NB Bancorp, Inc.

NNASDAQ:NBBKNasdaq Stock Market

23.05

USD

+0.66

(+2.95%)

1.50EPS

14.01P/E

925.88MMarket Cap

Jan 28Next Earn

Profitability (USD)

Profitability Ratios API ChatGPT

	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	8.97	1.78	5.53	6.19
Return on Assets (%)	- -	0.92	0.24	0.87	0.83
Return on Capital (%)	- -	6.24	1.17	4.37	5.18
Return on Invested Capital (%)	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -
Pretax Margin (%)	32.07	32.11	8.05	33.74	33.29
Profit Margin (%)	25.04	26.53	6.68	24.26	23.54
Net Income to Common Margin (%)	25.04	26.53	6.68	24.26	23.54
Effective Tax Rate (%)	21.92	17.38	17.05	28.1	29.28
Dvd Payout Ratio (%)	- -	- -	- -	- -	11.08
Sustainable Growth Rate (%)	- -	8.97	1.78	5.53	5.51

Credit (USD)

Credit Ratios API ChatGPT

	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	293	283	121	196
ST Debt	- -	- -	- -	100	169
LT Debt	- -	293	283	21	27
Total Debt/EBITDA	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -
Common Equity/Total Assets	11.16	9.58	16.72	14.84	12.26
Long-Term Debt/Equity (%)	0.08	85.18	37.38	2.72	3.17
Long-Term Debt/Capital (%)	0.08	46	27.21	2.35	2.58
Long-Term Debt/Total Assets (%)	0.01	8.16	6.25	0.4	0.39
Total Debt/Equity (%)	0.08	85.18	37.38	15.79	22.85
Total Debt/Capital (%)	0.08	46	27.21	13.64	18.6
Total Debt/Total Assets (%)	0.01	8.16	6.25	2.34	2.8
Net Debt to Equity	-140.11	47.09	25.44	-11.81	-15.07
Net Debt/Capital (%)	349.34	32.01	20.28	-13.39	-17.75
EBITDA	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -
Common Equity/Total Assets	11.16	9.58	16.72	14.84	12.26
Long-Term Debt/Equity (%)	0.08	85.18	37.38	2.72	3.17
Long-Term Debt/Capital (%)	0.08	46	27.21	2.35	2.58
Long-Term Debt/Total Assets (%)	0.01	8.16	6.25	0.4	0.39
Total Debt/Equity (%)	0.08	85.18	37.38	15.79	22.85
Total Debt/Capital (%)	0.08	46	27.21	13.64	18.6
Total Debt/Total Assets (%)	0.01	8.16	6.25	2.34	2.8
CFO/Total Liabilities	1.69	1.22	1.4	0.98	0.99
CFO/CapEx	24.29	4.67	18.46	22.28	17.79
Altman's Z-Score	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	12.34	10.46	9.4	9.48
Days Sales Outstanding	- -	29.59	34.89	38.83	38.5
Inventory Turnover	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	574	771	907
- Cash & Cash Equivalents	457	131	90	211	326
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -
+ Total Debt	- -	293	283	121	196
Enterprise Value	- -	- -	578	453	509
Total Capital	326	637	1,041	886	1,055
Total Debt/Capital (%)	0.08	46	27.21	13.64	18.6
Total Debt / EV	- -	- -	0.49	0.27	0.39
EV/Sales	- -	- -	3.93	2.61	2.38
EV/EBITDA	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	10.92	10.48	8.37
EV/Free Cash Flow to Firm	- -	- -	11.55	10.98	8.87
Diluted Market Cap	- -	- -	565	711	758
Diluted Enterprise Value	- -	- -	569	393	360
EV per Share	- -	- -	13.53	10.6	11.11
TTM Sales	86	113	147	174	214
TTM EBITDA	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	44	40	53	43	61
TTM Free Cash Flow to Firm	42	31	50	41	57

Multiples (USD)

Valuation Multiples API ChatGPT

	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	11.3	17.25	13.22
EV/EBIT	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	578	453	509
Low Price	- -	- -	13.45	13.1	15.09
EV/Sales	- -	- -	3.93	2.61	2.38
EV/EBITDA	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	57.52	16.88	14.99
Price/Earnings Average	- -	- -	58.21	15.32	13.78
Price/Earnings High	- -	- -	60.64	19.67	16.32
Price/Earnings Low	- -	- -	57.52	12.24	11.42
Price/Book Value	- -	- -	0.76	1.01	1.06
Price/Book Value Average	- -	- -	0.77	0.91	0.97
Price/Book Value High	- -	- -	0.8	1.17	1.15
Price/Book Value Low	- -	- -	0.76	0.73	0.8
Price/Tangible Book Value	- -	- -	0.76	1.01	1.1
Price/Tangible Book Value Average	- -	- -	0.77	0.92	1.02
Price/Tangible Book Value High	- -	- -	0.8	1.18	1.2
Price/Tangible Book Value Low	- -	- -	0.76	0.73	0.84
Price/Sales	- -	- -	3.84	4.09	3.53
Price/Sales Average	- -	- -	3.89	3.72	3.24
Price/Sales High	- -	- -	4.05	4.77	3.84
Price/Sales Low	- -	- -	3.84	2.97	2.69
Price/Cash Flow	- -	- -	10.68	16.47	12.4
Price/Cash Flow Average	- -	- -	10.81	14.95	11.4
Price/Cash Flow High	- -	- -	11.26	19.2	13.5
Price/Cash Flow Low	- -	- -	10.68	11.95	9.45
Price/Free Cash Flow Average	- -	- -	11.43	15.65	12.15
Price/Free Cash Flow High	- -	- -	11.91	20.1	14.39
Price/Free Cash Flow Low	- -	- -	11.3	12.51	10.07
EV/Sales Average	- -	- -	3.97	2.2	2.04
EV/Sales High	- -	- -	4.14	3.34	2.76
EV/Sales Low	- -	- -	3.93	1.39	1.37
EV/EBITDA Average	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -
Last Price	- -	- -	13.45	18.06	19.82
High Price	- -	- -	14.18	21.05	21.58
Enterprise Value Average	- -	- -	585	382	435
Enterprise Value High	- -	- -	609	580	589
Enterprise Value Low	- -	- -	578	241	292

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	43	43	43	43	46
Diluted Weighted Avg Shares	43	43	42	39	38
Basic Weighted Avg Shares	43	43	42	39	38
Revenue per Share	2.02	2.65	3.5	4.41	5.62
EBITDA per Share	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.51	0.7	0.23	1.07	1.32
Basic EPS from Cont Ops	0.51	0.7	0.23	1.07	1.32
Diluted EPS, GAAP	0.51	0.7	0.23	1.07	1.31
Diluted EPS from Cont Ops	0.51	0.7	0.23	1.07	1.31
Dividend per Share	- -	- -	- -	- -	0.15
Cash Flow per Share	1.03	0.93	1.26	1.1	1.6
Free Cash Flow per Basic Share	0.98	0.73	1.19	1.05	1.51
Cash & Equivalents per Share	16.79	8.82	6.56	10.29	12.99
Book Value per Share	7.64	8.06	17.75	17.92	18.77
Tangible Book Value per Share	7.64	8.06	17.75	17.89	17.94

Profitability (USD)

Profitability Ratios API ChatGPT

	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	8.97	1.78	5.53	6.19
Return on Assets (%)	- -	0.92	0.24	0.87	0.83
Return on Capital (%)	- -	6.24	1.17	4.37	5.18
Return on Invested Capital (%)	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -
Pretax Margin (%)	32.07	32.11	8.05	33.74	33.29
Profit Margin (%)	25.04	26.53	6.68	24.26	23.54
Net Income to Common Margin (%)	25.04	26.53	6.68	24.26	23.54
Effective Tax Rate (%)	21.92	17.38	17.05	28.1	29.28
Dvd Payout Ratio (%)	- -	- -	- -	- -	11.08
Sustainable Growth Rate (%)	- -	8.97	1.78	5.53	5.51

Credit (USD)

Credit Ratios API ChatGPT

	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	293	283	121	196
ST Debt	- -	- -	- -	100	169
LT Debt	- -	293	283	21	27
Total Debt/EBITDA	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -
Common Equity/Total Assets	11.16	9.58	16.72	14.84	12.26
Long-Term Debt/Equity (%)	0.08	85.18	37.38	2.72	3.17
Long-Term Debt/Capital (%)	0.08	46	27.21	2.35	2.58
Long-Term Debt/Total Assets (%)	0.01	8.16	6.25	0.4	0.39
Total Debt/Equity (%)	0.08	85.18	37.38	15.79	22.85
Total Debt/Capital (%)	0.08	46	27.21	13.64	18.6
Total Debt/Total Assets (%)	0.01	8.16	6.25	2.34	2.8
Net Debt to Equity	-140.11	47.09	25.44	-11.81	-15.07
Net Debt/Capital (%)	349.34	32.01	20.28	-13.39	-17.75
EBITDA	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -
Common Equity/Total Assets	11.16	9.58	16.72	14.84	12.26
Long-Term Debt/Equity (%)	0.08	85.18	37.38	2.72	3.17
Long-Term Debt/Capital (%)	0.08	46	27.21	2.35	2.58
Long-Term Debt/Total Assets (%)	0.01	8.16	6.25	0.4	0.39
Total Debt/Equity (%)	0.08	85.18	37.38	15.79	22.85
Total Debt/Capital (%)	0.08	46	27.21	13.64	18.6
Total Debt/Total Assets (%)	0.01	8.16	6.25	2.34	2.8
CFO/Total Liabilities	1.69	1.22	1.4	0.98	0.99
CFO/CapEx	24.29	4.67	18.46	22.28	17.79
Altman's Z-Score	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	12.34	10.46	9.4	9.48
Days Sales Outstanding	- -	29.59	34.89	38.83	38.5
Inventory Turnover	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	574	771	907
- Cash & Cash Equivalents	457	131	90	211	326
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -
+ Total Debt	- -	293	283	121	196
Enterprise Value	- -	- -	578	453	509
Total Capital	326	637	1,041	886	1,055
Total Debt/Capital (%)	0.08	46	27.21	13.64	18.6
Total Debt / EV	- -	- -	0.49	0.27	0.39
EV/Sales	- -	- -	3.93	2.61	2.38
EV/EBITDA	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	10.92	10.48	8.37
EV/Free Cash Flow to Firm	- -	- -	11.55	10.98	8.87
Diluted Market Cap	- -	- -	565	711	758
Diluted Enterprise Value	- -	- -	569	393	360
EV per Share	- -	- -	13.53	10.6	11.11
TTM Sales	86	113	147	174	214
TTM EBITDA	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	44	40	53	43	61
TTM Free Cash Flow to Firm	42	31	50	41	57

Multiples (USD)

Valuation Multiples API ChatGPT

	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	11.3	17.25	13.22
EV/EBIT	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	578	453	509
Low Price	- -	- -	13.45	13.1	15.09
EV/Sales	- -	- -	3.93	2.61	2.38
EV/EBITDA	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	57.52	16.88	14.99
Price/Earnings Average	- -	- -	58.21	15.32	13.78
Price/Earnings High	- -	- -	60.64	19.67	16.32
Price/Earnings Low	- -	- -	57.52	12.24	11.42
Price/Book Value	- -	- -	0.76	1.01	1.06
Price/Book Value Average	- -	- -	0.77	0.91	0.97
Price/Book Value High	- -	- -	0.8	1.17	1.15
Price/Book Value Low	- -	- -	0.76	0.73	0.8
Price/Tangible Book Value	- -	- -	0.76	1.01	1.1
Price/Tangible Book Value Average	- -	- -	0.77	0.92	1.02
Price/Tangible Book Value High	- -	- -	0.8	1.18	1.2
Price/Tangible Book Value Low	- -	- -	0.76	0.73	0.84
Price/Sales	- -	- -	3.84	4.09	3.53
Price/Sales Average	- -	- -	3.89	3.72	3.24
Price/Sales High	- -	- -	4.05	4.77	3.84
Price/Sales Low	- -	- -	3.84	2.97	2.69
Price/Cash Flow	- -	- -	10.68	16.47	12.4
Price/Cash Flow Average	- -	- -	10.81	14.95	11.4
Price/Cash Flow High	- -	- -	11.26	19.2	13.5
Price/Cash Flow Low	- -	- -	10.68	11.95	9.45
Price/Free Cash Flow Average	- -	- -	11.43	15.65	12.15
Price/Free Cash Flow High	- -	- -	11.91	20.1	14.39
Price/Free Cash Flow Low	- -	- -	11.3	12.51	10.07
EV/Sales Average	- -	- -	3.97	2.2	2.04
EV/Sales High	- -	- -	4.14	3.34	2.76
EV/Sales Low	- -	- -	3.93	1.39	1.37
EV/EBITDA Average	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -
Last Price	- -	- -	13.45	18.06	19.82
High Price	- -	- -	14.18	21.05	21.58
Enterprise Value Average	- -	- -	585	382	435
Enterprise Value High	- -	- -	609	580	589
Enterprise Value Low	- -	- -	578	241	292

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	43	43	43	43	46
Diluted Weighted Avg Shares	43	43	42	39	38
Basic Weighted Avg Shares	43	43	42	39	38
Revenue per Share	2.02	2.65	3.5	4.41	5.62
EBITDA per Share	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.51	0.7	0.23	1.07	1.32
Basic EPS from Cont Ops	0.51	0.7	0.23	1.07	1.32
Diluted EPS, GAAP	0.51	0.7	0.23	1.07	1.31
Diluted EPS from Cont Ops	0.51	0.7	0.23	1.07	1.31
Dividend per Share	- -	- -	- -	- -	0.15
Cash Flow per Share	1.03	0.93	1.26	1.1	1.6
Free Cash Flow per Basic Share	0.98	0.73	1.19	1.05	1.51
Cash & Equivalents per Share	16.79	8.82	6.56	10.29	12.99
Book Value per Share	7.64	8.06	17.75	17.92	18.77
Tangible Book Value per Share	7.64	8.06	17.75	17.89	17.94