Stocks · Financial Services · Banks - Regional
NB Bancorp, Inc. Common Stock NBBK
$22.57 +1.35% Close, Oct 2, 2026 · NASDAQ · Market cap $936.7M
Strong growthInexpensive vs sector
Next earnings report: Oct 28, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The diluted share count rose 10.3% in a year.
- The stock is in an uptrend: above its 200-day average for 83 trading days, with the 50-day average above the 200-day.
- Revenue over the last four quarters was $380.0M, up 18.0% from a year earlier, accelerating from 10.4% a quarter earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 25%
- EPS growth (TTM, YoY)Bottom 40%
- FCF growth (TTM, YoY)Top 40%
- Revenue growth, 3-year CAGRTop 12%
- Revenue growth accelerationTop 13%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 29%
- Gross marginBottom 31%
- Operating marginBottom 50%
- Cash conversion (OCF / net income)Top 32%
- Accruals (lower is better)Top 47%
- Net debt / EBITDA (lower is better)Top 10%
- Interest coverBottom 28%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 50%
- Free-cash-flow yieldTop 44%
- EBITDA / enterprise valueTop 19%
- Sales / enterprise valueTop 25%
- P/E vs own 5-year history (lower is better)Top 24%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 26%
- 6-month returnBottom 47%
- 1-year return vs S&P 500Top 22%
- Distance from 52-week highTop 18%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 27%
- Consecutive EPS beatsBottom 43%
- Upside to consensus price targetBottom 49%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 48%
- Maximum drawdown, 3 yearsTop 36%
- Beta vs S&P 500 (lower is better)Bottom 26%
- Net debt / EBITDA (lower is better)Top 10%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 10.4% | 18.0% | ↑ |
| EPS growth (YoY) | 16.1% | 12.0% | ↓ |
| Gross margin | 55.3% | 56.5% | ↑ |
| Operating margin | 22.0% | 21.8% | ↓ |
| FCF margin | 19.9% | 21.8% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 18.0% | 10.4% | ↑ | Top 25% |
| EPS growth (TTM, YoY) | 12.0% | 16.1% | ↓ | Bottom 40% |
| Gross margin | 56.5% | 55.3% | ↑ | Bottom 31% |
| Operating margin | 21.8% | 22.0% | ↓ | Bottom 50% |
| Net margin | 15.6% | 15.9% | ↓ | — |
| Free-cash-flow margin | 21.8% | 19.9% | ↑ | — |
| Return on invested capital | 5.3% | — | Top 29% | |
| Revenue growth, 3-year CAGR | 35.0% | — | Top 12% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.44×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.4%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.7%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +23.7 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -2.49×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.5×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.27%
- Net buyback yield (TTM)
- 6.81%
- Shareholder yield
- 8.08%
- Share count change, 1 year
- +10.3%
- Share count change, 3-year CAGR
- -1.0%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 6 of 8
- Average EPS surprise, last 4
- -0.7%
- Average 2-day reaction, last 8
- +0.3%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $26.00
- Target vs current price
- +15.2%
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 22, 2026 | +15.8% | +0.2% | +9.6% | +8.1% | — |
| Apr 22, 2026 | -29.6% | -0.6% | -7.5% | -9.6% | -1.4% |
| Jan 22, 2026 | +4.1% | +0.9% | +3.1% | +6.5% | +9.9% |
| Oct 22, 2025 | +7.1% | +0.7% | +1.6% | +6.0% | +11.0% |
| Jul 23, 2025 | +14.3% | -1.9% | -2.6% | -1.5% | -4.8% |
| Apr 22, 2025 | +0.0% | +2.0% | +4.6% | +7.9% | +13.2% |
| Feb 26, 2025 | +23.8% | -0.8% | -1.2% | -1.0% | -11.8% |
| Oct 30, 2024 | +26.9% | +1.5% | +4.1% | +9.9% | +3.2% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 22, 2026 | $0.55 | $0.48 | +15.8% | $74.7M |
| Apr 22, 2026 | $0.38 | $0.54 | -29.6% | $69.4M |
| Jan 22, 2026 | $0.51 | $0.49 | +4.1% | $87.9M |
| Oct 22, 2025 | $0.45 | $0.42 | +7.1% | $83.3M |
| Jul 23, 2025 | $0.40 | $0.35 | +14.3% | $83.0M |
| Apr 22, 2025 | $0.35 | $0.35 | +0.0% | $80.7M |
| Feb 26, 2025 | $0.40 | $0.32 | +23.8% | $81.0M |
| Oct 30, 2024 | $0.33 | $0.26 | +26.9% | $77.3M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 15.1× | 16.1× | 27th | Bottom 50% |
| P/E (forward) | 10.6× | — | — | — |
| EV / EBITDA | 8.2× | — | — | Top 19% |
| EV / Sales | 1.89× | — | — | Top 25% |
| Free-cash-flow yield | 8.86% | — | — | Top 44% |
| Earnings yield | 6.60% | — | — | Bottom 50% |
P/E over the past five years
Range 11.9× – 62.1× since Dec 31, 2022. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +28.4%
- Earnings per share growth (TTM)
- +12.0%
- Change in P/E multiple
- +17.7%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 83
- 50-day average slope (20 days)
- +2.7%
- 200-day average slope (20 days)
- +1.3%
- Distance from 50-day average
- -0.3%
- Distance from 200-day average
- +6.0%
- RSI (14)
- 50.9
- Relative volume
- 0.80×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 20.9%
- Volatility vs own 5-year history
- 12th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.92
- Correlation with S&P 500
- 0.49
- Current drawdown from 1-year high
- -3.2%
- Maximum drawdown, 3 years
- -24.7%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 6, 2024 | Apr 4, 2025 | -24.7% | 101 days | 174 days (Dec 12, 2025) |
| Apr 9, 2026 | Apr 23, 2026 | -15.4% | 10 days | 65 days (Jul 28, 2026) |
| Jul 30, 2024 | Aug 5, 2024 | -11.6% | 4 days | 65 days (Nov 5, 2024) |
| Feb 6, 2026 | Mar 18, 2026 | -10.0% | 27 days | 15 days (Apr 9, 2026) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $936.7M
- P/E (TTM)
- 15.1
- EPS, diluted (TTM)
- $1.49
- Revenue (TTM)
- $380.0M
- Dividend yield
- 1.24%
- 52-week range
- $16.84 – $23.47
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $98.8M | $128.9M | $237.5M | $304.0M | $317.2M |
| Gross profit | $84.1M | $106.6M | $133.2M | $160.6M | $174.3M |
| Operating income | $27.6M | $36.4M | $11.8M | $58.6M | $71.1M |
| Net income | $21.6M | $30.1M | $9.8M | $42.1M | $50.3M |
| EPS (diluted) | $0.51 | $0.70 | $0.23 | $1.07 | $1.34 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $77.3M | $81.0M | $80.7M | $83.0M | $83.3M | $70.3M | $109.1M | $117.4M |
| Net income | $8.4M | $15.6M | $12.7M | $14.6M | $15.4M | $7.7M | $15.0M | $21.1M |
| EPS (diluted) | $0.21 | $0.40 | $0.33 | $0.39 | $0.43 | $0.19 | $0.36 | $0.51 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $43.8M | $39.7M | $52.9M | $43.2M | $60.8M |
| Capital expenditure | -$1.8M | -$8.5M | -$2.9M | -$1.9M | -$3.4M |
| Free cash flow | $42.0M | $31.2M | $50.0M | $41.3M | $57.4M |
| Dividends paid | $0 | $0 | $0 | $0 | -$5.6M |
| Net share buybacks | $0 | $0 | $389.9M | -$33.4M | -$77.1M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $672.8M
- Total assets
- $7.45B
- Total liabilities
- $6.60B
- Total debt
- $181.2M
- Net debt
- -$218.9M
- Shareholders’ equity
- $842.0M
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 5, 2026 | $0.07 | Aug 19, 2026 |
| May 6, 2026 | $0.07 | May 20, 2026 |
| Feb 5, 2026 | $0.07 | Feb 19, 2026 |
| Nov 5, 2025 | $0.07 | Nov 19, 2025 |
| Aug 6, 2025 | $0.07 | Aug 20, 2025 |
Short interest
- Shares sold short
- 1,684,193
- Days to cover
- 6.51
- Change vs previous report
- +16.2%
FINRA short interest, settlement date Sep 15, 2026.