EN DE
Watch NB Bancorp, Inc. Common Stock for free: we tell you when fair value or trend changes.
Data-driven stock valuation

NB Bancorp, Inc. (NBBK) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of NB Bancorp, Inc. stock $15.11, price $22.09, that is 31.6% below the price, quality 49 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

  1. Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with one Yes, for free

Financial Services US

NB NB Bancorp, Inc. logo Broad data Nov 5, 2026

NB Bancorp, Inc.

NBBK · US
Expensive, weak quality

Our calculation puts a fair price 32% below what the stock costs today.

Healthy Growth (revenue 3y +35.0 %/yr in USD)
Highly profitable · 24.4% net margin (TTM)
1.3% dividend yield · Low payout
Broad data
Last quarter vs. a year ago: revenue +50%, profit +35%.
Quality 49/100
Moderate moat 62/100 · thin data
Insiders bought $105,409 (6M) · sold $45,860
Fair value $15.11 · Overvalued
Trails peers (5/14)
Watch NB Bancorp, Inc. Common Stock for free: we tell you when fair value or trend changes. Watch for free

What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$23.25 $13.09 Fair Value $15.11 Dec 2023 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 5, 2026.

How to read this chart

34‑month range $13.09 – $23.25 · fair‑value band $14.93 – $16.19 · the $22.09 price screens above the $15.11 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 5, 2026.

Follow NB Bancorp, Inc. Common Stock in your weekly email

Every Wednesday you see whether NB Bancorp, Inc. Common Stock is on track or worth a review, plus price against fair value. Free, up to 3 stocks.

We send you a confirmation link. Unsubscribe with one click.

Which stocks are undervalued right now? Check free Discover now →

Company profile

NB Bancorp, Inc. focuses on operating as a bank holding company for Needham Bank that provides various banking products and services in the Greater Boston metropolitan area and surrounding communities in the United States.

Show moreShow less

The company offers various deposits, including certificate of deposit, individual retirement, money market, savings, NOW, demand deposit, and interest-bearing and noninterest-bearing checking accounts; and commercial real estate and multifamily residential loans, one- to four-family residential real estate, mortgage warehouse loans, construction and land development, commercial and industrial, and consumer loans, as well as home equity loans and lines of credit.

It also invests in securities consisting of U.S. treasury and federal agency securities, government-sponsored residential mortgage-backed securities, corporate bonds, SBA securities and municipal bonds. NB Bancorp, Inc. was founded in 1892 and is based in Needham, Massachusetts.

Stock analysis

NB Bancorp, Inc. (NBBK) currently trades at $22.09, while our model-based Fair Value estimate is $15.11, 32% below the price, so the stock looks overvalued today.

Show more

Valuation

Bull case: the Multiples group reads highest at a median of $20.61 per share, and 1 of the 6 models we run sit above the $22.09 price.

Bear case: the Dividend Discount group reads lowest at $1.98, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $14.93 (bear) to $16.19 (bull), the price of $22.09 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 49/100 (below-average quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

NB Bancorp, Inc. Common Stock reported revenue of $317M in FY2025 versus $98.8M in FY2021, a compound +33.9%/yr. Reported net income was $50.3M in FY2025, compounding +23.6%/yr from FY2021.

Key figures

Market cap $984M Small · P/E ratio 13.2 · P/S ratio 3.59 · EPS (TTM) $1.67 · Dividend yield 1.3% · Net margin 24.4% · Return on equity 8.4% · Return on assets (EBIT) 0.9% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 62 out of 100 (low confidence).

What moves the price

The share trades about 5% below its 52-week high and 23% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −32%, NBBK screens richer than that median.

Fair Value models

Bear $14.93 Fair Value $15.11 Bull $16.19
Price $22.09 · Downside -31.6%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 12 months old). Earnings retained since then ($1.39 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $14.93 $15.11 $16.19 73
Gordon GGM $1.09 $2.11 $3.12 64
DDM Multi-Stage $1.09 $1.85 $2.24 64
All 6 models by family
Dividend Discount
Gordon GGM $1.09 $2.11 $3.12 64
DDM Multi-Stage $1.09 $1.85 $2.24 64
Multiples
P/E Multiple $11.19 $14.92 $18.65 63
P/B Multiple $19.72 $26.29 $32.86 55
Asset-Based
NCAV (Graham) $6.91 $10.48 $13.09 54
Economic Profit
Residual Income $14.93 $15.11 $16.19 73

Open the full fair value analysis →

Quality Score breakdown

Overall quality 49/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 26
How much profit the company makes from its sales and capital
Quality Growth 54
Are margins and returns getting better?
Cashflow 73
Do the profits arrive as real cash?
Financial strength 16
Debt, balance sheet and risk of trouble
Investment 33
Does it invest with discipline instead of growing at any price?
Low Volatility 88
How calm the share price moves, does not count
Price momentum 53
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 68
Distance to the 52-week high, does not count
New shares 81
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 2 officers or directors bought shares worth $105,409, most recently on Aug 20, 2026. Over the same period, one person sold shares worth $45,860. Buying cluster

  • BuyJean-Pierre LapointeSEVP and CFO2× since Mar 9, 2026: 1,200 shares, avg. $20.65$24,780Aug 20, 2026
  • BuyJoseph P CampanelliPresident & CEO, Director5× since Mar 6, 2026: 15,000 shares, avg. $20.26$303,940Aug 20, 2026
  • SaleKevin HenkinEVP, Chief Credit Officer2,000 shares at $22.93$45,860Aug 14, 2026
  • BuyHope PascucciDirector20,000 shares at $19.47$389,300Apr 24, 2026
  • BuyPaul A EvangelistaEVP, Dir Spec. Bank. Ctr.2,000 shares at $20.87$41,740Dec 19, 2025

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 95/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+4.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+35.0%
What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+25.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+24.0%
Dividend (yield on the price)1.3%
Profit margin 2021 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.28% → 22%
2025 sits 74% above its own trend. The rate follows the median trend of the last 5 years, not that single year.

NBBK screens overvalued: fair value 32% below the price. Compare with China Merchants Bank Co →

Compare NB Bancorp, Inc. Common Stock with another stock

Price, fair value, quality and upside side by side.

Free, no sign-up

Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 5/14 measures
Overall it trails its industry peers.
Valuation
Quality Score 49 · Below median
Fair Value upside −31.6% · Below median
Profitability
Return on equity (12 months) 8.4% · Below median
Return on assets 0.7% · Below median
Net margin (12 months) 24.4% · Below median
Operating margin (12 months) 41.6% · Above median
Growth and dividend
Revenue growth (quarter YoY) 49.6% · Top 25%
Dividend yield (12 months) 1.3% · Bottom 25%
Balance sheet
Debt / equity 0.03× · Lowest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 13.2× · Pricier than median
P/B 1.15× · Cheaper than median
P/S (12 months) 3.59× · Pricier than median
Price / free cash flow (fiscal year) 17.2× · Priciest 25%
EV/EBITDA 9.6× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)100 · sector 47
PAST (return on equity)34 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)25 · sector 53

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs NBBK
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs NBBK
BNP Paribas SA BNP €91.93 €106.01 +15% vs NBBK
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs NBBK
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs NBBK
UniCredit S.p.A UCG €76.80 €50.44 −34% vs NBBK
Mizuho Financial Group MFG $9.40 $5.89 −37% vs NBBK
DBS Group D05 69.72 SGD 40.39 SGD −42% vs NBBK
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs NBBK
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs NBBK

Explore undervalued stocks

More undervalued Financial Services stocks →

All undervalued stocks TechnologyFinancial ServicesHealthcareConsumer CyclicalConsumer DefensiveCommunication ServicesIndustrialsEnergyBasic MaterialsReal EstateUtilities Deeply Undervalued StocksUndervalued High-Quality StocksUndervalued Blue-Chip StocksUndervalued Small-Cap StocksUndervalued Dividend StocksUndervalued 52-Week Low Stocks

Try a ready-made strategy

Pick a strategy and jump into the live analysis with that exact screen applied.

🥇 Backtested Best 🏆 Big Names 💎 Quality on Sale 🚀 Profitable Growth 🧊 Quality Compounders 💵 Dividend Stars 📈 Strong Momentum 📉 Fallen Angels ⚖️ Deeply Undervalued 🔍 Small-Cap Gems 🏰 Moat at a Fair Price 💼 Insider Buying 🎩 Buffett-Style Quality 📚 Peter Lynch GARP 🧮 Greenblatt Magic Formula 🛡️ Graham Defensive

Discover tools

Stock screenerFilter by region, size and sector Compare toolTwo stocks side by side Extrinsic Value Calculator…Free calculator Peter Lynch Fair Value Formula &…Free calculator
Run the numbers yourself: free valuation calculators
DCF CalculatorP/E Ratio CalculatorPEG Ratio CalculatorGraham NumberPeter Lynch FormulaDDM CalculatorIntrinsic ValueIntrinsic vs Extrinsic ValueP/E Ratio by Sector
For bloggers & editors: embed code + live data

For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.

NB Bancorp, Inc. Common Stock: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "NB Bancorp, Inc. Common Stock Fair Value". https://www.fairvalue-calculator.com/stock/NBBK

Frequently asked questions

Is NB Bancorp, Inc. (NBBK) overvalued or undervalued?
As of Nov 5, 2026, our model estimates a fair value of $15.11 versus a price of $22.09, about 32% lower (overvalued).
What is the fair value of NBBK?
Our model-based fair value for NB Bancorp, Inc. is $15.11 (as of Nov 5, 2026), built from audited fundamentals. The current price: $22.09.
What is the quality score of NBBK?
NB Bancorp, Inc. has a Quality Score of 49/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for NB Bancorp, Inc. (NBBK)?
Our model-based price target is the fair value of $15.11 (as of Nov 5, 2026) from 6 valuation models. Cautious scenario $14.93, optimistic scenario $16.19. It is a calculation from audited fundamentals, not an analyst target.
What is the NB Bancorp, Inc. Common Stock stock forecast for 2026?
Our models put fair value at $15.11, about 32% lower versus a price of $22.09 (overvalued). Cautious scenario $14.93, optimistic scenario $16.19. The calculation is refreshed regularly with new filings.
What is the revenue of NB Bancorp, Inc. (NBBK)?
NB Bancorp, Inc. reported trailing-twelve-month revenue of about $274M (latest available figure, as of Nov 5, 2026).
Does NB Bancorp, Inc. Common Stock pay a dividend?
NB Bancorp, Inc. currently shows a dividend yield of 1.27% relative to its recent price (as of Nov 5, 2026).
How much is the dividend of NB Bancorp, Inc. (NBBK) and when is the ex-dividend date?
NB Bancorp, Inc. pays a dividend of $0.28 per share a year, a dividend yield of 1.3%. The last ex-dividend date was Oct 29, 2026. The payout ratio is 16.8% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of NB Bancorp, Inc. (NBBK)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For NB Bancorp, Inc. it is $15.11 per share (as of Nov 5, 2026), against a price of $22.09. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is NB Bancorp, Inc. Common Stock stock overvalued or undervalued in 2026?
As of Nov 5, 2026, NBBK trades above its calculated fair value: price $22.09, fair value $15.11, a gap of about −32% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of NBBK?
No. The price is what the market pays today ($22.09); the fair value is what the company's own numbers justify ($15.11). For NB Bancorp, Inc. the two are $6.98 per share apart. That gap is exactly why we show both numbers side by side.
How much is NB Bancorp, Inc. Common Stock worth?
The market values NB Bancorp, Inc. at about $984M (market capitalisation, as of Nov 5, 2026). Per share that is $22.09; our models calculate a fair value of $15.11 per share.
What do the bullish and bearish scenarios say about NBBK?
Our models span a range for NB Bancorp, Inc.: cautious scenario $14.93, base $15.11, optimistic $16.19 per share (as of Nov 5, 2026, price $22.09). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of NBBK?
NB Bancorp, Inc. trades at a price-to-earnings ratio of 13.2 (as of Nov 5, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $15.11 is built from several models across several years. Other multiples: P/B 1.2, P/S 3.6, EV/EBITDA 9.6.
How solid is the balance sheet of NB Bancorp, Inc. (NBBK)?
Balance-sheet figures for NB Bancorp, Inc. (as of Nov 5, 2026): return on equity 8.4%, debt of 0.03 per unit of equity. They feed the Quality Score of 49/100, which measures business quality independently of the share price.
How far is NBBK from its 52-week high?
NB Bancorp, Inc. trades at $22.09, about 5% below its 52-week high of $23.25 and 23% above the low of $18.02 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $15.11 is for.
Which stocks are comparable to NB Bancorp, Inc. Common Stock?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is NB Bancorp, Inc. Common Stock stock attractive at the current price?
The data as of Nov 5, 2026: price $22.09, calculated fair value $15.11 (−32%), Quality Score 49/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of NBBK calculated?
We run NB Bancorp, Inc. through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $15.11 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. NB Bancorp, Inc. itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of NB Bancorp, Inc. (NBBK)?
The closing price on Nov 6, 2026 was $22.09. Our model-based fair value is $15.11, about 32% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with NB Bancorp, Inc. Common Stock right now?
The price sits above even our optimistic bull case ($16.19). The favourable scenario is already priced in. Weak quality (49/100) and above fair value at the same time, the margin of safety is missing on both counts. The models converge in a tight band ($14.93 to $16.19), unusually little disagreement for a valuation. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of NB Bancorp, Inc.

How large is the market capitalisation of NB Bancorp, Inc. (NBBK)?
The market capitalisation of NB Bancorp, Inc. is $984M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of NB Bancorp, Inc. (NBBK)?
The price-to-sales ratio of NB Bancorp, Inc. is 3.59 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of NB Bancorp, Inc. (NBBK)?
Earnings per share at NB Bancorp, Inc. are $1.67 (price ÷ EPS = P/E 13.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of NB Bancorp, Inc. (NBBK)?
The dividend yield of NB Bancorp, Inc. is 1.3% (payout 16.8%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of NB Bancorp, Inc. (NBBK)?
The net margin of NB Bancorp, Inc. is 24.4% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of NB Bancorp, Inc. (NBBK)?
The return on equity (ROE) of NB Bancorp, Inc. is 8.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of NB Bancorp, Inc. (NBBK)?
On an EBIT basis the return on assets of NB Bancorp, Inc. is 0.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of NB Bancorp, Inc. (NBBK)?
The operating margin of NB Bancorp, Inc. is 41.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at NB Bancorp, Inc. (NBBK)?
Revenue at NB Bancorp, Inc. is growing +49.6% versus a year earlier (3y avg +35.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at NB Bancorp, Inc. (NBBK)?
Earnings per share at NB Bancorp, Inc. are growing +34.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does NB Bancorp, Inc. (NBBK) generate?
The free cash flow of NB Bancorp, Inc. is $57.4M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does NB Bancorp, Inc. (NBBK) hold?
NB Bancorp, Inc. holds more cash than debt, $129M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
Free · no account needed

Watch NB Bancorp, Inc. Common Stock in the live analysis

One click puts NB Bancorp, Inc. Common Stock on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.

Watch for free →

Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.