NB Bancorp (NBBK)
Market Price (2/16/2026): $22.11 | Market Cap: $782.1 MilSector: Financials | Industry: Regional Banks
NB Bancorp (NBBK)
Market Price (2/16/2026): $22.11Market Cap: $782.1 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 7.4%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 3.2%, FCF Yield is 10% | Trading close to highsDist 52W High is -1.1%, Dist 3Y High is -1.1% | Key risksNBBK key risks include [1] significant loan portfolio concentrations in commercial real estate, Show more. |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -33% | Weak multi-year price returns3Y Excs Rtn is -3.6% | |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 42%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 41% | ||
| Low stock price volatilityVol 12M is 27% |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 7.4%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 3.2%, FCF Yield is 10% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -33% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 42%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 41% |
| Low stock price volatilityVol 12M is 27% |
| Trading close to highsDist 52W High is -1.1%, Dist 3Y High is -1.1% |
| Weak multi-year price returns3Y Excs Rtn is -3.6% |
| Key risksNBBK key risks include [1] significant loan portfolio concentrations in commercial real estate, Show more. |
Qualitative Assessment
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NB Bancorp (NBBK) stock has gained about 25% since 10/31/2025 because of the following key factors:
1. Successful Completion of Strategic Merger.
NB Bancorp completed its acquisition of Provident Bancorp, Inc. on November 15, 2025, a transaction valued at $211.8 million. This merger expanded Needham Bank's footprint, adding approximately $1.42 billion in total assets and increasing the combined organization's total assets to around $7.1 billion by December 31, 2025. The deal is anticipated to be 19% accretive to NB Bancorp's earnings per share (EPS) in 2026.
2. Strong Fourth Quarter 2025 Operating Financial Results.
On January 22, 2026, NB Bancorp reported robust operating results for the fourth quarter of 2025. The company announced an operating EPS of $0.51, surpassing analysts' consensus estimates of $0.47 to $0.49. Key financial highlights included a 22.0% increase in net interest income to $58.8 million and a 14 basis point expansion in net interest margin for the quarter. The company also achieved strong organic growth, with loans (excluding those held for sale) increasing by 9.4% and core deposits by 12.1% on an annualized basis.
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1. Successful Completion of Strategic Merger.
NB Bancorp completed its acquisition of Provident Bancorp, Inc. on November 15, 2025, a transaction valued at $211.8 million. This merger expanded Needham Bank's footprint, adding approximately $1.42 billion in total assets and increasing the combined organization's total assets to around $7.1 billion by December 31, 2025. The deal is anticipated to be 19% accretive to NB Bancorp's earnings per share (EPS) in 2026.
2. Strong Fourth Quarter 2025 Operating Financial Results.
On January 22, 2026, NB Bancorp reported robust operating results for the fourth quarter of 2025. The company announced an operating EPS of $0.51, surpassing analysts' consensus estimates of $0.47 to $0.49. Key financial highlights included a 22.0% increase in net interest income to $58.8 million and a 14 basis point expansion in net interest margin for the quarter. The company also achieved strong organic growth, with loans (excluding those held for sale) increasing by 9.4% and core deposits by 12.1% on an annualized basis.
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Stock Movement Drivers
Fundamental Drivers
The 23.3% change in NBBK stock from 10/31/2025 to 2/15/2026 was primarily driven by a 8.3% change in the company's Net Income Margin (%).| (LTM values as of) | 10312025 | 2152026 | Change |
|---|---|---|---|
| Stock Price ($) | 17.94 | 22.12 | 23.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 187 | 197 | 4.9% |
| Net Income Margin (%) | 27.3% | 29.6% | 8.3% |
| P/E Multiple | 13.0 | 13.4 | 3.2% |
| Shares Outstanding (Mil) | 37 | 35 | 5.1% |
| Cumulative Contribution | 23.3% |
Market Drivers
10/31/2025 to 2/15/2026| Return | Correlation | |
|---|---|---|
| NBBK | 23.3% | |
| Market (SPY) | -0.0% | 7.7% |
| Sector (XLF) | -1.4% | 31.5% |
Fundamental Drivers
The 29.8% change in NBBK stock from 7/31/2025 to 2/15/2026 was primarily driven by a 14.3% change in the company's Net Income Margin (%).| (LTM values as of) | 7312025 | 2152026 | Change |
|---|---|---|---|
| Stock Price ($) | 17.04 | 22.12 | 29.8% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 178 | 197 | 10.5% |
| Net Income Margin (%) | 25.9% | 29.6% | 14.3% |
| P/E Multiple | 14.3 | 13.4 | -6.2% |
| Shares Outstanding (Mil) | 39 | 35 | 9.6% |
| Cumulative Contribution | 29.8% |
Market Drivers
7/31/2025 to 2/15/2026| Return | Correlation | |
|---|---|---|
| NBBK | 29.8% | |
| Market (SPY) | 8.2% | 25.5% |
| Sector (XLF) | -1.1% | 45.6% |
Fundamental Drivers
The 16.7% change in NBBK stock from 1/31/2025 to 2/15/2026 was primarily driven by a 278.1% change in the company's Net Income Margin (%).| (LTM values as of) | 1312025 | 2152026 | Change |
|---|---|---|---|
| Stock Price ($) | 18.95 | 22.12 | 16.7% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 165 | 197 | 19.2% |
| Net Income Margin (%) | 7.8% | 29.6% | 278.1% |
| P/E Multiple | 57.6 | 13.4 | -76.7% |
| Shares Outstanding (Mil) | 39 | 35 | 11.1% |
| Cumulative Contribution | 16.7% |
Market Drivers
1/31/2025 to 2/15/2026| Return | Correlation | |
|---|---|---|
| NBBK | 16.7% | |
| Market (SPY) | 14.3% | 45.6% |
| Sector (XLF) | 1.4% | 54.2% |
Fundamental Drivers
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Market Drivers
1/31/2023 to 2/15/2026| Return | Correlation | |
|---|---|---|
| NBBK | ||
| Market (SPY) | 74.0% | 41.0% |
| Sector (XLF) | 47.7% | 56.7% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| NBBK Return | - | - | -2% | 34% | 11% | 9% | 59% |
| Peers Return | 51% | -8% | -19% | 19% | 9% | 13% | 65% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | -0% | 82% |
Monthly Win Rates [3] | |||||||
| NBBK Win Rate | - | - | 0% | 58% | 58% | 50% | |
| Peers Win Rate | 62% | 46% | 38% | 50% | 58% | 100% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| NBBK Max Drawdown | - | - | -2% | -1% | -13% | -1% | |
| Peers Max Drawdown | -3% | -20% | -42% | -19% | -16% | -1% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -1% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: INDB, BBT, EBC, HIFS.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 2/13/2026 (YTD)
How Low Can It Go
NBBK has limited trading history. Below is the Financials sector ETF (XLF) in its place.
| Event | XLF | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -26.9% | -25.4% |
| % Gain to Breakeven | 36.7% | 34.1% |
| Time to Breakeven | 525 days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -43.3% | -33.9% |
| % Gain to Breakeven | 76.5% | 51.3% |
| Time to Breakeven | 295 days | 148 days |
| 2018 Correction | ||
| % Loss | -26.1% | -19.8% |
| % Gain to Breakeven | 35.2% | 24.7% |
| Time to Breakeven | 338 days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -83.7% | -56.8% |
| % Gain to Breakeven | 515.2% | 131.3% |
| Time to Breakeven | 4,470 days | 1,480 days |
Compare to INDB, BBT, EBC, HIFS
In The Past
SPDR Select Sector Fund's stock fell -26.9% during the 2022 Inflation Shock from a high on 1/12/2022. A -26.9% loss requires a 36.7% gain to breakeven.
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About NB Bancorp (NBBK)
ANB Bancorp is a newly formed Maryland corporation that will own all of the outstanding shares of common stock of Needham Bank upon completion of the conversion and the offering. NB Bancorp has not engaged in any business to date. Needham Bank Needham Bank is a Massachusetts-chartered cooperative bank headquartered in Needham, Massachusetts. Needham Bank was organized in 1892 and has operated continuously in Needham, Massachusetts, since this time. Our primary market area is the Greater Boston metropolitan area and surrounding communities, including eastern Connecticut, southern New Hampshire and Rhode Island. Our headquarters are located in Needham, Massachusetts, which is approximately 17 miles southwest of Boston’s financial district, and we have branch locations in Wellesley, Westwood, Dedham, Medfield, Medford, Dover, Ashland, Millis, Natick and Boston (Mission Hill), Massachusetts. Our business consists primarily of taking deposits from the general public and investing those deposits, together with funds generated from operations, in commercial real estate and multifamily loans, one- to four-family residential real estate loans, construction and land development loans, commercial and industrial loans and consumer loans. To a lesser extent, we also originate home equity loans and lines of credit. At June 30, 2023, $1.23 billion, or 34.9%, of our total loan portfolio was comprised of commercial real estate and multifamily loans, and $1.01 billion, or 28.7%, of our total loan portfolio was comprised of one- to four-family residential real estate loans. We also invest in securities, consisting primarily of U.S. Treasury and federal agency securities, municipal bonds and corporate bonds. We offer a variety of deposit accounts, including certificate of deposit accounts, IRAs, money market accounts, savings accounts, demand deposit accounts and interest-bearing and noninterest-bearing checking accounts. We historically have utilized advances from the Federal Home Loan Bank of Boston (the “FHLB”) to fund our operations and we had $337.6 million of FHLB advances outstanding at June 30, 2023. Additionally, in recent years, we have also accepted brokered deposits as a non-retail funding source to fund our operations and we had $253.6 million of brokered deposits at June 30, 2023. Our executive offices are located at 1063 Great Plain Avenue, Needham, Massachusetts.
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It's a Bank of America for the local communities of Greater Boston.
Think of it as a neighborhood JPMorgan Chase serving the Boston metropolitan area.
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- Deposit Accounts: Providing various checking, savings, money market, and certificate of deposit accounts for individuals and businesses to securely manage their funds.
- Residential Mortgage Loans: Offering financing for the purchase, construction, or refinancing of owner-occupied and investor-owned residential properties.
- Commercial Real Estate Loans: Providing credit for the acquisition, development, and refinancing of income-producing commercial properties, including multi-family housing.
- Commercial & Industrial (C&I) Loans: Extending credit to businesses for working capital, equipment purchases, inventory, and other operational needs.
- Consumer Loans: Supplying personal loans, home equity lines of credit, and other credit facilities to individuals for various personal financial needs.
- Digital Banking Services: Delivering convenient online and mobile banking platforms, ATM access, and other digital tools for managing accounts and conducting transactions.
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NB Bancorp (symbol: NBBK) operates as a bank holding company for Needham Bank. As a community bank, its customer base is highly diversified and does not consist of a few "major customer companies" in the traditional sense of a supplier-customer relationship. Instead, it serves a broad base of individuals and businesses.
Therefore, its customers can be broadly categorized as:
- Individual and Retail Customers: This category includes consumers and households primarily located within the bank's service areas in eastern Massachusetts. They utilize a wide range of personal banking services such as checking accounts, savings accounts, money market accounts, certificates of deposit, residential mortgages, home equity loans, and various personal loans.
- Small to Medium-sized Businesses: This category encompasses local businesses across diverse industries. These customers typically seek commercial loans (e.g., lines of credit, term loans, equipment financing), commercial real estate loans, business deposit accounts, treasury management services, and other financial products tailored for their business operations and growth.
- Commercial Real Estate Investors and Developers: This specialized segment includes individuals and entities involved in the acquisition, development, and management of income-producing commercial properties. They primarily seek financing for these projects, including construction loans and permanent mortgages for properties such as multi-family residences, office buildings, retail centers, and industrial facilities.
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- Fiserv, Inc. (FISV)
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```htmlJoseph P. Campanelli, Chairman, President & Chief Executive Officer
Mr. Campanelli has served as Chairman, President, and Chief Executive Officer of NB Bancorp, Inc. since 2017. He has a distinguished career in the financial services industry spanning over four decades. Prior to his current role, he was the President, Chief Executive Officer, and Director at Santander Holdings USA, Inc. and Santander Bank, NA. He also served as President, Chief Executive Officer, and Director at Flagstar Bancorp, Inc. and Flagstar Bank FSB, where he led a successful turnaround, raising over $1 billion in capital. Mr. Campanelli was also the CEO, President, and Director of Sovereign Bank Corp., where he spearheaded its entry into commercial banking and oversaw a significant branch and business acquisition. He previously held various leadership positions at Hartford National Bank, Connecticut National Bank, Shawmut Bank, and Fleet Bank. Additionally, he was the Founder and Principal at New England Community Financial from 2012 to 2016 and a Private Equity Consultant at Livermore Investments, LLC from 2008 to 2009.
Jean-Pierre L. Lapointe, Executive Vice President & Chief Financial Officer
Mr. Lapointe was named Executive Vice President and Chief Financial Officer for NB Bancorp, Inc. and its subsidiary, Needham Bank, effective February 1, 2024. Before joining NB Bancorp, he served as the Chief Financial Officer at Northeast Bank, a publicly held bank with $3 billion in assets, from November 2017 to January 2024. His experience also includes 13 years at Wolf & Company, P.C., where he advanced to Senior Manager, primarily servicing financial institution clients. Mr. Lapointe is a Certified Public Accountant and holds both Bachelor's and Master's degrees in Accounting.
Christine Roberts, Executive Vice President & Chief Operating Officer
Ms. Roberts serves as the Executive Vice President and Chief Operating Officer of NB Bancorp, Inc. and Needham Bank.
James J. White, Executive Vice President & Chief Administrative Officer
Mr. White holds the position of Executive Vice President and Chief Administrative Officer of NB Bancorp, Inc. and Needham Bank.
Peter Bakkala, Executive Vice President & Chief Risk Officer
Mr. Bakkala is the Executive Vice President and Chief Risk Officer of Needham Bank.
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The key risks for NB Bancorp (NBBK) are primarily centered around its lending activities and the broader interest rate environment.
- Interest Rate Risks: As a financial institution, NB Bancorp is significantly exposed to fluctuations in interest rates. Changes in interest rates can negatively affect its net interest income and overall profitability, influence the volume of loan originations, and potentially lead to an increase in loan defaults. While the company has implemented strategies to manage these risks, such changes can still adversely impact its financial performance.
- Lending Risks, particularly concentration in Commercial Real Estate and specialized high-risk sectors: NB Bancorp faces substantial risks associated with its lending portfolio. A significant portion of its loans is concentrated in commercial real estate (CRE) and multifamily properties, making it vulnerable to downturns in the real estate market, especially in office and retail segments. Furthermore, the company has considerable exposure to loans in the cannabis and solar sectors, which are identified as high-risk industries. Although these loans are currently reported as well-collateralized and performing, a deterioration in the real estate market could adversely impact these concentrations. The geographic concentration of its loan portfolio in the Greater Boston metropolitan area also makes the company susceptible to local economic downturns.
- Compliance and Regulatory Risks in specialized banking: NB Bancorp's involvement in cannabis-related and money service banking activities introduces unique and complex compliance and regulatory challenges. Navigating the evolving legal and regulatory landscape for these specialized areas adds a layer of operational and reputational risk to the business.
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- Increased competition from digital-first banks and fintech platforms offering superior digital experiences, more competitive rates on deposits, and streamlined loan origination processes. These entities, with lower overhead costs due to a lack of physical branches, can attract customers away from traditional community banks like NB Bancorp, thereby pressuring net interest margins and market share in both deposits and lending.
- The expansion of embedded finance solutions where non-financial companies (e.g., retailers, tech giants, software providers) integrate financial services directly into their primary offerings. This disintermediates traditional banks by capturing customer relationships and financial transactions for services such as payments, lending (e.g., "Buy Now, Pay Later"), and even savings, bypassing NB Bancorp's conventional banking channels.
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NB Bancorp (NBBK) operates as a bank holding company for Needham Bank, offering a range of banking products and services, including various deposit accounts and a diverse portfolio of loans. Their primary market area encompasses the Greater Boston metropolitan area and surrounding communities in Massachusetts, eastern Connecticut, southern New Hampshire, and Rhode Island.
Based on available market research, the addressable markets for NB Bancorp's main products and services include:
- Commercial Banking Market in Massachusetts: The market size for the Commercial Banking industry in Massachusetts is estimated at $34.3 billion in 2025. This market has been growing at an average annual rate of 7.0% from 2020 to 2025.
- Community Banking Market in the U.S.: The U.S. community banking market reached a valuation of USD 6.35 billion in 2024. This market is projected to grow to USD 30.46 billion by 2035, exhibiting a compound annual growth rate (CAGR) of 5.58% during the forecast period of 2025 to 2035. North America, which includes the U.S., held a dominant market position in community banking, capturing over 40% of the global market share in 2024, representing USD 6.68 billion in revenue.
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Here are the expected drivers of future revenue growth for NB Bancorp (NBBK) over the next 2-3 years:- Acquisition of Provident Bancorp, Inc.: NB Bancorp's pending acquisition of Provident Bancorp, Inc. and its subsidiary, BankProv, is a significant driver. The acquisition was announced on June 5, 2025, and is anticipated to close and convert in the fourth quarter of 2025. This merger is expected to contribute to increased revenue through an expanded customer base, loan portfolio, and overall market presence.
- Loan Growth: The company has demonstrated consistent loan growth. In Q3 2025, gross loans increased by 15.4% on an annualized rate, and in Q2 2025, loans grew at an annualized rate of 6.8%. In Q1 2025, net loans increased by 3.1%, or 12.4% on an annualized basis. This sustained growth in its loan portfolio, which primarily consists of commercial real estate, multi-family, one-to-four-family residential, construction and land development, commercial and industrial, and consumer loans within the Greater Boston metropolitan area and surrounding regions, will directly boost interest income.
- Deposit Growth and Enhanced Cash Management Services: NB Bancorp has been focusing on growing its deposits. In Q3 2025, total deposits increased by an annualized rate of 27.9%. In Q1 2025, deposits grew by 3.6%, or 14.4% on an annualized basis. The company is also leveraging technology to enhance customer service and drive efficiency, particularly through the conversion to an advanced cash management and treasury services platform for commercial customers, which is expected to attract and retain commercial deposits and associated fee income.
- Expansion of Commercial Banking Products and Services: Beyond traditional lending and deposit services, Needham Bank (the banking subsidiary of NB Bancorp) offers a full array of commercial banking products, including structured finance solutions for larger corporate entities, middle-market and small business loans and lines of credit, and a sophisticated suite of cash management services. The ongoing expansion and adoption of these tech-forward products and services for businesses are expected to drive non-interest income and deepen customer relationships.
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Share Repurchases
- NB Bancorp announced a stock repurchase plan on May 7, 2025, authorizing the repurchase of up to 2,028,522 shares of common stock, representing approximately 5% of its outstanding shares.
- The company completed a previous stock repurchase program, buying back 2,135,286 shares, or approximately 5% of its outstanding common stock, at an average price of $19.06 each as of March 31, 2025.
- During the second and third quarters of 2025, NB Bancorp repurchased over 1.1 million shares at an average of $17.08 per share ($18.9 million total) and 921,934 shares for $17.5 million at an average of $19.02 per share, respectively.
Share Issuance
- NB Bancorp completed an Initial Public Offering (IPO) in December 2023, raising over $400 million in net proceeds, which more than doubled its capital base to $758 million.
- In the second quarter of 2025, the company issued 1,284,525 shares resulting from restricted stock awards.
- In conjunction with the pending merger with Provident Bancorp, NB Bancorp anticipates issuing approximately 5.9 million shares of its common stock, with an estimated value of $211.8 million.
Outbound Investments
- On June 5, 2025, NB Bancorp announced a definitive merger agreement to acquire Provident Bancorp, Inc. and its subsidiary, BankProv.
- The value of the acquisition of Provident Bancorp is estimated at $211.8 million.
- The merger received all required regulatory approvals and is expected to close around November 14, 2025, expanding Needham Bank's presence into the North Shore of Massachusetts and New Hampshire.
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| How Low Can NB Bancorp Stock Really Go? | 10/17/2025 |
| Title | |
|---|---|
| ARTICLES |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 30.68 |
| Mkt Cap | 1.1 |
| Rev LTM | 423 |
| Op Inc LTM | - |
| FCF LTM | 95 |
| FCF 3Y Avg | 99 |
| CFO LTM | 100 |
| CFO 3Y Avg | 107 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 18.9% |
| Rev Chg 3Y Avg | 7.7% |
| Rev Chg Q | 39.1% |
| QoQ Delta Rev Chg LTM | 9.8% |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 32.5% |
| CFO/Rev 3Y Avg | 33.7% |
| FCF/Rev LTM | 32.3% |
| FCF/Rev 3Y Avg | 31.8% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 1.1 |
| P/S | 5.4 |
| P/EBIT | - |
| P/E | 23.2 |
| P/CFO | 11.2 |
| Total Yield | 6.7% |
| Dividend Yield | 2.3% |
| FCF Yield 3Y Avg | 8.3% |
| D/E | 0.2 |
| Net D/E | -0.3 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | 11.6% |
| 3M Rtn | 21.9% |
| 6M Rtn | 24.3% |
| 12M Rtn | 16.0% |
| 3Y Rtn | 16.2% |
| 1M Excs Rtn | 13.2% |
| 3M Excs Rtn | 20.5% |
| 6M Excs Rtn | 16.7% |
| 12M Excs Rtn | 3.6% |
| 3Y Excs Rtn | -50.1% |
Price Behavior
Price Behavior
| Market Price | $22.12 | |
| Market Cap ($ Bil) | 0.8 | |
| First Trading Date | 12/28/2023 | |
| Distance from 52W High | -1.1% | |
| 50 Days | 200 Days | |
| DMA Price | $20.74 | $18.54 |
| DMA Trend | up | up |
| Distance from DMA | 6.7% | 19.3% |
| 3M | 1YR | |
| Volatility | 23.0% | 27.0% |
| Downside Capture | -3.05 | 53.49 |
| Upside Capture | 76.88 | 61.95 |
| Correlation (SPY) | 18.1% | 45.6% |
NBBK Betas & Captures as of 1/31/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 1.04 | 0.65 | 0.11 | 0.54 | 0.64 | -0.07 |
| Up Beta | 4.12 | 3.00 | 1.01 | 1.68 | 0.55 | -0.02 |
| Down Beta | 0.42 | 0.05 | -0.48 | 0.07 | 0.83 | 0.11 |
| Up Capture | 164% | 97% | 72% | 69% | 51% | 18% |
| Bmk +ve Days | 11 | 22 | 34 | 71 | 142 | 430 |
| Stock +ve Days | 12 | 22 | 32 | 63 | 119 | 257 |
| Down Capture | -24% | 9% | -41% | 8% | 68% | 63% |
| Bmk -ve Days | 9 | 19 | 27 | 54 | 109 | 321 |
| Stock -ve Days | 8 | 19 | 29 | 62 | 131 | 261 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with NBBK | |
|---|---|---|---|---|
| NBBK | 15.8% | 26.8% | 0.52 | - |
| Sector ETF (XLF) | 1.6% | 19.3% | -0.04 | 54.6% |
| Equity (SPY) | 14.0% | 19.4% | 0.55 | 45.3% |
| Gold (GLD) | 74.3% | 25.3% | 2.17 | -4.9% |
| Commodities (DBC) | 7.0% | 16.7% | 0.24 | 10.0% |
| Real Estate (VNQ) | 7.9% | 16.6% | 0.28 | 43.3% |
| Bitcoin (BTCUSD) | -29.8% | 44.9% | -0.65 | 16.9% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with NBBK | |
|---|---|---|---|---|
| NBBK | 10.2% | 26.2% | 0.85 | - |
| Sector ETF (XLF) | 12.4% | 18.7% | 0.54 | 56.7% |
| Equity (SPY) | 13.3% | 17.0% | 0.62 | 41.0% |
| Gold (GLD) | 22.1% | 17.0% | 1.06 | -0.6% |
| Commodities (DBC) | 10.5% | 18.9% | 0.44 | 4.8% |
| Real Estate (VNQ) | 5.2% | 18.8% | 0.18 | 39.0% |
| Bitcoin (BTCUSD) | 8.3% | 57.2% | 0.37 | 23.6% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with NBBK | |
|---|---|---|---|---|
| NBBK | 5.0% | 26.2% | 0.85 | - |
| Sector ETF (XLF) | 13.8% | 22.2% | 0.57 | 56.7% |
| Equity (SPY) | 15.6% | 17.9% | 0.75 | 41.0% |
| Gold (GLD) | 15.3% | 15.6% | 0.82 | -0.6% |
| Commodities (DBC) | 8.1% | 17.6% | 0.38 | 4.8% |
| Real Estate (VNQ) | 6.4% | 20.7% | 0.27 | 39.0% |
| Bitcoin (BTCUSD) | 67.9% | 66.7% | 1.07 | 23.6% |
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Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 1/22/2026 | -1.3% | 3.8% | |
| 10/22/2025 | 2.1% | 0.2% | 5.2% |
| 7/23/2025 | 3.7% | -3.6% | 0.4% |
| 4/22/2025 | 3.7% | 4.6% | 1.7% |
| 1/22/2025 | 4.1% | 8.0% | 6.8% |
| 10/30/2024 | 0.8% | 11.7% | 7.5% |
| 7/24/2024 | 2.9% | 7.5% | 0.7% |
| 2/29/2024 | 0.1% | -0.6% | -2.9% |
| SUMMARY STATS | |||
| # Positive | 7 | 6 | 6 |
| # Negative | 1 | 2 | 1 |
| Median Positive | 2.9% | 6.1% | 3.4% |
| Median Negative | -1.3% | -2.1% | -2.9% |
| Max Positive | 4.1% | 11.7% | 7.5% |
| Max Negative | -1.3% | -3.6% | -2.9% |
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Evangelista, Paul A | EVP, Dir Spec. Bank. Ctr. | Direct | Buy | 12192025 | 20.87 | 2,000 | 41,743 | 554,467 | Form |
| 2 | Pascucci, Hope | Direct | Buy | 10292025 | 18.07 | 4,688 | 84,702 | 2,168,136 | Form | |
| 3 | Montgomery, Kenneth C | Direct | Buy | 9152025 | 18.44 | 5,000 | 92,200 | 1,481,414 | Form | |
| 4 | Darcey, William | Direct | Buy | 8122025 | 17.30 | 5,000 | 86,499 | 1,388,078 | Form | |
| 5 | Evangelista, Paul A | EVP, Dir Spec. Bank. Ctr. | Direct | Buy | 7252025 | 18.39 | 500 | 9,195 | 451,776 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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