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. In the quarter to June 2026, revenue grew 39.5%, EPS grew 35.9%, free cash flow grew 19.9% and total debt rose 42.0%, each against the same quarter a year earlier. Revenue growth for three consecutive years; insiders bought in the last twelve months.
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NB Bancorp, Inc. (NBBK) Piotroski F-score
NB Bancorp, Inc.'s Piotroski F-score for fiscal 2025 is 5 out of 9: 5 of nine tests of profitability, leverage and efficiency passed, down from 7 in fiscal 2024.
Piotroski F-score, annual
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Annual newest first
| Period | Piotroski F-score | Change (points) |
|---|---|---|
| FY2025 | 5 | (2.00) |
| FY2024 | 7 | — |
How fiscal 2025’s score is made up
| Test | This year | Year before | Result | Points |
|---|---|---|---|---|
| Positive return on assets | 0.83% | 0.87% | Pass | 1 |
| Positive operating cash flow | 60.79m | 43.19m | Pass | 1 |
| Rising return on assets | 0.83% | 0.87% | Fail | 0 |
| Cash flow above net income | 10.49m | 1.04m | Pass | 1 |
| Falling long-term leverage | 0.03 | 0.02 | Fail | 0 |
| Rising current ratio | 1.08 | 1.10 | Fail | 0 |
| No new shares issued | 37,409,200 | 39,389,800 | Pass | 1 |
| Rising gross margin | 60.71% | 56.96% | Pass | 1 |
| Rising asset turnover | 0.06 | 0.06 | Fail | 0 |
| Piotroski F-score | Mixed | 5 | ||
How the Piotroski F-score works
One point for each of nine tests, this fiscal year against the one before: positive return on assets, positive operating cash flow, rising return on assets, cash flow above net income, falling long-term leverage, a rising current ratio, no new shares issued, a rising gross margin and rising asset turnover. The ratios are the ones on this site, so each can be checked.
Joseph Piotroski (2000) called 8–9 high and 0–1 low; reading it in three bands is the common convention:
| 7–9 | Strong — most fundamentals improved |
|---|---|
| 4–6 | Mixed |
| 0–3 | Weak — most fundamentals deteriorated |
Where this differs from the paper: return on assets is on average rather than beginning-of-year assets, and weighted basic shares stand in for shares issued. The score is shown only when all nine tests can be worked out, which takes three fiscal years; banks and insurers, which report no current assets or gross profit, have none.
Piotroski F-score against peers
| Company | Piotroski F-score |
|---|---|
| FCBC First Community Bancshares, Inc. compare | 8 |
| HAFC Hanmi Financial Corporation compare | 8 |
| TRST TrustCo Bank Corp NY compare | 8 |
| CPF CPB Inc. compare | 8 |
| FMNB Farmers National Banc Corp. compare | 8 |
| MPB Mid Penn Bancorp compare | 7 |
| SBSI Southside Bancshares, Inc. compare | 6 |
| NBBK NB Bancorp, Inc. | 5 |
| CAC Camden National Corporation compare | 5 |
What Piotroski F-score is
The Piotroski F-Score tells an investor how many signs of improving profitability, funding and efficiency a company shows against a year earlier.
One point for each of nine tests against a year earlier: positive return on assets, positive operating cash flow, rising return on assets, cash flow above net income, falling long-term leverage, rising current ratio, no new shares issued, rising gross margin, and rising asset turnover