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NB Bancorp, Inc.
(NASDAQ:NBBK)
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Rating:72Outperform
Price Target:
$25.00
â–²(11.46% Upside)
Action:Reiterated
Date:08/08/26
The score is driven primarily by improving financial performance (recovered profitability, strengthening leverage profile, and solid recent cash generation) and bullish technicals (price above key moving averages with positive momentum). Valuation is fair rather than deeply discounted, while recent corporate events add support via strong quarterly results and shareholder-friendly capital returns.
Positive Factors
Revenue and Profit Recovery
Meaningful revenue expansion and the rebound in profitability indicate stronger operating execution and business momentum. Sustaining these gains would improve internal capital generation and provide a stronger foundation for continued balance-sheet growth.
Negative Factors
Earnings Margin Volatility
The sharp historical swings in margins show that earnings remain sensitive to operating and interest-rate conditions. Such volatility makes it harder to establish a durable earnings base and raises the risk that recent profitability may not persist.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and Profit Recovery
Meaningful revenue expansion and the rebound in profitability indicate stronger operating execution and business momentum. Sustaining these gains would improve internal capital generation and provide a stronger foundation for continued balance-sheet growth.
Read all positive factors
NB Bancorp, Inc. (NBBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$938.24M
Dividend Yield1.22%
Average Volume (3M)288.40K
Price to Earnings (P/E)15.2
Beta (1Y)0.91
Revenue Growth28.35%
EPS Growth14.41%
CountryUS
Employees526
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.51
Shares Outstanding43,818,490
10 Day Avg. Volume343,499
30 Day Avg. Volume288,401
Financial Highlights & Ratios
PEG Ratio0.59
Price to Book (P/B)0.94
Price to Sales (P/S)2.55
P/FCF Ratio14.12
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$25.50Price Target Upside13.69% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)2.02
Revenue Forecast (FY)$297.16M
NB Bancorp, Inc. Business Overview & Revenue Model
Company Description
NB Bancorp, Inc. operates as a holding company whose subsidiary operates as a state-chartered bank. The company was founded in 1892 and is headquartered in Needham, MA....
How the Company Makes Money
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NB Bancorp, Inc. Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
71
Positive
Cash Flow
63
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 380.02M | 317.21M | 304.05M | 237.52M | 128.88M | 98.80M |
| Gross Profit | 214.57M | 174.27M | 160.61M | 133.19M | 106.64M | 84.12M |
| EBITDA | 87.81M | 71.71M | 61.58M | 14.67M | 38.86M | 29.73M |
| Net Income | 59.18M | 50.30M | 42.15M | 9.82M | 30.07M | 21.57M |
Balance Sheet | ||||||
| Total Assets | 7.45B | 7.01B | 5.16B | 4.53B | 3.59B | 2.92B |
| Cash, Cash Equivalents and Short-Term Investments | 672.79M | 594.67M | 305.09M | 279.95M | 376.55M | 716.93M |
| Total Debt | 181.25M | 196.24M | 120.83M | 283.34M | 293.08M | 256.00K |
| Total Liabilities | 6.60B | 6.15B | 4.39B | 3.78B | 3.25B | 2.60B |
| Stockholders Equity | 842.00M | 858.93M | 765.17M | 757.96M | 344.06M | 326.13M |
Cash Flow | ||||||
| Free Cash Flow | 82.95M | 57.38M | 41.25M | 50.03M | 31.22M | 42.04M |
| Operating Cash Flow | 85.31M | 60.79M | 43.19M | 52.90M | 39.71M | 43.84M |
| Investing Cash Flow | -806.92M | -519.05M | -546.44M | -831.62M | -667.99M | -41.94M |
| Financing Cash Flow | 862.80M | 502.00M | 594.52M | 894.77M | 317.77M | 242.43M |
NB Bancorp, Inc. Technical Analysis
Positive
22.43
Price Trends
21.47
Positive
20.98
Positive
20.62
Positive
Market Momentum
0.43
Positive
62.36
Neutral
57.57
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For NBBK, the sentiment is Positive. The current price of 22.43 is below the 20-day moving average (MA) of 22.59, above the 50-day MA of 21.47, and above the 200-day MA of 20.62, indicating a bullish trend. The MACD of 0.43 indicates Positive momentum. The RSI at 62.36 is Neutral, neither overbought nor oversold. The STOCH value of 57.57 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for NBBK.
NB Bancorp, Inc. Risk Analysis
NB Bancorp, Inc. disclosed 49 risk factors in its most recent earnings report. NB Bancorp, Inc. reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
NB Bancorp, Inc. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | $852.48M | 9.23 | 14.46% | 2.68% | -0.52% | 98.41% | |
78 Outperform | $936.44M | 15.47 | 11.44% | 4.62% | 5.32% | 16.00% | |
75 Outperform | $993.04M | 11.14 | 12.62% | 3.08% | 12.80% | 65.27% | |
75 Outperform | $850.46M | 11.03 | 14.12% | 2.87% | 0.24% | 12.12% | |
74 Outperform | $975.85M | 11.43 | 13.02% | 2.83% | 8.25% | 36.33% | |
72 Outperform | $938.24M | 15.17 | 7.21% | 1.25% | 28.35% | 14.41% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
NBBK
NB Bancorp, Inc.
22.91
5.02
28.10%
CAC
Camden National
58.38
20.96
56.00%
FCBC
First Community Bancshares
49.18
14.93
43.57%
THFF
First Financial Indiana
81.61
27.99
52.20%
ORRF
Orrstown Financial Services
43.03
10.76
33.36%
IBCP
Independent Bank
38.38
7.99
26.28%
NB Bancorp, Inc. Corporate Events
Business Operations and StrategyStock BuybackDividendsFinancial Disclosures
NB Bancorp Posts Strong Second-Quarter Earnings Growth
Positive
Jul 22, 2026
On July 22, 2026, NB Bancorp reported strong second-quarter 2026 results, with net income rising to $21.1 million, or $0.53 per diluted share, from $15.0 million, or $0.36 per share, in the prior quarter, supported by higher net interest margin an...
Business Operations and StrategyFinancial Disclosures
NB Bancorp Highlights Post-IPO Growth in Investor Presentation
Positive
May 21, 2026
On May 21, 2026, NB Bancorp, Inc., the parent of Needham Bank, released an investor slide presentation ahead of an in‑person meeting scheduled for June 2, 2026, detailing its post‑IPO expansion and financial performance. The materials ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.