal Value 77.97% ; FCFF base≈75.4m ; Y1≈86.5m ; Y5≈127.3m
[DCF] Fair Price = 54.93 (EV 1.92b - Net Debt -491.5m = Equity 2.41b / Shares 43.8m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 0.55 | # QB: 0
Revenue Correlation: 95.61 | Revenue CAGR: 19.10% | SUE: 2.30 | # QB: 2
EPS current Quarter (2026-09-30): EPS=0.58 | Chg30d=+10.38% | Revisions=+25% | Analysts=2
EPS current Year (2026-12-31): EPS=2.13 | Chg30d=+8.93% | Revisions=+25% | GrowthEPS=+24.9% | GrowthRev=+40.0%
EPS next Year (2027-12-31): EPS=2.60 | Chg30d=+5.25% | Revisions=+40% | GrowthEPS=+22.0% | GrowthRev=+9.3%
[Analyst] Revisions Ratio: +57% (up=4, down=0)