NBBK Stock Analysis: NB Bancorp, Common Stock | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 981m USD | 12M Return: 26.7% | US63945M1071 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 5.92M
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. (NBBK) is a bank holding company that operates 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 suite of retail deposit products (checking, savings, money market, CDs, and IRAs) and a diversified lending portfolio that includes commercial real estate, multifamily residential, one- to four-family residential, mortgage warehouse, construction and land development, commercial and industrial, consumer, and home equity loans. The company also maintains an investment securities portfolio composed of U.S. treasury and federal agency securities, government-sponsored residential mortgage-backed securities, corporate bonds, SBA securities, and municipal bonds.
As a bank holding company structure, NB Bancorp owns and controls its banking subsidiary, a common regulatory framework in the U.S. that separates the holding entity from the operating bank. Its focus on the Greater Boston market-a dense, high-cost region with active commercial real estate-positions it within the regional and community banking sub-industry, where institutions typically compete through local relationship-based lending rather than nationwide scale.
- CRE loan concentration weighs on Greater Boston portfolio
- Net interest margin compresses as deposit costs rise
- Mortgage warehouse lending volume expands fee income
| 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 September 27, 2026, the stock is trading at USD 22.60 with a total of 240,911 shares traded. Over the past week, the price has changed by -0.79%, over one month by +0.76%, over three months by +7.28% and over the past year by +26.71%.
Current recommended Stop Loss: 21.90 (which is 3.1% or 1.5 ATR below the current price).
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 | 25.5 | 12.8% |
P/E Trailing = 14.7303
P/S = 3.9371
P/B = 1.1855
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 = 489.5m USD (981.1m + Debt 181.2m - CCE 672.8m)
Interest Coverage Ratio = 0.53 (Ebit TTM 82.7m / Interest Expense TTM 155.6m)
EV/FCF = 5.90x (Enterprise Value 489.5m / FCF TTM 83.0m)
FCF Yield = 16.95% (FCF TTM 83.0m / Enterprise Value 489.5m)
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 489.5m / 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 = 6.80% (E(981.1m)/V(1.16b) * Re(8.06%) + (debt cost/tax rate unavailable))
Discount Rate = 8.06% (= 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)