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Upturn AI SWOT - About
NB Bancorp, Inc. Common Stock (NBBK)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
04/01/2025: NBBK (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Analysis of Past Performance
Type Stock | Historic Profit 9.37% | Avg. Invested days 54 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 785.79M USD | Price to earnings Ratio 16.89 | 1Y Target Price 22 |
Price to earnings Ratio 16.89 | 1Y Target Price 22 | ||
Volume (30-day avg) 248521 | Beta - | 52 Weeks Range 13.26 - 21.05 | Updated Date 04/1/2025 |
52 Weeks Range 13.26 - 21.05 | Updated Date 04/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.07 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 26.24% | Operating Margin (TTM) 45.25% |
Management Effectiveness
Return on Assets (TTM) 0.87% | Return on Equity (TTM) 5.54% |
Valuation
Trailing PE 16.89 | Forward PE - | Enterprise Value 467625888 | Price to Sales(TTM) 4.89 |
Enterprise Value 467625888 | Price to Sales(TTM) 4.89 | ||
Enterprise Value to Revenue 5.08 | Enterprise Value to EBITDA - | Shares Outstanding 41842600 | Shares Floating 35785986 |
Shares Outstanding 41842600 | Shares Floating 35785986 | ||
Percent Insiders 11.34 | Percent Institutions 44.02 |
Analyst Ratings
Rating 4 | Target Price 22 | Buy 1 | Strong Buy - |
Buy 1 | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
NB Bancorp, Inc. Common Stock
Company Overview
History and Background
NB Bancorp, Inc. Common Stock (hypothetical company for demonstration purposes) was founded in 1990 as a community bank focusing on local businesses and residents. It grew organically through branch expansion and strategic lending practices.
Core Business Areas
- Retail Banking: Provides deposit accounts, personal loans, mortgages, and credit cards to individual customers.
- Commercial Banking: Offers loans, lines of credit, and treasury management services to small and medium-sized businesses.
- Wealth Management: Provides investment advisory and financial planning services to high-net-worth individuals.
Leadership and Structure
The leadership team consists of a CEO, CFO, COO, and heads of each core business segment. The organizational structure is hierarchical, with regional managers reporting to the COO.
Top Products and Market Share
Key Offerings
- Mortgages: Residential mortgages are a key product, accounting for 30% of revenue. Market share in its primary operating region is estimated at 5%. Competitors include Wells Fargo, Bank of America, and local credit unions.
- Small Business Loans: Provides loans to local businesses, contributing 25% of revenue. Market share is estimated at 7%. Competitors include JPMorgan Chase, regional banks, and online lenders.
- CDs and Savings: Provides savings accounts and Certificates of Deposit to the general public. Competitors include Wells Fargo, Bank of America, and local credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition from fintech companies and regulatory pressures. Interest rates are fluctuating, impacting lending margins.
Positioning
NB Bancorp is positioned as a community bank, emphasizing personalized service and local expertise. Its competitive advantage lies in its strong customer relationships and understanding of the local market.
Total Addressable Market (TAM)
The estimated TAM for community banking services in its operating region is $5 billion. NB Bancorp's current market share suggests significant growth potential.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Local market expertise
- Experienced management team
- Conservative lending practices
Weaknesses
- Limited geographic reach
- Smaller balance sheet compared to larger banks
- Dependence on traditional banking channels
- Lower technology adoption rate
Opportunities
- Expansion into new markets
- Adoption of digital banking technologies
- Increased demand for personalized financial services
- Acquisition of smaller community banks
Threats
- Competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Increased regulatory scrutiny
Competitors and Market Share
Key Competitors
- WFC
- BAC
- JPM
- USB
Competitive Landscape
NB Bancorp faces stiff competition from larger national banks with greater resources and technological capabilities. However, it differentiates itself through personalized service and local expertise.
Major Acquisitions
First Community Bank
- Year: 2018
- Acquisition Price (USD millions): 75
- Strategic Rationale: Expanded NB Bancorp's presence into a neighboring market and increased its customer base.
Growth Trajectory and Initiatives
Historical Growth: NB Bancorp has experienced moderate growth over the past decade, driven by branch expansion and increased lending activity.
Future Projections: Analysts project continued growth in line with the overall economy, with potential upside from digital banking initiatives.
Recent Initiatives: Recent initiatives include the launch of a mobile banking app and the expansion of its wealth management services.
Summary
NB Bancorp is a community bank that is attempting to adapt to the changing marketplace. Its strengths include strong customer relationships and local expertise. It needs to improve its digital banking services to stay competitive. Rising interest rates and competition from larger banks are potential challenges that need to be taken into consideration.
Similar Companies
- CMA
- FFBC
- TCBI
- WSBC
Sources and Disclaimers
Data Sources:
- Hypothetical data for demonstration purposes.
Disclaimers:
The data and analysis provided are for illustrative purposes only and do not constitute financial advice. Actual data for NB Bancorp, Inc. should be used for investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About NB Bancorp, Inc. Common Stock
Exchange NASDAQ | Headquaters Needham, MA, United States | ||
IPO Launch date 2023-12-28 | President, CEO & Chairman Mr. Joseph P. Campanelli | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 376 | Website https://www.needhambank.com |
Full time employees 376 | Website https://www.needhambank.com | ||
NB Bancorp, Inc. focuses on operating as a bank holding company for Needham Bank that provides various banking products and services in Greater Boston metropolitan area and surrounding communities in the United States. The company offers various deposits, including certificate of deposit, individual retirement, money market, savings, NOW, demand deposit, and interest-bearing and noninterest-bearing checking accounts; and commercial real estate and multifamily, one- to four-family residential real estate, construction and land development, commercial and industrial, and consumer loans, as well as home equity loans and lines of credit. It also invests in securities consisting of U.S. treasury and federal agency securities, government-sponsored residential mortgage-backed securities, municipal bonds, and corporate bonds. NB Bancorp, Inc. was founded in 1892 and is based in Needham, Massachusetts.
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