ScoreWhy is NB Bancorp, Inc. ?
1
With a growth in Interest of NAN%, the company declared Very Positive results in Mar 26
- The company has declared positive results for the last 9 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 78.18 MM
- NII(Q) Highest at USD 64.87 MM
- NET SALES(Q) Highest at USD 105.69 MM
2
With ROA of 0.50%, it has a fair valuation with a 1.08 Price to Book Value
- Over the past year, while the stock has generated a return of 21.51%, its profits have risen by 41.5% ; the PEG ratio of the company is 0.5
3
High Institutional Holdings at 60.88%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 8.27% over the previous quarter.
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?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
NB Bancorp, Inc.
25.61%
1.95
27.50%
S&P 500
16.26%
1.21
13.22%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
40.71%
EBIT Growth (5y)
30.74%
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
10.47%
Pledged Shares
0
Institutional Holding
52.61%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
16
Industry P/E
Price to Book Value
1.08
EV to EBIT
7.05
EV to EBITDA
6.77
EV to Capital Employed
1.14
EV to Sales
1.78
PEG Ratio
0.49
Dividend Yield
NA
ROCE (Latest)
16.10%
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 Trend13What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 78.18 MM
NII(Q)
Highest at USD 64.87 MM
NET SALES(Q)
Highest at USD 105.69 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 19.35%
DIVIDEND PER SHARE(HY)
Highest at USD 0
-2What is not working for the Company
CREDIT DEPOSIT RATIO(HY)
Lowest at 101.77%
OPERATING PROFIT MARGIN(Q)
Lowest at 19.76 %
Here's what is working for NB Bancorp, Inc.
NII
Highest at USD 64.87 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 78.18 MM and Grown
In each year 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 105.69 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Net Sales
At USD 105.69 MM has Grown at 37.52%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Dividend Payout Ratio
Highest at 19.35%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Here's what is not working for NB Bancorp, Inc.
Operating Profit Margin
Lowest at 19.76 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Credit Deposit Ratio
Lowest at 101.77%
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
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