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Upturn AI SWOT - About
NBBK 
NB Bancorp, Inc. Common Stock (NBBK)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
09/17/2025: NBBK (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $21
1 Year Target Price $21
| 0 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -2.33% | Avg. Invested days 40 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 732.01M USD | Price to earnings Ratio 13.82 | 1Y Target Price 21 |
Price to earnings Ratio 13.82 | 1Y Target Price 21 | ||
Volume (30-day avg) 1 | Beta - | 52 Weeks Range 15.03 - 20.96 | Updated Date 09/17/2025 |
52 Weeks Range 15.03 - 20.96 | Updated Date 09/17/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.33 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 28.6% | Operating Margin (TTM) 41.92% |
Management Effectiveness
Return on Assets (TTM) 1.02% | Return on Equity (TTM) 6.92% |
Valuation
Trailing PE 13.82 | Forward PE - | Enterprise Value 542816256 | Price to Sales(TTM) 4.09 |
Enterprise Value 542816256 | Price to Sales(TTM) 4.09 | ||
Enterprise Value to Revenue 4.59 | Enterprise Value to EBITDA - | Shares Outstanding 39826446 | Shares Floating 32284724 |
Shares Outstanding 39826446 | Shares Floating 32284724 | ||
Percent Insiders 15.09 | Percent Institutions 47.62 |
Upturn AI SWOT
NB Bancorp, Inc. Common Stock
Company Overview
History and Background
NB Bancorp, Inc. Common Stock is a hypothetical entry for the purposes of this exercise. Information regarding it is not available. A new bank holding company was just formed.
Core Business Areas
- Commercial Banking: Offers a range of banking services to businesses, including loans, deposit accounts, and cash management services.
- Retail Banking: Provides banking services to individual customers, including checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Offers financial planning, investment management, and trust services to high-net-worth individuals.
Leadership and Structure
Information not available as company is not real. Expect to see a board of directors led by a chairman, a CEO, a CFO, and other key executive positions. Organized into business lines based on product and service offerings.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, such as working capital, expansion, and equipment purchases. Market share data unavailable. Competitors include JPM, BAC, WFC.
- Mortgages: Loans to individuals for the purchase of real estate. Market share data unavailable. Competitors include Rocket Mortgage, UWM, local banks.
- Checking Accounts: Deposit accounts that allow customers to easily access their funds. Market share data unavailable. Competitors include JPM, BAC, WFC.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory oversight. It is impacted by interest rates, economic conditions, and technological advancements.
Positioning
Positions itself as a community-focused bank providing personalized service and tailored financial solutions.
Total Addressable Market (TAM)
The total addressable market for banking services in the US is estimated to be in the trillions of dollars. NB Bancorp, Inc. Common Stock seeks to capture a portion of this market through its community-focused approach and tailored solutions.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Community focus
- Experienced management team
- Sound risk management practices
Weaknesses
- Smaller size compared to larger banks
- Limited geographic reach
- Potential for higher operating costs
- Less brand recognition
Opportunities
- Expansion into new markets
- Increased demand for digital banking services
- Growing wealth management segment
- Strategic acquisitions
Threats
- Increased competition from larger banks
- Rising interest rates
- Economic downturn
- Cybersecurity risks
- Increased regulatory burden
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- USB
Competitive Landscape
NB Bancorp, Inc. Common Stock must differentiate itself through personalized service and community focus, competing with larger banks who have more resources and wider reach.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends cannot be provided as the business is hypothetical.
Future Projections: Future growth projections are not available as the business is hypothetical.
Recent Initiatives: No recent initiatives can be detailed as the business is hypothetical.
Summary
NB Bancorp, Inc. Common Stock is a new entry into a very competitive banking market. Its success will hinge on its ability to differentiate itself through superior customer service and a strong community focus. While it faces challenges from larger, more established banks, there are opportunities for growth through expansion and strategic acquisitions. A key risk factor is economic uncertainty.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Hypothetical Data Based on Industry Information
Disclaimers:
The information provided is based on hypothetical data and is intended for illustrative purposes only. It should not be considered investment advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About NB Bancorp, Inc. Common Stock
Exchange NASDAQ | Headquaters Needham, MA, United States | ||
IPO Launch date 2023-12-28 | President, CEO & Chairman Mr. Joseph P. Campanelli | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 376 | Website https://www.needhambank.com |
Full time employees 376 | Website https://www.needhambank.com | ||
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 the United States. 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. NB Bancorp, Inc. was founded in 1892 and is based in Needham, Massachusetts.
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