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Stock Ratings / Financials / NBBK
HFWA (63) SMBC (64) TCBX (55) HIFS (53) ⌘ Pro Terminal →

NB Bancorp Inc. (NBBK) — RQD Stock Rating Cockpit

$22.52 +1.76% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $22.55

NB Bancorp Inc. (NBBK) carries a Roarable Rating of C (Hold) with 63/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $969.7M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on NBBK Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is NBBK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, NB Bancorp Inc. (NASDAQ: NBBK) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $22.52 (+1.76% 1D, market cap $969.7M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, NBBK ranks #311 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does NBBK compare to HFWA and SMBC in the Financials sector?
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Within the Financials sector (Banks), NBBK carries a Roarable C (63/100 RQD), trailing P/E of 19.7x, gross margin of —, and ROIC of 5.9%. By comparison, HFWA (Heritage Financial Corporation) holds a C grade (63/100 RQD, P/E 17.5x, ROIC 7.3%, cap $1.16B) and SMBC (Southern Missouri Bancorp Inc.) posts a C grade (64/100 RQD, P/E 13.5x, ROIC 10.3%, cap $778.6M). Among the 5-stock peer group, TCBX leads on earnings multiple (10.2x) while TCBX leads on capital efficiency (12.5% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for NBBK?
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Per NBBK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001979330), NB Bancorp Inc. generated $2.94B in revenue (+35.8% YoY), $50.3M in net income, and $57.4M in free cash flow against $7.01B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $22.55 (+0.13%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 1.9% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 63/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.9% avg 90D alpha vs SPY • 54.8% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C
025507510063
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C · Rk C
Cash (13)Whales (10)SEC (13)Macro (12)CEO (15)
Each axis scored 0–20
12M PRICE TARGET CONE+2.3% Base Target
$27 Bull$23 Base$18 Bear
📬 FREE NBBK RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for NBBK)Realized 20D OHLCV Swing Band: ±5.2%
Deterministic 5-Pillar Attribution (63/100 Composite)
🔍 WHY NBBK SCORES 63/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 75% Net Buy • Cannibal Buyback (-2.08% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+13/20 pts (21% of score)

SEC XBRL FY 2025 (10-K): 1.9% FCF Margin ($57.4M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning10/20 pts (-10 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-10 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
55
Grade C$22.22+0.5% Next Q
Q2 (-2Q)
58
Grade C$22.32+1.4% Next Q
Q3 (-1Q)
60
Grade C$22.63-0.5% Next Q
Current
63
Grade C$22.52+0.9% Hist 90D α
Trajectory: C (55) → C (63)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the NBBK Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 63/100 (C) score, NBBK faces multiple-compression risk if 19.7x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($22.51) or 200D SMA ($21.52) invalidates the momentum regime and cuts Target Base ($23.03) toward Bear Floor ($17.96).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $NBBK• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “NBBK Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 63%NO 37%Trade / Inspect Odds →
RSI-14 MOMENTUMNEUTRAL RANGE
45.530 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCORESOLID CORE (5–6)
5 / 99-Pt Accounting
52-WEEK LASER RANGE85% OF RANGE
L: $17$22.52H: $23
1. Money & Cash Health● MIXED
Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: CRQD 13 / 20
2. Big Money & Insiders● NEUTRAL
Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: CRQD 25 / 40
3. Hidden Risks & Market Weather● WATCH
SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 25 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

Quant Analyst Panel Split (Battleground) on NBBK

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
NEUTRAL (65)

5.9% ROIC with 42.0% gross margin and 5.80% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
NEUTRAL (62)

25/40 institutional & smart-money positioning score with 12/20 macro alignment.

Bull Case: Why Buyers Like NBBK
  • ✓Company leadership has skin in the game with net positive insider conviction.
Bear Case: What Could Go Wrong
  • !Broader market pullbacks can still drag down strong stocks in the short run.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (NBBK Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
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NBBK // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +13.45%📐 HORIZONTAL RANGE
2026-11-03O $22.56H $22.56L $22.13C $22.52VOL 245.6K
RES: $23.27SUP: $21.21SMA50: $22.51SMA200: $21.52
$23.78$22.51$21.25$19.98$18.72RES $23.27SUP $21.21$22.522026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

NBBK Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 NBBK Butterfly Map → + Track NBBK →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
13.2%/yr Implied 5Y Growth

vs. +35.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on NBBK today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for NBBK. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for NBBK today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (NBBK)

Financials Rank #311 of 1097 ⚔️ HFWA vs NBBK Full Matrix →

1. Head-to-Head Financials Peer Comparison (NBBK vs. HFWA, SMBC, TCBX, HIFS)

Industry: Banks (24 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, NB Bancorp Inc. (NBBK) ranks #311 by composite RQD confidence (63/100, grade C) and #560 by equity capitalization ($969.7M). Within this direct 5-issuer industry benchmark cohort, TCBX leads on earnings valuation at 10.2x trailing P/E, while TCBX leads on capital efficiency and profitability with 12.5% ROIC and — gross margin. SMBC currently holds the highest overall quantitative score in the immediate peer group at 64/100 (C) compared with NBBK at 63/100 (C).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
NBBK ACTIVE
NB Bancorp Inc.
C 63/100 19.7x — 5.9% +1.76% $969.7M Benchmark Subject
HFWA
Heritage Financial Corporation
C 63/100 17.5x — 7.3% +2.67% $1.16B /hfwa-vs-nbbk →
SMBC
Southern Missouri Bancorp Inc.
C 64/100 13.5x — 10.3% +2.21% $778.6M /smbc-vs-nbbk →
TCBX
Third Coast Bancshares Inc.
D+ 55/100 10.2x — 12.5% +1.96% $664.4M /tcbx-vs-nbbk →
HIFS
Hingham Institution for Savings
D+ 53/100 — — — +3.10% $646.6M /hifs-vs-nbbk →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001979330 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), NB Bancorp Inc. (NBBK) reported GAAP revenue of $2.94B (+35.8% vs. FY2024 revenue of $2.17B , and +1363.9% cumulative change since FY2023) , GAAP net income of $50.3M, operating cash flow of $60.8M, and free cash flow of $57.4M (+39.1% YoY). On the balance sheet, NBBK closed FY2025 with $7.01B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $2.94B $50.3M $60.8M $57.4M $7.01B —
FY2024 (FY) 2024-12-31 $2.17B $42.1M $43.2M $41.3M $5.16B —
FY2023 (FY) 2023-12-31 $201.0M $9.8M $52.9M $52.9M — —

3. NBBK Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is NBBK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, NB Bancorp Inc. (NASDAQ: NBBK) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $22.52 (+1.76% 1D, market cap $969.7M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, NBBK ranks #311 in composite RQD confidence.

How does NBBK compare to HFWA and SMBC in the Financials sector?

Within the Financials sector (Banks), NBBK carries a Roarable C (63/100 RQD), trailing P/E of 19.7x, gross margin of —, and ROIC of 5.9%. By comparison, HFWA (Heritage Financial Corporation) holds a C grade (63/100 RQD, P/E 17.5x, ROIC 7.3%, cap $1.16B) and SMBC (Southern Missouri Bancorp Inc.) posts a C grade (64/100 RQD, P/E 13.5x, ROIC 10.3%, cap $778.6M). Among the 5-stock peer group, TCBX leads on earnings multiple (10.2x) while TCBX leads on capital efficiency (12.5% ROIC).

What are the biggest fundamental strengths and SEC risk factors for NBBK?

Per NBBK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001979330), NB Bancorp Inc. generated $2.94B in revenue (+35.8% YoY), $50.3M in net income, and $57.4M in free cash flow against $7.01B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is NBBK trading relative to its 50-day, 200-day, and 52-week technical levels?

NBBK last traded at $22.52 (+1.76% on volume of 272,411 shares), positioning the stock +0.04% above its 50-day simple moving average ($22.51) and +4.65% above its 200-day simple moving average ($21.52). Across its 52-week range of $17.16 to $23.47, NBBK sits at the 84.9% percentile with a 14-day RSI of 45.5 (NEUTRAL RANGE) and an implied next-earnings move of ±5.2% ($21.35 to $23.69).

Direct Sub-Reports: NBBK RQD Cockpit NBBK 12M Forecast NBBK Earnings & Move NBBK Dividends & DRIP NBBK Insiders & 13F NBBK Whale Options NBBK Profit Sankey NBBK News & Why
ROARABLE RATING BRIEF • RQD 63/100 (C) ✓ SEC XBRL & RQD VERIFIED

NBBK — NB Bancorp Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

NB Bancorp Inc. (NBBK) earns a live Roarable RQD composite score of 63/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $22.52 (+1.76% 1D, market capitalization $969.7M).

  • Fundamental Cash Engine (13/20): Anchored by return on invested capital (ROIC) of 5.9%, gross margin of —, operating margin of —, and free cash flow yield of 5.80%.
  • Whale 13F & Options Flow (10/20) + Insider Conviction (15/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (12/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

. Is a NASDAQ-listed issuer in the Financials sector, Banks industry. The profile identifies it as a bank operating within this industry with a market capitalization of $1.0B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), NB Bancorp Inc. (NBBK) reported $2.94B in annual revenue (up from $2.17B in FY2024, +35.8% YoY) and $50.3M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($201.0M revenue, $9.8M net income) through FY2025, NBBK scaled operating cash flow to $60.8M and free cash flow to $57.4M, backed by $7.01B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C • RQD 63/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 5.80% and institutional whale pillar of 10/20. With Fundamental Cash Engine at 13/20 and Institutional Whale Flow at 10/20, sustained execution supports upside toward the upper end of the $17.16 – $23.47 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 19.7x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Banks (Financials), NBBK carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can NBBK sustain or expand its — operating margin and 5.9% ROIC against Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $2.94B and free cash flow of $57.4M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is NBBK's 18.3x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

NBBK Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for NB Bancorp Inc. (NBBK) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to NBBK Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

NBBK Bull vs. Bear Conversation Board — What's Your Call at $22.52?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON NBBK 🐻 33% BEARISH CONVICTION
1. Pick Your Side on NBBK:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MI MidwestValue RQD DEBATE OPENER • Fundamental Long-Only 🐂 BULLISH 🎯 Target: $26.78 (+21.0%)
📌 Pinned Debate

Net income rose from $9.8M in FY 2023 to $50.3M in FY 2025 while FCF reached $57.4M, supported by an Insider Conviction pillar score of

Net income rose from $9.8M in FY 2023 to $50.3M in FY 2025 while FCF reached $57.4M, supported by an Insider Conviction pillar score of 15/20.. When you look under the hood at NBBK, Fundamental Cash Engine is 13/20 with 0.0% gross margins and 5.9% ROIC. Bears are staring in the rearview mirror while institutional 13F flow (10/20) has been quietly accumulating below $23.47. My 12M target is $26.78.

EarningsSniper 🐂 BULL

Both sides have a point here — NBBK's 13/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

BE BearTrap_Alert RQD DEBATE OPENER • Cycle Peak Watcher 🐻 BEARISH 🎯 Target: $17.26 (-22.0%)
Spot @ $22.13

The reported Q3 revenue of $76.5M came in below the $77.3M FactSet estimate, and the Whale 13F Flow pillar scored only 11/20.

Careful chasing NBBK at $22.13. The reported Q3 revenue of $76.5M came in below the $77.3M FactSet estimate, and the Whale 13F Flow pillar scored only 11/20.. Gross margin is 0.0%, but operating margin is 0.0%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $17.26 on multiple compression.

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