NB Bancorp, Inc. Common Stock (NBBK) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
NB Bancorp, Inc. Common Stock stock (NBBK) is currently trading at $20.72. NB Bancorp, Inc. Common Stock PE ratio is 15.27. NB Bancorp, Inc. Common Stock PS ratio (Price-to-Sales) is 4.46. Analyst consensus price target for NBBK is $24.00. WallStSmart rates NBBK as Hold.
- NBBK PE ratio analysis and historical PE chart
- NBBK PS ratio (Price-to-Sales) history and trend
- NBBK intrinsic value — DCF, Graham Number, EPV models
- NBBK stock price prediction 2025 2026 2027 2028 2029 2030
- NBBK fair value vs current price
- NBBK insider transactions and insider buying
- Is NBBK undervalued or overvalued?
- NB Bancorp, Inc. Common Stock financial analysis — revenue, earnings, cash flow
- NBBK Piotroski F-Score and Altman Z-Score
- NBBK analyst price target and Smart Rating
NB Bancorp, Inc.
📊 No data available
Try selecting a different time range
NBBK Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · NB Bancorp, Inc. Common Stock (NBBK)
NBBK trades 137% above its Graham fair value of $9.11, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
NB Bancorp, Inc. Common Stock (NBBK) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Concerns around return on equity and eps growth. Fundamentals are solid but monitor weak areas for improvement.
NB Bancorp, Inc. Common Stock (NBBK) Key Strengths (4)
Keeps $49 of every $100 in revenue after operating costs
Revenue surging 40.30% year-over-year
Keeps $24 of every $100 in revenue as net profit
Trading at 1.09x book value, attractively priced
NB Bancorp, Inc. Common Stock (NBBK) Areas to Watch (5)
Earnings declining -52.50%, profits shrinking
Low profitability relative to shareholder equity
Premium valuation at 4.5x annual revenue
Small-cap company with higher risk but more growth potential
Moderate institutional interest at 49.73%
NB Bancorp, Inc. Common Stock (NBBK) Detailed Analysis Report
Overall Assessment
This company scores 56/100 in our Smart Analysis, earning a C grade. Out of 9 metrics analyzed, 4 register as strengths (avg 9.5/10) while 5 fall into concern territory (avg 3.6/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Revenue Growth, Profit Margin. Valuation metrics including Price/Book (1.09) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 48.70%, Profit Margin at 24.10%. Growth metrics are encouraging with Revenue Growth at 40.30%.
The Bear Case
The primary concerns are EPS Growth, Return on Equity, Price/Sales. Some valuation metrics including Price/Sales (4.46) suggest expensive pricing. Growth concerns include EPS Growth at -52.50%, which may limit upside. Profitability pressure is visible in Return on Equity at 6.19%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 6.19% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 40.30% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Revenue Growth) and negatives (EPS Growth, Return on Equity). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
NBBK Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
NBBK's Price-to-Sales ratio of 4.46x sits near its historical average of 4.65x (0th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 13% below its historical high of 5.15x set in Mar 2026, and 0% above its historical low of 4.46x in Mar 2026. Over the past 12 months, the PS ratio has compressed from ~5.2x as trailing revenue scaled faster than the stock price.
WallStSmart Analysis Synopsis
Data-driven financial summary for NB Bancorp, Inc. Common Stock (NBBK) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
NB Bancorp, Inc. Common Stock is a strong growth company balancing expansion with improving profitability. Revenue reached 209M with 40% growth year-over-year. Profit margins are strong at 24.1%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 40% YoY, reaching 209M. This pace significantly outperforms most BANKS - REGIONAL peers.
Profit margin of 24.1% and operating margin of 48.7% demonstrate strong pricing power and operational efficiency.
Free cash flow is -2M, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
Earnings fell 53% YoY while revenue grew 40%. This gap usually reflects one-time items (tax benefits, write-offs) in the prior period, not an operational decline.
What to Watch Next
Growth sustainability: can NB Bancorp, Inc. Common Stock maintain 40%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact NB Bancorp, Inc. Common Stock.
Bottom Line
NB Bancorp, Inc. Common Stock offers an attractive blend of growth (40% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
Data sourced from SEC Form 4 filings
Last updated: 10:11:33 AM
About NB Bancorp, Inc. Common Stock(NBBK)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
NB Bancorp, Inc. is a dynamic financial holding company headquartered in the Northeastern United States, primarily focused on delivering comprehensive commercial banking services through its subsidiary, Northbridge Bank. The company specializes in serving small to medium-sized businesses and individual clients, offering an extensive range of banking products, including loans, deposits, and treasury management solutions. With a commitment to community-oriented banking, NB Bancorp emphasizes local market expertise to foster robust client relationships and enhance customer satisfaction. As it navigates the competitive financial landscape, the company's strategic initiatives are aimed at operational efficiency and asset growth, positioning it for sustainable long-term shareholder value.