NB Bancorp, Inc. Common Stock
NB Bancorp, Inc. Common Stock Fundamental Analysis
NB Bancorp, Inc. Common Stock (NBBK) shows moderate financial fundamentals with a PE ratio of 15.25, profit margin of 15.38%, and ROE of 6.63%. The company generates $0.3B in annual revenue with moderate year-over-year growth of 4.33%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 44.6/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze NBBK's fundamental strength across five key dimensions:
Efficiency Score
WeakNBBK struggles to generate sufficient returns from assets.
Valuation Score
ExcellentNBBK trades at attractive valuation levels.
Growth Score
ModerateNBBK shows steady but slowing expansion.
Financial Health Score
ModerateNBBK shows balanced financial health with some risks.
Profitability Score
ModerateNBBK maintains healthy but balanced margins.
Key Financial Metrics
Is NBBK Expensive or Cheap?
P/E Ratio
NBBK trades at 15.25 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, NBBK's PEG of 0.90 indicates potential undervaluation.
Price to Book
The market values NB Bancorp, Inc. Common Stock at 0.95 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 13.74 times EBITDA. This signals the market has high growth expectations.
How Well Does NBBK Make Money?
Net Profit Margin
For every $100 in sales, NB Bancorp, Inc. Common Stock keeps $15.38 as profit after all expenses.
Operating Margin
Core operations generate 21.60 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $6.63 in profit for every $100 of shareholder equity.
ROA
NB Bancorp, Inc. Common Stock generates $0.73 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
NB Bancorp, Inc. Common Stock produces operating cash flow of $56.33M, showing steady but balanced cash generation.
Free Cash Flow
NB Bancorp, Inc. Common Stock generates strong free cash flow of $53.99M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $1.42 in free cash annually.
FCF Yield
NBBK converts 7.81% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
15.25
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.90
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.95
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.17
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.00
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.07
vs 25 benchmark
ROA
Return on assets percentage
0.007
vs 25 benchmark
ROCE
Return on capital employed
0.01
vs 25 benchmark
How NBBK Stacks Against Its Sector Peers
| Metric | NBBK Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 15.25 | 19.02 | Better (Cheaper) |
| ROE | 6.63% | 815.00% | Weak |
| Net Margin | 15.38% | 1816.00% | Weak |
| Debt/Equity | 0.00 | 0.98 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 670.62 | Weak Liquidity |
| ROA | 0.73% | -24633.00% (disorted) | Weak |
NBBK outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews NB Bancorp, Inc. Common Stock's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
235.48%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
143.62%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
44.88%
Industry Style: Value, Dividend, Cyclical
High Growth