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ZYBERNO

Stock Report

Updated Sep 2, 2026

Neighborhood Intelligence, Inc. (BBBY)

Consumer Discretionary • NYSE

$3.93

Professional Investment Analysis

ZYBERNO SCORE →

Is it a great business? Is it getting better?

9.0/100

POOR BUSINESS

Neighborhood Intelligence, Inc. (BBBY) scores 9/100 — concerning metrics indicating significant structural or financial risks.

📊 How is the Zyberno Score calculated? +

The Zyberno Score answers one question: "Is this a quality business worth owning?" It's a 0-100 investment grade that evaluates business fundamentals across four critical dimensions, based on principles from Warren Buffett, Benjamin Graham, Peter Lynch, and Charlie Munger.

The 4 Core Categories (25 points each):

1. PROFITABILITY (25 pts)

Metrics: ROE, ROIC, Net Margin, Operating Margin
Thresholds: ROE >20% excellent • ROIC >20% excellent • Net Margin >20% excellent • Operating Margin >25% excellent

2. FINANCIAL STRENGTH (25 pts)

Metrics: Debt-to-Equity, Current Ratio, Interest Coverage, Altman Z-Score
Thresholds: D/E <0.3 excellent • Current Ratio >2.5 excellent • Interest Coverage >10x excellent • Altman Z >3.0 safe

3. CASH FLOW QUALITY (25 pts)

Metrics: Free Cash Flow, OCF vs Net Income, FCF Margin
Thresholds: Positive & growing FCF excellent • OCF/NI >1.2x excellent (cash earnings exceed accounting)

4. GROWTH & CONSISTENCY (25 pts)

Metrics: Revenue Growth, Net Income Growth, FCF Growth, Piotroski F-Score
Thresholds: Growth via log-linear regression • Piotroski 8-9 excellent, 6-7 good

Score Interpretation:

75-100

GREAT BUSINESS

65-74

GOOD BUSINESS

50-64

AVERAGE BUSINESS

30-49

WEAK BUSINESS

0-29

POOR BUSINESS

→ View full BBBY quality analysis & detailed breakdown

VALUATION SIGNAL

N/A (Requires more data)

Requires fair value calculation and current price data

💰 How is Margin of Safety calculated? +

Margin of Safety measures how much discount or premium you're paying relative to a stock's intrinsic value. It's Benjamin Graham's core principle: the larger the margin, the lower your downside risk.

Formula: (Intrinsic Value − Current Price) ÷ Intrinsic Value × 100%

How We Calculate Intrinsic Value (DCF Method):

Step 1: Calculate current Owner Earnings (OCF − Maintenance CapEx)

Step 2: Calculate company-specific growth rate using log-linear regression on 16 quarters of Owner Earnings

Step 3: Project 10 years forward using the calculated growth rate

Step 4: Discount each year's cash flow to present value using 10% discount rate

Step 5: Calculate terminal value using 3% perpetual growth rate

Step 6: Sum all discounted cash flows = Intrinsic Value

What The Percentages Mean:

+50% or more

EXCELLENT — Very undervalued

+25% to +50%

GOOD — Attractive discount

0% to +25%

FAIR — Reasonable value

0% to -25%

CAUTION — Slight premium

-25% or worse

POOR — Overvalued

"Price is what you pay, value is what you get." — Warren Buffett

→ View full BBBY valuation analysis · → View full BBBY Brina Gap analysis

📈 How is Brina Gap calculated? +

Brina Gap measures the difference between the growth a business can fundamentally sustain and the growth the market is already pricing in.

Formula: Fundamental Growth Rate − Market-Implied Growth Rate

The Two Components:

Fundamental Growth Rate = ROIC × Reinvestment Rate

What the business can sustainably grow at based on how much it reinvests and what return it earns on that capital. Grounded in historical financials.

Market-Implied Growth Rate = Reverse DCF

The growth rate the current Enterprise Value implicitly assumes. Calculated by back-solving a 10-year DCF model (10% WACC, 3% terminal growth) until the present value of projected cash flows equals EV.

What The Gap Means:

Gap > +5% Market Underestimates — potential upside

+2% to +5% Slight Underestimate

-2% to +2% Fairly Priced — market consensus matches fundamentals

-5% to -2% Slight Overestimate

Gap < -5% Market Overestimates — price embeds optimism fundamentals don't support

A positive gap (market underestimates) combined with a positive Margin of Safety is the strongest combined signal — the business is both cheap historically and forward economics are stronger than the price suggests.

Critical Financial Health Indicators

Return on Equity (Profitability):CRITICAL (-38.8%)

Debt-to-Equity (Solvency Risk):POOR (1.08x)

Operating Margin (Operational Efficiency):CRITICAL (-7.1%)

Return on Capital (Capital Efficiency):CRITICAL (-27.4%)

📊 Valuation Trilogy

Three interconnected metrics for complete valuation analysis

Click any metric for full methodology and detailed analysis

Zyberno's Verdict

Neighborhood Intelligence, Inc. (BBBY) stock report — Zyberno Score 9/100 (POOR BUSINESS). Full financial analysis on Zyberno.

Over the trailing twelve months, BBBY generated -$24.83M in Owner Earnings. Capital was deployed as follows: $7.25M invested in capital expenditures. Reinvestment rate: 14.6%.

DIVISION I: EXECUTIVE SUMMARY

A. Market Valuation

Market Price & Capitalization (2)

Current Price:3.93

Market Cap:$292.03M

Valuation Multiples (3)

P/B Ratio:1.36x

P/S Ratio:0.26x

Peg Ratio:-999.00x

Enterprise Metrics (1)

Enterprise Value:$298.61M

Price Action & Momentum (3)

12-1 Momentum:

-56.4% (25th pctile)

📈 Click to view full BBBY Momentum analysis →

Momentum Percentile:25 / 100

% of 52-Week High:31.1%

B. Profitability Assessment

Return Metrics (5)

ROE:

-38.8%

📊 Click to view full BBBY ROE analysis →

ROA:-17.3%

Roic:

-27.4%

📊 Click to view full BBBY ROIC analysis →

Reinvestment Rate:14.6%

Fundamental Growth Rate (g):-4.0%

Margin Analysis (3)

Operating Margin Ttm:-7.1%

Net Margin Ttm:-7.1%

Ebitda Margin:-5.5%

TTM Performance (3)

Gross Margin Ttm:25.3%

Operating Margin Ttm:-7.1%

Net Margin Ttm:-7.1%

Yield Metrics (2)

Earnings Yield:-$27.99

Dividend Yield:0.0%

C. Log-Linear Regression Growth Trends

Earnings Surprise (SUE) (3)

Earnings Surprise (SUE):

+0.18

📊 Click to view full BBBY Earnings Surprise analysis →

EPS Surprise vs Expected:40.9%

Latest Earnings Filed:2026-08-04

Revenue Growth (Linear) (1)

Revenue Growth Rate (Linear):-13.0%

D. Financial Stability

Liquidity Ratios (3)

Current Ratio:0.76x

Quick Ratio:0.59x

Cash Ratio:0.32x

Leverage Analysis (3)

Debt To Equity Ttm:1.08x

Debt-to-Equity Ratio:1.08x

Debt To Ebitda:-999.00x

Coverage Ratios (2)

Interest Coverage Ratio:-10.41x

Times Interest Earned:-10.41

Capital Structure (4)

Working Capital:-74,800,000.00

Cash And Cash Equivalents:99,485,000.00

Long Term Debt:$83.07M

Net Debt:$6.58M

DIVISION II: FINANCIAL STATEMENTS ANALYSIS

A. Income Statement Analysis

Revenue Components (2)

Revenue TTM: $1.14B

Linear Growth: -13.0%

📊 Click to view full BBBY Revenue analysis & methodology →

Cost Of Revenue Ttm:$851.23M

Profitability Breakdown (2)

Gross profit TTM: $288.30M

Linear Growth: -8.1%

📊 Click to view full BBBY Gross Profit analysis & methodology →

-$80.88M

Bottom Line Performance (3)

-$81.29M

Income Before Tax:-$81.48M

Ebitda Ttm:-62,201,000.00

Operating Expenses (5)

Operating Expenses:369,176,000.00

R And D Expense:0.00

Sga Expense:121,712,000.00

Income Tax Expense:-$1.92M

Interest Expense:5,880,000.00

Expense Ratios (3)

R And D To Revenue Percentage:0.0%

Sga To Revenue Percentage:33.7%

Ebitda Margin:-5.5%

B. Balance Sheet Analysis

Asset Composition (5)

Total Assets:$634.15M

Current Assets:$237.37M

Ppe Net:437,352,000.00

Goodwill:101,946,000.00

Intangible Assets:$46.42M

Liability Structure (4)

Total Liabilities:419,063,000.00

Current Liabilities:312,167,000.00

Long Term Debt:$83.07M

Short Term Debt:$23.00M

Equity & Capital (3)

Equity:$215.09M

Retained Earnings:-$898.61M

Common Stock:200,000,000.00

Working Capital Items (3)

Accounts Receivable:29,797,000.00

Inventory:52,157,000.00

Accounts Payable:140,533,000.00

Special Items (2)

Contract Liabilities:46,818,000.00

Stock Based Compensation:2,075,000.00

C. Cash Flow Analysis

Operating Activities (2)

-$17.58M-$24.83M

Investment Activities (2)

Investing Cash Flow:-$27.30M

Capital Expenditures Ttm:7,253,000.00

Financing Activities (3)

Financing Cash Flow:-$626.00K

Dividends Paid Ttm:0.00

Stock Repurchase:0.00

Capital Transactions (3)

Common Stock Issuance:0.00

Long Term Debt Issuance:$0.00

Long Term Debt Repayments:$3.45M

Non-Cash Items (1)

Depreciation Amortization Ttm:18,675,000.00

DIVISION III: OPERATIONAL METRICS

A. Per Share Analysis

Earnings Per Share (3)

EPS (Basic TTM):-1.10

-$1.10

Earnings Per Share Ttm:-$1.09

Revenue & Cash Per Share (2)

Sales Per Share Ttm:15.34

Operating Cash Flow Per Share:-$0.76

Book Value & Capital (2)

Book Value Per Share:$2.89

Cash Per Share:1.34

Dividend Policy (1)

Dividend Payout Ratio:-999.00x

B. Operational Efficiency

Asset Utilization (2)

Asset Turnover Ttm:2.43x

Working Capital Turnover Ttm:-999.00x

Receivables Management (2)

Receivables Turnover Ttm:38.24x

Days Sales Outstanding Ttm:9.54

Inventory Management (2)

Inventory Turnover Ttm:16.32x

Days Inventory Outstanding Ttm:22.36

Payables & Cash Cycle (2)

Days Payable Outstanding:60.26

Cash Conversion Cycle:-28.35

C. Quality & Risk Metrics

Financial Quality Scores (2)

Financial Strength Score:40.00

Quality Score:25.00

Market Metrics (2)

Beta:0.00x

Volatility Category:unknown

DIVISION IV: INVESTMENT ANALYSIS

A. Value Investment Framework

Owner Earnings Analysis (1)

-$24.83M

Damodaran Growth Analysis (2)

Reinvestment Rate:14.6%

Fundamental Growth Rate (g):-4.0%

B. Log-Linear Regression Growth Analysis

Growth Rates (Log-Linear Regression) (1)

Revenue Growth Rate (Linear):-13.0%

Other Growth Rates (2)

Gross Profit Growth Rate (Linear):-8.1%

Book Value Growth Rate (Linear):-33.8%

C. Company Profile & Context

Corporate Information (6)

Symbol:BBBY

Company Name:Neighborhood Intelligence, Inc.

Sector:Consumer Discretionary

Industry:E-commerce & Mail Order

Exchange:NYSE

Country:United States

Market Classification (3)

Market Cap Category:N/A

Price Category:low

Volume Category:N/A

Share Structure (3)

Shares Outstanding:74.31M

Shares Outstanding Basic:74.31M

Shares Outstanding Diluted:74.31M

Data Processing Info (3)

Processing Version:v3.0

Last Updated:2026-09-02 05:44:56 UTC

Data Timestamp:2026-09-02T05:44:56.699310