Nb Bancorp, Inc. (NBBK) intrinsic value & 10-year financials
Nb Bancorp, Inc. (NBBK) has a Graham intrinsic value of $44.51 per share. At $21.86 on Oct 17, 2026, the stock trades 51% below that value. Over the last 5 fiscal years revenue grew 26.9% a year to $10.5M, with an average return on invested capital of 5.6%.
- Graham intrinsic value
- $44.51
- Share price (Oct 17, 2026)
- $21.86
- Price vs Graham value
- 51% below
- Market cap
- $822.5M
- Revenue (FY2025)
- $10.5M
- Revenue growth (5-yr CAGR)
- 26.9%
- ROIC (10-yr avg)
- 5.6%
- Free cash flow (FY2025)
- $57.4M
NBBK 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $10.5M | $50.3M | $1.34 | $57.4M | — | 6.2% |
| FY2024 | $7.8M | $42.1M | $1.07 | $41.2M | — | 5.5% |
| FY2023 | $7.8M | $9.8M | $0.23 | $50.1M | — | 1.8% |
| FY2022 | $5.1M | $30.1M | — | $31.2M | — | 9.0% |
| FY2021 | — | — | — | — | — | — |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
NB Bancorp, Inc. revenue growth over the past decade is N/A; insufficient history prevents a reliable 10-year CAGR calculation.
NB Bancorp, Inc. has historically struggled to out-earn its cost of capital, averaging just 5.6% ROIC.
NB Bancorp, Inc. capital allocation metrics are N/A for the decade; share count and net debt history are incomplete.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, NB Bancorp, Inc. is modeled at 15.0% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $44.51 per share.