Saturday 17 October 2026 Export NBBK’s income statement to Excel — free account

NB Bancorp, Inc.

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.

21.86 0.51 −2.28%

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Market cap: $913.3M
P/E: 14.4×
Fwd P/E: 10.2×
Dividend yield: 1.28%
F-score: 5/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.76

Total sells 0.05

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	1	—	—	3	2	1	—	—	2	—	—
Sell	—	—	—	—	—	—	—	—	—	1	—	—

Insider Ownership 10.06%

Capital & Financial Ratios $m

Market Cap 913.33

Revenue 414.64

Net Income 59.18

Free Cash Flow 78.03

Net Debt (218.91)

Current Ratio 1.06

Debt/Equity 0.22

P/E ratio 14.38

Fwd P/E 10.20

P/S ratio 2.09

P/B ratio 1.03

Past 5Y EPS Growth —

This Y EPS Growth 24.85%

Next Y EPS Growth 23.19%

Next Y revenue growth (14.67%)

Next 5Y EPS Growth 19.93%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

Dividends

Payout Ratio 0.19

Annual Dividend Rate 0.28

Annual Dividend Yield 1.28%

	total	individual payouts
2027	Powerpack
2026	0.21	0.07 0.07 0.07
2025	0.07	0.07 0.07

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	273	364	408	400
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	4,147	4,678	6,398	6,830

	2023	2024	2025	Q'26
Payables	3,387	4,178	5,854	6,320
ST’ Debt	—	—	—	—
Other	—	—	—	—
	3,488	4,267	5,946	6,419

Compound Annual Growth %

	10y	5y	3y
Sales	—	—	39.39%
Cash Flow	—	—	15.25%
Earnings	—	—	18.72%
Book Value	—	—	35.66%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	110	117	—	—	—
’25	81	84	85	102	352
’24	72	74	77	82	305
’23	52	55	63	68	238

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	27	34	—	—	—
’25	10	27	24	0	61
’24	(11)	25	9	21	43
’23	8	15	16	13	53

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	25	31	—	—	—
’25	10	26	24	(2)	57
’24	(12)	24	8	21	41
’23	7	14	16	13	50

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.36	0.53	—	—	—
’25	0.33	0.39	0.43	0.19	1.34
’24	0.22	0.24	0.21	0.40	1.07

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	—	—	—	—	—	—	—	13.45	13.10	15.09	Analyst estimates 2026–2028 Powerpack
	High	—	—	—	—	—	—	—	14.18	21.05	21.58
People
People	Employees	—	—	—	—	—	—	—	102	376	526
	Revenue/emp, $m	—	—	—	—	—	—	0.00	2.33	0.81	0.67
Income, $m
Income, $m	Revenue	—	—	—	—	—	—	130	238	305	352
	Gross margin, %	—	—	—	—	—	—	88.04	61.92	56.96	60.71
	EBT	—	—	—	—	—	—	36	12	59	71
	EBT margin, %	—	—	—	—	—	—	28.00	4.99	19.21	20.21
	Net income	—	—	—	—	—	—	30	10	42	50
	Depreciation	—	—	—	—	—	—	3	3	3	3
Per share, $
Per share, $	Revenue	—	—	—	—	—	—	0.00	5.65	7.75	9.41
	Earnings	—	—	—	—	—	—	—	0.23	1.07	1.34
	Cash flow	—	—	—	—	—	—	0.00	1.26	1.10	1.63
	Capex	—	—	—	—	—	—	0.00	(0.07)	(0.05)	(0.09)
	Free cash flow	—	—	—	—	—	—	0.00	1.19	1.05	1.53
	Book value	—	—	—	—	—	—	0.00	18.04	19.43	22.96
	Shares, m	—	—	—	—	—	—	—	42	39	37
Valuation, ×
Valuation, ×	P/E	—	—	—	—	—	—	16.88	16.88	16.88	14.79
	P/S	—	—	—	—	—	—	0.00	0.00	2.33	2.11
	P/B	—	—	—	—	—	—	0.00	0.00	0.93	0.86
	EV/Sales	—	—	—	—	—	—	1.04	0.05	1.54	1.51
	EV/FCF	—	—	—	—	—	—	4.35	0.21	11.35	9.23
Cash, $m
Cash, $m	Operating cash flow	—	—	—	—	—	—	40	53	43	61
	Capex	—	—	—	—	—	—	(8)	(3)	(2)	(3)
	Free cash flow	—	—	—	—	—	—	31	50	41	57
Balance, $m
Balance, $m	Working capital	—	—	—	—	—	—	211	659	411	452
	Total debt	—	—	—	—	—	—	293	283	121	196
	Net debt	—	—	—	—	—	—	137	11	(243)	(211)
	Shareholders’ equity	—	—	—	—	—	—	344	758	765	859
Returns, %
Returns, %	ROA	—	—	—	—	—	—	0.00	0.24	0.87	0.83
	ROIC	—	—	—	—	—	—	4.73	0.96	7.02	8.53
	ROE	—	—	—	—	—	—	0.00	1.78	5.53	6.19

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
CAC Camden National Corporation	$944.0M	10.7×	9.4×	+1.16% (above 0%: growing)	+63.86% (above 0%: growing)	+557.83% (above 0%: growing)	72.13%	0.00%	Compare
CPF CPB Inc.	$929.5M	11.6×	10.8×	+2.39% (above 0%: growing)	+17.65% (above 0%: growing)	+23.90% (above 0%: growing)	83.01%	0.00%	Compare
TRST TrustCo Bank Corp NY	$919.8M	15.0×	9.1×	+6.20% (above 0%: growing)	+24.05% (above 0%: growing)	+2.59% (above 0%: growing)	69.96%	0.00%	Compare
HAFC Hanmi Financial Corporation	$917.4M	10.4×	9.6×	+2.07% (above 0%: growing)	+58.00% (above 0%: growing)	+48.02% (above 0%: growing)	64.66%	0.00%	Compare
NBBK NB Bancorp, Inc.	$913.3M	14.4×	10.2×	+39.49% (above 0%: growing)	+35.90% (above 0%: growing)	+19.91% (above 0%: growing)	63.66%	0.00%
MPB Mid Penn Bancorp	$911.3M	12.6×	11.6×	+24.51% (above 0%: growing)	+290.91% (above 0%: growing)	−3.90% (below 0%: shrinking)	70.72%	0.00%	Compare
FCBC First Community Bancshares, Inc.	$911.3M	15.3×	15.0×	+35.47% (above 0%: growing)	+77.61% (above 0%: growing)	+82.80% (above 0%: growing)	92.36%	0.00%	Compare
SBSI Southside Bancshares, Inc.	$909.2M	12.1×	9.8×	+6.52% (above 0%: growing)	+25.00% (above 0%: growing)	+1,301.48% (above 0%: growing)	60.49%	0.00%	Compare
FMNB Farmers National Banc Corp.	$900.6M	10.4×	9.4×	+43.94% (above 0%: growing)	+5.41% (above 0%: growing)	+114.21% (above 0%: growing)	70.09%	0.00%	Compare
Median of peers	$914.3M	11.9×	9.7×	+6.36%	+41.50%	+65.41%	70.41%	0.00%

All 323 Banks Regional stocks →

NB Bancorp, Inc. (NBBK) key facts

Strength: NB Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $351.9 million, up 15.4% from fiscal 2024.
Strength: Net income was $50.3 million, or $1.34 per share (basic), a net margin of 14.3%.
NB Bancorp, Inc. (NBBK) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, NBBK traded at $21.86, a market capitalization of $913.3 million.
At that price the stock trades at 14.4× trailing-twelve-month earnings and 2.1× sales.
NB Bancorp, Inc. pays an annual dividend of $0.28 per share, a yield of 1.28%, with a payout ratio of 18.5%.
Return on equity was 6.19% and debt-to-equity 0.22.
Its Piotroski F-score is 5 out of 9 for fiscal 2025.