(NBBK) NB Bancorp, Common Stock - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 872m USD | Total Return: 18.8% in 12m
Avg Turnover: 6.04M
Qual. Beats: -1
Rev. Trend: 93.5%
Qual. Beats: 1
Warnings
No concerns identified
Tailwinds
No distinct edge detected
NB Bancorp, Inc. (NBBK) serves as the holding company for Needham Bank, providing comprehensive retail and commercial banking services within the Greater Boston metropolitan area. Founded in 1892, the institution manages a diversified portfolio that includes commercial real estate, multifamily residential, and mortgage warehouse lending alongside traditional consumer deposit products.
Operating within the regional banking sector, the company utilizes a traditional spread-based business model, generating revenue from the difference between interest earned on loans and securities and interest paid on customer deposits. Regional banks in the United States often focus on localized credit risk assessment to maintain asset quality within specific geographic corridors.
To evaluate how this institutions asset allocation compares to its peers, you can find more detailed financial metrics on ValueRay.
The company also maintains an investment portfolio comprised of U.S. Treasury securities, municipal bonds, and government-sponsored mortgage-backed securities to manage liquidity and interest rate risk. This structured approach to capital deployment supports its long-standing presence in the Massachusetts financial market.
- Commercial real estate and multifamily loan exposure impacts asset quality and valuation
- Net interest margin sensitivity to Federal Reserve monetary policy and interest rates
- Mortgage warehouse lending volume fluctuates with broader residential housing market activity
- Regional economic growth in Greater Boston drives deposit stability and loan demand
- Strategic deployment of capital following the recent conversion to a public company
| Net Income: 52.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.17 > 1.0 |
| NWC/Revenue: 1.97k% < 20% (prev -1.30k%; Δ 3.27k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 78.2m > Net Income 52.6m |
| Net Debt (-415.3m) to EBITDA (78.6m): -5.29 < 3 |
| Current Ratio: 317.9 > 1.5 & < 3 |
| Outstanding Shares: last quarter (41.4m) vs 12m ago 6.88% < -2% |
| Gross Margin: 54.98% > 18% (prev 0.54%; Δ 5.44k% > 0.5%) |
| Asset Turnover: 5.54% > 50% (prev 5.97%; Δ -0.43% > 0%) |
| Interest Coverage Ratio: 0.51 > 6 (EBITDA TTM 78.6m / Interest Expense TTM 145.8m) |
| A: 0.94 (Total Current Assets 6.84b - Total Current Liabilities 21.5m) / Total Assets 7.23b |
| B: 0.06 (Retained Earnings 457.0m / Total Assets 7.23b) |
| C: 0.01 (EBIT TTM 73.9m / Avg Total Assets 6.23b) |
| D: 0.06 (Book Value of Equity 409.5m / Total Liabilities 6.38b) |
| Altman-Z'' = 6.54 = AAA |
| DSRI: 289.2 (Receivables 6.24b/19.5m, Revenue 345.6m/313.1m) |
| GMI: 0.98 (GM 54.98% / 54.02%) |
| AQI: 0.05 (AQ_t 0.05 / AQ_t-1 0.94) |
| SGI: 1.10 (Revenue 345.6m / 313.1m) |
| TATA: -0.00 (NI 52.6m - CFO 78.2m) / TA 7.23b) |
| Beneish M = 233.7 (Cap -4..+1) = D |
As of May 24, 2026, the stock is trading at USD 19.88 with a total of 252,028 shares traded.
Over the past week, the price has changed by +3.18%,
over one month by -7.46%,
over three months by -7.29% and
over the past year by +18.84%.
NB Bancorp, Common Stock has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy NBBK.
- StrongBuy: 0
- Buy: 1
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 23 | 15.7% |
P/S = 3.8602
P/B = 1.0335
Revenue TTM = 345.6m USD
EBIT TTM = 73.9m USD
EBITDA TTM = 78.6m USD
Long Term Debt = 189.7m USD (from longTermDebt, last quarter)
Short Term Debt = 169.0m USD (from shortLongTermDebt, last fiscal year)
Debt = 189.7m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -415.3m USD (calculated: Debt 189.7m - CCE 605.0m)
Enterprise Value = 456.4m USD (871.7m + Debt 189.7m - CCE 605.0m)
Interest Coverage Ratio = 0.51 (Ebit TTM 73.9m / Interest Expense TTM 145.8m)
EV/FCF = 6.27x (Enterprise Value 456.4m / FCF TTM 72.8m)
FCF Yield = 15.96% (FCF TTM 72.8m / Enterprise Value 456.4m)
FCF Margin = 21.07% (FCF TTM 72.8m / Revenue TTM 345.6m)
Net Margin = 15.23% (Net Income TTM 52.6m / Revenue TTM 345.6m)
Gross Margin = 54.98% ((Revenue TTM 345.6m - Cost of Revenue TTM 155.6m) / Revenue TTM)
Gross Margin QoQ = 56.80% (prev 46.58%)
Tobins Q-Ratio = 0.06 (Enterprise Value 456.4m / Total Assets 7.23b)
Interest Expense / Debt = 76.85% (Interest Expense 145.8m / Debt 189.7m)
Taxrate = 26.38% (5.37m / 20.4m)
NOPAT = 54.4m (EBIT 73.9m * (1 - 26.38%))
Current Ratio = 317.9 (out of range, set to none) (Total Current Assets 6.84b / Total Current Liabilities 21.5m)
Debt / Equity = 0.23 (Debt 189.7m / totalStockholderEquity, last quarter 842.8m)
Debt / EBITDA = -5.29 (Net Debt -415.3m / EBITDA 78.6m)
Debt / FCF = -5.70 (Net Debt -415.3m / FCF TTM 72.8m)
Total Stockholder Equity = 794.0m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.84% (Net Income 52.6m / Total Assets 7.23b)
RoE = 6.63% (Net Income TTM 52.6m / Total Stockholder Equity 794.0m)
RoCE = 7.51% (EBIT 73.9m / Capital Employed (Equity 794.0m + L.T.Debt 189.7m))
RoIC = 0.76% (NOPAT 54.4m / Invested Capital 7.20b)
WACC = 7.28% (E(871.7m)/V(1.06b) * Re(8.86%) + (debt cost/tax rate unavailable))
Discount Rate = 8.86% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -22.47 | Cagr: -1.35%
[DCF] Terminal Value 77.97% ; FCFF base≈68.5m ; Y1≈78.5m ; Y5≈115.5m
[DCF] Fair Price = 49.11 (EV 1.74b - Net Debt -415.3m = Equity 2.15b / Shares 43.8m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: -4.0 | # QB: -1
Revenue Correlation: 93.49 | Revenue CAGR: 22.39% | SUE: 4.0 | # QB: 1
EPS current Quarter (2026-06-30): EPS=0.47 | Chg30d=-15.18% | Revisions=-20% | Analysts=2
EPS next Quarter (2026-09-30): EPS=0.53 | Chg30d=-11.67% | Revisions=-20% | Analysts=2
EPS current Year (2026-12-31): EPS=1.96 | Chg30d=-14.41% | Revisions=-20% | GrowthEPS=+14.6% | GrowthRev=+36.8%
EPS next Year (2027-12-31): EPS=2.48 | Chg30d=-4.99% | Revisions=+0% | GrowthEPS=+26.3% | GrowthRev=+7.9%
[Analyst] Revisions Ratio: -20%