XNAS
NBBK
Market cap767mUSD
Jul 09, Last price
18.92USD
1D
-0.32%
1Q
18.92%
IPO
40.67%
Name
NB Bancorp Inc
Chart & Performance
P/E
18.21
P/S
4.44
EPS
1.04
Div Yield, %
—
Shrs. gr., 5y
—
Rev. gr., 5y
%
Revenues
173m
+18.61%
Net income
42m
+329.00%
CFO
43m
-18.45%
Profile
NB Bancorp, Inc. focuses on operating as a bank holding company for Needham Bank that provides various banking products and services in Greater Boston metropolitan area and surrounding communities in Massachusetts, eastern Connecticut, southern New Hampshire, and Rhode Island. 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, one- to four-family residential real estate, 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, municipal bonds, and corporate bonds. The company was founded in 1892 and is based in Needham, Massachusetts.
Valuation
Title USD in thousands, except ratios and share amounts | FY | FY | FY | FY |
|---|---|---|---|---|
| 2024‑12 | 2023‑12 | 2022‑12 | 2021‑12 | |
| Income | ||||
Revenues | 172,730 18.61% | 145,634 28.69% | 113,169 31.33% | |
Cost of revenue | 87,385 | 86,878 | 60,074 | |
Unusual Expense (Income) | ||||
NOPBT | 85,345 | 58,756 | 53,095 | |
NOPBT Margin | 49.41% | 40.34% | 46.92% | |
Operating Taxes | 2,019 | 6,323 | ||
Tax Rate | 3.44% | 11.91% | ||
NOPAT | 85,345 | 56,737 | 46,772 | |
Net income | 42,149 329.00% | 9,825 -67.32% | 30,065 39.35% | |
Dividends | ||||
Dividend yield | ||||
Proceeds from repurchase of equity | (33,622) | 403,683 | ||
BB yield | 4.73% | -71.43% | ||
| Debt | ||||
Debt current | 100,000 | 293,831 | ||
Long-term debt | 20,835 | 10,843 | 303,375 | |
Deferred revenue | ||||
Other long-term liabilities | 3,731,372 | (293,082) | ||
Net debt | (318,536) | (472,285) | (35,419) | |
| Cash flow | ||||
Cash from operating activities | 43,188 | 52,959 | 39,714 | |
CAPEX | (2,865) | (8,498) | ||
Cash from investing activities | (546,444) | (831,622) | (667,993) | |
Cash from financing activities | 594,520 | 894,709 | 317,774 | |
FCF | (4,249,331) | (2,117,950) | 584,675 | |
| Balance | ||||
Cash | 439,371 | 279,950 | 376,553 | |
Long term investments | 203,178 | 256,072 | ||
Excess cash | 430,734 | 475,846 | 626,967 | |
Stockholders' equity | 392,733 | 354,703 | 344,065 | |
Invested Capital | 4,765,004 | 4,178,709 | 699,530 | |
ROIC | 1.91% | 2.33% | 9.76% | |
ROCE | 1.65% | 1.30% | 5.09% | |
| EV | ||||
Common stock shares outstanding | 39,390 | 42,018 | 42,706 | |
Price | 18.06 34.28% | 13.45 | ||
Market cap | 711,380 25.88% | 565,145 | ||
EV | 392,844 | 92,860 | ||
EBITDA | 85,158 | 61,605 | 55,569 | |
EV/EBITDA | 4.61 | 1.51 | ||
Interest | 131,318 | 90,444 | 15,548 | |
Interest/NOPBT | 153.87% | 153.93% | 29.28% | |