No significant weaknesses identified
| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| DCOMDime Community Bancshares, Inc. | 1.37B | 31.13 | 56.60 | 0.1% | 4.5% | 4.02% | 6.79% | 0.70 |
| EBCEastern Bankshares, Inc. | 4.4B | 19.56 | 29.64 | 91.64% | 11.17% | 1.3% | 6.14% | 0.01 |
| LYGLloyds Banking Group plc | 80.5B | 5.48 | 21.92 | 10.79% | 11.75% | 9.93% | 1.76 | |
| CFGCitizens Financial Group, Inc. | 26.03B | 60.61 | 20.00 | 1.31% | 12.22% | 6.6% | 7.22% | 0.51 |
| PFSProvident Financial Services, Inc. | 2.65B | 20.29 | 19.32 | 63.91% | 10.13% | 7.51% | 16.04% | 0.93 |
| CBUCommunity Bank System, Inc. | 3.3B | 62.73 | 18.24 | 24.44% | 19.4% | 10.34% | 6.71% | 0.57 |
| VLYValley National Bancorp | 6.7B | 12.02 | 17.42 | 6.51% | 10.65% | 6.53% | 8.18% | 0.50 |
| INDBIndependent Bank Corp. | 3.8B | 76.62 | 16.95 | 6.89% | 19.72% | 7.76% | 5.51% | 0.23 |
| Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|
| Net Interest Income | 78.01M | 105.47M | 131.72M | 161.2M |
| NII Growth % | - | 0.35% | 0.25% | 0.22% |
| Net Interest Margin % | - | - | - | - |
| Interest Income | 90.64M | 121.02M | 222.16M | 292.52M |
| Interest Expense | 12.63M | 15.55M | 90.44M | 131.32M |
| Loan Loss Provision | 2.05M | 6.7M | 13.88M | 12.12M |
| Non-Interest Income | 8.16M | 7.87M | 15.35M | 11.53M |
| Non-Interest Income % | - | - | - | - |
| Total Revenue | 98.8M | 128.88M | 237.52M | 304.05M |
| Revenue Growth % | - | 0.3% | 0.84% | 0.28% |
| Non-Interest Expense | 56.49M | 70.25M | 121.34M | 101.99M |
| Efficiency Ratio | - | - | - | - |
| Operating Income | 27.63M | 36.39M | 11.84M | 58.62M |
| Operating Margin % | - | - | - | - |
| Operating Income Growth % | - | 0.32% | -0.67% | 3.95% |
| Pretax Income | 27.63M | 36.39M | 11.84M | 58.62M |
| Pretax Margin % | - | - | - | - |
| Income Tax | 6.06M | 6.32M | 2.02M | 16.47M |
| Effective Tax Rate % | - | - | - | - |
| Net Income | 21.57M | 30.07M | 9.82M | 42.15M |
| Net Margin % | - | - | - | - |
| Net Income Growth % | - | 0.39% | -0.67% | 3.29% |
| Net Income (Continuing) | 21.57M | 30.07M | 9.82M | 42.15M |
| EPS (Diluted) | 0.51 | 0.70 | 0.23 | 1.07 |
| EPS Growth % | - | 0.37% | -0.67% | 3.65% |
| EPS (Basic) | 0.51 | 0.70 | 0.23 | 1.07 |
| Diluted Shares Outstanding | 42.71M | 42.71M | 42.02M | 39.39M |
| Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|
| Cash & Short Term Investments | 1000K | 1000K | 1000K | 1000K |
| Cash & Due from Banks | 457.18M | 131.07M | 90.48M | 211.17M |
| Short Term Investments | 1000K | 1000K | 1000K | 1000K |
| Total Investments | 2.35B | 3.25B | 4.09B | 4.55B |
| Investments Growth % | - | 0.38% | 0.26% | 0.11% |
| Long-Term Investments | 2.09B | 3B | 3.9B | 4.45B |
| Accounts Receivables | 1000K | 1000K | 1000K | 1000K |
| Goodwill & Intangibles | - | - | - | - |
| Goodwill | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 |
| PP&E (Net) | 29.21M | 35.34M | 35.53M | 34.65M |
| Other Assets | 45.54M | 95.9M | 285.71M | 314.96M |
| Total Current Assets | 750.92M | 448.69M | 297.23M | 324.77M |
| Total Non-Current Assets | 2.17B | 3.14B | 4.24B | 4.83B |
| Total Assets | 2.92B | 3.59B | 4.53B | 5.16B |
| Asset Growth % | - | 0.23% | 0.26% | 0.14% |
| Return on Assets (ROA) | 0.01% | 0.01% | 0% | 0.01% |
| Accounts Payable | 0 | 0 | 0 | 0 |
| Total Debt | 256K | 293.08M | 283.34M | 120.83M |
| Net Debt | -456.93M | 162.01M | 192.85M | -90.33M |
| Long-Term Debt | 256K | 293.08M | 283.34M | 20.84M |
| Short-Term Debt | 0 | 0 | 0 | 100M |
| Other Liabilities | 7.89M | 11.98M | 19.21M | 89.53M |
| Total Current Liabilities | 2.59B | 2.94B | 3.47B | 4.28B |
| Total Non-Current Liabilities | 8.15M | 305.06M | 302.55M | 110.37M |
| Total Liabilities | 2.6B | 3.25B | 3.78B | 4.39B |
| Total Equity | 326.13M | 344.06M | 757.96M | 765.17M |
| Equity Growth % | - | 0.05% | 1.2% | 0.01% |
| Equity / Assets (Capital Ratio) | - | - | - | - |
| Return on Equity (ROE) | 0.07% | 0.09% | 0.02% | 0.06% |
| Book Value per Share | 7.64 | 8.06 | 18.04 | 19.43 |
| Tangible BV per Share | - | - | - | - |
| Common Stock | 0 | 0 | 427K | 427K |
| Additional Paid-in Capital | 0 | 0 | 417.03M | 417.25M |
| Retained Earnings | 328.4M | 358.47M | 366.17M | 400.47M |
| Accumulated OCI | -2.27M | -14.4M | -11.9M | -8.17M |
| Treasury Stock | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 |
| Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|
| Cash from Operations | 43.84M | 39.71M | 52.96M | 43.19M |
| Operating CF Growth % | - | -0.09% | 0.33% | -0.18% |
| Net Income | 21.57M | 30.07M | 9.82M | 42.15M |
| Depreciation & Amortization | 2.1M | 2.47M | 2.85M | 2.96M |
| Deferred Taxes | 533K | -1.25M | -7.72M | -10.26M |
| Other Non-Cash Items | 3.85M | 7.57M | 16.69M | 22.41M |
| Working Capital Changes | 15.79M | 860K | 31.31M | -16.88M |
| Cash from Investing | -41.94M | -667.99M | -831.62M | -546.44M |
| Purchase of Investments | -180.44M | -191.76M | -50.31M | -142.99M |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K |
| Net Investment Activity | - | - | - | - |
| Acquisitions | 0 | 297.67M | 0 | 0 |
| Other Investing | 67.42M | -936M | -882.04M | -513.3M |
| Cash from Financing | 242.43M | 317.77M | 894.71M | 594.52M |
| Dividends Paid | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | -33.4M |
| Stock Issued | 0 | 0 | 417.46M | -225K |
| Net Stock Activity | - | - | - | - |
| Debt Issuance (Net) | -1000K | 1000K | -1000K | -1000K |
| Other Financing | 362.54M | 24.95M | 487.06M | 790.64M |
| Net Change in Cash | 244.33M | -310.5M | 116.05M | 91.26M |
| Exchange Rate Effect | 0 | 0 | 0 | 0 |
| Cash at Beginning | 222.72M | 467.05M | 156.54M | 272.59M |
| Cash at End | 467.05M | 156.54M | 272.59M | 363.86M |
| Interest Paid | 0 | 6.58M | 88.75M | 128.35M |
| Income Taxes Paid | 0 | 8.56M | 4.79M | 13.09M |
| Free Cash Flow | 42.04M | 31.22M | 50.09M | 41.25M |
| FCF Growth % | - | -0.26% | 0.6% | -0.18% |
| Metric | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Return on Equity (ROE) | 6.62% | 8.97% | 1.78% | 5.53% |
| Return on Assets (ROA) | 0.74% | 0.92% | 0.24% | 0.87% |
| Net Interest Margin | 2.67% | 2.94% | 2.91% | 3.13% |
| Efficiency Ratio | 57.17% | 54.51% | 51.09% | 33.54% |
| Equity / Assets | 11.16% | 9.58% | 16.72% | 14.84% |
| Book Value / Share | 7.64 | 8.06 | 18.04 | 19.43 |
| NII Growth | - | 35.2% | 24.89% | 22.38% |
| 2023 | 2024 | |
|---|---|---|
| Product and Service, Other | 6.07M | 5.19M |
| Product and Service, Other Growth | - | -14.41% |
NB Bancorp, Inc. Common Stock (NBBK) has a price-to-earnings (P/E) ratio of 18.9x. This is roughly in line with market averages.
NB Bancorp, Inc. Common Stock (NBBK) grew revenue by 28.0% over the past year. This is strong growth.
Yes, NB Bancorp, Inc. Common Stock (NBBK) is profitable, generating $58.2M in net income for fiscal year 2024 (13.9% net margin).
NB Bancorp, Inc. Common Stock (NBBK) has a return on equity (ROE) of 5.5%. This is below average, suggesting room for improvement.
NB Bancorp, Inc. Common Stock (NBBK) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.
NB Bancorp, Inc. Common Stock (NBBK) has an efficiency ratio of 33.5%. This is excellent, indicating strong cost control.