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
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 | -8.7% |
| Our one-year growth estimate | diamond | -13.3% |
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 2026-09-04.
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 4.6 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
NBBK — dividend update
Dated 2026-07-22
Other Events. On July 22, 2026, the Board of Directors of the Company (the “Board”) declared a dividend of $0.07 per share. The dividend will be paid August 19, 2026 to shareholders of record as of August 5, 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: Meeting or exceeding the EPS guidance shows progress in growth efforts. It signals that the company's investments are paying off.
Supportive ifQ2 EPS reported at or above $0.38.
Worry ifQ2 EPS reported below $0.36.
Why it matters: A drop in revenue growth signals a potential slowdown in the financial sector. This could impact NB Bancorp's performance.
Worry ifRevenue growth reported below the median of the last three years.
Less concerning ifRevenue growth remains above the median.
Why it matters: Slower EPS growth may mean it is hard to keep profits with rising costs.
Worry ifOperating EPS growth is below 24% in Q3. This may show profit issues.
Less concerning ifOperating EPS growth is over 24% in Q3. This shows strong performance.
Why it matters: Earnings per share is a key measure of profitability. A drop may raise concerns about growth.
Worry ifOperating EPS falls below $0.50 in Q3.
Less concerning ifOperating EPS stays at or above $0.50 in Q3.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$78 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $230 loss on $10,000 · 2.3% | 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.
Why it matters: Completing the buyback program shows commitment to returning value to shareholders. It can boost share price.
Supportive ifThis confirms that a new stock buyback program is complete.
Worry ifNo announcement of a new buyback program after the current one ends.
Why it matters: A higher efficiency ratio means costs are rising compared to income. This could hurt profit and growth.
Worry ifEfficiency ratio worsens to above 58.92% in Q3 2026.
Less concerning ifEfficiency ratio improves to 58.92% or better in Q3 2026.
Why it matters: If sector revenue growth drops below its median, it could impact NB Bancorp's performance.
Worry ifSector revenue growth falls below its median.
Less concerning ifSector revenue growth remains above its median.
Why it matters: Loan growth is key to NB Bancorp's strategy. Slower growth could signal issues.
Worry ifQ3 gross loans increase less than 3.4% compared to Q2.
Less concerning ifQ3 gross loans grow at or above 3.4% compared to Q2.
Why it matters: Rising charge-offs may show weaker credit quality. This could hurt investor confidence.
Worry ifNet charge-offs exceed 0.07% of average loans in Q3.
Less concerning ifNet charge-offs remain at or below 0.07% of average loans in Q3.
Why it matters: A drop in net interest margin may hurt profits and growth.
Worry ifQ3 net interest margin drops below 4.00%.
Less concerning ifQ3 net interest margin stays at or above 4.00%.
Why it matters: Increased expenses could signal a commitment to growth but may pressure profits.
Watch forTechnology investment costs are over $4.9 million in Q3.
Also watch forTechnology investment costs are at or below $4.9 million in Q3.