Stock fact sheet · data as of
NB Bancorp, Inc. Common Stock (NBBK): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Value
Is NBBK undervalued?
NBBK has a margin of safety of 62%: the stock closed at 22.37 on 16 Oct 2026 against a GLS average fair value of 59.58. 7 of the 9 valuation models that produced a number sit above the price. Our screens treat a discount this large as a strong starting point for a cash-secured put, not as a verdict - the fair value is a model output, and a wide gap can mean the models are missing something the market knows.
There is a wide gap between DDM (4.12) and DCF (146.72). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files NBBK under Value: positive earnings at a P/E of 18 or less.
Nine valuation models for NBBK
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 146.72 | +556% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 28.82 | +29% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 72.32 | +223% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 29.77 | +33% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 103.94 | +365% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 53.26 | +138% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 78.36 | +250% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 4.12 | -82% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 18.86 | -16% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | 11.24 | -50% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 26.00 | +16% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
NB Bancorp, Inc. Common Stock scores 5 of 9 on the Piotroski F-score: a middling result that falls one point short of the Sunday Scan's "6 or more" rule. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. On durability NBBK scores 7.2/10 on the GLS Moat - a middle reading; the Scorecard on the Quote page's Financials tab shows which ten-year lines are steady and which are not.
Returns on capital are thin or negative - ROIC 4.8%, ROE 5.9%, ROA 0.7% - with debt at 0.23 times equity and a free-cash-flow yield of 8.5%.
The dividend yield is 1.25% with a payout ratio of 18% - a small yield that leaves most of the earnings in the business. Revenue comes mainly from Product and Service, Other 100% (fiscal year FY2025).
Institutional ownership scores 7/10, insider activity 9/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 5 / 9 | ROIC | 4.8% |
|---|---|---|---|
| GLS Moat | 7.2 / 10 | ROE | 5.9% |
| Debt / equity | 0.23 | ROA | 0.7% |
| Free-cash-flow yield | 8.5% | Payout ratio | 18% |
| Institutions | 7 / 10 | Insiders · Congress | 9 · 5 / 10 |
Wheel Score 72: Good
With a Wheel Score of 72 - the Good band - NB Bancorp, Inc. Common Stock clears the Sunday Scan's "70 or higher" rule. The parts: Value 25/25, Health 11/20, Moat 11/15, Premium 16/20, Stability 9/20; Stability (9/20) scores lowest.
Implied volatility is 31% on the near-the-money contracts 20-60 days out: some premium, but under the 35-60% range the Wheel Score pays full marks for (16 of 20 points). Chain open interest is 2,262 contracts across all expiries - enough for the wheel at normal size.
Volume runs at 147k shares a day on a market cap of $913M, with a beta of 0.00 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 9 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 62% margin of safety | |
| Health | 11 / 20 | Piotroski 5/9 | |
| Moat | 11 / 15 | moat 7.2/10 | |
| Premium | 16 / 20 | implied volatility 31% | |
| Stability | 9 / 20 | 147k shares/day, $913M cap, beta 0.00 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
NB Bancorp, Inc. Common Stock reports earnings on 28 Oct 2026 (after the close) - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to NB Bancorp, Inc. Common Stock by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| MPB Mid Penn Bancorp, Inc. | 35.97 | 51.18 | +30% | 78Good | $911M |
| FCBC First Community Bankshares, Inc. | 48.19 | 38.24 | -26% | 47Weak | $911M |
| TRST TrustCo Bank Corp NY | 53.87 | 44.21 | -22% | 53Fair | $917M |
| HAFC Hanmi Financial Corporation | 30.94 | 54.12 | +43% | 79Good | $917M |
| SBSI Southside Bancshares, Inc. | 30.22 | 39.38 | +23% | 74Good | $901M |
| FMNB Farmers National Banc Corp. | 15.20 | 20.95 | +27% | 76Good | $901M |
| CPF Central Pacific Financial Corp. | 36.10 | 45.89 | +21% | 75Good | $929M |
| CAC Camden National Corp. | 55.87 | 75.95 | +26% | 74Good | $944M |
| THFF First Financial Corporation | 73.01 | 103.28 | +29% | 75Good | $868M |
| EQBK Equity Bancshares, Inc. | 46.68 | 58.58 | +20% | 65Good | $961M |
| EGBN Eagle Bancorp, Inc. | 28.02 | 19.06 | -47% | 41Weak | $854M |
| SMBK SmartFinancial, Inc. | 49.76 | 53.46 | +7% | 65Good | $851M |
⚖ Compare NBBK with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about NBBK
Is NBBK undervalued right now?
By the GLS models, yes: at 22.37 the stock is 62% below the average fair value of 59.58 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of NBBK and what does it mean?
NBBK scores 72 out of 100 (Good). The Wheel Score blends the margin of safety (25 points), Piotroski health (20), the GLS moat (15), the option premium on offer (20) and trading stability (20) into one number that ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned. 80 and above is Prime, 65-79 Good, 50-64 Fair, under 50 Weak.
What is the GLS fair value for NBBK?
59.58 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does NB Bancorp, Inc. Common Stock report earnings next?
The next earnings report is due on 28 Oct 2026 (after the close), 12 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does NBBK have listed options, and how liquid are they?
Yes. The nightly snapshot found 94 listed contracts with 2,262 open interest across all expiries and implied volatility of 31% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.