NBBK Stock Analysis: NB Bancorp, Common Stock | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 977m USD | 12M Return: 24% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 5.73M
Qual. Beats: 0
Rev. Trend: 93.3%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 2.5 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 -0.21 > 1.0 |
| NWC/Revenue: 295.0% < 20% (prev -1.25k%; Δ 1.55k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 78.2m > Net Income 59.2m |
| Net Debt (-448.9m) to EBITDA (77.6m): -5.78 < 3 |
| Current Ratio: 1.16 > 1.5 & < 3 |
| Outstanding Shares: last quarter (41.4m) vs 12m ago 10.31% < -2% |
| Gross Margin: 57.63% > 18% (prev 55.31%; Δ 2.32% > 0.5%) |
| Asset Turnover: 5.32% > 50% (prev 6.16%; Δ -0.84% > 0%) |
| Interest Coverage Ratio: 0.56 > 6 (EBIT TTM 77.1m / Interest Expense TTM 138.3m) |
| A: 0.13 (Total Current Assets 7.10b - Total Current Liabilities 6.10b) / Total Assets 7.45b |
| B: 0.06 (Retained Earnings 475.0m / Total Assets 7.45b) |
| C: 0.01 (EBIT TTM 77.1m / Avg Total Assets 6.34b) |
| D: 0.13 (Book Value of Equity 842.0m / Total Liabilities 6.60b) |
| Altman-Z'' = 1.30 = BB |
| DSRI: 3.0 (Receivables 6.45b/20.4m, Revenue 337.4m/321.9m) |
| GMI: 0.96 (GM 55.31% / 57.63%) |
| AQI: 0.04 (AQ_t 0.04 / AQ_t-1 0.95) |
| SGI: 1.05 (Revenue 337.4m / 321.9m) |
| TATA: -0.00 (NI 59.2m - CFO 78.2m) / TA 7.45b) |
| Beneish M = -1.95 (Cap -4..+1) = B |
As of July 28, 2026, the stock is trading at USD 22.43 with a total of 401,690 shares traded. Over the past week, the price has changed by +6.91%, over one month by +5.85%, over three months by +13.28% and over the past year by +24.03%.
Current recommended Stop Loss: 21.10 (which is 5.9% or 2.5 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 | 24 | 7% |
P/E Trailing = 15.3724
P/S = 3.9204
P/B = 1.0972
Revenue TTM = 337.4m USD
EBIT TTM = 77.1m USD
EBITDA TTM = 77.6m USD
Long Term Debt = 27.3m USD (from longTermDebt, last fiscal year)
Short Term Debt = 169.0m USD (from shortLongTermDebt, last fiscal year)
Debt = 196.2m USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -448.9m USD (calculated: Debt 196.2m - CCE 645.2m)
Enterprise Value = 528.4m USD (977.3m + Debt 196.2m - CCE 645.2m)
Interest Coverage Ratio = 0.56 (Ebit TTM 77.1m / Interest Expense TTM 138.3m)
EV/FCF = 7.25x (Enterprise Value 528.4m / FCF TTM 72.8m)
FCF Yield = 13.78% (FCF TTM 72.8m / Enterprise Value 528.4m)
FCF Margin = 21.59% (FCF TTM 72.8m / Revenue TTM 337.4m)
Net Margin = 17.54% (Net Income TTM 59.2m / Revenue TTM 337.4m)
Gross Margin = 57.63% ((Revenue TTM 337.4m - Cost of Revenue TTM 142.9m) / Revenue TTM)
Gross Margin QoQ = none% (prev 56.80%)
Tobins Q-Ratio = 0.07 (Enterprise Value 528.4m / Total Assets 7.45b)
Interest Expense / Debt = 70.47% (Interest Expense 138.3m / Debt 196.2m)
Taxrate = 29.28% (20.8m / 71.1m)
NOPAT = 54.5m (EBIT 77.1m * (1 - 29.28%))
Current Ratio = 1.16 (Total Current Assets 7.10b / Total Current Liabilities 6.10b)
Debt / Equity = 0.23 (Debt 196.2m / totalStockholderEquity, last quarter 842.0m)
Debt / EBITDA = -5.78 (Net Debt -448.9m / EBITDA 77.6m)
Debt / FCF = -6.16 (Net Debt -448.9m / FCF TTM 72.8m)
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 = 9.09% (EBIT 77.1m / Capital Employed (Equity 820.2m + L.T.Debt 27.3m))
RoIC = 0.74% (NOPAT 54.5m / Invested Capital 7.41b)
WACC = 7.13% (E(977.3m)/V(1.17b) * Re(8.56%) + (debt cost/tax rate unavailable))
Discount Rate = 8.56% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 27.50 | Cagr: 1.92%
[DCF] Terminal Value 77.97% ; FCFF base≈68.5m ; Y1≈78.5m ; Y5≈115.5m
[DCF] Fair Price = 49.88 (EV 1.74b - Net Debt -448.9m = Equity 2.19b / 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: 93.32 | Revenue CAGR: 16.93% | SUE: 0.10 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.56 | Chg30d=+5.66% | Revisions=-25% | Analysts=1
EPS current Year (2026-12-31): EPS=1.97 | Chg30d=+0.26% | Revisions=-25% | GrowthEPS=+14.9% | GrowthRev=+36.1%
EPS next Year (2027-12-31): EPS=2.50 | Chg30d=+1.01% | Revisions=+0% | GrowthEPS=+27.2% | GrowthRev=+8.0%
[Analyst] Revisions Ratio: -29% (up=1, down=3)