NB Bancorp

NAQ:NBBK · US63945M1071

BanksSmall

360

Value57

Profit price28

Cash yield69

Sales & asset price68

Price/Sales64

EV / Gross Profit64

Price/Book75

Quality30

Returns on capital34

Profit margins—

Cash backing36

Cash Conversion73

Accruals11

Owner Earnings Margin24

Growth57

Sales growth83

Profit growth42

Profit Growth60

Owner Earnings Growth24

Reinvestment4

Price momentum72

Safety41

Debt load82

Debt serviceability37

Liquidity31

Sentiment60

Analyst ratings26

Expectations trend72

Opinion Changes50

Price Target Upside94

Market mood85

Value Creation13/20creating some value

Creates more value than its capital costs
Owner earnings growing
Owner earnings per share growing
Reinvests at strong returns
Solid earnings base

What this means

NB Bancorp clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA

IndustryBanks

SizeSmall

TypePublic Company

ExchangeNASDAQCM

Founded2023

Websitenbbancorp.com/overview/default.aspx

ISINUS63945M1071

Last UpdateApr 2, 2026

Indices

NASDAQ (USA)

Description

NB Bancorp, Inc. focuses on operating as a bank holding company for Needham Bank, which provides various banking products and services. Branch Locations The company has branch locations in Massachusetts, including Ashland, Boston (Mission Hill), De…

Analysis

Weak and unloved

NB Bancorp, Inc. scores below average on quality and is priced accordingly, a low-conviction position in either direction.

On valuation, the picture is fair. The owner-earnings multiple stands at 16.3×; owner earnings: the cash an owner could take out each year.

Growth is moderate; the safety picture is adequate. The company scores 13/20 on our value-creation score: creating some value.

Flags to be aware of: Some accounting patterns deserve a closer look. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250

2026

All-time high

Mar 2026

All-time low

Jun 2026

Average rank

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023

Price/Sales

—

Price/Earnings

—

Price/Book

—

Dividend Yield

—

Value (overall)

—

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View

1 · Watch OutGood· 100

Value

1 · ExpensiveGood Value· 100

Quality

1 · Weak FundamentalsHigh Quality· 100

Growth

1 · Tough TimesHigh Growth· 100

Safety

1 · High LeverageWell-Financed· 100

Sentiment

1 · SkepticismPositive· 100

Learn More →