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NB Bancorp, Inc. Common Stock(NBBK)Earnings, Financials & Key Ratios
NBBK•NASDAQ•Banking & Credit
$20.48
$777M mkt cap·15.3× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial real estate and multifamily lenders
AboutNB 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.Show more
- Net Interest Income$197M+22.5%
- Total Revenue$317M+4.3%
- Net Income$50M+19.3%
- Return on Equity6.19%+11.9%
- Net Interest Margin2.82%-9.8%
- Efficiency Ratio32.51%-3.1%
- ROA0.83%-4.9%
- Equity / Assets12.26%-17.4%
- Book Value per Share20.86+7.4%
- Tangible BV/Share19.99+2.9%
- Debt/Equity0.23+44.7%
NBBK Key Insights
NB Bancorp, Inc. Common Stock (NBBK) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Efficient operations: 32.5% efficiency ratio
- ✓Well capitalized: 12.3% equity/assets
- ✓Trading at only 1.0x book value
✗Weaknesses
- ✗Weak 3Y average ROE of 4.5%
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
NBBK Price & Volume
NB Bancorp, Inc. Common Stock (NBBK) stock price & volume — 10-year historical chart
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NBBK Growth Metrics
NB Bancorp, Inc. Common Stock (NBBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years-
3 Years35.02%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years18.72%
TTM19.35%
EPS CAGR
10 Years-
5 Years-
3 Years24.17%
TTM25.23%
Return on Capital
10 Years4.98%
5 Years4.98%
3 Years3.08%
Last Year1.81%
NBBK Recent Earnings
NB Bancorp, Inc. Common Stock (NBBK) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (64%)●Beat Revenue 1/12 qtrs (50%)
Q2 2026Latest
Apr 22, 2026EPS
$0.38
Est $0.54
-29.6%
Revenue
$69M
Est $72M
-3.1%
Q1 2026
Jan 28, 2026EPS
$0.34
Est $0.49
-30.6%
Revenue
$70M
Q1 2026
Jan 22, 2026EPS
$0.51
Est $0.49
+4.1%
Revenue
$88M
Est $76M
+16.1%
Q4 2025
Oct 22, 2025EPS
$0.45
Est $0.42
+7.1%
Revenue
$83M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 22, 2026 | $0.38vs $0.54-29.6% | $69Mvs $72M-3.1% |
| Q1 2026 | Jan 28, 2026 | $0.34vs $0.49-30.6% | $70M |
| Q1 2026 | Jan 22, 2026 | $0.51vs $0.49+4.1% | $88Mvs $76M+16.1% |
| Q4 2025 | Oct 22, 2025 | $0.45vs $0.42+7.1% | $83M |
Based on last 12 quarters of dataView full earnings history →
NBBK Peer Comparison
NB Bancorp, Inc. Common Stock (NBBK) competitors in Commercial real estate and multifamily lenders — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 NBTB | 2.36B | 45.20 | 13.57 | 10.36% | 9.51% | 0.17 | ||
 INDB | 3.91B | 78.63 | 17.39 | 6.89% | 5.07% | 0.23 | ||
 EGBN | 808.45M | 26.51 | -6.30 | -10.35% | -10.91% | 0.13 | ||
 CTBI | 1.2B | 66.27 | 14.38 | 15.23% | 11.22% | 0.42 | ||
 NECB | 337.14M | 24.37 | 7.50 | -1.55% | 13.07% | 0.21 | ||
 OCFC | 1.09B | 19.04 | 16.27 | -4.7% | 4.26% | 0.98 | ||
 NFBK | 587.44M | 14.05 | 19.51 | 13.88% | 5.48% | 1.08 | ||
 DCOM | 1.64B | 37.19 | 15.69 | 13.03% | 7.67% | 0.25 |
Compare NBBK vs Peers
NB Bancorp, Inc. Common Stock (NBBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
NBBK Income Statement
NB Bancorp, Inc. Common Stock (NBBK) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|
| Net Interest Income | 78.01M | 105.47M | 131.72M | 161.2M | 197.46M |
| NII Growth % | - | 35.2% | 24.89% | 22.38% | 22.5% |
| Net Interest Margin % | 2.67% | 2.94% | 2.91% | 3.13% | 2.82% |
| Interest Income | 90.64M | 121.02M | 222.16M | 292.52M | 335.75M |
| Interest Expense | 12.63M | 15.55M | 90.44M | 131.32M | 138.29M |
| Loan Loss Provision | 2.05M | 6.7M | 13.88M | 12.12M | 4.65M |
| Non-Interest Income | 8.16M | 7.87M | 15.35M | 11.53M | -18.54M |
| Non-Interest Income % | 8.26% | 6.1% | 6.46% | 3.79% | -5.84% |
| Total Revenue | 98.8M▲ 0% | 128.88M▲ 30.5% | 237.52M▲ 84.3% | 304.05M▲ 28.0% | 317.21M▲ 4.3% |
| Revenue Growth % | - | 30.45% | 84.29% | 28.01% | 4.33% |
| Non-Interest Expense | 56.49M | 70.25M | 121.34M | 101.99M | 103.14M |
| Efficiency Ratio | 57.17% | 54.51% | 51.09% | 33.54% | 32.51% |
| Operating Income | 27.63M▲ 0% | 36.39M▲ 31.7% | 11.84M▼ 67.5% | 58.62M▲ 394.9% | 71.13M▲ 21.3% |
| Operating Margin % | 27.97% | 28.23% | 4.99% | 19.28% | 22.42% |
| Operating Income Growth % | - | 31.69% | -67.45% | 394.92% | 21.35% |
| Pretax Income | 27.63M▲ 0% | 36.39M▲ 31.7% | 11.84M▼ 67.5% | 58.62M▲ 394.9% | 71.13M▲ 21.3% |
| Pretax Margin % | 27.97% | 28.23% | 4.99% | 19.28% | 22.42% |
| Income Tax | 6.06M | 6.32M | 2.02M | 16.47M | 20.83M |
| Effective Tax Rate % | 21.92% | 17.38% | 17.05% | 28.1% | 29.28% |
| Net Income | 21.57M▲ 0% | 30.07M▲ 39.4% | 9.82M▼ 67.3% | 42.15M▲ 329.0% | 50.3M▲ 19.3% |
| Net Margin % | 21.84% | 23.33% | 4.14% | 13.86% | 15.86% |
| Net Income Growth % | - | 39.35% | -67.32% | 329% | 19.35% |
| Net Income (Continuing) | 21.57M | 30.07M | 9.82M | 42.15M | 50.3M |
| EPS (Diluted) | 0.51▲ 0% | 0.70▲ 37.3% | 0.23▼ 67.1% | 1.07▲ 365.2% | 1.34▲ 25.2% |
| EPS Growth % | - | 37.25% | -67.14% | 365.22% | 25.23% |
| EPS (Basic) | 0.51 | 0.70 | 0.23 | 1.07 | 1.34 |
| Diluted Shares Outstanding | 42.71M | 42.71M | 42.02M | 39.39M | 41.17M |
NBBK Balance Sheet
NB Bancorp, Inc. Common Stock (NBBK) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|
| Cash & Short Term Investments | 716.93M | 376.55M | 279.95M | 305.09M | 594.67M |
| Cash & Due from Banks | 457.18M | 131.07M | 90.48M | 211.17M | 325.71M |
| Short Term Investments | 259.75M | 245.48M | 189.47M | 93.92M | 268.96M |
| Total Investments | 2.35B | 3.25B | 4.09B | 4.55B | 268.96M |
| Investments Growth % | - | 38.13% | 25.84% | 11.3% | -94.08% |
| Long-Term Investments | 2.09B | 3B | 3.9B | 4.45B | 0 |
| Accounts Receivables | 7.54M | 10.84M | 17.28M | 19.68M | 6.01B |
| Goodwill & Intangibles | 0 | 0 | 0 | 0 | 36.09M |
| Goodwill | 0 | 0 | 0 | 0 | 16.79M |
| Intangible Assets | 0 | 0 | 0 | 0 | 19.3M |
| PP&E (Net) | 29.21M | 35.34M | 35.53M | 34.65M | 46.21M |
| Other Assets | 45.54M | 95.9M | 285.71M | 314.96M | 0 |
| Total Current Assets | 750.92M | 448.69M | 297.23M | 324.77M | 6.61B |
| Total Non-Current Assets | 2.17B | 3.14B | 4.24B | 4.83B | 130.45M |
| Total Assets | 2.92B▲ 0% | 3.59B▲ 22.9% | 4.53B▲ 26.2% | 5.16B▲ 13.8% | 7.01B▲ 35.8% |
| Asset Growth % | - | 22.91% | 26.2% | 13.77% | 35.84% |
| Return on Assets (ROA) | 0.74% | 0.92% | 0.24% | 0.87% | 0.83% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 256K | 293.08M | 283.34M | 120.83M | 196.24M |
| Net Debt | -456.93M | 162.01M | 192.85M | -90.33M | -129.48M |
| Long-Term Debt | 256K | 293.08M | 283.34M | 20.84M | 196.24M |
| Short-Term Debt | 0 | 0 | 0 | 100M | 0 |
| Other Liabilities | 7.89M | 11.98M | 19.21M | 89.53M | 5.93B |
| Total Current Liabilities | 2.59B | 2.94B | 3.47B | 4.28B | 21.52M |
| Total Non-Current Liabilities | 8.15M | 305.06M | 302.55M | 110.37M | 6.13B |
| Total Liabilities | 2.6B | 3.25B | 3.78B | 4.39B | 6.15B |
| Total Equity | 326.13M▲ 0% | 344.06M▲ 5.5% | 757.96M▲ 120.3% | 765.17M▲ 1.0% | 858.93M▲ 12.3% |
| Equity Growth % | - | 5.5% | 120.3% | 0.95% | 12.25% |
| Equity / Assets (Capital Ratio) | 11.16% | 9.58% | 16.72% | 14.84% | 12.26% |
| Return on Equity (ROE) | 6.62% | 8.97% | 1.78% | 5.53% | 6.19% |
| Book Value per Share | 7.64 | 8.06 | 18.04 | 19.43 | 20.86 |
| Tangible BV per Share | 7.64 | 8.06 | 18.04 | 19.43 | 19.99 |
| Common Stock | 0 | 0 | 427K | 427K | 458K |
| Additional Paid-in Capital | 0 | 0 | 417.03M | 417.25M | 458.86M |
| Retained Earnings | 328.4M | 358.47M | 366.17M | 400.47M | 445.2M |
| Accumulated OCI | -2.27M | -14.4M | -11.9M | -8.17M | -3.14M |
| Treasury Stock | 0 | 0 | 0 | 0 | -42.45M |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 |
NBBK Cash Flow Statement
NB Bancorp, Inc. Common Stock (NBBK) cash flow — operating, investing & free cash flow history
| Line item | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|
| Cash from Operations | 43.84M | 39.71M | 52.9M | 43.19M | 60.79M |
| Operating CF Growth % | - | -9.42% | 33.2% | -18.36% | 40.76% |
| Net Income | 21.57M | 30.07M | 9.82M | 42.15M | 50.3M |
| Depreciation & Amortization | 2.1M | 2.47M | 2.83M | 2.96M | 576K |
| Deferred Taxes | 533K | -1.25M | -7.72M | -10.26M | 3.33M |
| Other Non-Cash Items | 3.85M | 7.57M | 16.71M | 22.41M | 11.82M |
| Working Capital Changes | 15.79M | 860K | 31.25M | -16.88M | -8.15M |
| Cash from Investing | -41.94M | -667.99M | -831.62M | -546.44M | -519.05M |
| Purchase of Investments | -180.44M | -191.76M | -50.31M | -142.99M | -101.5M |
| Sale/Maturity of Investments | 72.89M | 170.59M | 103.58M | 111.78M | 91.44M |
| Net Investment Activity | -107.55M | -21.17M | 53.28M | -31.2M | -10.06M |
| Acquisitions | 0 | 297.67M | 0 | 0 | -48.12M |
| Other Investing | 67.42M | -936M | -882.04M | -513.3M | -460.87M |
| Cash from Financing | 242.43M | 317.77M | 894.77M | 594.52M | 502M |
| Dividends Paid | 0 | 0 | 0 | 0 | -5.58M |
| Share Repurchases | 0 | 0 | -13.77M | 0 | -77.13M |
| Stock Issued | 0 | 0 | 417.46M | -33.4M | 0 |
| Net Stock Activity | 0 | 0 | 403.68M | -33.4M | -77.13M |
| Debt Issuance (Net) | -1000K | 1000K | -1000K | -1000K | 1000K |
| Other Financing | 362.54M | 24.95M | 500.83M | 790.42M | 540.12M |
| Net Change in Cash | 244.33M▲ 0% | -310.5M▼ 227.1% | 116.05M▲ 137.4% | 91.26M▼ 21.4% | 43.74M▼ 52.1% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 222.72M | 467.05M | 156.54M | 272.59M | 363.86M |
| Cash at End | 467.05M | 156.54M | 272.59M | 363.86M | 407.6M |
| Interest Paid | 0 | 6.58M | 88.75M | 128.35M | 143.28M |
| Income Taxes Paid | 0 | 8.56M | 4.79M | 13.09M | 6.06M |
| Free Cash Flow | 42.04M▲ 0% | 31.22M▼ 25.7% | 50.03M▲ 60.3% | 41.25M▼ 17.6% | 57.38M▲ 39.1% |
| FCF Growth % | - | -25.75% | 60.28% | -17.56% | 39.09% |
NBBK Banking Ratios
NB Bancorp, Inc. Common Stock (NBBK) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Return on Equity (ROE) | 6.62% | 8.97% | 1.78% | 5.53% | 6.19% |
| Return on Assets (ROA) | 0.74% | 0.92% | 0.24% | 0.87% | 0.83% |
| Net Interest Margin | 2.67% | 2.94% | 2.91% | 3.13% | 2.82% |
| Efficiency Ratio | 57.17% | 54.51% | 51.09% | 33.54% | 32.51% |
| Equity / Assets | 11.16% | 9.58% | 16.72% | 14.84% | 12.26% |
| Book Value / Share | 7.64 | 8.06 | 18.04 | 19.43 | 20.86 |
| NII Growth | - | 35.2% | 24.89% | 22.38% | 22.5% |
| Dividend Payout | - | - | - | - | 11.08% |
NBBK SEC Filings & Documents
NB Bancorp, Inc. Common Stock (NBBK) SEC filings — annual & quarterly reports (10-K, 10-Q)
NBBK Frequently Asked Questions
NB Bancorp, Inc. Common Stock (NBBK) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
NB Bancorp, Inc. Common Stock (NBBK) grew revenue by 4.3% over the past year. Growth has been modest.
Yes, NB Bancorp, Inc. Common Stock (NBBK) is profitable, generating $50.3M in net income for fiscal year 2025 (15.9% net margin).
Dividend & Returns
Yes, NB Bancorp, Inc. Common Stock (NBBK) pays a dividend with a yield of 0.66%. This makes it attractive for income-focused investors.
NB Bancorp, Inc. Common Stock (NBBK) has a return on equity (ROE) of 6.2%. This is below average, suggesting room for improvement.
Industry Metrics
NB Bancorp, Inc. Common Stock (NBBK) has a net interest margin (NIM) of 2.8%. NIM has been under pressure due to interest rate environment.
NB Bancorp, Inc. Common Stock (NBBK) has an efficiency ratio of 32.5%. This is excellent, indicating strong cost control.
Explore More NBBK
NB Bancorp, Inc. Common Stock (NBBK) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
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Dividend History
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Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates