Stock fact sheet · data as of
NB Bancorp, Inc. Common Stock (NBBK): fair value, margin of safety and Wheel Score
Ticker symbol NBBK · Financial Services · Banks - Regional · United States · Blend
Is NBBK undervalued?
NBBK has a margin of safety of 66%: the stock closed at 22.72 on 5 Nov 2026 against a GLS average fair value of 67.32. 7 of the 9 valuation models that produced a number sit above the price. Our scans 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 (147.52). 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.
Ranked against every other company we cover, neither cheapness nor growth clearly wins for NBBK, so the nightly engine files it under Blend (value score 71, growth score 61, out of 100).
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 | 147.52 | +549% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 28.82 | +27% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 67.27 | +196% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 27.18 | +20% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 103.94 | +357% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 78.42 | +245% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 129.75 | +471% | 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 | -17% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | 11.24 | -51% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 25.00 | +10% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
NB Bancorp, Inc. Common Stock scores 6 of 9 on the Piotroski F-score: a middling result that passes the "Piotroski 6 or more" Wheel Trade Filter. 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 5.3/10 on the GLS Moat - a middle reading; the Moat Score tab on the Quote page's Financials view shows which of the four parts hold it back.
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 13.9%.
The dividend yield is 1.23% with a payout ratio of 14% - 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 | 6 / 9 | ROIC | 4.8% |
|---|---|---|---|
| GLS Moat | 5.3 / 10 | ROE | 5.9% |
| Debt / equity | 0.23 | ROA | 0.7% |
| Free-cash-flow yield | 13.9% | Payout ratio | 14% |
| Institutions | 7 / 10 | Insiders · Congress | 9 · 5 / 10 |
Wheel Score 50: Fair
A Wheel Score of 50 keeps NB Bancorp, Inc. Common Stock under 70, the mark only a stock that passes all 9 Wheel Trade Filters can reach: it fails filter 8, big enough - market cap $928M (under $1.0B). The parts: value strong, premium strong, moat fair, health good, red flags strong, option trading weak, stability fair.
Implied volatility is 40% on the near-the-money contracts 20-60 days out - inside the 35-60% sweet spot the Wheel Score rewards most: enough premium to be worth selling, not so much that the risk is unpaid. Chain open interest is 2,197 contracts across all expiries - enough for the wheel at normal size.
Volume runs at 243k shares a day on a market cap of $928M, 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 rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Passes | Listed options with 1,000+ contracts of open interest and 100+ traded a day |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Passes | Implied volatility 25-80% (enough premium, not a lottery ticket) |
| 8 | Big enough | Fails | market cap $928M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 66% below fair value | |
| Premium | Strong | implied volatility 40% | |
| Moat | Fair | moat 5.3/10 | |
| Health | Good | Piotroski 6/9 | |
| Red Flags | Strong | Red Flags score 90/100 | |
| Option trading | Weak | 787 contracts a day, 2,197 open interest | |
| Stability | Fair | beta 0.00, $928M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 28 Jan 2027, 84 days away - outside the window of a 30-45-day put sold today.
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 |
|---|---|---|---|---|---|
| FMNB Farmers National Banc Corp. | 15.84 | 19.07 | +17% | 36Weak | $938M |
| THFF First Financial Corporation | 79.22 | 107.24 | +26% | 43Weak | $942M |
| GSBC Great Southern Bancorp, Inc. | 82.78 | 60.82 | -36% | 28Weak | $902M |
| ORRF Orrstown Financial Services, Inc. | 45.27 | 75.04 | +40% | 49Weak | $890M |
| MPB Mid Penn Bancorp, Inc. | 35.03 | 46.59 | +25% | 47Weak | $887M |
| FCBC First Community Bankshares, Inc. | 46.87 | 49.31 | +5% | 35Weak | $887M |
| CCBG Capital City Bank Group, Inc. | 51.80 | 44.91 | -15% | 39Weak | $887M |
| TRST TrustCo Bank Corp NY | 58.10 | 46.28 | -26% | 38Weak | $989M |
| ALRS Alerus Financial Corporation | 34.83 | 25.06 | -39% | 38Weak | $868M |
| HAFC Hanmi Financial Corporation | 33.70 | 60.97 | +45% | 53Fair | $994M |
| CPF Central Pacific Financial Corp. | 39.25 | 52.17 | +25% | 52Fair | $999M |
| RCBC River City Bank | 60.38 | 100.30 | +40% | 34No options | $857M |
⚖ Compare NBBK with 7 of them All Financial Services stocks →
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A free GLS Equity account gets you nightly fair value and the Wheel Score on ~7,400 US stocks, a watchlist, the scanner preview and the Sunday Scan - the top 10 stocks that pass all 9 Wheel Trade Filters, emailed every week. Pro adds the full put and call scanners, unlimited watchlists with alerts and the trade journal.
Start free See the Sunday ScanQuestions about NBBK
Is NBBK undervalued right now?
By the GLS models, yes: at 22.72 the stock is 66% below the average fair value of 67.32 (data as of 5 Nov 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 50 out of 100 (Fair) - it fails Wheel Trade Filter 8. The Wheel Score ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned - in two parts: the 9 pass/fail Wheel Trade Filters (busy options, a real business, below fair value, Piotroski 6 or more, debt it can repay, a Red Flags score of 60 or more, implied volatility of 25-80%, a $1 billion company, $5 a share) and a ranking of how strongly a stock passes on value, premium, moat, health, red flags, option trading and stability. A stock that fails any filter stays under 70; 70-84 is Good, 85 and above is Prime. The Sunday Scan is the top 10 that pass, sorted by Wheel Score.
What is the GLS fair value for NBBK?
67.32 per share as of 5 Nov 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 Jan 2027, 84 days from the data date of 5 Nov 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 36 listed contracts with 2,197 open interest across all expiries and implied volatility of 40% 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.