NBBK
Financial ServicesNB Bancorp, Inc. Common Stock · Banks - Regional · $840M
What is NB Bancorp, Inc. Common Stock?
NB Bancorp, Inc. is the holding company for Needham Bank, a community-focused institution serving Greater Boston and surrounding New England communities. The bank has deep roots in Massachusetts, tracing its origins to 1892.
Needham Bank generates revenue primarily through traditional community banking — accepting deposits and making loans across residential real estate, commercial real estate, construction, and commercial and industrial segments. The bank also maintains an investment portfolio of government and agency securities, mortgage-backed securities, municipal bonds, and corporate bonds. Its geographic footprint spans Greater Boston, eastern Connecticut, southern New Hampshire, and Rhode Island, positioning it as a regional lender with a community-banking identity.
Needham Bank was founded in 1892 and is headquartered in Needham, Massachusetts; NB Bancorp became its public holding company in 2023.
- Commercial real estate and multifamily loans
- Residential mortgage and home equity lending
- Commercial and industrial loans
- Deposit accounts including money market, CDs, and IRAs
- Investment securities portfolio management
Is NBBK a Good Stock to Buy?
UQS Score rates NBBK as Good overall, reflecting a balanced but nuanced profile for a small-cap community bank.
The Risk pillar stands out as the clearest positive — NBBK's balance sheet and credit posture compare favorably within the community banking space. Valuation is rated Attractive, suggesting the market may not be fully pricing in the bank's fundamentals relative to peers.
The Moat pillar registers as Weak, which is common for community banks lacking the scale or proprietary advantages of larger institutions. Quality and Growth both sit at Neutral, indicating room for improvement in earnings consistency and expansion.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does NBBK pay dividends?
Yes — NB Bancorp, Inc. Common Stock pays a dividend.
NBBK pays a regular dividend, which is notable for a bank that only recently completed its public offering. Community banks often initiate dividends to signal financial stability and attract income-oriented shareholders. For investors seeking yield alongside regional banking exposure, NBBK's dividend policy adds a layer of total-return potential worth monitoring.
When does NBBK report earnings?
NB Bancorp reports earnings on a quarterly cadence, consistent with standard practice for US-listed bank holding companies.
As a recently public community bank, NBBK's quarterly results reflect the typical rhythm of net interest income, loan growth, and credit quality metrics that define regional banking performance. Investors should watch deposit trends and loan portfolio composition across reporting periods.
For the most recent quarter's results and guidance, visit NB Bancorp's investor relations page directly.
NBBK Price History
+52.8% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in NB Bancorp, Inc. Common Stock?
Based on NB Bancorp, Inc. Common Stock's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
NBBK Long-term Outlook
NBBK's Growth pillar at Neutral suggests the bank is expanding at a measured pace rather than posting outsized loan or deposit growth. The Good Risk rating indicates the credit book appears well-managed, which could support earnings stability even in a challenging rate environment. The Attractive Valuation label points to potential upside if the bank executes on its community lending strategy and grows its New England footprint over time.
Growth drivers
- Expansion of commercial real estate and C&I loan portfolios across Greater Boston
- Deposit gathering in underserved New England communities
- Potential margin improvement as the bank matures post-IPO
Key risks
- Interest rate sensitivity affecting net interest margin in a volatile rate environment
- Limited competitive moat relative to larger regional and national banks
- Concentration risk tied to the Greater Boston real estate market
NBBK vs Peers
NBBK operates in a crowded community and regional banking landscape — here is how it sits alongside select peers.
Hanmi focuses on Korean-American business communities nationwide, giving it a distinct ethnic-niche deposit base that differs from NBBK's New England geographic focus.
Eagle Bancorp is a Washington D.C.-area commercial lender with a heavier concentration in commercial real estate, operating at a larger scale than NBBK.
First Community Bankshares serves the mid-Atlantic and Southeast, offering a longer public track record and broader regional diversification compared to NBBK's New England footprint.
Frequently Asked Questions
What does NB Bancorp do?
NB Bancorp is the holding company for Needham Bank, a Massachusetts-based community bank. It provides deposit accounts, residential and commercial real estate loans, construction financing, and commercial lending across Greater Boston and surrounding New England states.
Does NBBK pay dividends?
Yes, NBBK pays a regular dividend. For a bank that only recently went public, initiating a dividend signals a commitment to returning capital to shareholders. Income-focused investors should review the current dividend rate on the company's investor relations page.
When does NBBK report earnings?
NB Bancorp follows a standard quarterly earnings cadence for US-listed companies. Specific dates are not covered by our data source — check the company's investor relations page or a financial calendar for the next scheduled report.
Is NBBK a good stock to buy?
UQS Score rates NBBK as Good overall. The Attractive Valuation and Good Risk labels are positives, while the Weak Moat and Neutral Quality suggest the bank still has ground to cover. The full pillar breakdown is available to UQS Pro members.
Is NBBK overvalued?
Based on the UQS Valuation pillar, NBBK is rated Attractive — meaning the stock appears reasonably priced or potentially undervalued relative to its fundamentals. This does not guarantee price appreciation, but it suggests the market has not aggressively priced in future growth.
How does NBBK compare to its competitors?
Compared to peers like Hanmi Financial, Eagle Bancorp, and First Community Bankshares, NBBK is a smaller, geographically concentrated community bank. Its Attractive Valuation may stand out, but its Weak Moat reflects the limited pricing power typical of smaller regional lenders.
What is NBBK's market cap bracket?
NBBK is classified as a small-cap stock. This places it among smaller publicly traded banks, which typically carry higher volatility and liquidity risk than large-cap financial institutions, but may also offer more room for growth from a lower base.
Who founded NB Bancorp?
Needham Bank, the operating subsidiary, was founded in 1892 in Needham, Massachusetts. NB Bancorp, Inc. was established as the public holding company in 2023 to facilitate the bank's stock offering. Founding details are widely available through the company's public filings.
Is NBBK a long-term quality investment?
As a long-term quality indicator, NBBK's Good UQS Score reflects a mixed but constructive profile. The Good Risk and Attractive Valuation pillars support a case for patient investors, while the Weak Moat is a factor to monitor as the bank competes in a crowded regional market.
What is the main competitive advantage of NB Bancorp?
Needham Bank's primary advantage is its deep community ties across Greater Boston and New England, built over more than a century of local lending. However, the UQS Moat pillar rates this as Weak, reflecting the structural challenge community banks face against larger, better-resourced competitors.
What sector does NBBK belong to?
NBBK operates in the Financial Services sector, specifically within community and regional banking. This sector is sensitive to interest rate movements, credit cycles, and regulatory requirements — all factors that influence the UQS Risk and Quality pillar assessments.
Unlock Full NBBK Analysis
Sign in to unlock the detailed analysis behind the UQS Score.
- ✓View the exact UQS pillar scores for NBBK
- ✓Access full financial metrics and trend data
- ✓Compare NBBK against rated peers side by side
- ✓Screen small-cap banks by Risk and Valuation labels
- ✓Get the complete analyst-style quality breakdown
Pro Analysis
NBBK — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| Jun 10, 2026 | 50.8 | 61.9 | 21.0 | 53.1 | 36.4 | 93.3 | -0.1 |
| Jun 9, 2026 | 50.9 | 61.9 | 21.0 | 54.0 | 36.4 | 93.1 | -0.1 |
| Jun 5, 2026 | 51.0 | 61.9 | 21.0 | 54.0 | 36.4 | 93.3 | 0.0 |
| Jun 3, 2026 | 51.0 | 61.9 | 21.0 | 54.0 | 36.4 | 93.6 | -0.1 |
| May 28, 2026 | 51.1 | 61.9 | 21.0 | 54.0 | 36.4 | 93.9 | +0.1 |
| May 27, 2026 | 51.0 | 61.9 | 21.0 | 54.0 | 36.4 | 93.3 | -0.1 |
| May 24, 2026 | 51.1 | 61.9 | 21.0 | 54.0 | 36.4 | 94.2 | +0.2 |
| May 23, 2026 | 50.9 | 61.9 | 21.0 | 53.1 | 36.4 | 94.1 | -5.0 |
| May 1, 2026 | 55.9 | 59.7 | 21.0 | 54.0 | 72.7 | 93.2 | +0.1 |
| Apr 26, 2026 | 55.8 | 59.7 | 21.0 | 53.7 | 72.7 | 93.2 | +0.1 |
NBBK — Pillar Breakdown
Quality
— 61.9/100 (25%)NB Bancorp, Inc. Common Stock shows solid profitability with healthy returns on capital and reasonable margins.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 53.1/100 (20%)NB Bancorp, Inc. Common Stock shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 36.4/100 (15%)NB Bancorp, Inc. Common Stock has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 93.7/100 (15%)NB Bancorp, Inc. Common Stock appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 21/100 (25%)NB Bancorp, Inc. Common Stock operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for NBBK.
Score Composition
Financial Data
More Stock Analysis
How is the NBBK UQS Score Calculated?
The UQS (Unified Quality Score) for NB Bancorp, Inc. Common Stock is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses NB Bancorp, Inc. Common Stock's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether NB Bancorp, Inc. Common Stock is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.