NB Bancorp, Inc. NBBK R2KR3KFINANCIAL
Company Overview
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.
Why Investors Should Care
Net profit has compounded at 18.7% per year over the last five years.
Trades at an undemanding P/E of 15.2.
Maintains a net profit margin of 23.7%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Trailing 12 Months Year-on-year growth — revenue +48.6%, earnings +35.9%.
- 5-Year Trend Long-term compounding — profit CAGR 18.7%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | - |
| 1 Year: | 48.60% |
Compounded Profit Growth
| 5 Years: | 18.72% |
| 1 Year: | 35.90% |
Stock Price Performance
| 1 Year: | +25.78% |
| 6 Months: | +16.95% |
| 3 Months: | +2.98% |
| 1 Month: | +2.36% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)59.06 · Neutral
P/E of 15.15 is above the sector median of 13.55 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 23.7%.
- Profit CAGR of 18.7% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | NBBK NB Bancorp, Inc. R2KR3KFINANCIAL | 23.03 | 15.15 | $1.01B | 1.24% | - | 7.50% | - | 18.72% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 331.58 | 14.21 | $881.40B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 542.19 | 13.64 | $763.42B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 407.92 | 34.69 | $695.14B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 623.60 | 34.34 | $542.20B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 813,595.00 | 13.64 | $397.40B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 7 | BAC Bank of America Corporation SPXR3KFINANCIAL | 50.56 | 11.68 | $353.55B | 2.39% | - | 11.20% | 3.14% | 4.27% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 90.68 | 12.95 | $310.38B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 179.49 | 14.51 | $281.90B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 4.28M | 6.67M | 7.09M | 8.75M | 6.22M | 8.47M | 8.70M | 9.45M | 8.38M | 12.65M | 14.58M | 15.36M | 14.98M | 21.12M |
| Diluted EPS | - | - | - | - | - | - | 0.22 | 0.24 | 0.21 | 0.33 | 0.39 | 0.43 | 0.36 | 0.53 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Net Income | 30.07M | 9.82M | 42.15M | 50.30M |
| Diluted EPS | - | 0.23 | 1.07 | 1.34 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Total Assets | - | 3.59B | 4.53B | 5.16B | 7.01B |
| Total Equity | 326.13M | 344.06M | 757.96M | 765.17M | 858.93M |
| Total Liabilities | - | 3.25B | 3.78B | 4.39B | 6.15B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Operating Cash Flow | 39.71M | 52.90M | 43.19M | 60.79M |
| Investing Cash Flow | -667.99M | -831.62M | -546.44M | -519.05M |
| Financing Cash Flow | 317.77M | 894.77M | 594.52M | 502.00M |
| Capital Expenditure | -8.50M | -2.87M | -1.94M | -3.42M |
| Free Cash Flow | 31.22M | 50.03M | 41.25M | 57.38M |
| Share Buybacks | - | - | - | 77.12M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Gross Margin % | - | - | - | - |
| Operating Margin % | - | - | - | - |
| Net Margin % | - | - | - | - |
| ROE % | 8.7% | 1.3% | 5.5% | 5.9% |
| ROCE % | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 7.60% | 3.33M | $73.69M |
| 2 | Vanguard Capital Management LLC | 3.81% | 1.67M | $36.96M |
| 3 | AltraVue Capital, LLC | 3.78% | 1.66M | $36.61M |
| 4 | Pertento Partners LLP | 3.37% | 1.48M | $32.64M |
| 5 | State Street Corporation | 3.36% | 1.47M | $32.56M |
| 6 | Geode Capital Management, LLC | 2.63% | 1.15M | $25.51M |
| 7 | Dimensional Fund Advisors LP | 1.72% | 753.32K | $16.66M |
| 8 | Goldman Sachs Group Inc | 1.31% | 571.95K | $12.65M |
| 9 | Tieton Capital Management, LLC | 1.25% | 546.60K | $12.09M |
| 10 | Hotchkis & Wiley Capital Management, LLC | 1.14% | 501.17K | $11.09M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for NBBK
IPO Stock Of The Week: NB Bancorp Hits Early Buy Point Despite Weak Market Environment - Investor's Business Daily
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NB Bancorp, Inc. (NBBK) Q3 Earnings Beat Estimates - Yahoo Finance
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What Makes NB Bancorp, Inc. (NBBK) a Strong Momentum Stock: Buy Now? - Yahoo Finance
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NBBK — Frequently Asked Questions
What is the current share price of NB Bancorp, Inc. (NBBK)?
As of 2026-10-23 16:27 PDT, NB Bancorp, Inc. (NBBK) trades at $23.03 on NasdaqCM. Its 52-week range is $16.64 to $23.25.
What is the market capitalisation of NBBK?
NB Bancorp, Inc. (NBBK) has a market capitalisation of $1.01B on NasdaqCM.
What is the P/E ratio of NBBK?
NBBK trades at a trailing price-to-earnings (P/E) ratio of 15.15. The industry average P/E is 13.55. Its price-to-book (P/B) ratio is 1.10.
Does NBBK pay a dividend?
NB Bancorp, Inc. (NBBK) currently offers a dividend yield of 1.24%.
What is the return on equity (ROE) of NBBK?
NBBK has a return on equity (ROE) of 7.50%.
Is NBBK a good stock to buy?
This page provides a data-driven analysis of NB Bancorp, Inc. (NBBK), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.