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NB BancorpNBBK +0.44%35 FCF Margin % is 41.88% as of Jun. 2026, which is 52% above its 10-year median of 27.54. GuruFocus rates NBBK with a GF Score™ of 35/100 and a GF Value™ of $26.87 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,503 Banks companies, NB Bancorp ranks better than 55.95% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. NB Bancorp's Free Cash Flow for the
three
months ended in Jun. 2026 was $31.3 Mil. NB Bancorp's Revenue for the
three
months ended in Jun. 2026 was $74.7 Mil. Therefore, NB Bancorp's FCF Margin % for the quarter that ended in Jun. 2026 was 41.88%.
The historical data trend for NB Bancorp's FCF Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, NB Bancorp's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
NB Bancorp FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, NB Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where NB Bancorp's FCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
NB Bancorp (NBBK) has a FCF Margin % of 41.88% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on NB Bancorp and its competitors. This is 52% above median its historical median of 27.54. Over the past decade, NB Bancorp's FCF Margin % has ranged from 23.74 to 48.79. According to the industry distribution chart, NB Bancorp ranks #662 out of 1503 companies in the Banks industry, placing it in the top 44%.
Is NB Bancorp's FCF Margin % too high?
NB Bancorp's current FCF Margin % of 41.88% is 52% above median its 10-year median of 27.54. Over the past 10 years, this metric has ranged from a low of 23.74 to a high of 48.79. The Banks industry median FCF Margin % is 26.41. NB Bancorp's value of 41.88% is 58.6% above this industry median. Based on the distribution chart, NB Bancorp ranks #662 out of 1503 companies in the Banks industry, which is above the industry midpoint. Overall, NB Bancorp has a GF Score™ of 35/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does NB Bancorp's FCF Margin % compare to TRST and CPF?
According to the Banks industry distribution chart, NB Bancorp ranks #662 out of 1503 companies for FCF Margin %. This puts NB Bancorp in the upper half of its industry. The industry median FCF Margin % is 26.41. NB Bancorp's value of 41.88% is 58.6% above this benchmark. Historically, NB Bancorp's own FCF Margin % has ranged from 23.74 to 48.79 over the past decade. While the company's 10-year median is 27.54 vs. the industry median of 26.41, NB Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.41, based on 1,503 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. NB Bancorp's current FCF Margin % of 41.88% is 58.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on NB Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NB Bancorp's current FCF Margin % is 41.88%, which is 52% above median its own 10-year median of 27.54. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NB Bancorp stock overvalued right now?
Based on GuruFocus' analysis, NB Bancorp (NBBK) is currently considered Modestly Undervalued. The stock's GF Value™ is $26.87, compared to a current price of $22.84 — trading 15% below its estimated fair value. The current FCF Margin % is 41.88%, which is 52% above median its 10-year median of 27.54 and 58.6% above the Banks industry median of 26.41. NB Bancorp's overall GF Score™ is 35/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For NB Bancorp (NBBK), the current FCF Margin % is 41.88% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is NB Bancorp (NBBK) Overvalued in 2026?
Based on GuruFocus' analysis, NB Bancorp stock appears to be undervalued.
The current stock price of $22.84 is trading 15% below its estimated GF Value™ of $26.87.
GuruFocus considers NB Bancorp to be Modestly Undervalued.
Key valuation signals for NBBK:
FCF Margin %: 41.88% (52% above median its 10-year median of 27.54)
GF Value™: $26.87 vs. price of $22.84 (15% below fair value)
Industry Position: 58.6% above the Banks median (#662 of 1503)
No single metric tells the full story. See the NBBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NB Bancorp Inc operates as the holding company of Needham Bank. The group's business consists of taking deposits from the general public and investing those deposits, together with funds generated from operations, in commercial real estate and multifamily loans, one- to four-family residential real estate loans, construction and land development loans, commercial and industrial loans, consumer loans, and other related services.
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