What is NB Bancorp, Inc.'s (NBBK) StockRank?

MoatMap's StockRank for NB Bancorp, Inc. (NBBK) is 60/100, with a Hold signal. This is a composite score combining Quality (43), Value (47), and Momentum (65) factor ranks across MoatMap's universe of 25,000+ stocks.

Does NB Bancorp, Inc. have an economic moat?

NB Bancorp, Inc. (NBBK) has a Quality factor score of 43/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is NB Bancorp, Inc. a buy, hold, or sell?

MoatMap's current signal for NB Bancorp, Inc. (NBBK) is Hold, based on a StockRank of 60/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.

What sector is NB Bancorp, Inc. in?

NB Bancorp, Inc. (NBBK) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

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NBBK

HoldHot Air

NB Bancorp, Inc. · Financial Services · United States · $984M · Avg Vol: $7M/d

StockRank

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P/E (TTM)

15.2x

ROE

7.5%

D/E

0.2x

Dividend %

4.3%

COMPANY DESCRIPTION

NB Bancorp, Inc. serves as the holding company for Needham Bank, a community bank primarily operating in eastern Massachusetts, offering personal and business banking products. Its competitive moat is a strong local market presence and community-focused approach, building long-term customer relationships through personalized services. NB Bancorp is a community bank serving affluent Massachusetts markets, sensitive to regional economic conditions and interest rate movements.

FINANCIAL SUMMARY (USD)

Year	2021	2022	2023	2024	2025	CAGR	TTM	2026E	2027E	Fwd CAGR
Revenue	—	113.3M	147.1M	173.8M	213.7M	23.5%	249.2M	299.1M	326.9M	23.7%
EPS	0.51	0.70	0.23	1.07	1.32	27.2%	1.52	1.65	2.01	23.4%
Shares	—	42.7M	42.7M	42.7M	45.8M	+7.2%	43.8M	—	—	—
Debt	—	293.1M	283.3M	120.8M	196.2M	-12.5%	204.2M	—	—	—
Equity	—	344.1M	758.0M	765.2M	858.9M	35.7%	—	—	—	—
Op CF	—	39.7M	52.9M	43.2M	60.8M	15.2%	85.3M	—	—	—
Inv CF	—	-668.0M	-831.6M	-546.4M	-519.0M	—	—	—	—	—
Fin CF	—	317.8M	894.8M	594.5M	502.0M	—	—	—	—	—

Loading 1Y...

PRICE (1Y)+0.8%

SMA 50SMA 200

$22.85

RSI (14)

66.8

52W High

$23.40

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

0.9%*34.5

ROE

7.5%37.1

GP/Assets

3.6%N/A

Op. Margin

40.7%58.4

FCF/Assets

1.0%N/A

Piotroski

446.2

Int. Cover

—50.0

D/E Ratio

0.23xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

15.2x37.6

EV/EBITDA

bankN/A

P/FCF

13.5xN/A

P/B

1.1x52.7

P/S

4.1x44.0

Div Yield

4.3%57.3

Momentum

52W High %

98%90.2

RS 6M

-5%43.5

SMA 50/200

1.05x58.9

EPS Rev 4W

0.0%27.7

EPS Rev 12W

+5.3%85.0

EPS Improve

+71%79.0

Q Growth

45%70.6

FUNDAMENTALS

Market Cap

$984M

P/E (Forward)

8.9x

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of NBBK are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
NBBK	NB Bancorp, Inc.(you)	$984M	60	Hold
FSBC	Five Star Bancorp	$1.1B	60	Hold
MCBS	MetroCity Bankshares, Inc.	$1.0B	62	Hold
CCBG	Capital City Bank Group, Inc.	$879M	59	Hold
GSBC	Great Southern Bancorp, Inc.	$859M	62	Hold
TRST	TrustCo Bank Corp NY	$973M	55	Hold
HTB	HomeTrust Bancshares, Inc.	$776M	61	Hold
MBWM	Mercantile Bank Corporation	$1.0B	65	Buy
FCBC	First Community Bankshares, Inc.	$925M	65	Buy
AMTB	Amerant Bancorp Inc.	$1.1B	56	Hold

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

Price	$22.85
Market Cap	$984M
P/E (TTM)	15.24
P/E (Forward)	8.89
Price/Book	1.12
Return on Equity	7.5%
Debt/Equity	0.23x
Operating Margin	40.7%
Revenue Growth	48.6%
Dividend Yield	4.3%
Free Cash Flow	$73M