NB Bancorp, Inc. Common Stock (NBBK) Financial Ratios
5 years of historical data (2021–2025) · Financial Services · Banks - Regional
EV/EBITDA
↓
8.96
↓-62% vs avg
5yr avg: 23.78
30Y Low9.6·High51.7
P/FCF
↑
13.45
-6% vs avg
5yr avg: 14.25
30Y Low11.3·High17.2
P/B Ratio
↑
0.97
+11% vs avg
5yr avg: 0.88
30Y Low0.7·High1.0
ROE
↓
6.2%
↓+6% vs avg
5yr avg: 5.8%
30Y Low2%·High9%
Debt/EBITDA
↑
2.74
↓-57% vs avg
5yr avg: 6.31
30Y Low0.0·High19.3
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
NBBK Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
NB Bancorp, Inc. Common Stock trades at 15.2x earnings, 50% below its 5-year average of 30.0x, sitting at the 33rd percentile of its historical range. Compared to the Financial Services sector median P/E of 13.1x, the stock trades at a premium of 15%. On a free-cash-flow basis, the stock trades at 13.5x P/FCF, 6% below the 5-year average of 14.3x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Market Cap | $772M | $816M | $711M | $565M | — | — |
| Enterprise Value | $642M | $687M | $621M | $758M | — | — |
| P/E Ratio → | 15.17 | 14.79 | 16.88 | 58.48 | — | — |
| P/S Ratio | 2.43 | 2.57 | 2.34 | 2.38 | — | — |
| P/B Ratio | 0.97 | 0.95 | 0.93 | 0.75 | — | — |
| P/FCF | 13.45 | 14.22 | 17.25 | 11.30 | — | — |
| P/OCF | 12.70 | 13.42 | 16.47 | 10.68 | — | — |
P/E links to full P/E history page with 30-year chart
NBBK EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
NB Bancorp, Inc. Common Stock's enterprise value stands at 9.0x EBITDA, 62% below its 5-year average of 23.8x. The Financial Services sector median is 11.5x, placing the stock at a 22% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.16 | 2.04 | 3.19 | — | — |
| EV / EBITDA | 8.96 | 9.57 | 10.08 | 51.67 | — | — |
| EV / EBIT | 9.03 | 9.65 | 10.59 | 64.00 | — | — |
| EV / FCF | — | 11.97 | 15.06 | 15.15 | — | — |
NBBK Profitability
Margins and return-on-capital ratios measuring operating efficiency
NB Bancorp, Inc. Common Stock earns an operating margin of 22.4%, roughly in line with the Financial Services sector average. Operating margins have expanded from 5.0% to 22.4% over the past 3 years, signaling improving operational efficiency. ROE of 6.2% is modest, trailing the sector median of 9.4%. ROIC of 5.5% represents adequate returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Gross Margin | 54.9% | 54.9% | 52.8% | 56.1% | 82.7% | 85.1% |
| Operating Margin | 22.4% | 22.4% | 19.3% | 5.0% | 28.2% | 28.0% |
| Net Profit Margin | 15.9% | 15.9% | 13.9% | 4.1% | 23.3% | 21.8% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| ROE | 6.2% | 6.2% | 5.5% | 1.8% | 9.0% | 6.6% |
| ROA | 0.8% | 0.8% | 0.9% | 0.2% | 0.9% | 0.7% |
| ROIC | 5.5% | 5.5% | 4.6% | 1.1% | 5.7% | 6.3% |
| ROCE | 1.8% | 1.8% | 6.1% | 1.4% | 7.4% | 8.3% |
NBBK Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
NB Bancorp, Inc. Common Stock carries a Debt/EBITDA ratio of 2.7x, which is moderately leveraged (34% below the sector average of 4.1x). The company holds a net cash position — cash of $326M exceeds total debt of $196M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of just 0.5x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Debt / Equity | 0.23 | 0.23 | 0.16 | 0.37 | 0.85 | 0.00 |
| Debt / EBITDA | 2.74 | 2.74 | 1.96 | 19.31 | 7.54 | 0.01 |
| Net Debt / Equity | — | -0.15 | -0.12 | 0.25 | 0.47 | -1.40 |
| Net Debt / EBITDA | -1.81 | -1.81 | -1.47 | 13.15 | 4.17 | -15.37 |
| Debt / FCF | — | -2.26 | -2.19 | 3.85 | 5.19 | -10.87 |
| Interest Coverage | 0.51 | 0.51 | 0.45 | 0.13 | 2.34 | 2.19 |
Net cash position: cash ($326M) exceeds total debt ($196M)
NBBK Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
NB Bancorp, Inc. Common Stock's current ratio of 306.98x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.09x to 306.98x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Current Ratio | 306.98 | 306.98 | 0.08 | 0.09 | 0.15 | 0.29 |
| Quick Ratio | 306.98 | 306.98 | 0.08 | 0.09 | 0.15 | 0.29 |
| Cash Ratio | 15.14 | 15.14 | 0.05 | 0.03 | 0.04 | 0.18 |
| Asset Turnover | — | 0.05 | 0.06 | 0.05 | 0.04 | 0.03 |
| Inventory Turnover | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — |
NBBK Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
NB Bancorp, Inc. Common Stock returns 10.7% to shareholders annually — split between a 0.7% dividend yield and 10.0% buyback yield. The payout ratio of 11.1% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 6.6% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Dividend Yield | 0.7% | 0.7% | — | — | — | — |
| Payout Ratio | 11.1% | 11.1% | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Earnings Yield | 6.6% | 6.8% | 5.9% | 1.7% | — | — |
| FCF Yield | 7.4% | 7.0% | 5.8% | 8.9% | — | — |
| Buyback Yield | 10.0% | 9.5% | 0.0% | 2.4% | — | — |
| Total Shareholder Yield | 10.7% | 10.1% | 0.0% | 2.4% | — | — |
| Shares Outstanding | — | $41M | $39M | $42M | $43M | $43M |
Peer Comparison
Compare NBBK with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 NBBKYou | $772M | 15.2 | 9.0 | 13.5 | 54.9% | 22.4% | 6.2% | 5.5% | 2.7 |
 NBTB | $2B | 13.5 | 10.4 | 10.7 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 INDB | $4B | 17.3 | 15.2 | 18.6 | 66.4% | 25.4% | 6.5% | 4.7% | 2.4 |
 EGBN | $799M | -6.2 | — | 38.5 | 3.2% | -26.9% | -10.8% | -8.2% | — |
 CTBI | $1B | 14.4 | 10.3 | 12.4 | 63.2% | 28.4% | 11.3% | 7.7% | 2.9 |
 NECB | $339M | 7.5 | 5.3 | 6.7 | 66.1% | 39.6% | 13.3% | 12.5% | 1.2 |
 OCFC | $1B | 16.1 | 27.7 | 13.6 | 54.5% | 14.1% | 4.2% | 2.2% | 17.5 |
 NFBK | $588M | 19.5 | 24.2 | 19.6 | 49.1% | 16.1% | 4.3% | 2.0% | 15.6 |
 DCOM | $2B | 15.7 | -2.2 | 9.0 | 56.1% | 21.5% | 7.7% | 5.6% | 2.4 |
 WSFS | $4B | 14.2 | 6.8 | 17.8 | 74.7% | 28.0% | 10.8% | 9.5% | 0.7 |
 CHMG | $331M | 22.0 | 15.7 | 163.6 | 64.2% | 14.2% | 6.4% | 5.0% | 0.2 |
| Financial Services Median | — | 13.1 | 11.5 | 10.6 | 63.6% | 21.6% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Start ComparisonNBBK — Frequently Asked Questions
Quick answers to the most common questions about buying NBBK stock.
What is NB Bancorp, Inc. Common Stock's P/E ratio?
NB Bancorp, Inc. Common Stock's current P/E ratio is 15.2x. The historical average is 30.0x. This places it at the 33th percentile of its historical range.
What is NB Bancorp, Inc. Common Stock's EV/EBITDA?
NB Bancorp, Inc. Common Stock's current EV/EBITDA is 9.0x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 23.8x.
What is NB Bancorp, Inc. Common Stock's ROE?
NB Bancorp, Inc. Common Stock's return on equity (ROE) is 6.2%. The historical average is 5.8%.
Is NBBK stock overvalued?
Based on historical data, NB Bancorp, Inc. Common Stock is trading at a P/E of 15.2x. This is at the 33th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is NB Bancorp, Inc. Common Stock's dividend yield?
NB Bancorp, Inc. Common Stock's current dividend yield is 0.67% with a payout ratio of 11.1%.
What are NB Bancorp, Inc. Common Stock's profit margins?
NB Bancorp, Inc. Common Stock has 54.9% gross margin and 22.4% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does NB Bancorp, Inc. Common Stock have?
NB Bancorp, Inc. Common Stock's Debt/EBITDA ratio is 2.7x, indicating moderate leverage. A ratio between 2-4x is manageable but warrants monitoring.