NBBK Financial Services

NB Bancorp, Inc.

$22.29-1.02%

Price as of close on Nov 3, 2026 · Financials updated Sep 30, 2026

Basics

Sector: Financial Services
Industry: Banks - Regional
Country: United States
Market cap: 976.7M USD
Full-time employees: 526

Overall health

Drawback: less profitable than most peersless profitable than peers
Drawback: growing more slowly than most peersgrowing more slowly than peers
Drawback: its shares are priced higher than most peers relative to what it earnspriced higher than peers for its earnings

Ranks #690 of 791 banks & insurance companies (bottom 13%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Fast revenue growth. Revenue grew 23% in the 12 months to June 2026 vs the 12 months before, faster than 81% of peers.
Revenue grew 23% in the 12 months to June 2026 vs the 12 months before, faster than 81% of its peers.

StockQuotient Score

31/ 100

Oct 5 33 → Nov 4 31 (-2)

Valuation

Is the price right?

36/100

Weak

2/2 inputs reported · High confidence

Since last quarter: No major changeValuation also moves with the share price every day.

Why

Weaker than most peers on:

▼ Earnings yield

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield86.2%

SEC filings · latest balance sheetReported value40% base weight · Z-score 0.24Sector median: 0.7950 · MAD: 0.2843

Earnings yield6.1%

SEC filings · 12 months to Jun 2026Reported value60% base weight · Z-score -0.73Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yieldUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yield8.0%

SEC filings · 12 months to Jun 2026 · operating cash flow − capital spendingReported valueInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

34/100

Weak

1/1 inputs reported · High confidence

Since last quarter: No major change

Why

Weaker than most peers on:

▼ EPS growth

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growth5.0%

SEC filings · 12 months to Jun 2026Reported value100% base weight · Z-score -0.62Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growth23.5%

Yahoo Finance fallback · SEC figure unavailable or out of date · 3 fiscal years to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growth23.0%

Yahoo Finance fallback · SEC figure unavailable or out of date · fiscal year to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

24/100

Weak

2/2 inputs reported · High confidence

Since last quarter: No major change

Why

Weaker than most peers on:

▼ ROE
▼ ROA

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets0.8%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score -0.61Sector median: 0.0117 · MAD: 0.0062

Return on equity7.0%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score -0.96Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about NB Bancorp

Is NB Bancorp getting weaker?: Its latest SEC filing (Aug 7, 2026) showed no major changes. Its overall score is unchanged at 31/100 since Oct 28, 2026.
How is NB Bancorp valued vs its peers?: Priced higher than most peers relative to what it earns. Valuation scores 36/100 against 950 banks & insurance peers. Earnings yield 6.1% vs a peer median of 7.9% (weaker than 70% of peers).Earnings yield 6.1% vs peers 7.9% (weaker than 70% of peers).
Is NB Bancorp growing?: More slowly than most of its peers. Growth scores 34/100 against 950 banks & insurance peers. Earnings per share growth 5.0% vs a peer median of 16.0% (weaker than 66% of peers).Earnings per share growth 5.0% vs peers 16.0% (weaker than 66% of peers).
How profitable is NB Bancorp?: Less profitable than most of its peers. Profitability scores 24/100 against 950 banks & insurance peers. Return on equity 7.0% vs a peer median of 10.7% (weaker than 75% of peers).Return on equity 7.0% vs peers 10.7% (weaker than 75% of peers).
How risky is NB Bancorp?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Latest filing: what changed

Quarter ended Jun 30, 2026 · filed Aug 7, 2026 · compared with the quarter ended Mar 31, 2026

No major changes

	Previous quarter	Latest quarter	Change
Net income (12 months)	52.6M USD	59.2M USD	+12.4%
Free cash flow (12 months)	72.8M USD	78.0M USD	+7.1%
Cash	375.4M USD	400.2M USD	+6.6%
Shares outstanding	44.7M	43.8M	−2.0%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Industry valuation context

Industry: Banks - Regional · 119 companies

Valuations in Banks - Regional are within their usual range since 2016.

45% of months since 2016 were valued lower than now.
14% of companies are in the most expensive fifth of their own price-to-book history.
Over 24 months, company values +29% and earnings +32% (medians): prices and earnings moved broadly together.
Median price-to-book is −61% vs the whole market, against a usual −59%.

2016Shaded: most expensive fifth of its range2026

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY 2022	FY 2023	FY 2024	FY 2025	Change
Return on assets (ROA)	0.8%	0.2%	0.8%	0.7%	▼ 0.1 pts
Return on equity (ROE)	8.7%	1.3%	5.5%	5.9%	▲ 0.3 pts

NBBK price history

Price history is added with the daily price update and will appear after the next one.

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Bringing the fundamentals into focus…

Overall health

Drawback: less profitable than most peersless profitable than peers

Drawback: growing more slowly than most peersgrowing more slowly than peers

Drawback: its shares are priced higher than most peers relative to what it earnspriced higher than peers for its earnings

Ranks #690 of 791 banks & insurance companies (bottom 13%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Questions investors ask about NB Bancorp

Is NB Bancorp getting weaker?

Its latest SEC filing (Aug 7, 2026) showed no major changes. Its overall score is unchanged at 31/100 since Oct 28, 2026.

How is NB Bancorp valued vs its peers?

Priced higher than most peers relative to what it earns. Valuation scores 36/100 against 950 banks & insurance peers. Earnings yield 6.1% vs a peer median of 7.9% (weaker than 70% of peers).Earnings yield 6.1% vs peers 7.9% (weaker than 70% of peers).

Is NB Bancorp growing?

More slowly than most of its peers. Growth scores 34/100 against 950 banks & insurance peers. Earnings per share growth 5.0% vs a peer median of 16.0% (weaker than 66% of peers).Earnings per share growth 5.0% vs peers 16.0% (weaker than 66% of peers).

How profitable is NB Bancorp?

Less profitable than most of its peers. Profitability scores 24/100 against 950 banks & insurance peers. Return on equity 7.0% vs a peer median of 10.7% (weaker than 75% of peers).Return on equity 7.0% vs peers 10.7% (weaker than 75% of peers).

How risky is NB Bancorp?

Not rated for banks and insurers: debt and share-price swings say little about their risk.

Previous quarter

Latest quarter

Change

Net income (12 months)

52.6M USD

59.2M USD

+12.4%

Free cash flow (12 months)

72.8M USD

78.0M USD

+7.1%

Cash

375.4M USD

400.2M USD

+6.6%

Shares outstanding

44.7M

43.8M

−2.0%

Key ratios

FY 2022

FY 2023

FY 2024

FY 2025

Change

Return on assets (ROA)

0.8%

0.2%

0.8%

0.7%

▼ 0.1 pts

Return on equity (ROE)

8.7%

1.3%

5.5%

5.9%

▲ 0.3 pts