A Business at a Glance
0 of 1 daily views used (1 remaining). Sign up free for +5 more daily views (6 total), or try AAPL for a full preview.
NB Bancorp, Inc.
NBBK
$842M
Mkt Cap
$22.43
+0.63%
NB Bancorp, Inc. (NBBK) has a current P/E ratio of 16.7, compared to its historical median P/E of 17.0. The stock is currently considered Fair based on its historical valuation range.
NB Bancorp, Inc. (NBBK) has a 5-year average return on invested capital (ROIC) of 5.6%. This is below average and may indicate limited pricing power.
NB Bancorp, Inc. (NBBK) has a market capitalization of $842M. It is classified as a small-cap stock.
Yes, NB Bancorp, Inc. (NBBK) pays a dividend with a trailing twelve-month yield of 0.66%. The company also returns capital through share buybacks, with a buyback yield of 9.16%.
Based on historical P/E analysis, NB Bancorp, Inc. (NBBK) appears fair. The current P/E of 16.7 is 1% below its historical median of 17.0. The estimated fair value CAGR (P/E method) is 41.8%.
NB Bancorp, Inc. (NBBK) operates in the Savings Institutions, Not Federally Chartered industry, within the Financials sector.
NB Bancorp, Inc. (NBBK) reported annual revenue of $352 million in its most recent fiscal year, based on SEC EDGAR filings.
FORWARD-LOOKING STATEMENTS In this Annual Report on Form 10-K, the terms “we,” “our,” and “us” refer to NB Bancorp, Inc. and Needham Bank, unless the context indicates another meaning. In addition, we sometimes refer to NB Bancorp, Inc. as “NB Bancorp” or the “Company” and to Needham Bank as the “Bank.” Certain statements contained in this Annual Report on form 10-K, that are not historical facts, may be considered forward-looking statements, within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended (the “Exchange Act”) and are intended to be covered by the safe harbor provisions of the Private Securities Litigation Reform Act of 1995.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 |
|---|---|---|---|---|---|
| Revenue | 352M | 352M | 305M | 238M | 130M |
| Net Income | 50M | 50M | 42M | 9.8M | 30M |
| EPS | $1.34 | $1.34 | $1.07 | $0.23 | - |
| Free Cash Flow | 57M | 57M | 41M | 50M | 31M |
| ROIC | 11.1% | 6.2% | 5.5% | 1.8% | 9.0% |
| Gross Margin | - | - | - | - | - |
| Debt/Equity | 0.00 | 7.16 | 5.74 | 4.98 | 9.44 |
| Dividends/Share | $0.15 | $0.15 | - | - | - |
| Operating Income | 71M | 71M | 59M | 12M | 36M |
| Operating Margin | 20.2% | 20.2% | 19.2% | 5.0% | 28.0% |
| ROE | 5.9% | 6.2% | 5.5% | 1.8% | 9.0% |
| Shares Outstanding | 38M | 38M | 39M | 43M | - |
| Metric | |||||
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | 130M | 238M | 305M | 352M | 352M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A |
| SG&A | 47M | 68M | 67M | 77M | 77M |
| EBIT | 36M | 12M | 59M | 71M | 71M |
| Op. Margin | 28.0% | 5.0% | 19.2% | 20.2% | 20.2% |
| Net Income | 30M | 9.8M | 42M | 50M | 50M |
| Net Margin | 23.1% | 4.1% | 13.8% | 14.3% | 14.3% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | |||||
| ROIC | 9.0% | 1.8% | 5.5% | 6.2% | 11.1% |
| ROE | 9.0% | 1.8% | 5.5% | 6.2% | 5.9% |
| ROA | 0.8% | 0.2% | 0.9% | 0.8% | 0.7% |
| Cash Flow | |||||
| Op. Cash Flow | 40M | 53M | 43M | 61M | 61M |
| Free Cash Flow | 31M | 50M | 41M | 57M | 57M |
| Owner Earnings | 37M | 46M | 40M | 54M | 54M |
| CapEx | 8.5M | 2.9M | 1.9M | 3.4M | 3.4M |
| Maint. CapEx | 2.5M | 2.8M | 2.9M | 3.6M | 3.6M |
| Growth CapEx | 6.0M | 16K | 0 | 0 | 0 |
| D&A | 2.5M | 2.8M | 2.9M | 3.6M | 3.6M |
| CapEx/OCF | N/A | 5.4% | 4.5% | 5.6% | 5.6% |
| Capital Allocation | |||||
| Dividends Paid | 0 | 0 | 0 | 5.6M | 5.6M |
| Dividend Yield | N/A | N/A | N/A | 0.8% | 0.7% |
| Share Buybacks | 0 | 0 | 0 | 77M | 77M |
| Buyback Yield | N/A | N/A | N/A | 10.0% | 9.2% |
| Stock-Based Comp | N/A | 3.7M | 356K | 2.9M | 2.9M |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||
| Net Debt | N/A | N/A | N/A | N/A | -408M |
| Cash & Equiv. | 157M | 273M | 364M | 408M | 408M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A |
| Debt/Equity | 9.44 | 4.98 | 5.74 | 7.16 | 0.00 |
| Interest Coverage | N/A | N/A | N/A | N/A | 0.5 |
| Equity | 344M | 758M | 765M | 859M | 859M |
| Total Assets | 3.6B | 4.5B | 5.2B | 7.0B | 7.0B |
| Total Liabilities | 3.2B | 3.8B | 4.4B | 6.1B | 6.1B |
| Intangibles | N/A | N/A | 1.1M | 19M | 19M |
| Retained Earnings | 358M | 366M | 400M | 445M | 445M |
| Working Capital | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||
| EPS | N/A | 0.23 | 1.07 | 1.34 | 1.34 |
| Owner EPS | N/A | 1.09 | 1.01 | 1.45 | 1.45 |
| Book Value | N/A | 17.74 | 19.42 | 22.88 | 22.88 |
| Cash Flow/Share | N/A | 1.24 | 1.10 | 1.62 | 1.44 |
| Dividends/Share | N/A | N/A | N/A | 0.15 | 0.15 |
| Shares Out. | N/A | 42.7M | 39.4M | 37.5M | 37.5M |
| Valuation | |||||
| P/E Ratio | N/A | 59.2 | 17.0 | 15.3 | 16.7 |
| P/FCF | N/A | 11.6 | 17.3 | 13.4 | 14.7 |
| EV/EBIT | N/A | N/A | N/A | N/A | 6.1 |
| Price/Book | N/A | 0.8 | 0.9 | 0.9 | 1.0 |
| Price/Sales | N/A | 4.0 | 3.7 | 3.2 | 2.4 |
| FCF Yield | N/A | 8.6% | 5.8% | 7.4% | 6.8% |
| Market Cap | N/A | 582M | 715M | 771M | 842M |
| Avg. Price | N/A | 13.62 | 16.19 | 18.03 | 22.43 |
| Year-End Price | N/A | 13.62 | 18.15 | 20.54 | 22.43 |
NB Bancorp, Inc. passes 4 of 9 quality checks, suggesting mixed fundamentals.
NB Bancorp, Inc. trades at 16.7x trailing earnings, compared to its 15-year median P/E of 17.0x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 17.8x vs a median of 13.4x. The company's 5-year average ROIC is 5.6%. Total shareholder yield (dividends + buybacks) is 9.8%. At current prices, the estimated annualized return to fair value is +9.4%.
NB Bancorp, Inc. (NBBK) has a net profit margin of 14.3%. This is a healthy margin.
NB Bancorp, Inc. (NBBK) generated $57 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
NB Bancorp, Inc. (NBBK) has a debt-to-equity ratio of 7.16. This indicates higher leverage, which may increase financial risk.
NB Bancorp, Inc. (NBBK) reported earnings per share (EPS) of $1.34 in its most recent fiscal year.
NB Bancorp, Inc. (NBBK) has a return on equity (ROE) of 6.2%. This indicates moderate shareholder returns.
The Ledger Terminal provides 4 years of financial data for NB Bancorp, Inc. (NBBK), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
NB Bancorp, Inc. (NBBK) has a book value per share of $22.88, based on its most recent annual SEC filing.