NBBK
NB Bancorp, Inc. Common Stock
Banks - Regional
Market Cap$772M
5Y Perf.+51.2%
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Stock Comparison
NBBK vs EGBN
Revenue, margins, valuation, and 5-year total return — side by side.
EGBN
Eagle Bancorp, Inc.
Banks - Regional
Market Cap$799M
5Y Perf.-13.0%
NBBK vs EGBN — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | NBBK | EGBN |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $772M | $799M |
| Revenue (TTM) | $317M | $634M |
| Net Income (TTM) | $50M | $-128M |
| Gross Margin | 54.9% | 3.2% |
| Operating Margin | 22.4% | -26.9% |
| Forward P/E | 10.4x | 15.7x |
| Total Debt | $196M | $147M |
| Cash & Equiv. | $326M | $12M |
NBBK vs EGBN — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
NBBK
EGBN
| Stock | Dec 23 | May 26 | Return |
|---|---|---|---|
| NB Bancorp, Inc. Co… (NBBK) | 100 | 151.2 | +51.2% |
| Eagle Bancorp, Inc. (EGBN) | 100 | 87.0 | -13.0% |
Price return only. Dividends and distributions are not included.
Quick Verdict: NBBK vs EGBN
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: NBBK leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. Eagle Bancorp, Inc. is the stronger pick specifically for profitability and margin quality and recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
NBBK
NB Bancorp, Inc. Common Stock
The Banking Pick
NBBK carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 1 yrs, beta 0.72, yield 0.7%
- Rev growth 4.3%, EPS growth 25.2%
- 49.7% 10Y total return vs EGBN's -31.7%
Best for: income & stability and growth exposure
EGBN
Eagle Bancorp, Inc.
The Banking Pick
EGBN is the clearest fit if your priority is quality and momentum.
- Efficiency ratio 0.3% vs NBBK's 0.3% (lower = leaner)
- +46.7% vs NBBK's +18.4%
- Efficiency ratio 0.3% vs NBBK's 0.3%
Best for: quality and momentum
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | NBBK | 4.3% NII/revenue growth vs EGBN's -10.4% |
| Value | NBBK | Lower P/E (10.4x vs 15.7x) |
| Quality / Margins | EGBN | Efficiency ratio 0.3% vs NBBK's 0.3% (lower = leaner) |
| Stability / Safety | NBBK | Beta 0.72 vs EGBN's 1.21 |
| Dividends | NBBK | 0.7% yield, 1-year raise streak, vs EGBN's 1.9% |
| Momentum (1Y) | EGBN | +46.7% vs NBBK's +18.4% |
| Efficiency (ROA) | EGBN | Efficiency ratio 0.3% vs NBBK's 0.3% |
NBBK vs EGBN — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
Segment breakdown not available.
NBBK vs EGBN — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLNBBKLAGGINGEGBN
EGBNEagle Bancorp, Inc.
1leads
NBBKNB Bancorp, Inc. Comm…
3leads
6 Total Categories
CATEGORYLEADERvs EGBNMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
NBBK4/5
Valuation MetricsMultiples, price ratios, and targets
EGBN3/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
NBBK7/9
Total Returns1Y, 3Y, 5Y total returns with dividends
NBBK4/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
NBBK leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
EGBN is the larger business by revenue, generating $634M annually — 2.0x NBBK's $317M. NBBK is the more profitable business, keeping 15.9% of every revenue dollar as net income compared to EGBN's -20.2%.
| Metric | NBBKNB Bancorp, Inc. … | EGBNEagle Bancorp, In… |
|---|---|---|
| RevenueTrailing 12 months | $317M | $634M |
| EBITDAEarnings before interest/tax | $76M | -$168M |
| Net IncomeAfter-tax profit | $50M | -$128M |
| Free Cash FlowCash after capex | $58M | -$6M |
| Gross MarginGross profit ÷ Revenue | +54.9% | +3.2% |
| Operating MarginEBIT ÷ Revenue | +22.4% | -26.9% |
| Net MarginNet income ÷ Revenue | +15.9% | -20.2% |
| FCF MarginFCF ÷ Revenue | +18.1% | +3.3% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -52.5% | -50.0% |
NBBK leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
EGBN leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
| Metric | NBBKNB Bancorp, Inc. … | EGBNEagle Bancorp, In… |
|---|---|---|
| Market CapShares × price | $772M | $799M |
| Enterprise ValueMkt cap + debt − cash | $642M | $935M |
| Trailing P/EPrice ÷ TTM EPS | 15.17x | -6.23x |
| Forward P/EPrice ÷ next-FY EPS est. | 10.37x | 15.73x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 8.96x | — |
| Price / SalesMarket cap ÷ Revenue | 2.43x | 1.26x |
| Price / BookPrice ÷ Book value/share | 0.97x | 0.69x |
| Price / FCFMarket cap ÷ FCF | 13.45x | 38.50x |
EGBN leads this category, winning 3 of 5 comparable metrics.
Profitability & Efficiency
NBBK leads this category, winning 7 of 9 comparable metrics.
Profitability & Efficiency
NBBK delivers a 6.5% return on equity — every $100 of shareholder capital generates $7 in annual profit, vs $-11 for EGBN. EGBN carries lower financial leverage with a 0.13x debt-to-equity ratio, signaling a more conservative balance sheet compared to NBBK's 0.23x. On the Piotroski fundamental quality scale (0–9), NBBK scores 5/9 vs EGBN's 4/9, reflecting solid financial health.
| Metric | NBBKNB Bancorp, Inc. … | EGBNEagle Bancorp, In… |
|---|---|---|
| ROE (TTM)Return on equity | +6.5% | -10.9% |
| ROA (TTM)Return on assets | +0.9% | -1.2% |
| ROICReturn on invested capital | +5.5% | -8.2% |
| ROCEReturn on capital employed | +1.8% | -2.9% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 4 |
| Debt / EquityFinancial leverage | 0.23x | 0.13x |
| Net DebtTotal debt minus cash | -$129M | $135M |
| Cash & Equiv.Liquid assets | $326M | $12M |
| Total DebtShort + long-term debt | $196M | $147M |
| Interest CoverageEBIT ÷ Interest expense | 0.51x | -0.51x |
NBBK leads this category, winning 7 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
NBBK leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in NBBK five years ago would be worth $14,969 today (with dividends reinvested), compared to $5,901 for EGBN. Over the past 12 months, EGBN leads with a +46.7% total return vs NBBK's +18.4%. The 3-year compound annual growth rate (CAGR) favors NBBK at 14.4% vs EGBN's 13.7% — a key indicator of consistent wealth creation.
| Metric | NBBKNB Bancorp, Inc. … | EGBNEagle Bancorp, In… |
|---|---|---|
| YTD ReturnYear-to-date | +4.8% | +25.8% |
| 1-Year ReturnPast 12 months | +18.4% | +46.7% |
| 3-Year ReturnCumulative with dividends | +49.7% | +47.1% |
| 5-Year ReturnCumulative with dividends | +49.7% | -41.0% |
| 10-Year ReturnCumulative with dividends | +49.7% | -31.7% |
| CAGR (3Y)Annualised 3-year return | +14.4% | +13.7% |
NBBK leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
Evenly matched — NBBK and EGBN each lead in 1 of 2 comparable metrics.
Risk & Volatility
NBBK is the less volatile stock with a 0.72 beta — it tends to amplify market swings less than EGBN's 1.21 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | NBBKNB Bancorp, Inc. … | EGBNEagle Bancorp, In… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.72x | 1.21x |
| 52-Week HighHighest price in past year | $22.86 | $29.26 |
| 52-Week LowLowest price in past year | $15.44 | $15.03 |
| % of 52W HighCurrent price vs 52-week peak | +88.9% | +89.6% |
| RSI (14)Momentum oscillator 0–100 | 46.7 | 53.5 |
| Avg Volume (50D)Average daily shares traded | 328K | 281K |
Evenly matched — NBBK and EGBN each lead in 1 of 2 comparable metrics.
Analyst Outlook
Evenly matched — NBBK and EGBN each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates NBBK as "Buy" and EGBN as "Hold". Consensus price targets imply 18.0% upside for NBBK (target: $24) vs 9.4% for EGBN (target: $29). For income investors, EGBN offers the higher dividend yield at 1.93% vs NBBK's 0.67%.
| Metric | NBBKNB Bancorp, Inc. … | EGBNEagle Bancorp, In… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | $24.00 | $28.67 |
| # AnalystsCovering analysts | 1 | 14 |
| Dividend YieldAnnual dividend ÷ price | +0.7% | +1.9% |
| Dividend StreakConsecutive years of raises | 1 | 0 |
| Dividend / ShareAnnual DPS | $0.14 | $0.51 |
| Buyback YieldShare repurchases ÷ mkt cap | +10.0% | 0.0% |
Evenly matched — NBBK and EGBN each lead in 1 of 2 comparable metrics.
Key Takeaway
NBBK leads in 3 of 6 categories (Income & Cash Flow, Profitability & Efficiency). EGBN leads in 1 (Valuation Metrics). 2 tied.
Best OverallNB Bancorp, Inc. Common Sto… (NBBK)Leads 3 of 6 categories
Loading custom metrics...
NBBK vs EGBN: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is NBBK or EGBN a better buy right now?
For growth investors, NB Bancorp, Inc.
Common Stock (NBBK) is the stronger pick with 4. 3% revenue growth year-over-year, versus -10. 4% for Eagle Bancorp, Inc. (EGBN). NB Bancorp, Inc. Common Stock (NBBK) offers the better valuation at 15. 2x trailing P/E (10. 4x forward), making it the more compelling value choice. Analysts rate NB Bancorp, Inc. Common Stock (NBBK) a "Buy" — based on 1 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — NBBK or EGBN?
On forward P/E, NB Bancorp, Inc.
Common Stock is actually cheaper at 10. 4x.
03Which is the better long-term investment — NBBK or EGBN?
Over the past 5 years, NB Bancorp, Inc.
Common Stock (NBBK) delivered a total return of +49. 7%, compared to -41. 0% for Eagle Bancorp, Inc. (EGBN). Over 10 years, the gap is even starker: NBBK returned +49. 7% versus EGBN's -31. 7%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — NBBK or EGBN?
By beta (market sensitivity over 5 years), NB Bancorp, Inc.
Common Stock (NBBK) is the lower-risk stock at 0. 72β versus Eagle Bancorp, Inc. 's 1. 21β — meaning EGBN is approximately 68% more volatile than NBBK relative to the S&P 500. On balance sheet safety, Eagle Bancorp, Inc. (EGBN) carries a lower debt/equity ratio of 13% versus 23% for NB Bancorp, Inc. Common Stock — giving it more financial flexibility in a downturn.
05Which is growing faster — NBBK or EGBN?
By revenue growth (latest reported year), NB Bancorp, Inc.
Common Stock (NBBK) is pulling ahead at 4. 3% versus -10. 4% for Eagle Bancorp, Inc. (EGBN). On earnings-per-share growth, the picture is similar: NB Bancorp, Inc. Common Stock grew EPS 25. 2% year-over-year, compared to -169. 9% for Eagle Bancorp, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — NBBK or EGBN?
NB Bancorp, Inc.
Common Stock (NBBK) is the more profitable company, earning 15. 9% net margin versus -20. 2% for Eagle Bancorp, Inc. — meaning it keeps 15. 9% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: NBBK leads at 22. 4% versus -26. 9% for EGBN. At the gross margin level — before operating expenses — NBBK leads at 54. 9%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is NBBK or EGBN more undervalued right now?
On forward earnings alone, NB Bancorp, Inc.
Common Stock (NBBK) trades at 10. 4x forward P/E versus 15. 7x for Eagle Bancorp, Inc. — 5. 4x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for NBBK: 18. 0% to $24. 00.
08Which pays a better dividend — NBBK or EGBN?
All stocks in this comparison pay dividends.
Eagle Bancorp, Inc. (EGBN) offers the highest yield at 1. 9%, versus 0. 7% for NB Bancorp, Inc. Common Stock (NBBK).
09Is NBBK or EGBN better for a retirement portfolio?
For long-horizon retirement investors, NB Bancorp, Inc.
Common Stock (NBBK) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 72), 0. 7% yield). Both have compounded well over 10 years (NBBK: +49. 7%, EGBN: -31. 7%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between NBBK and EGBN?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: NBBK is a small-cap deep-value stock; EGBN is a small-cap quality compounder stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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