Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
NB Bancorp, Inc. (NBBK)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$22.02-3.08%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
2.60 → 2.51 EPS · FY ending Dec 31, 2027 · 1 analyst
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 6, 2026 to Nov 5, 2026: (new ÷ prior − 1). Contributor count changed from 1 to 1; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for NBBK yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
Three published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
Maintain disciplined capital return via buybacks and dividends | A supporting condition in NB Bancorp, Inc.'s published investment case. The stated target is Continue buybacks and dividends at recent levels. | Intact | No further buybacks or dividend cuts announced | Dividend $0.07/share maintained; buyback completed Board declared $0.07/share dividends in July and October 2026. Share repurchase program completed in May 2026. Nov 5, 2026Last status assessment Nov 5, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
Review earningsObserved price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
This is a smaller-cap bank with a growth-and-execution thesis, rather than a clear turnaround or a purely defensive case. The long-term thesis is recent, but its state is watch because performance has lagged its industry cohort, even though recent earnings reports were labeled beats.
NBBK is assessed as cheap versus peers, while the expectations gap is small and the valuation signal has high model confidence. Pricing is tagged as justified, with low fragility; the evidence does not point to unusually fragile expectations.
Near term, results are mixed: latest-quarter loans grew 5.3% and deposits grew 3.2%, while net charge-offs and non-performing loans both rose. Technology spending is increasing, but its customer and efficiency benefits remain prospective, and company momentum fell sharply; guidance cuts are a stated downside risk. Over the multi-year view, disciplined growth and stronger operating capabilities could support the business, but management execution has been volatile and recent financial performance has been weak.
The thesis hinges on whether loan and deposit growth can remain disciplined while credit quality stabilizes and technology investment produces benefits. A guidance cut or rate cuts from the current 3.88% level would weigh on the near-term setup, while continued earnings strength among sector bellwethers could support sector momentum.
For the next 1 to 3 years, NBBK has credible growth priorities and robust earnings quality, but the weaker recent results and deteriorating credit indicators make execution the key test. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| A primary condition in NB Bancorp, Inc.'s published investment case. The stated target is >= $0.38 EPS. |
| Improving |
| EPS falls below $0.38 in 2026-Q1 |
Diluted EPS: $0.58 per share FY2026-Q3; GAAP. Published target: >= $0.38 EPS. The stored target says 2026-Q1; this source reports FY2026-Q3. Fiscal/calendar alignment needs review. Nov 4, 20260.58 USD/share · source valueLast status assessment Nov 5, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Revenue decline limited to no worse than -9% in 2027 | A primary condition in NB Bancorp, Inc.'s published investment case. The stated target is revenue decline no worse than -9% YoY. | Improving | revenue decline worse than -9% YoY in FY27 | Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 5, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$2.50 → $2.51 · observed estimates
$0.32B → $0.33B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $2.50 | $315,273,000 | 2 / 1 |
| 2026-07-25 | $2.56 | $325,877,000 | 2 / 1 |
| 2026-07-26 | $2.50 | $315,273,000 | 2 / 1 |
| 2026-07-27 | $2.56 | $325,877,000 | 2 / 1 |
| 2026-07-28 | $2.56 | $325,877,000 | 2 / 1 |
| 2026-07-29 | $2.60 | $328,236,000 | 2 / 2 |
| 2026-07-30 | $2.60 | $328,236,000 | 2 / 2 |
| 2026-07-31 | $2.60 | $328,236,000 | 2 / 2 |
| 2026-08-01 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-08-02 | $2.60 | $328,236,000 | 2 / 2 |
| 2026-08-03 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-08-04 | $2.60 | $328,236,000 | 2 / 2 |
| 2026-08-05 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-08-06 | $2.60 | $328,236,000 | 2 / 2 |
| 2026-08-07 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-08-08 | $2.60 | $328,236,000 | 2 / 2 |
| 2026-08-09 | $2.60 | $328,236,000 | 2 / 2 |
| 2026-08-10 | $2.60 | $328,236,000 | 2 / 2 |
| 2026-08-12 | $2.60 | $328,236,000 | 2 / 2 |
| 2026-08-13 | $2.60 | $328,236,000 | 2 / 2 |
| 2026-08-14 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-08-15 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-08-16 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-08-17 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-08-18 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-08-19 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-08-20 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-08-21 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-08-22 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-08-23 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-08-24 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-08-25 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-08-26 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-08-27 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-08-28 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-08-29 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-08-30 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-08-31 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-09-01 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-09-02 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-09-03 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-09-04 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-09-05 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-09-06 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-09-07 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-09-08 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-09-09 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-09-10 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-09-11 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-09-12 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-09-13 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-09-14 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-09-15 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-09-16 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-09-17 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-09-18 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-09-19 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-09-20 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-09-21 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-09-22 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-09-23 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-09-24 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-09-25 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-09-26 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-09-27 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-09-28 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-09-29 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-09-30 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-10-01 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-10-02 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-10-03 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-10-04 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-10-05 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-10-06 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-10-07 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-10-08 | $2.60 | $328,236,000 | 1 / 1 |
| 2026-10-09 | $2.63 | $328,236,000 | 1 / 1 |
| 2026-10-10 | $2.63 | $328,236,000 | 1 / 1 |
| 2026-10-11 | $2.63 | $328,236,000 | 1 / 1 |
| 2026-10-12 | $2.63 | $328,236,000 | 1 / 1 |
| 2026-10-13 | $2.63 | $328,236,000 | 1 / 1 |
| 2026-10-14 | $2.63 | $328,236,000 | 1 / 1 |
| 2026-10-15 | $2.63 | $328,236,000 | 1 / 1 |
| 2026-10-16 | $2.63 | $328,236,000 | 1 / 1 |
| 2026-10-17 | $2.63 | $328,236,000 | 1 / 1 |
| 2026-10-18 | $2.58 | $329,903,000 | 1 / 1 |
| 2026-10-19 | $2.58 | $329,903,000 | 1 / 1 |
| 2026-10-20 | $2.58 | $329,903,000 | 1 / 1 |
| 2026-10-21 | $2.58 | $329,903,000 | 1 / 1 |
| 2026-10-22 | $2.58 | $329,903,000 | 1 / 1 |
| 2026-10-23 | $2.58 | $329,903,000 | 1 / 1 |
| 2026-10-24 | $2.58 | $329,903,000 | 1 / 1 |
| 2026-10-25 | $2.58 | $329,903,000 | 1 / 1 |
| 2026-10-26 | $2.58 | $329,903,000 | 1 / 1 |
| 2026-10-27 | $2.58 | $329,903,000 | 1 / 1 |
| 2026-10-28 | $2.51 | $328,947,000 | 1 / 1 |
| 2026-10-29 | $2.51 | $328,947,000 | 1 / 1 |
| 2026-10-30 | $2.51 | $328,947,000 | 1 / 1 |
| 2026-10-31 | $2.51 | $328,947,000 | 1 / 1 |
| 2026-11-01 | $2.51 | $328,947,000 | 1 / 1 |
| 2026-11-02 | $2.51 | $328,947,000 | 1 / 1 |
| 2026-11-03 | $2.51 | $328,947,000 | 1 / 1 |
| 2026-11-04 | $2.51 | $328,947,000 | 1 / 1 |
| 2026-11-05 | $2.51 | $328,947,000 | 1 / 1 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 1 Buy / Strong Buy · 1 Hold · 0 Sell / Strong Sell
Recent actions · Oct 7–Nov 5 · 1 recorded
0 raises · 0 cuts · 0 unchanged · 1 without a comparable prior
Oct 7, 2026–Nov 5, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
2 of 3 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.