ScoreWhy is NB Bancorp, Inc. ?
1
The company has declared Positive results for the last 5 consecutive quarters
- NII(Q) Highest at USD 58.75 MM
- OPERATING CASH FLOW(Y) Highest at USD 61.24 MM
- NET PROFIT(9M) Higher at USD 46.98 MM
2
With ROA of 0.84%, it has a fair valuation with a 1.11 Price to Book Value
- Over the past year, while the stock has generated a return of 8.05%, its profits have risen by 41.5% ; the PEG ratio of the company is 0.5
3
High Institutional Holdings at 44.38%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to NB Bancorp, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is NB Bancorp, Inc. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
NB Bancorp, Inc.
37.11%
1.47
27.15%
S&P 500
34.89%
0.62
19.30%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
23.40%
EBIT Growth (5y)
103.93%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
10.46%
Pledged Shares
0
Institutional Holding
44.38%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
16
Industry P/E
Price to Book Value
1.11
EV to EBIT
7.47
EV to EBITDA
7.29
EV to Capital Employed
1.18
EV to Sales
1.92
PEG Ratio
0.50
Dividend Yield
NA
ROCE (Latest)
15.75%
ROE (Latest)
6.94%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Dow Theory
No Trend
Bullish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
NII(Q)
Highest at USD 58.75 MM
OPERATING CASH FLOW(Y)
Highest at USD 61.24 MM
NET PROFIT(9M)
Higher at USD 46.98 MM
NET SALES(Q)
Highest at USD 97.36 MM
OPERATING PROFIT(Q)
Highest at USD 30.62 MM
OPERATING PROFIT MARGIN(Q)
Highest at 31.45 %
PRE-TAX PROFIT(Q)
Highest at USD 30.62 MM
-4What is not working for the Company
GROSS NPA (%)
(Q
CREDIT DEPOSIT RATIO(HY)
Lowest at 102.17%
EPS(Q)
Lowest at USD 0.19
Here's what is working for NB Bancorp, Inc.
NII
Highest at USD 58.75 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at USD 61.24 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 97.36 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 30.62 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 31.45 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 30.62 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Pre-Tax Profit
At USD 30.62 MM has Grown at 58.87%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Higher at USD 46.98 MM
than preceding 12 month period ended Dec 2025MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Profit (USD MM)
Here's what is not working for NB Bancorp, Inc.
Non Performing Loans (%)
Highest at 0.72%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
EPS
Lowest at USD 0.19
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
Credit Deposit Ratio
Lowest at 102.17%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
