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NB Bancorp, Inc. NBBK R2K

Financial Services · Banks - Regional · United States
https://nbbancorp.com

NB Bancorp, Inc. focuses on operating as a bank holding company for Needham Bank that provides various banking products and services in the Greater Boston metropolitan area and surrounding communities in the United States. 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 residential loans, one- to four-family residential real estate, mortgage warehouse loans, 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, corporate bonds, SBA securities and municipal bonds. NB Bancorp, Inc. was founded in 1892 and is based in Needham, Massachusetts.

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$20.03
+20.62% 1Y

Market & Price

Market Cap
$878.24M
Current Price
$20.03
High / Low (52W)
$22.56 / $15.84
Beta
0.06

Valuation

Stock P/E
14.62
Industry PE
12.01
Forward P/E
8.09
PEG Ratio
-
Book Value
$20.28
Price to Book
0.99
P/S
3.89
EV/EBITDA
-
Dividend Yield
1.40%

Profitability & Returns

ROCE
-
ROE
6.65%
ROA
0.84%
Profit Margin
23.31%
Op Margin
34.95%
EPS (Latest Qtr)
$0.36
EPS (TTM)
$1.37

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$210.95M
Total Assets
$7.01B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
12.26%
Chg in Prom Hold
-
FII / Inst Holding
52.56%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
$646.35M
Total Revenue (TTM)
$225.81M
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
$78.17M
Shares Outstanding
43.85M
Gross Margin
0.00%
Payout Ratio
15.33%

Growth (CAGR)

Revenue 5Y
23.53%
Profit 5Y
18.72%
Revenue (YoY)
36.30%
Earnings (YoY)
10.30%

PROS

  • Excellent profit margin of 23.3%.
  • Compounding revenue at 23.5% over 5 years.
  • Profit CAGR of 18.7% over 5 years.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 NBBK NB Bancorp, Inc. R2K 20.03 14.62 $878.24M 1.40% - 6.65% 23.53% 18.72%
2 JPM JPMorgan Chase & Co. SPX 299.31 14.33 $802.00B 2.00% - 16.47% 12.50% 14.83%
3 V Visa Inc. SPX 326.36 28.48 $620.65B 0.82% 38.38% 60.35% 10.92% 10.28%
4 MA Mastercard Incorporated SPX 493.98 28.57 $436.47B 0.70% 61.47% - 13.82% 14.66%
5 MS Morgan Stanley SPX 208.00 18.84 $328.08B 1.92% - 16.39% 9.52% 15.20%
6 GS The Goldman Sachs Group, Inc. SPX 1,025.56 18.73 $302.55B 1.76% - 14.55% 7.16% 15.11%
7 WFC Wells Fargo & Company SPX 77.54 11.98 $237.29B 2.32% - 12.03% 4.02% 15.98%
8 BLK BlackRock, Inc. SPX 1,046.88 26.32 $162.51B 2.19% 4.89% 11.90% 10.65% 2.36%
9 SCHW The Charles Schwab Corporation SPX 87.35 17.37 $151.91B 1.47% - 19.08% 4.83% 7.21%
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Quarterly Results

Figures in USD.

Metric Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue ---------47.41M51.19M51.73M63.36M69.38M
Cost of Revenue --------------
Gross Profit --------------
Operating Expenses --------------
Operating Income --------------
EBITDA --------------
Interest Expense ---------33.33M32.84M33.51M38.61M40.82M
Pretax Income ---------17.57M18.72M19.96M14.88M20.35M
Tax Provision ---------4.91M4.14M4.60M7.17M5.37M
Net Income 4.28M6.67M7.09M8.75M6.22M8.47M8.70M9.45M8.38M12.65M14.58M15.36M7.71M14.98M
Diluted EPS ------0.220.240.210.330.390.430.190.36

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue -113.34M147.07M173.76M213.66M
Cost of Revenue -----
Gross Profit -----
Operating Expenses -----
Operating Income -----
EBITDA -----
Interest Expense -15.55M90.44M131.32M138.29M
Pretax Income -36.39M11.84M58.62M71.13M
Tax Provision -6.32M2.02M16.47M20.83M
Net Income -30.07M9.82M42.15M50.30M
Diluted EPS -0.700.231.071.34

Compounded Sales Growth

5 Years:23.53%
1 Year:36.30%

Compounded Profit Growth

5 Years:18.72%
1 Year:10.30%

Stock Price Performance

1 Year:+20.62%
6 Months:+1.83%
3 Months:-5.81%
1 Month:+2.76%

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -3.59B4.53B5.16B7.01B
Current Assets -----
Cash & Equivalents -131.07M90.48M211.17M325.71M
Inventory -----
Receivables -10.84M17.28M19.68M25.39M
Total Liabilities -3.25B3.78B4.39B6.15B
Current Liabilities -----
Long Term Debt -293.08M283.34M20.84M27.26M
Total Debt -293.08M283.34M120.83M196.24M
Total Equity -344.06M757.96M765.17M858.93M
Shares Outstanding -42.71M42.71M42.71M45.77M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow -39.71M52.90M43.19M60.79M
Investing Cash Flow --667.99M-831.62M-546.44M-519.05M
Financing Cash Flow -317.77M894.77M594.52M502.00M
Capital Expenditure --8.50M-2.87M-1.94M-3.42M
Free Cash Flow -31.22M50.03M41.25M57.38M
Net Change in Cash --310.50M116.05M91.26M43.74M
Share Buybacks ----77.12M

Ratios (Annual)

Figures in %.

Metric Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----
Operating Margin % -----
Net Margin % -26.5%6.7%24.3%23.5%
ROE % -8.7%1.3%5.5%5.9%
ROCE % -----

Shareholding Pattern

Insiders
12.26%
Institutions
52.56%
Public Float
59.90%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 6.90% 3.08M $61.78M
2 Pertento Partners LLP 4.94% 2.21M $44.20M
3 Vanguard Capital Management LLC 3.81% 1.70M $34.13M
4 AltraVue Capital, LLC 2.92% 1.30M $26.12M
5 State Street Corporation 2.89% 1.29M $25.91M
6 Geode Capital Management, LLC 2.46% 1.10M $22.01M
7 Wellington Management Group, LLP 1.59% 710.00K $14.22M
8 Goldman Sachs Group Inc 1.55% 691.67K $13.85M
9 Tieton Capital Management, LLC 1.24% 553.57K $11.09M
10 Dimensional Fund Advisors LP 1.17% 522.38K $10.46M

Analyst View

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