NB Bancorp, Inc. (NBBK)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$23.16+0.83%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · NBBK
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Continue disciplined growth strategy focusing on increasing total loans and deposits to expand market share and improve profitability.
Stated as a priority in 2 of last 2 quarters. Total loans grew from $6.21B in 2026-Q1 to $6.42B in 2026-Q2 (+3.4%), and total deposits grew from $6.10B to $6.32B (+3.7%) in the same period. Management's trajectory is delivering with consistent quarterly growth and strong annualized growth rates.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated weak grew net income 57% of the time over the next year (vs 60% for the rest of the cohort, n=7680).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“Total loans increased 3.4% and total deposits increased 3.7% during the quarter.”
“Loans and core deposits grew on an annualized basis by 15.0% and 15.7%, respectively.”
Invest in technology, AI, and operational capabilities to enhance efficiency, scalability, and support revenue growth.
Stated as a priority in 2 of last 2 quarters. Management highlighted investments in AI and technology infrastructure to support scalable growth. Financials show increased data processing expenses ($4.4M in 2026-Q1 to $4.9M in 2026-Q2), reflecting ongoing investment. The trajectory shows continued commitment with operational expense increases aligned with stated investments.
“Targeted investments in artificial intelligence, improved internal systems and automation tools.”
“Advancing technology infrastructure to position for increased revenue growth and scalability.”
Continue disciplined capital allocation through quarterly dividends and completion of share repurchase programs.
Stated as a priority in 3 of last 3 quarters. The company declared consistent quarterly dividends of $0.07 per share in 2026-Q1 and 2026-Q2. The stock repurchase program completed in 2025-Q4 repurchased over 2.2 million shares at an average price of $20.96. The trajectory shows disciplined capital allocation with steady dividends and completed buybacks.
“Declared quarterly cash dividend of $0.07 per share payable August 19, 2026.”
“Declared quarterly cash dividend of $0.07 per share payable May 20, 2026.”
“Completed stock repurchase program, repurchasing 2,207,236 shares at average price $20.96.”
Focus on prudent credit risk management to sustain strong asset quality and low net charge-offs.
Stated as a priority in 2 of last 2 quarters. Net charge-offs improved significantly from 0.91% in 2026-Q1 to 0.07% in 2026-Q2, and non-performing loans decreased from 0.73% to 0.43% of total loans. Management's focus on credit quality is reflected in improving asset quality metrics, indicating delivering trajectory.
“Net charge-offs declined to 0.07% of average loans; non-performing loans decreased to 0.43%.”
“Credit quality remains strong with net charge-offs of 0.91% and non-performing loans of $45.6 million.”
Finish the multi-phase stock repurchase program initiated in early 2025 to return capital to shareholders.
Over the trailing year it converted 1.71x of net income into operating cash flow. Historically, Financials names rated robust grew net income 62% of the time over the next year (vs 56% for the rest of the cohort, n=6844).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, Fed net liquidity, real (inflation-adjusted) rates, long-term interest rates (low R² over the window).
23 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated volatile grew net income 59% of the time over the next year (vs 56% for the rest of the cohort, n=2797).
Not investment advice. As of 2026-09-04.