NBBK

Company Overview — What Does NB Bancorp, Inc. Do?

ANB Bancorp is a newly formed Maryland corporation that will own all of the outstanding shares of common stock of Needham Bank upon completion of the conversion and the offering. NB Bancorp has not engaged in any business to date. Needham Bank Needham Bank is a Massachusetts-chartered cooperative bank headquartered in Needham, Massachusetts. Needham Bank was organized in 1892 and has operated continuously in Needham, Massachusetts, since this time. Our primary market area is the Greater Boston metropolitan area and surrounding communities, including eastern Connecticut, southern New Hampshire and Rhode Island. Our headquarters are located in Needham, Massachusetts, which is approximately 17 miles southwest of Boston’s financial district, and we have branch locations in Wellesley, Westwood, Dedham, Medfield, Medford, Dover, Ashland, Millis, Natick and Boston (Mission Hill), Massachusetts. Our business consists primarily of taking deposits from the general public and investing those deposits, together with funds generated from operations, in commercial real estate and multifamily loans, one- to four-family residential real estate loans, construction and land development loans, commercial and industrial loans and consumer loans. To a lesser extent, we also originate home equity loans and lines of credit. At June 30, 2023, $1.23 billion, or 34.9%, of our total loan portfolio was comprised of commercial real estate and multifamily loans, and $1.01 billion, or 28.7%, of our total loan portfolio was comprised of one- to four-family residential real estate loans. We also invest in securities, consisting primarily of U.S. Treasury and federal agency securities, municipal bonds and corporate bonds. We offer a variety of deposit accounts, including certificate of deposit accounts, IRAs, money market accounts, savings accounts, demand deposit accounts and interest-bearing and noninterest-bearing checking accounts. We historically have utilized advances from the Federal Home Loan Bank of Boston (the “FHLB”) to fund our operations and we had $337.6 million of FHLB advances outstanding at June 30, 2023. Additionally, in recent years, we have also accepted brokered deposits as a non-retail funding source to fund our operations and we had $253.6 million of brokered deposits at June 30, 2023. Our executive offices are located at 1063 Great Plain Avenue, Needham, Massachusetts. NB Bancorp, Inc. (NBBK) is classified as a micro-cap stock in the Finance, Insurance, And Real Estate sector, specifically within the Banking industry. The company is led by CEO Joseph P. Campanelli. With a market capitalization of $0, NBBK is one of the notable companies in the Finance, Insurance, And Real Estate sector.

NB Bancorp, Inc. (NBBK) Stock Rating — Strong Buy (March 2026)

As of March 2026, NB Bancorp, Inc. receives a Strong Buy rating with a composite score of 77.2/100 and 5 out of 5 stars from the Blank Capital Research quantitative model.NBBK ranks #1,122 out of 7,333 stocks in our coverage universe. Within the Finance, Insurance, And Real Estate sector, NB Bancorp, Inc. ranks #149 of 1085 stocks, placing it in the top quartile of its Finance, Insurance, And Real Estate peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

NBBK Stock Price and 52-Week Range

NB Bancorp, Inc. (NBBK) currently trades at $21.66. The stock gained $0.09 (0.4%) in the most recent trading session. Recent trading volume was 161K shares, suggesting relatively thin trading activity.

Is NBBK Overvalued or Undervalued? — Valuation Analysis

NB Bancorp, Inc. (NBBK) carries a value factor score of 50/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 18.77x, compared to the Finance, Insurance, And Real Estate sector average of 12.12x — a premium of 55%. The price-to-book ratio stands at 1.33x, versus the sector average of 1.21x. The price-to-sales ratio is 3.16x, compared to 2.84x for the average Finance, Insurance, And Real Estate stock. On an enterprise value basis, NBBK trades at 14.35x EV/EBITDA, versus 7.78x for the sector.

Overall, NBBK's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.

NB Bancorp, Inc. Profitability — ROE, Margins, and Quality Score

NB Bancorp, Inc. (NBBK) earns a quality factor score of 38/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 7.1%, compared to the Finance, Insurance, And Real Estate sector average of 8.9%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 1.0% versus the sector average of 1.2%.

The operating margin is 21.8% (sector: 32.3%). Net profit margin stands at 16.7%, versus 21.1% for the average Finance, Insurance, And Real Estate stock. Revenue growth is running at 19.8% on a trailing basis, compared to 10.3% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

NBBK Debt, Balance Sheet, and Financial Health

NB Bancorp, Inc. has a debt-to-equity ratio of 638.0%, compared to the Finance, Insurance, And Real Estate sector average of 37.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.00x, which may signal near-term liquidity tightness.

NBBK has a beta of 0.65, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for NB Bancorp, Inc. is 82/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.

NB Bancorp, Inc. Revenue and Earnings History — Quarterly Trend

In TTM 2026, NB Bancorp, Inc. reported revenue of $310M and earnings per share (EPS) of $0.43. Net income for the quarter was $52M. Operating income came in at $68M.

In Q3 2025, NB Bancorp, Inc. reported revenue of $82M and earnings per share (EPS) of $0.43. Net income for the quarter was $15M. Operating income came in at $20M.

In Q2 2025, NB Bancorp, Inc. reported revenue of $80M and earnings per share (EPS) of $0.39. Net income for the quarter was $15M. Revenue grew 12.3% year-over-year compared to Q2 2024. Operating income came in at $19M.

In Q1 2025, NB Bancorp, Inc. reported revenue of $77M and earnings per share (EPS) of $0.33. Net income for the quarter was $13M. Revenue grew 12.7% year-over-year compared to Q1 2024. Operating income came in at $18M.

Over the past 8 quarters, NB Bancorp, Inc. has demonstrated a growth trajectory, with revenue expanding from $221M to $310M. Investors analyzing NBBK stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

NBBK Dividend Yield and Income Analysis

NB Bancorp, Inc. (NBBK) does not currently pay a dividend. This is common among smaller companies in the Banking industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Finance, Insurance, And Real Estate dividend stocks may want to explore other Finance, Insurance, And Real Estate stocks or use the stock screener to filter by dividend yield.

NBBK Momentum and Technical Analysis Profile

NB Bancorp, Inc. (NBBK) has a momentum factor score of 62/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 32/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 45/100 reflects moderate short selling activity.

NBBK vs Competitors — Finance, Insurance, And Real Estate Sector Ranking and Peer Comparison

Within the Finance, Insurance, And Real Estate sector, NB Bancorp, Inc. (NBBK) ranks #149 out of 1085 stocks based on the Blank Capital composite score. This places NBBK in the top quartile of all Finance, Insurance, And Real Estate stocks in our coverage universe. Key competitors and sector peers include Brookfield Property Partners L.P. (BPYPP) with a score of 97.1/100, Athene Holding Ltd. (ATHpA) with a score of 92.6/100, COMMUNITY BANCORP INC (CMTV) with a score of 89.6/100, United States Gasoline Fund, LP (UGA) with a score of 87.4/100, and Health In Tech, Inc. (HIT) with a score of 87.0/100.

Comparing NBBK against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full NBBK vs S&P 500 (SPY) comparison to assess how NB Bancorp, Inc. stacks up against the broader market across all factor dimensions.

NBBK Next Earnings Date

No upcoming earnings date has been announced for NB Bancorp, Inc. (NBBK) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy NBBK? — Investment Thesis Summary

The bull case for NB Bancorp, Inc. rests on several quantitative strengths. The quality score of 38/100 flags below-average profitability. Price momentum is positive at 62/100, suggesting the trend favors buyers. Low volatility (stability score 82/100) reduces downside risk.

In summary, NB Bancorp, Inc. (NBBK) earns a Strong Buy rating with a composite score of 77.2/100 as of March 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on NBBK stock.

Related Resources for NBBK Investors

Explore more research and tools: NBBK vs S&P 500 comparison, top Finance, Insurance, And Real Estate stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare NBBK head-to-head with peers: NBBK vs BPYPP, NBBK vs ATHpA, NBBK vs CMTV.