Last 14 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
NB Bancorp, Inc. Common Stock's quarterly P/E stands at 26.1x, up 131.0% year-over-year — indicating the stock has re-rated higher or earnings have softened. EV/EBITDA has expanded 27.0% YoY to 9.9x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 15.17 | 26.08 | 10.26 | 11.45 | 13.69 | 11.29 | 22.10 | 15.71 | 15.52 | — | — | — | — |
| — | +131.0% | -53.6% | -27.1% | -11.8% | — | — | — | — | — | — | — | — | |
| P/S Ratio | 2.43 | 2.90 | 1.89 | 2.02 | 2.17 | 2.20 | 2.36 | 2.00 | 1.89 | 2.14 | — | — | — |
| — | +32.2% | -20.1% | +1.1% | +14.7% | +2.7% | — | — | — | — | — | — | — | |
| P/B Ratio | 0.97 | 0.95 | 0.85 | 0.91 | 0.95 | 0.93 | 0.98 | 0.80 | 0.74 | 0.76 | — | — | — |
| — | +2.2% | -12.7% | +14.3% | +28.2% | +22.7% | — | — | — | — | — | — | — | |
| P/FCF | 13.45 | — | 6.56 | 6.43 | 17.79 | 8.96 | 21.71 | 6.22 | — | 11.01 | — | — | — |
| — | — | -69.8% | +3.3% | — | -18.7% | — | — | — | — | — | — | — | |
| EV / EBITDA | 8.96 | 9.85 | 5.69 | 8.23 | 8.06 | 7.76 | 10.81 | 9.61 | 8.53 | — | — | — | — |
| — | +27.0% | -47.4% | -14.4% | -5.5% | — | — | — | — | — | — | — | — | |
| EV / EBIT | 9.03 | 11.53 | 5.91 | 8.56 | 8.40 | 8.05 | 11.34 | 10.22 | 9.05 | — | — | — | — |
| — | +43.2% | -47.9% | -16.2% | -7.2% | — | — | — | — | — | — | — | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
NB Bancorp, Inc. Common Stock's operating margin was 21.2% in Q4 2025, down 2.8 pp QoQ and down 2.6 pp YoY. The trailing four-quarter average of 22.4% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin contracted 16.0% YoY, suggesting cost inflation or competitive pricing pressure.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 54.9% | 46.6% | 58.1% | 56.6% | 57.3% | 55.4% | 51.7% | 51.3% | 52.6% | 48.0% | 55.2% | 55.6% | 67.5% |
| — | -16.0% | +12.3% | +10.3% | +8.9% | +15.6% | -6.4% | -7.7% | -22.1% | -34.6% | -38.6% | — | — | |
| Operating Margin | 22.4% | 21.2% | 24.0% | 22.6% | 21.8% | 23.8% | 19.9% | 16.0% | 16.9% | -30.0% | 18.4% | 15.3% | 23.1% |
| — | -11.0% | +20.5% | +41.4% | +28.5% | +179.3% | +7.9% | +4.4% | -26.7% | -204.7% | -22.0% | — | — | |
| Net Margin | 15.9% | 11.0% | 18.5% | 17.6% | 15.7% | 19.3% | 10.8% | 12.8% | 12.1% | -20.3% | 13.5% | 11.2% | 16.9% |
| — | -43.1% | +70.1% | +37.8% | +29.2% | +195.0% | -19.6% | +13.4% | -28.1% | -170.9% | -22.0% | — | — |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 6.2% | 1.0% | 2.1% | 2.0% | 1.7% | 2.1% | 1.1% | 1.3% | 1.2% | -2.4% | 2.3% | 1.8% | 2.5% |
| — | -53.2% | +85.5% | +54.4% | +44.2% | +185.2% | -52.0% | -27.2% | -53.6% | -169.3% | +78.8% | — | — | |
| ROA | 0.8% | 0.1% | 0.3% | 0.3% | 0.2% | 0.3% | 0.2% | 0.2% | 0.2% | -0.3% | 0.2% | 0.2% | 0.2% |
| — | -59.7% | +68.5% | +39.3% | +28.4% | +198.9% | -16.6% | +24.3% | -20.9% | -192.8% | — | — | — | |
| ROIC | 5.5% | 1.2% | 1.8% | 1.7% | 1.5% | 1.7% | 1.4% | 1.1% | 1.0% | -1.7% | 1.2% | 1.1% | 1.6% |
| — | -26.3% | +31.8% | +49.5% | +54.8% | +195.8% | +12.0% | +5.4% | -36.6% | -221.6% | -8.1% | — | — |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
NB Bancorp, Inc. Common Stock's Debt/EBITDA ratio is 11.3x, up from 2.0x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 404656.6% YoY to 306.98x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.23 | 0.23 | 0.06 | 0.17 | 0.12 | 0.16 | 0.16 | 0.08 | 0.08 | 0.37 | 0.95 | 0.95 | 0.46 |
| — | +44.7% | -63.9% | +111.8% | +48.1% | -57.8% | -83.5% | -91.4% | -81.8% | -56.1% | — | — | — | |
| Debt / EBITDA | 2.74 | 11.26 | 2.00 | 6.55 | 4.96 | 6.04 | 7.21 | 4.84 | 4.73 | — | 28.14 | 36.97 | 12.60 |
| — | +86.6% | -72.3% | +35.3% | +5.0% | — | -74.4% | -86.9% | -62.5% | — | — | — | — | |
| Current Ratio | 306.98 | 306.98 | 0.07 | 0.06 | 0.06 | 0.08 | 0.09 | 0.10 | 0.10 | 0.09 | 0.09 | 0.11 | 0.13 |
| — | +404656.6% | -23.8% | -43.6% | -38.0% | -11.4% | +1.4% | -10.0% | -18.9% | -35.7% | — | — | — | |
| Quick Ratio | 306.98 | 306.98 | 0.07 | 0.06 | 0.06 | 0.08 | 0.09 | 0.10 | 0.10 | 0.09 | 0.09 | 0.11 | 0.13 |
| — | +404656.6% | -23.8% | -43.6% | -38.0% | -11.4% | +1.4% | -10.0% | -18.9% | -35.7% | — | — | — | |
| Interest Coverage | 0.51 | 0.39 | 0.60 | 0.57 | 0.53 | 0.56 | 0.44 | 0.36 | 0.41 | -0.69 | 0.44 | 0.41 | 0.81 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 14 years · Updated daily
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NB Bancorp, Inc. Common Stock's current P/E is 15.2x. The average P/E over the last 4 quarters is 15.4x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
NB Bancorp, Inc. Common Stock's current operating margin is 22.4%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking NB Bancorp, Inc. Common Stock's business trajectory between earnings reports.