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NB Bancorp, Inc. (NBBK)

Financial Services | Banks - Regional | Needham, United States | NasdaqCM
21.02 USD

Short-term:★★★⯪☆Long-term:★★★☆☆Dividends:★★⯪☆☆
Hot Take | July 11, 2026, 6:36 a.m. EDT

The immediate outlook is driven by a powerful divergence between the company's recent earnings miss and aggressive speculative positioning. While the stock recently missed Q1 estimates, the options market is screaming 'up,' with heavy call open interest at strikes significantly above the current price and almost zero defensive put buying. This suggests traders view the earnings miss as a temporary dislocation rather than a fundamental breakdown, betting on a rebound toward the $22.50 resistance level. Fundamentally, the business shows signs of life with revenue growing 36% and insider buying by the CEO, yet the return on equity remains modest at 6.6%. The dividend yield of 1.3% is too thin to anchor a long-term hold, serving instead as a minor perk for income seekers. The statistical forecast model leans slightly negative due to recent noise, but this is clearly outweighed by the momentum building in the options chain and the positive multi-year price trajectory. The setup favors a tactical buy for those willing to ride the volatility toward the upside targets, though the lack of deep value metrics keeps the long-term ceiling from being a slam-dunk 5-star case.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
MSTL_49 ✓0.090955
AutoETS0.101016
AutoARIMA0.101016
AutoTheta0.110779
MSTL0.112450
MSTL_49_630.125060
MSTL_630.136846

Forecast horizon: 60 days | Selected: MSTL_49

Forecast Reliability
Score 53%
H-stat 0.56
Ljung-Box p 0.000
Jarque-Bera p 0.812
Excess Kurtosis 0.41
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-05-05
Last Dividend Date 2026-05-05
Revenue per Share 5.948
Market Cap 921,652,416
Trailing P/E 15.34
Forward P/E 8.41
Beta 0.04
Profit Margins 23.31%
Website https://nbbancorp.com

As of July 11, 2026, 6:36 a.m. EDT: Speculators are overwhelmingly bullish, evidenced by massive open interest in out-of-the-money calls (strikes 22.5 and 25.0) compared to negligible put volume. The call chain shows significant positioning at strikes above the current price, while the put side is virtually empty except for deep out-of-the-money hedges. This asymmetry suggests a strong consensus expectation for a price breakout toward the $22.50–$25.00 range.


Dividend Data

Dividend History
Date Dividend Yield %
2026-05-06 0.07 0.341797
2026-02-05 0.07 0.315600
2025-11-05 0.07 0.383562
2025-08-06 0.07 0.410076
Additional Data
dividendRate 0.28
dividendYield 1.33
exDividendDate 2026-05-06
trailingAnnualDividendRate 0.21
trailingAnnualDividendYield 0.009990484
lastDividendValue 0.07
lastDividendDate 2026-05-06
dividendDate 2026-05-20

Info Dump

Attribute Value
52 Week Change 0.09138107
Address1 1,063 Great Plain Avenue
All Time High 22.86
All Time Low 13.1
Ask 26.99
Ask Size 2
Audit Risk 2
Average Analyst Rating 2.5 - Buy
Average Daily Volume10 Day 296,880
Average Daily Volume3 Month 294,767
Average Volume 294,767
Average Volume10Days 296,880
Beta 0.036
Bid 15.13
Bid Size 2
Board Risk 9
Book Value 20.278
City Needham
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 10
Country United States
Crypto Tradeable 0
Currency USD
Current Price 21.02
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 21.19
Day Low 20.94
Display Name NB Bancorp
Dividend Date 1,779,235,200
Dividend Rate 0.28
Dividend Yield 1.33
Earnings Growth 0.103
Earnings Quarterly Growth 0.184
Earnings Timestamp 1,776,888,000
Earnings Timestamp End 1,784,750,400
Earnings Timestamp Start 1,784,750,400
Ebitda Margins 0.0
Enterprise To Revenue 3.044
Enterprise Value 687,440,704
Eps Current Year 1.965
Eps Forward 2.5
Eps Trailing Twelve Months 1.37
Esg Populated 0
Ex Dividend Date 1,778,025,600
Exchange NCM
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 20.2624
Fifty Day Average Change 0.7576008
Fifty Day Average Change Percent 0.03738949
Fifty Two Week Change Percent 9.138107
Fifty Two Week High 22.86
Fifty Two Week High Change -1.8400002
Fifty Two Week High Change Percent -0.08048994
Fifty Two Week Low 16.76
Fifty Two Week Low Change 4.26
Fifty Two Week Low Change Percent 0.25417662
Fifty Two Week Range 16.76 - 22.86
Financial Currency USD
First Trade Date Milliseconds 1,703,773,800,000
Float Shares 36,905,401
Forward Eps 2.5
Forward P E 8.408
Full Exchange Name NasdaqCM
Full Time Employees 526
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,782,864,000
Gross Margins 0.0
Gross Profits 225,808,000
Has Pre Post Market Data 1
Held Percent Insiders 0.12274
Held Percent Institutions 0.52521
Implied Shares Outstanding 43,846,451
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Ipo Expected Date 2,023-12-28
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,778,025,600
Last Dividend Value 0.07
Last Fiscal Year End 1,767,139,200
Long Business Summary NB Bancorp, Inc. focuses on operating as a bank holding company for Needham Bank that provides various banking products and services in the Greater Boston metropolitan area and surrounding communities in the United States. The company offers various deposits, including certificate of deposit, individual retirement, money market, savings, NOW, demand deposit, and interest-bearing and noninterest-bearing checking accounts; and commercial real estate and multifamily residential loans, one- to four-family residential real estate, mortgage warehouse loans, construction and land development, commercial and industrial, and consumer loans, as well as home equity loans and lines of credit. It also invests in securities consisting of U.S. treasury and federal agency securities, government-sponsored residential mortgage-backed securities, corporate bonds, SBA securities and municipal bonds. NB Bancorp, Inc. was founded in 1892 and is based in Needham, Massachusetts.
Long Name NB Bancorp, Inc.
Market us_market
Market Cap 921,652,416
Market State PRE
Max Age 86,400
Message Board Id finmb_1842411906
Most Recent Quarter 1,774,915,200
Net Income To Common 52,631,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 921,871,632
Number Of Analyst Opinions 2
Open 21.0
Operating Cashflow 78,175,000
Operating Margins 0.34952
Overall Risk 10
Payout Ratio 0.1533
Phone 781 444 2100
Previous Close 21.02
Price Eps Current Year 10.697201
Price Hint 2
Price To Book 1.0365914
Price To Sales Trailing12 Months 4.0815754
Profit Margins 0.23308
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 2.5
Region US
Regular Market Change 0.0
Regular Market Change Percent 0.0
Regular Market Day High 21.19
Regular Market Day Low 20.94
Regular Market Day Range 20.94 - 21.19
Regular Market Open 21.0
Regular Market Previous Close 21.02
Regular Market Price 21.02
Regular Market Time 1,783,972,800
Regular Market Volume 208,487
Return On Assets 0.00844
Return On Equity 0.06652
Revenue Growth 0.363
Revenue Per Share 5.948
Sand P52 Week Change 0.20847368
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 9
Shares Outstanding 43,846,451
Shares Percent Shares Out 0.039300002
Shares Short 1,723,780
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 1,746,816
Short Name NB Bancorp, Inc.
Short Percent Of Float 0.041500002
Short Ratio 6.54
Source Interval 15
State MA
Symbol NBBK
Target High Price 24.0
Target Low Price 24.0
Target Mean Price 24.0
Target Median Price 24.0
Total Cash 395,895,008
Total Cash Per Share 9.539
Total Debt 210,950,000
Total Revenue 225,808,000
Tradeable 0
Trailing Annual Dividend Rate 0.21
Trailing Annual Dividend Yield 0.009990484
Trailing Eps 1.37
Trailing P E 15.343066
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 20.156525
Two Hundred Day Average Change 0.8634758
Two Hundred Day Average Change Percent 0.042838525
Type Disp Equity
Volume 208,487
Website https://nbbancorp.com
Zip 2,492