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Company Analysis

NB Bancorp, Inc. NBBK

A comprehensive view of key metrics, scores, and financial health for NB Bancorp, Inc.

Overview of NB Bancorp, Inc.

NBBK NCM
Financial Services Banks - Regional Small Cap
NB Bancorp, Inc. (NBBK), is a Small Cap company, in the Banks - Regional industry, last closed at $20.82, about 11.0% overvalued vs fair value, +11.2% 1Y return, ranked 723/1004 in sector.
$20.82
-1.23%
As of March 13, 2026
Previous close • Vol 90d: 24.2%
52-Week Range
Market Cap
$969.56M
Enterprise Value
$840.08M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://nbbancorp.com
HQ Needham, MA
Employees 376
Fiscal year Sep 30

Next Events

Earnings Apr 22 Estimated

Fair Value Snapshot

Bear Base Bull
$10
$19
$35
Current: $20.82 -11% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$292.5M
32.7%%
Interest Expense
$138.3M
Net Interest Income
$161.2M
23.9%%
Total Revenue
$317.2M
4.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
5.9%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$33.4M
66.4% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
Analysis based on partial data. Some metrics unavailable for complete assessment.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating NB Bancorp, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
38
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
35
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing NBBK's balance between Growth (46.0%), Profitability (27.7%), and Safety (26.3%). Growth 46% Safety 26% Profitability 28%

Click axes to expand details. Marker shows current allocation.

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Growth

62th percentile vs peers
62
Key Signals
Asset Growth YoY 35.8% 95p Revenue CAGR 3Y 35.0% 89p Rev Growth YoY 4.3% 13p
Strengths
  • Asset Growth Yoy in top 20% of peers (35.8%, 95th percentile)
  • Revenue Cagr 3Y in top 20% of peers (35.0%, 89th percentile)
  • Growth above peer median with strong metric coverage (72%)
Risks
  • Rev Growth Yoy in bottom 20% of peers (4.3%)

Profitability

37th percentile vs peers
37
Key Signals
Strengths
Risks
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Safety

35th percentile vs peers
36
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for NB Bancorp, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$18.53
- - -
-11.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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