NB Bancorp, Inc.
NBBK Nasdaq· Savings Institutions, Not Federally Chartered
Last close · Oct 27, 2026
$22.63
KIRA · Stoqly’s AI analyst, in plain words
- NB Bancorp, Inc. had $214M of revenue in fiscal 2025, up 23.0% on the year before.
- NB Bancorp, Inc. made $50.3M of net profit in fiscal 2025.
- NB Bancorp, Inc. returned $82.7M to shareholders in fiscal 2025, 144% of free cash flow. The diluted share count fell 4.5%.
- It earned 6.2% on shareholders’ money. Running costs took 64.5% of revenue (the efficiency ratio; lower is better).
Market cap
$905M
P/E
15.0x
Revenue
$214M
Net income
$50.3M
Return on equity
6.2%
Efficiency ratio
64.5%
NB Bancorp, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+23.0%
Yes. Sales grew 23.0% last year.
Does it make a profit?
23.5%
Yes. It keeps 23.5% of every sale as profit.
How lean are its costs?
64.5%
Average. Running costs take 64.5% of revenue.
How much does it earn on its capital?
6.2%
Low. It earns 6.2% a year on shareholders’ money.
How is the share priced?
15.0x
One share costs 15.0 times its yearly profit per share.
What NB Bancorp, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 3, 2026
- Legal name
- NB Bancorp, Inc.
- CIK
- 0001979330
NB Bancorp, Inc. · NBBK
Results and finances
The last 4 fiscal years. Amounts in USD.
| Fiscal year | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|
| Sales and profit | ||||
| Revenue | $114M | $147M | $174M | $214M |
| Revenue growth | — | 28.6% | 18.1% | 23.0% |
| Net interest income | $105M | $132M | $161M | $197M |
| Net income | $30.1M | $9.8M | $42.1M | $50.3M |
| Net margin | 26.3% | 6.7% | 24.3% | 23.5% |
| Diluted EPS | — | $0.23 | $1.07 | $1.34 |
| Cash | ||||
| Cash from operations | $39.7M | $52.9M | $43.2M | $60.8M |
| Capital expenditure | $8.5M | $2.9M | $1.9M | $3.4M |
| Free cash flow | $31.2M | $50.0M | $41.3M | $57.4M |
| FCF margin | 27.3% | 34.0% | 23.7% | 26.9% |
| Dividends paid | — | — | — | $5.6M |
| Share buybacks | — | — | — | $77.1M |
| Share count change | — | — | −6.3% | −4.5% |
| Debt and strength | ||||
| Cash and short-term investments | $157M | $273M | $364M | $408M |
| Loans, net | $3.0B | $3.9B | $4.3B | $5.9B |
| Deposits | $2.9B | $3.4B | $4.2B | $5.9B |
| Shareholders' equity | $344M | $758M | $765M | $859M |
| Returns and quality | ||||
| Return on equity | 8.7% | 1.8% | 5.5% | 6.2% |
| Return on tangible equity | 8.7% | 1.3% | 5.5% | 6.1% |
| Efficiency ratio | 62.3% | 82.5% | 59.3% | 64.5% |
Insiders bought, 12 months
$0.8M
4 insiders
Insiders sold, 12 months
$0.0M
1 insider
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
NB Bancorp, Inc. · NBBK
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $22.63 a share, the company is worth $905M: 15.0 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001979330). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.