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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 Framework: Banks & Lenders Small Cap
NB Bancorp, Inc. (NBBK), is a Small Cap company, in the Banks - Regional industry, last closed at $22.53, about 3.3% overvalued vs fair value, +24.3% 1Y return, ranked 726/1078 in sector.
Metrics Rev Growth 4.3% ROE 6.2% Gross Margin 54.9%
USD 22.53
-0.44%
(Delayed)
• Vol 90d: 22.4%
52-Week Range
Market Cap
$919.86M
Enterprise Value
$728.59M
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Good
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 100%
Confidence: 94%
Updated: Oct 24
Top Beats

Quick Facts

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

Next Events

Dividend Nov 12

Fair Value Snapshot

Bear Base Bull
$12
$22
$41
Current: $22.53 -3% 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

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$33.4M
79.2% 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
34
/100
Developing
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Strong Capital Position Capital position is strong (score 0.66), exceeding regulatory minimums.

Key risks

  • Weak Deposit Franchise Deposit franchise appears weak (profitability score 0.21).
  • Weak Net Interest Margin Net interest margin proxy is weak (score 0.22).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Developing
31
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 62% Coverage
Trade-Off Triangle Visualization A ternary plot showing NBBK's balance between Growth (41.6%), Profitability (26.7%), and Safety (31.7%). Growth 42% Safety 32% Profitability 27%

Click axes to expand details. Marker shows current allocation.

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Growth

90th percentile vs peers
91
Key Signals
Asset Growth YoY 35.8% 96p NII Growth YoY 23.9% 85p
Strengths
  • Growth performance in top 20% of peers (percentile: 90)
  • Asset Growth YoY in top 20% of peers (35.8%, 96th percentile)
  • NII Growth YoY in top 20% of peers (23.9%, 85th percentile)
  • Efficiency Ratio in top 20% of peers (32.5%, 95th percentile)
  • Conservative leverage compared to industry peers
Risks

No significant risks identified for this axis.

Profitability

58th percentile vs peers
58
Key Signals
Strengths
Risks
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Safety

69th percentile vs peers
69
Key Signals
Strengths
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Two Futures

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

Loading valuation model...
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
$21.79
- - -
-3.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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