NB Bancorp Inc. Common Stock (NBBK)

FairStock Score: 49/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a value investor, I look first at whether a bank earns a respectable return on equity and whether the price paid for book value leaves room for error. NB Bancorp, trading at $22.22 as of the 2026-10-13 close, is a $973.6M market-cap bank holding company for Needham Bank in Greater Boston. FairStock calculates a P/E of 14.52, P/B of 1.08, ROE of 7.50%, ROCE of 0.93%, and a PEG of 0.32; those are not extravagant, but the ROE is only mediocre for a bank. The latest filed figures are encouraging: in fiscal Q2 2026, the quarter ended 2026-06-30, net income was $21.1M and diluted EPS $0.53, up from $14.6M and $0.39 in fiscal Q2 2025. For FY2025, net income was $50.3M and diluted EPS $1.34, versus $42.1M and $1.07 in FY2024. The Lynch category is STALWART, with profit growing 18.7% a year over three years, and the Piotroski F-Score is 7/9. The concern is that a 7.50% ROE is not high, and P/B just above 1 means the market is paying a small premium to book. Credit and capital details matter enormously here, but CET1, net interest margin, and combined ratio are not in the data. With a 1.26% dividend yield and a FairStock Score of 49/100, I'd call this a steady but not obviously mispriced regional bank.

In plain English: NB Bancorp is a bank holding company for Needham Bank, serving the Boston area. It is profitable and recent earnings are higher than a year ago, and the stock price looks reasonable compared with its profits and the value of its assets. Still, profitability is moderate and important banking details like capital strength and loan quality are not in the data.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer