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

MoatMap's StockRank for NB Bancorp, Inc. (NBBK) is 53/100, with a Hold signal. This is a composite score combining Quality (41), Value (39), and Momentum (67) factor ranks across MoatMap's 20,000+ stock universe.

Does NB Bancorp, Inc. have an economic moat?

NB Bancorp, Inc. (NBBK) has a Quality factor score of 41/100. 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 53/100. 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

HOLD

NB Bancorp, Inc. · Financial Services · United States · $983M · Avg Vol: $7M/d

StockRank

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P/E (TTM)

15.5x

ROE

6.7%

D/E

0.2x

Dividend %

1.0%

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%	225.8M	298.4M	324.6M	23.3%
EPS	0.51	0.70	0.23	1.07	1.32	27.2%	1.35	1.62	1.98	22.2%
Shares	—	42.7M	42.7M	42.7M	45.8M	+7.2%	43.8M	—	—	—
Debt	—	293.1M	283.3M	120.8M	196.2M	-12.5%	210.9M	—	—	—
Equity	—	344.1M	758.0M	765.2M	858.9M	35.7%	—	—	—	—
Op CF	—	39.7M	52.9M	43.2M	60.8M	15.2%	78.2M	—	—	—
Inv CF	—	-668.0M	-831.6M	-546.4M	-519.0M	—	—	—	—	—
Fin CF	—	317.8M	894.8M	594.5M	502.0M	—	—	—	—	—

Loading 1Y...

PRICE (1Y)+8.8%

SMA 50SMA 200

$22.43

RSI (14)

69.4

52W High

$22.78

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

0.8%*32.9

ROE

6.7%33.4

GP/Assets

3.2%N/A

Op. Margin

35.0%53.3

FCF/Assets

1.0%N/A

Piotroski

444.0

Int. Cover

—50.0

D/E Ratio

0.23xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

15.5x38.4

EV/EBITDA

bankN/A

P/FCF

13.5xN/A

P/B

1.0x57.0

P/S

4.1x46.0

Div Yield

1.0%7.5

Momentum

52W High %

98%86.1

RS 6M

3%62.4

SMA 50/200

1.02x45.4

EPS Rev 4W

+1.0%88.6

EPS Rev 12W

-2.9%22.8

EPS Improve

+85%80.8

Q Growth

18%53.7

FUNDAMENTALS

Market Cap

$983M

P/E (Forward)

8.4x

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)	$983M	53	HOLD
MCB	Metropolitan Bank Holding Corp.	$1.1B	55	HOLD
SBSI	Southside Bancshares, Inc.	$1.0B	57	HOLD
ALRS	Alerus Financial Corporation	$822M	58	HOLD
MPB	Mid Penn Bancorp, Inc.	$942M	62	HOLD
EQBK	Equity Bancshares, Inc.	$1.0B	43	HOLD
HTB	HomeTrust Bancshares, Inc.	$818M	63	HOLD
BFC	Bank First Corporation	$1.7B	50	HOLD
SMBK	SmartFinancial, Inc.	$855M	64	HOLD
TRST	TrustCo Bank Corp NY	$977M	67	BUY

Peer medians: ROE 9.5% · P/E 13.9x · Gross margin 100.0%

Price	$22.43
Market Cap	$983M
P/E (TTM)	15.54
P/E (Forward)	8.39
Price/Book	1.03
Return on Equity	6.7%
Debt/Equity	0.23x
Operating Margin	35.0%
Revenue Growth	36.3%
Dividend Yield	1.0%
Free Cash Flow	$73M