Critical Survey: NB Bancorp (NASDAQ:NBBK) versus Cib Marine Bancshares (OTCMKTS:CIBH)

NB Bancorp (NASDAQ:NBBK) and Cib Marine Bancshares (OTCMKTS:CIBH) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their dividends, earnings, institutional ownership, risk, valuation, profitability and analyst recommendations.

Profitability

This table compares NB Bancorp and Cib Marine Bancshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
NB Bancorp	13.81%	8.57%	1.09%
Cib Marine Bancshares	N/A	N/A	N/A

Analyst Recommendations

This is a summary of current recommendations and price targets for NB Bancorp and Cib Marine Bancshares, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
NB Bancorp	1	2	1	0	2.00
Cib Marine Bancshares	0	0	0	0	0.00

NB Bancorp presently has a consensus price target of $24.00, indicating a potential upside of 18.40%. Given NB Bancorp’s stronger consensus rating and higher probable upside, research analysts plainly believe NB Bancorp is more favorable than Cib Marine Bancshares.

Risk and Volatility

NB Bancorp has a beta of 0.06, meaning that its stock price is 94% less volatile than the S&P 500. Comparatively, Cib Marine Bancshares has a beta of 0.24, meaning that its stock price is 76% less volatile than the S&P 500.

Valuation & Earnings

This table compares NB Bancorp and Cib Marine Bancshares”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
NB Bancorp	$351.74 million	2.58	$50.30 million	$1.37	14.80
Cib Marine Bancshares	$50.14 million	1.09	$1.80 million	$1.32	30.34

NB Bancorp has higher revenue and earnings than Cib Marine Bancshares. NB Bancorp is trading at a lower price-to-earnings ratio than Cib Marine Bancshares, indicating that it is currently the more affordable of the two stocks.

Summary

NB Bancorp beats Cib Marine Bancshares on 10 of the 12 factors compared between the two stocks.

About NB Bancorp

NB Bancorp, Inc. focuses on operating as a bank holding company for Needham Bank that provides various banking products and services in Greater Boston metropolitan area and surrounding communities in Massachusetts, eastern Connecticut, southern New Hampshire, and Rhode Island. 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, one- to four-family residential real estate, 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, municipal bonds, and corporate bonds. The company was founded in 1892 and is based in Needham, Massachusetts.

About Cib Marine Bancshares

CIB Marine Bancshares, Inc. operates as the bank holding company for CIBM Bank that provides commercial banking services to individual and business customers in Illinois, Indiana, and Wisconsin. It provides deposit accounts comprising checking, savings, and time deposits. The company offers a range of loan products, such as commercial, commercial real estate, commercial and residential construction, government guaranteed, one-to-four family residential real estate, home equity, and consumer loans, as well as commercial and standby letters of credit. In addition, it provides trust services; cash management; repurchase agreements; mortgage; and other banking services. Further, the company invests in securities. The company was formerly known as Central Illinois Bancorp, Inc. and changed its name to CIB Marine Bancshares, Inc. in August 1999. CIB Marine Bancshares, Inc. was incorporated in 1985 and is based in Brookfield, Wisconsin.