NBBK
Company Description
NB Bancorp, Inc. focuses on operating as a bank holding company for Needham Bank that provides various banking products and services in Greater Boston metropolitan area and surrounding communities in Massachusetts, eastern Connecticut, southern New Hampshire, and Rhode Island. 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, one- to four-family residential real estate, 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, municipal bonds, and corporate bonds. The company was founded in 1892 and is based in Needham, Massachusetts.
Track Record
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 317.21M | 304.05M | 237.52M | 128.88M | 98.80M |
| Net Income | 50.30M | 42.15M | 9.82M | 30.07M | 21.57M |
| EPS | 1.34 | 1.07 | 0.23 | 0.70 | 0.51 |
| Free Cash Flow | 57.38M | 41.25M | 50.03M | 31.22M | 42.04M |
| FCF / Share | 1.40 | 1.05 | 1.19 | 0.73 | 0.98 |
| Operating CF | 60.79M | 43.19M | 52.90M | 39.71M | 43.84M |
| Total Assets | 7.01B | 5.16B | 4.53B | 3.59B | 2.92B |
| Total Debt | 196.24M | 120.83M | 283.34M | 293.08M | 256,000 |
| Cash & Equiv | 325.71M | 211.17M | 90.48M | 131.07M | 457.18M |
| Book Value | 858.93M | 765.17M | 757.96M | 344.06M | 326.13M |
| Return on Equity | 0.06 | 0.06 | 0.01 | 0.09 | 0.07 |
| Metric | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 109.13M | 70.28M | 83.25M | 82.97M | 80.71M | 80.98M | 77.27M | 74.10M | 71.69M | 67.14M | 62.74M | 55.34M |
| Net Income | 14.98M | 7.71M | 15.36M | 14.58M | 12.65M | 15.61M | 8.38M | 9.45M | 8.70M | (13.62M) | 8.47M | 6.22M |
| EPS | 0.37 | 0.19 | 0.43 | 0.39 | 0.33 | 0.40 | 0.21 | 0.24 | 0.22 | -0.32 | 0.20 | 0.15 |
| Free Cash Flow | 25.30M | (2.50M) | 23.94M | 26.09M | 9.84M | 19.86M | 8.40M | 23.81M | (11.68M) | 13.04M | 15.74M | 14.38M |
| FCF / Share | 0.62 | -0.06 | 0.68 | 0.70 | 0.25 | 0.50 | 0.21 | 0.61 | -0.29 | 0.31 | 0.37 | 0.34 |
| Operating CF | 27.33M | (440,000) | 24.25M | 27.04M | 9.95M | 20.42M | 8.62M | 24.70M | (11.41M) | 13.28M | 16.40M | 14.96M |
| Total Assets | 7.23B | 7.01B | 5.44B | 5.23B | 5.24B | 5.16B | 5.00B | 4.81B | 4.65B | 4.53B | 4.23B | 4.03B |
| Total Debt | 189.70M | 196.24M | 41.45M | 127.60M | 90.83M | 120.83M | 116.33M | 60.84M | 60.84M | 283.34M | 345.63M | 337.64M |
| Cash & Equiv | 327.74M | 325.71M | 197.55M | 157.11M | 201.14M | 211.17M | 148.19M | 170.25M | 163.66M | 90.48M | 102.45M | 81.86M |
| Book Value | 842.78M | 858.93M | 737.03M | 737.12M | 739.61M | 765.17M | 747.45M | 744.46M | 733.84M | 757.96M | 365.70M | 356.97M |
| Return on Equity | 0.02 | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 | 0.01 | 0.01 | 0.01 | -0.02 | 0.02 | 0.02 |
