NB Bancorp (NBBK) Competitors

NB Bancorp (NASDAQ:NBBK) and Bread Financial (NYSE:BFH) are both finance companies, but which is the better investment? We will compare the two companies based on the strength of their dividends, institutional ownership, valuation, risk, analyst recommendations, media sentiment, earnings and profitability.

Do insiders and institutionals hold more shares of NBBK or BFH?

99.5% of Bread Financial shares are owned by institutional investors. 1.9% of NB Bancorp shares are owned by insiders. Comparatively, 0.6% of Bread Financial shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Which has more volatility & risk, NBBK or BFH?

NB Bancorp has a beta of 0.46, meaning that its share price is 54% less volatile than the S&P 500. Comparatively, Bread Financial has a beta of 1.46, meaning that its share price is 46% more volatile than the S&P 500.

Is NBBK or BFH more profitable?

NB Bancorp has a net margin of 15.86% compared to Bread Financial's net margin of 6.05%. Bread Financial's return on equity of 13.10% beat NB Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
NB Bancorp	15.86%	7.37%	1.07%
Bread Financial	6.05%	13.10%	1.83%

Which has preferable earnings and valuation, NBBK or BFH?

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

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
NB Bancorp	$304.05M	2.48	$42.15M	$1.33	14.26
Bread Financial	$4.80B	0.65	$277M	$5.91	11.28

Does the media favor NBBK or BFH?

In the previous week, Bread Financial had 7 more articles in the media than NB Bancorp. MarketBeat recorded 10 mentions for Bread Financial and 3 mentions for NB Bancorp. NB Bancorp's average media sentiment score of 1.70 beat Bread Financial's score of 1.01 indicating that NB Bancorp is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
NB Bancorp	3 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive
Bread Financial	5 Very Positive mention(s)	1 Positive mention(s)	2 Neutral mention(s)	1 Negative mention(s)	0 Very Negative mention(s)	Positive

Do analysts prefer NBBK or BFH?

NB Bancorp currently has a consensus price target of $20.00, suggesting a potential upside of 5.49%. Bread Financial has a consensus price target of $64.91, suggesting a potential downside of 2.61%. Given NB Bancorp's stronger consensus rating and higher probable upside, research analysts plainly believe NB Bancorp is more favorable than Bread Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
NB Bancorp	0 Sell rating(s)	0 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	3.00
Bread Financial	3 Sell rating(s)	5 Hold rating(s)	4 Buy rating(s)	0 Strong Buy rating(s)	2.08

Is NBBK or BFH a better dividend stock?

NB Bancorp pays an annual dividend of $0.28 per share and has a dividend yield of 1.5%. Bread Financial pays an annual dividend of $0.84 per share and has a dividend yield of 1.3%. NB Bancorp pays out 21.1% of its earnings in the form of a dividend. Bread Financial pays out 14.2% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Summary

Bread Financial beats NB Bancorp on 10 of the 18 factors compared between the two stocks.