Reading NBBK? Track it free: the weekly brief, plus an alert if the thesis breaks. No credit card.
Track NBBK free→Reading NBBK? Track it free: the weekly brief, plus an alert if the thesis breaks. No credit card.
Track NBBK free→NASDAQFinancialsBanks - RegionalSnapshot 2026-06-15
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
Recent financial performance is neutral, and management's recent track record has been unsteady, with frequent disruptive corporate changes. Earnings quality is mixed, and the sector backdrop is a headwind, indicating challenges in the current environment. Peer multiples imply a price about 7% above where it trades (it looks cheap on this basis); the read is fair. Key factors to watch include guidance changes and sector trends, as these could significantly impact NBBK's performance. This read is provisional.
Daily closes. Earnings/event dots are placed inline.
A consensus fair price across 5 valuation methods, at three horizons. Current price $20.27. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
No-growth: today's peer multiple on trailing earnings. The headline read.
Embeds projected growth. Leans optimistic by design. Upside context.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $20 NBBK trades at 12× p/e, below its 12× p/e peer median. Our $22 fair value sits above the price; high confidence. Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
The price sits about 7% below a flat-multiple fair value; not enough history to forecast a comparison. This describes what's priced in, not a forecast of the move.
Only a turbulent sector regime (Heating) — not the full expensive x weak x turbulent stack.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
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 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 52% of the time over the next year (vs 61% for the rest of the cohort, n=4936).
Over the trailing year it converted 1.49x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 58% of the time over the next year (vs 55% for the rest of the cohort, n=4725).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, Fed net liquidity, long-term interest rates.
The next print and the backdrop around it (sector regime and the AI cycle). Context for the path, not a forecast of returns.
EPS estimate $0.56 → $0.47 (-15.2% / 30d). 0 raised, 1 cut, 2 covering analysts.
0 upgrades, 0 downgrades / 30d. 50% of analysts rate Buy.
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.
What a normal day, a bad day, and the worst of the last year would mean for a $10,000 position.
On a typical day, $10k can swing ±$107.
How much price usually moves either way.
On a bad day, this stock has moved -$239.
A rough but not unusual down day (about the 95th percentile).
In the worst 12 months, $10k could have lost $1,537.
Deepest peak-to-trough drop in the last year.
Past results, not a forecast. Not investment advice.
The most important moves since the prior daily snapshot.
No material changes since the prior snapshot.
as of 2026-06-15
Specific, dated things to watch for, each with what would confirm it and what would prove it wrong.
Why it matters: FOMC decisions can change interest rates. This affects NB Bancorp's lending margins and profits. It is important for banks.
Confirms one read:When the FOMC raises interest rates, banks see better lending margins.
Confirms the other:FOMC lowers interest rates, squeezing lending margins for banks.
Recent news graded against this company's own objectives — whether it reinforces or challenges the thesis, and how confirmed it is.
No graded news catalysts for NBBK yet.
Conditional scenarios: if X happens, the view would shift in this direction. These are not predictions.
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
Other Events On May 13, 2026, NB Bancorp, Inc. (the “Company”) announced the completion of its stock repurchase program. Under the plan, the Company repurchased 2,207,236 shares, or approximately 5% of its then outstanding common stock. The shares were repurchased by the Company at an average price of $20.96 per share, including commission and excise tax . Since announcing its first stock repurchase program on January 22, 2025, through the completion of the third stock repurchase program,…
Whether the overall read has been drifting up or down lately, and how it's changed since last week.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Long-thesis check; widest uncertainty.
Roughly priced in line with peers.
Self-history needs ~20 months of data.
Trailing four: 2025-Q1, 2025-Q2, 2025-Q3, 2026-Q1
A side-by-side read on sector standing, valuation, and risk versus Regional Banks.
| Stock | Sector standing | Valuation | Risk |
|---|---|---|---|
NBBK NB Bancorp, Inc. | Typical Show detailsSector percentile: 35 of 100 | fair | moderate |
HDB HDFC BANK LTD | — | — | moderate |
IBN ICICI BANK LTD | — | — | moderate |
ITUB ITAU UNIBANCO HOLDING SA | — | — | moderate |
FITB Fifth Third Bancorp | Below typical Show detailsSector percentile: 2 of 100 | expensive | moderate |
18 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated volatile grew net income 54% of the time over the next year (vs 57% for the rest of the cohort, n=3774).
Not investment advice. As of 2026-06-15.
via XLF
Tailwind = sector leading the S&P 500; headwind = trailing. Both can be constructive. Historically, headwind regimes have averaged stronger forward returns than tailwind.
Context label only: describes the market state (e.g. real bear vs narrative panic, healthy uptrend vs late-stage froth). It is not a per-ticker buy/sell signal and does not predict factor performance.
Not investment advice. As of 2026-06-15.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
NB Bancorp aims to complete its stock repurchase program, buying back 5% of its outstanding shares.
Stated in 2 of last 2 quarters. NB Bancorp completed its stock repurchase program, buying back 2,207,236 shares at an average price of $20.96 per share. This aligns with the company's capital allocation strategy, showing delivery on its stated priority.
“NB Bancorp announced the completion of its stock repurchase program, repurchasing 2,207,236 shares.”
“The Board authorized the Company to purchase up to 2,288,509 shares, or 5%, of the Company’s outstanding shares.”
NB Bancorp aims to drive EPS growth through strategic investments and operational improvements.
Newly stated in 2026-Q1. NB Bancorp set an EPS guidance low of $0.38 for 2026, aiming to drive growth through strategic investments. The company's EPS for 2026-Q1 was $0.36, indicating limited progress towards the guidance target.
NB Bancorp is committed to maintaining regular dividend payments to shareholders.
Stated in 2 of last 2 quarters. NB Bancorp declared a dividend of $0.07 per share for both 2026-Q1 and 2026-Q2, maintaining its commitment to regular dividend payments. This consistent payout reflects the company's stable capital allocation strategy.
“The Board declared a dividend of $0.07 per share, to be paid May 20, 2026.”
Why it matters: A drop in revenue growth would signal a slowdown in the financial sector. This could impact NB Bancorp's performance and investor confidence.
Confirms:Revenue growth falls below the median of 15% year over year.
Disproves:Revenue growth remains at or above the median of 15% year over year.
Results of Operation and Financial Condition. On April 22, 2026, NB Bancorp, Inc. (the “Company”), the holding company for Needham Bank, issued a press release in which it announced its earnings for the quarter ended March 31, 2026. A copy of the press release announcing the results is included as Exhibit 99.1 to this Current Report on Form 8-K and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed incorporated by reference in…
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers. On April 22, 2026, the Company’s Board of Directors (the “Board”) approved and adopted the NB Bancorp, Inc. and Needham Bank Executive Annual Incentive Plan (the “EAIP”), effective as of January 1, 2026. The EAIP provides senior management executives of the Company and its affiliates with the opportunity to earn annual cash incentive awards, as d…
Other Events. On April 22, 2026, the Board declared a dividend of $0.07 per share. The dividend will be paid May 20, 2026 to stockholders of record as of May 6, 2026. The Company’s announcement of the Board’s dividend declaration is included in Exhibit 99 to this Current Report on Form 8-K as Exhibit 99.1 and is hereby incorporated by reference.
Results of Operation and Financial Condition. On January 22, 2026, NB Bancorp, Inc., the holding company for Needham Bank, issued a press release in which it announced its earnings for the quarter ended December 31, 2025. A copy of the press release announcing the results is included as Exhibit 99.1 to this Current Report on Form 8-K and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed incorporated by reference in any filing…
“We anticipate these investments to drive substantial benefits for both customers and shareholders.”
“The Board declared a dividend of $0.07 per share, to be paid February 19, 2026.”