
NBBK Stock Forecast & Price Target
NBBK Analyst Ratings
Bulls say
NB Bancorp has demonstrated strong credit quality, as evidenced by its non-performing assets (NPAs) representing just 0.24% of total assets, indicating effective management of credit risk. The company experienced robust loan growth of 4% in the recent quarter, mainly driven by a substantial 36% increase in multi-family loans, while the loan-to-deposit ratio rose to 106%, reflecting effective utilization of deposits. Additionally, the reported net interest margin increased to 3.82%, surpassing estimates, supported by rising asset yields and declining costs of interest-bearing liabilities, contributing to a favorable outlook for future earnings potential.
Bears say
NB Bancorp's financial outlook appears negative primarily due to a declining net interest margin, which fell to 3.78% and was below expectations, indicating potential pressures on profitability. Additionally, the decline in construction balances by 10% suggests a weakening demand in this segment, which could impact overall growth. Furthermore, the decline in tangible book value per share by $0.14, coupled with management's indication of no buyback activity until early 2026, raises concerns about shareholder value retention.
This aggregate rating is based on analysts' research of NB Bancorp Inc and is not a guaranteed prediction by Public.com or investment advice.
NBBK Analyst Forecast & Price Prediction
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