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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
10/08/2026: NBBK (1-star) has a low Upturn Star Rating. Not recommended to BUY.
NB Bancorp, Inc. is a regional bank holding company providing essential commercial and retail banking services, primarily to the Greater Boston area. The company benefits from its long-standing community reputation and a conservative approach to credit underwriting, which supports operational stability. Its primary growth opportunity lies in deepening its local presence and potentially expanding its digital service capabilities to increase efficiency. However, the bank faces risks related to geographic concentration, intense competition from larger financial institutions, and sensitivity to interest rate fluctuations. It may appeal to value-oriented investors seeking regional banking exposure, though prospective shareholders should carefully monitor local economic health and asset quality metrics.
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 rather than a high-growth tech or emerging sector firm. |
| Momentum investor | Weak fit | The stock generally follows broader banking sector trends rather than experiencing rapid independent momentum. |
| Value investor | Strong fit | Regional banks are often analyzed for their price-to-book and earnings multiples in a value-oriented framework. |
| Dividend investor | Mixed fit | The company may pay dividends, but it lacks a long-standing track record of consistent dividend growth. |
| Low-risk investor | Mixed fit | Banking stocks involve inherent risks related to economic cycles, credit quality, and interest rate exposure. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | As a smaller bank stock, liquidity and price can fluctuate based on sector-wide banking news. |
| Valuation risk | Medium | The stock trades based on interest rate expectations and regional economic health. |
| Competition risk (Banking competition) | High | Strong competition from larger regional and national banks can pressure loan yields and deposit pricing. |
| Business quality | Medium | The bank relies on a steady loan portfolio and core deposit base which are subject to local economic conditions. |
| Dividend income | Medium | Future dividend payments depend on profitability and capital preservation policies. |
| Execution risk | Medium | The ability to manage asset growth while maintaining credit standards is critical for long-term profitability. |
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 -6.65% | Avg. Invested days 39 | Today’s Advisory WEAK BUY |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/08/2026 |
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 975.84M USD | Price to earnings Ratio 14.65 | 1Y Target Price 25.5 |
Price to earnings Ratio 14.65 | 1Y Target Price 25.5 | ||
Volume (30-day avg) 265.3K shares | Beta - | 52 Weeks Range 16.61 - 23.40 | Updated Date 10/08/2026 |
52 Weeks Range 16.61 - 23.40 | Updated Date 10/08/2026 | ||
Dividends yield (FY) 4.36% | Basic EPS (TTM) 1.52 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans minus interest paid on deposits. | The primary way the bank makes money is by charging more interest on loans than it pays to depositors. |
| Non-Interest Income | Service fees, deposit account charges, and other financial services. | Additional income is generated through various banking service fees. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 14.65 | Forward PE - | Enterprise Value 693.67M | Price to Sales(TTM) 3.92 |
Enterprise Value 693.67M | Price to Sales(TTM) 3.92 | ||
Enterprise Value to Revenue 4.49 | Enterprise Value to EBITDA - | Shares Outstanding 43.82M | Shares Floating 38.42M |
Shares Outstanding 43.82M | Shares Floating 38.42M | ||
Percent Insiders 12.53 | Percent Institutions 52.43 |
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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