NBBK · NB Bancorp, Inc.
$21.98
+0.08 (+0.37%)
At close · Aug 20
Market Cap
$959.62M
Shares
43.82M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$21.98
Open$21.73
Day$21.53–22.05
52W close$16.87–23.32
Avg vol 30d353K
Short int1.7M · 3.8% float · 4.1d
Short vol32%
DataDec 2023–Aug 2026
Filing10-Q · Aug 7
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 7, 2026
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Strong
Sentiment
Neutral
Fundamentals
Excellent
Quant / Vol
Moderate
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+6%
above
Price vs 50-day avg
+2%
above
RSI (14)
45
neutral
MACD trend
Negative
52-week position
79%
mid-range
Momentum
relative strength
1-month return
−1%
trailing
6-month return
+3%
trailing
YTD return
+11%
this year
Relative strength
−8%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $22 › 200d $21 — 50d above 200d
Institutional flow
Distributing
-10% holders QoQ · +12 funds added
Insider flow
Distributing
Net -$45.9K over 90 days · 100% sells
Short interest
Falling
3.81% of float · ▼ -9.0% MoM · 4.1 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
159 holders — mid 2-yr range
Squeeze score
47
elevated · 0–100
Fundamentals
EPS growth
+25%
Y/Y
Free cash flow
$57.4M
Valuation
P/E 14.5
in line
Quant / Vol
risk profile
Volatility
26%
annualized · 1-yr
Max drawdown
−15%
past year
ATR
2.2%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+6%
Bullish
Price vs 50-day avg
+2%
Bullish
RSI (14)
45
Neutral
MACD trend
Negative
Bearish
52-week position
79%
Neutral
Market signals — smart money & positioning
Bearish · 2 of 6
Trend (MA cross)
No cross
50d $22 › 200d $21 — 50d above 200d
Institutional flow
Distributing
-10% holders QoQ · +12 funds added
Insider flow
Distributing
Net -$45.9K over 90 days · 100% sells
Short interest
Falling
3.81% of float · ▼ -9.0% MoM · 4.1 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
159 holders — mid 2-yr range
Price context
position in its 52-week range
Range low $17
Now $22 · 79%
Range high $23
vs 200-day avg +6%
vs 50-day avg +2%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Allowance for credit losses as a percent of total loans | 1.28% | Q2 2026 | — |
| Annualized net charge-offs | 0.07% | Q2 2026 | — |
| Annualized net charge-offs to average loans outstanding during the period | -0.07% | Q2'26 | — |
| Book value per share | $19.22 | Q2 2026 | — |
| Borrowings and brokered deposits as % of total assets | 12.1% | Q2 2026 | — |
| Commercial Real Estate / Total Indicative Risk-Based Capital | 94% | Q2'26 | — |
| Construction & Development / Total Indicative Risk-Based Capital | 327% | Q2'26 | — |
| Loans to deposit ratio | 102% | Q2 2026 | — |
| Net charge-offs (annualized) as a percent of average loans | 0.07% | Q2 2026 | — |
| Net interest margin | 4% | Q2'26 | — |
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| Net interest margin, excluding purchase accounting adjustments | 3.87% | Q2 FY2026 | — |
| Non-performing loans | $27.7M | Q2 2026 | — |
| Operating earnings per share, basic (non-GAAP) non-GAAP | $0.55 | Q2 FY2026 | — |
| Operating earnings per share, diluted (non-GAAP) non-GAAP | $0.55 | Q2 FY2026 | — |
| Operating effective tax rate (non-GAAP) non-GAAP | 23.1% | Q2'26 | — |
| Operating efficiency ratio non-GAAP | 57.66% | Q2 2026 | — |
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| Operating Net Income non-GAAP | $87.7M | Q2'26 | — |
| Operating net income (non-GAAP) non-GAAP | $21.88M | Q2 FY2026 | — |
| Operating noninterest expense (non-GAAP) non-GAAP | $43.07M | Q2 FY2026 | — |
| Operating Noninterest Expense / Average Assets non-GAAP | 2.39% | Q2'26 | — |
| Operating Noninterest Income / Average Assets non-GAAP | 0.31% | Q2'26 | — |
| Operating return on average assets (non-GAAP) non-GAAP | 1.21% | Q2 FY2026 | — |
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| Operating Return on Average Equity non-GAAP | 10.79% | Q2'26 | — |
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| Operating return on average shareholders' equity (non-GAAP) non-GAAP | 10.39% | Q2 FY2026 | — |
| Shareholders equity to total assets | 11.3% | Q2 2026 | — |
| Tangible book value per share (non-GAAP) non-GAAP | $18.51 | As of June 30, 2026 | — |
| Tangible shareholders' equity / tangible assets (non-GAAP) non-GAAP | 10.94% | As of June 30, 2026 | — |
| Tier 1 Capital Ratio | 11.95% | Q2'26 | — |
| Tier 1 Leverage Ratio | 11.26% | Q2'26 | — |
| Total Capital Ratio | 12.76% | Q2'26 | — |
| Total non-performing assets to total assets | 0.37% | As of June 30, 2026 | — |
| Total non-performing loans to total loans | 0.43% | As of June 30, 2026 | — |
| Yield on Loans | 6.7% | Q2'26 | — |
| Operating return on average shareholders' equity non-GAAP | 7.43% | Q1 2026 | — |
| Organic core deposit growth (annualized) | 12.1% | the fourth quarter of 2025 | — |
| Organic loan growth (annualized) | 9.4% | the fourth quarter of 2025 | — |
| Share repurchase program authorization | 2,288,509 | the fourth quarter of 2025 | — |
| Tangible book value dilution | 5.3% | the fourth quarter of 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
NBBK
this stock
NB Bancorp, Inc.
|
$959.62M | +10.9% | — | 14.5 | 3.8% |
|
MFG
Mizuho Financial Group Inc
|
$123.19B | +38.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.1% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +18.7% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| NBBK | -4.0% | -1.4% | +3.0% | -4.5% | +10.9% |
| SPY | -2.0% | +3.3% | +11.2% | +2.1% | +11.8% |
| vs SPY | -2.0% | -4.7% | -8.2% | -6.6% | -0.9% |
Capital returns
Latest dividend
$0.07
/ share · ex Aug 5, 2026
Paid (TTM)
$0.28
/ share · 4 payouts
Dividend yield (TTM, derived)
1.27%
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.