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Friday 6 November 2026
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NB Bancorp, Inc.
NBBK Financial Banks Regional
NB Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $351.9 million, up 15.4% from fiscal 2024.
- Revenue
- +39.5%
- EPS
- +37.2%
- Free cash flow
- −112.4%
- Total debt
- +262.6%
Quarter to September 2026, against a year earlier
22.16
0.56
−2.46%
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Target Price Range
Analyst price targets
Free accountTen years at a glance Fiscal years to December
| Ten-year view | Analyst estimates Powerpack | |||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group | Line | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM Sep ’26 | Trend | 10 yrs | 2026e | 2027e | 2028e | Next 3/yr |
| Income, $m | ||||||||||||||||||
| Income, $m | Revenue | — | — | — | — | — | — | 130 | 238 | 305 | 352 | 415 | +39.4% | 300 | 329 | 357 | +0.4% | |
| Gross margin, % | — | — | — | — | — | — | 88.04 | 61.92 | 56.96 | 60.71 | 62.48 | (27.3) pt | ||||||
| EBT | — | — | — | — | — | — | 36 | 12 | 59 | 71 | 92 | +25.0% | ||||||
| EBT margin, % | — | — | — | — | — | — | 28.00 | 4.99 | 19.21 | 20.21 | 0.00 | (7.8) pt | ||||||
| Net income | — | — | — | — | — | — | 30 | 10 | 42 | 50 | 67 | +18.7% | ||||||
| Per share, $ | ||||||||||||||||||
| Per share, $ | Revenue | — | — | — | — | — | — | 0.00 | 5.65 | 7.75 | 9.41 | 0.00 | n/m | |||||
| Earnings | — | — | — | — | — | — | — | 0.23 | 1.07 | 1.34 | 1.68 | +141.4% | ||||||
| Cash flow | — | — | — | — | — | — | 0.00 | 1.26 | 1.10 | 1.63 | 0.00 | n/m | ||||||
| Capex | — | — | — | — | — | — | 0.00 | (0.07) | (0.05) | (0.09) | (0.25) | n/m | ||||||
| Free cash flow | — | — | — | — | — | — | 0.00 | 1.19 | 1.05 | 1.53 | (0.25) | n/m | ||||||
| Book value | — | — | — | — | — | — | 0.00 | 18.04 | 19.43 | 22.96 | 21.74 | n/m | ||||||
| Shares, m | — | — | — | — | — | — | — | 42 | 39 | 37 | 39 | (5.6%) | ||||||
| Valuation, × | ||||||||||||||||||
| Valuation, × | P/E | — | — | — | — | — | — | 16.88 | 16.88 | 16.88 | 14.79 | 13.19 | 16.4 | |||||
| P/S | — | — | — | — | — | — | 0.00 | 0.00 | 2.33 | 2.11 | 2.11 | 1.1 | ||||||
| P/B | — | — | — | — | — | — | 0.00 | 0.00 | 0.93 | 0.86 | 1.02 | 0.4 | ||||||
| EV/Sales | — | — | — | — | — | — | 1.04 | 0.05 | 1.54 | 1.51 | — | 1.0 | ||||||
| EV/FCF | — | — | — | — | — | — | 4.35 | 0.21 | 11.35 | 9.23 | — | 6.3 | ||||||
| Cash, $m | ||||||||||||||||||
| Cash, $m | Operating cash flow | — | — | — | — | — | — | 40 | 53 | 43 | 61 | 85 | +15.2% | |||||
| Capex | — | — | — | — | — | — | (8) | (3) | (2) | (3) | (10) | (26.2%) | ||||||
| Free cash flow | — | — | — | — | — | — | 31 | 50 | 41 | 57 | (10) | +22.5% | ||||||
| Balance, $m | ||||||||||||||||||
| Balance, $m | Working capital | — | — | — | — | — | — | 211 | 659 | 411 | 452 | 411 | +29.0% | |||||
| Net debt | — | — | — | — | — | — | 137 | 11 | (243) | (211) | (116) | n/m | ||||||
| Shareholders’ equity | — | — | — | — | — | — | 344 | 758 | 765 | 859 | 857 | +35.7% | ||||||
| Returns, % | ||||||||||||||||||
| Returns, % | ROA | — | — | — | — | — | — | 0.00 | 0.24 | 0.87 | 0.83 | 1.02 | +0.8 pt | |||||
| ROIC | — | — | — | — | — | — | 4.73 | 0.96 | 7.02 | 8.53 | 0.00 | +3.8 pt | ||||||
| ROE | — | — | — | — | — | — | 0.00 | 1.78 | 5.53 | 6.19 | 8.40 | +6.2 pt | ||||||
| People | ||||||||||||||||||
| People | Employees | — | — | — | — | — | — | — | 102 | 376 | 526 | — | +127.1% | |||||
| Revenue/emp, $m | — | — | — | — | — | — | 0.00 | 2.33 | 0.81 | 0.67 | — | n/m | ||||||
Negative figures in brackets.
estimates
Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 4 Nov 2026
NB Bancorp, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier
| Company | Market cap | P/E | Fwd P/E | Revenue growth (Q) | EPS growth (Q) | FCF growth (Q) | Gross margin (Q) | EBIT margin (Q) | Compare |
|---|---|---|---|---|---|---|---|---|---|
| TRST TrustCo Bank Corp NY | $934.5M | 15.1× | 9.1× | +5.24% (above 0%: growing) | +18.39% (above 0%: growing) | +2.59% (above 0%: growing) | 69.68% | 0.00% | Compare |
| FMNB Farmers National Banc Corp. | $919.5M | 10.6× | 10.9× | +43.94% (above 0%: growing) | +5.41% (above 0%: growing) | +114.21% (above 0%: growing) | 70.09% | 0.00% | Compare |
| THFF First Financial Corporation Indiana | $910.8M | 9.9× | 10.1× | +12.04% (above 0%: growing) | +32.00% (above 0%: growing) | +35.58% (above 0%: growing) | 76.21% | 0.00% | Compare |
| NBBK NB Bancorp, Inc. | $899.0M | 13.2× | 11.0× | +39.49% (above 0%: growing) | +37.21% (above 0%: growing) | −112.43% (below 0%: shrinking) | 63.66% | 0.00% | |
| MPB Mid Penn Bancorp | $869.3M | 11.8× | 11.2× | +13.23% (above 0%: growing) | +6.25% (above 0%: growing) | −3.90% (below 0%: shrinking) | 69.39% | 0.00% | Compare |
| GSBC Great Southern Bancorp, Inc. | $868.0M | 13.3× | 13.9× | −10.48% (below 0%: shrinking) | −16.18% (below 0%: shrinking) | −93.70% (below 0%: shrinking) | 71.23% | 0.00% | Compare |
| ORRF Orrstown Financial Services Inc | $864.7M | 9.8× | 9.8× | +0.90% (above 0%: growing) | +8.91% (above 0%: growing) | −5.50% (below 0%: shrinking) | 70.78% | 0.00% | Compare |
| CCBG Capital City Bank Group | $861.6M | 13.8× | 13.4× | −2.57% (below 0%: shrinking) | +6.45% (above 0%: growing) | +47.12% (above 0%: growing) | 89.60% | 0.00% | Compare |
| FCBC First Community Bancshares, Inc. | $858.8M | 14.3× | 14.0× | +35.47% (above 0%: growing) | +77.61% (above 0%: growing) | +82.80% (above 0%: growing) | 92.36% | 0.00% | Compare |
| Median of peers | $868.6M | 12.6× | 11.1× | +8.64% | +7.68% | +19.09% | 71.01% | 0.00% |
Pay and ownership Proxy statement filed 27 March 2026
Ownership
Directors and executive officers, together
5.10%
Needham Bank Employee Stock Ownership Plan
7.40%
BlackRock, Inc.
6.90%
Pertento Partners
5.20%
The Vanguard Group
5.10%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more.
Read the proxy statement