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
QuarterlyIQ Insights · NBBK
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -13.8% |
| Our one-year growth estimate | diamond | -20.9% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-05.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 7.1 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-05 · Compared with 230 industry peers · Company calendar date is not available
NBBK — dividend update
Dated 2026-10-15
Other Events. On October 15, 2026, the Board of Directors of the Company (the “Board”) declared a dividend of $0.07 per share. The dividend will be paid November 12, 2026 to shareholders of record as of October 29, 2026. A copy of the press release announcing the declaration of the dividend is attached to this Current Report on Form 8-K as Exhibit 99.1 and is hereby incorporated by reference.
Why it matters: The Bank is reducing this non-strategic loan book. A lower balance would show that the run-off continues.
Supportive ifA later report shows the BankProv enterprise value loan balance below $95.9 million.
Worry ifThe balance stays at or above $95.9 million, or rises from the Q3 level.
Why it matters: The margin fell from 4.00% to 3.97% in Q3, even as loans grew. A further drop could weigh on earnings.
Worry ifQ4 net interest margin falls below 3.97%, the Q3 reported level.
Less concerning ifQ4 net interest margin holds at or above 3.97%.
Why it matters: Annual loan charge-offs rose to 0.31% from 0.07%. A further rise, with more non-performing loans, would signal weaker credit.
Worry ifAnnual net charge-offs exceed 0.31% of average loans, or bad loans exceed 0.53% of all loans.
Less concerning ifAnnualized net charge-offs fall below 0.31%, and bad loans stay at or below 0.53% of total loans.
Why it matters: Loans grew 5.3% in Q3, while deposits grew 3.2%. A repeat could add pressure to cash and funding costs.
Worry ifQ4 loans grow faster than deposits again, and cash or cash equivalents fall below the Q3 level of $266.1 million.
Less concerning ifQ4 deposit growth matches or exceeds loan growth, while cash stays at or above $266.1 million.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$68 on $10,000 · ±0.7% | How much price usually moves either way. |
| Bad day | $221 loss on $10,000 · 2.2% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,537 loss on $10,000 · 15.4% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.