NBBKNB Bancorp, Inc.
Savings Institutions, Not Federally Chartered
- Revenue
- —
- Operating margin
- —
- EBITDA
- —
- Market cap
- $970M
- Employees
- 376
- Net debt / EBITDA
- —
- AI in 10-K
- 0.2
- mentions per 10K words
Takeover score 4 of 13
Fixable underperformance 2 of 7
- TSR below peersNo—3+ of last 5 years
- High CEO pay despite TSRNo—Median CEO pay ≥ $15M while TSR trails
- Earnings not backed by cashNo121% of net incomeCash flow under 80% of net income
- Dilutive SBCNo—Over 10% of revenue
- Payouts exceed cash flowYes136% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyNo0% of assetsOver 40% of assets
- Shareholder dissentYes66% lowest supportAny vote under 80% support
Buyer economics 2 of 4
- Low revenue per employeeNo—Bottom quartile of its SIC industry
- Quiet on AIYes0.2 per 10K words · 12th pctBottom quartile of AI mentions in 10-Ks
- Net cashNo—More cash than debt, positive EBITDA
- Buyout-sizedYes$970M market capMarket cap $500M–$5B
Catalysts 0 of 2
- Active 13DNo0 filingsActive-intent 13D in 18 months
- Net insider sellingNo$714K netNet sales over $10M in 12 months
Financials
| Metric | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|
| Net income | $30M | $10M | $42M | $50M | 19% |
| Operating cash flow | $40M | $53M | $43M | $61M | 41% |
| Capex | $8M | $3M | $2M | $3M | 76% |
| Stock-based comp | — | — | — | $3M | |
| Buybacks | — | — | — | $77M | |
| Dividends | — | — | — | $6M |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $760K · 25
- Open-market sells, 12 mo
- $46K · 1
- Net
- $714K
Pay vs performance
No pay-versus-performance disclosure yet.