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Upturn AI Summary - About
NB Bancorp, Inc. Common Stock(NBBK)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for NBBK
11/10/2026: NBBK (1-star) is currently NOT-A-BUY. Pass it for now.
NB Bancorp, Inc. is a regional banking organization and the holding company for Needham Bank, serving the Greater Boston area. The company is known for its stable community banking franchise, solid core deposit base, and disciplined focus on commercial lending. Its primary growth story revolves around selective lending expansion and digital transformation to remain competitive against larger peers. Key risks include geographic concentration in Massachusetts, exposure to interest rate fluctuations, and intense competitive pressure. This stock may suit value-oriented investors seeking regional banking exposure, though prospective shareholders should monitor the bank's ability to maintain margins and manage credit quality effectively as a newly public entity.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company is a mature regional bank with moderate growth prospects rather than high-growth potential. |
| Momentum investor | Weak fit | The stock generally tracks regional banking trends rather than displaying high-momentum characteristics. |
| Value investor | Strong fit | The bank may appeal to value investors looking for regional exposure at reasonable valuation multiples. |
| Dividend investor | Mixed fit | Dividend suitability is evolving as the company establishes its post-IPO capital distribution policy. |
| Low-risk investor | Medium fit | While regional banks are generally stable, they are subject to industry-specific cyclical risks and interest rate sensitivity. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock is subject to broader market and sector-specific sentiment shifts. |
| Valuation risk | Medium | Market pricing of regional banks often fluctuates based on macroeconomic interest rate outlooks. |
| Competition risk (Regional Banking) | High | Intense competition for loans and deposits in Massachusetts limits pricing power. |
| Business quality | Medium | The bank has a stable local franchise but lacks the scale of national competitors. |
| Dividend income | Medium | The dividend yield is not yet fully established or proven over a long timeframe. |
| Execution risk | Medium | Success depends on managing loan quality and deposit costs effectively in a changing environment. |
Price Behavior
Steady Uptrend
The stock demonstrates consistent and steady upward price momentum.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit -8.51% | Avg. Invested days 40 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/10/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 978.90M USD | Price to earnings Ratio 13.22 | 1Y Target Price 25 |
Price to earnings Ratio 13.22 | 1Y Target Price 25 | ||
Volume (30-day avg) 269.4K shares | Beta 0.01 | 52 Weeks Range 17.88 - 23.35 | Updated Date 11/09/2026 |
52 Weeks Range 17.88 - 23.35 | Updated Date 11/09/2026 | ||
Dividends yield (FY) 1.27% | Basic EPS (TTM) 1.69 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and residential loans minus interest paid on deposits. | The bank makes most of its money on the spread between what it earns on loans and pays on savings accounts. |
| Fee Income | Service charges on deposit accounts and fees from banking services. | Supplemental income generated from day-to-day customer banking activities. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-15 | When - | Estimate 0.59 | Actual 0.6 |
Profitability
Profit Margin 24.46% | Operating Margin (TTM) 41.63% |
Management Effectiveness
Return on Assets (TTM) 1.02% | Return on Equity (TTM) 8.4% |
Valuation
Trailing PE 13.22 | Forward PE - | Enterprise Value 797.33M | Price to Sales(TTM) 3.58 |
Enterprise Value 797.33M | Price to Sales(TTM) 3.58 | ||
Enterprise Value to Revenue 3.95 | Enterprise Value to EBITDA - | Shares Outstanding 43.82M | Shares Floating 38.47M |
Shares Outstanding 43.82M | Shares Floating 38.47M | ||
Percent Insiders 12.53 | Percent Institutions 54.91 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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