NBBK - NB Bancorp, Inc. Common Stock
Price:
--
--
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CONSENSUS:
Buy
DETAILS
|
PRICE TARGET:
$24.00
DETAILS
HIGH:
$24.00
LOW:
$24.00
MEDIAN:
$24.00
CONSENSUS:
$24.00
UPSIDE:
21.33%
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | |||||
| Revenue | 317.2 | 304.0 | 237.5 | 128.9 | 98.8 |
| Cost of Revenue | 142.9 | 143.4 | 104.3 | 22.2 | 14.7 |
| Gross Profit | 174.3 | 160.6 | 133.2 | 106.6 | 84.1 |
| Operating Expenses | |||||
| R&D Expenses | 0 | 0 | 0 | 0 | 0 |
| SG&A Expenses | 102.5 | 87.4 | 108.7 | 61.2 | 48.3 |
| Other Expenses | 0.6 | 14.6 | 12.7 | 9.0 | 8.2 |
| Operating Expenses | 103.1 | 102.0 | 121.3 | 70.2 | 56.5 |
| Operating Income | |||||
| Operating Income | 71.1 | 58.6 | 11.8 | 36.4 | 27.6 |
| Interest Expense | 138.3 | 131.3 | 90.4 | 15.5 | 12.6 |
| Interest Income | 335.7 | 292.5 | 222.2 | 121.0 | 90.6 |
| Profitability | |||||
| EBITDA | 71.7 | 61.6 | 14.7 | 38.9 | 29.7 |
| EBIT | 71.1 | 58.6 | 11.8 | 36.4 | 27.6 |
| Income Before Tax | 71.1 | 58.6 | 11.8 | 36.4 | 27.6 |
| Income Tax Expense | 20.8 | 16.5 | 2.0 | 6.3 | 6.1 |
| Net Income | 50.3 | 42.1 | 9.8 | 30.1 | 21.6 |
| Per Share Data | |||||
| EPS (Basic) | 1.34 | 1.07 | 0.23 | 0.70 | 0.51 |
| EPS (Diluted) | 1.34 | 1.07 | 0.23 | 0.70 | 0.51 |
| Shares Outstanding | 40.9 | 39.4 | 42.0 | 42.7 | 42.7 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Current Assets | |||||
| Cash & Cash Equivalents | 325.7 | 211.2 | 90.5 | 131.1 | 457.2 |
| Short-Term Investments | 269.0 | 93.9 | 189.5 | 245.5 | 259.8 |
| Net Receivables | 6,011.5 | 19.7 | 17.3 | 15.0 | 7.5 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Total Current Assets | 6,606.2 | 324.8 | 297.2 | 448.7 | 750.9 |
| Non-Current Assets | |||||
| Property, Plant & Equipment | 46.2 | 34.7 | 35.5 | 35.3 | 29.2 |
| Goodwill | 16.8 | 0 | 0 | 0 | 0 |
| Intangible Assets | 19.3 | 0 | 0 | 0 | 0 |
| Long-Term Investments | 0 | 4,453.1 | 3,895.8 | 3,001.0 | 2,090.6 |
| Other Non-Current Assets | 0 | 315.0 | 285.7 | 95.9 | 45.5 |
| Total Non-Current Assets | 130.5 | 4,833.0 | 4,236.2 | 3,143.6 | 2,171.8 |
| Total Assets | 7,006.1 | 5,157.7 | 4,533.4 | 3,592.3 | 2,922.7 |
| Current Liabilities | |||||
| Account Payables | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 100 | 0 | 0 | 0 |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 21.5 | 4,182.2 | 3,391.6 | 2,890.8 | 2,568.2 |
| Total Current Liabilities | 21.5 | 4,282.2 | 3,472.9 | 2,943.2 | 2,588.4 |
| Non-Current Liabilities | |||||
| Long-Term Debt | 196.2 | 20.8 | 283.3 | 293.1 | 0.3 |
| Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 5,929.4 | 89.5 | 19.2 | 12.0 | 7.9 |
| Total Non-Current Liabilities | 6,125.7 | 110.4 | 302.6 | 305.1 | 8.2 |
| Total Liabilities | 6,147.2 | 4,392.6 | 3,775.5 | 3,248.3 | 2,596.5 |
| Stockholders' Equity | |||||
| Common Stock | 0.5 | 0.4 | 0.4 | 0 | 0 |
| Retained Earnings | 445.2 | 400.5 | 366.2 | 358.5 | 328.4 |
| Accumulated Other Comprehensive Income | (3.1) | (8.2) | (11.9) | (14.4) | (2.3) |
| Total Stockholders' Equity | 858.9 | 765.2 | 758.0 | 344.1 | 326.1 |
| Total Liabilities & Equity | 7,006.1 | 5,157.7 | 4,533.4 | 3,592.3 | 2,922.7 |
| Debt Metrics | |||||
| Total Debt | 196.2 | 120.8 | 283.3 | 293.1 | 0.3 |
| Net Debt | (129.5) | (90.3) | 192.9 | 162.0 | (456.9) |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Operating Activities | |||||
| Net Income | 50.3 | 42.1 | 9.8 | 30.1 | 21.6 |
| Depreciation & Amortization | 3.6 | 3.0 | 2.8 | 2.5 | 2.1 |
| Stock-Based Compensation | 6.5 | 2.8 | 0 | 0 | 0 |
| Change in Working Capital | (8.1) | (16.9) | 31.3 | 0.9 | 15.8 |
| Other Non-Cash Items | 5.2 | 22.4 | 16.7 | 7.6 | 3.9 |
| Operating Cash Flow | 60.8 | 43.2 | 52.9 | 39.7 | 43.8 |
| Investing Activities | |||||
| Capital Expenditure | (3.4) | (1.9) | (2.9) | (8.5) | (1.8) |
| Acquisitions | (48.1) | 0 | 0 | 297.7 | 0 |
| Purchases of Investments | (104.1) | (143.0) | (50.3) | (191.8) | (180.4) |
| Sales/Maturities of Investments | 91.4 | 111.8 | 103.6 | 170.6 | 72.9 |
| Other Investing Activities | (454.8) | (513.3) | (882.0) | (936.0) | 67.4 |
| Investing Cash Flow | (519.0) | (546.4) | (831.6) | (668.0) | (41.9) |
| Financing Activities | |||||
| Net Debt Issuance | 44.6 | (162.5) | (9.7) | 292.8 | (120.1) |
| Stock Repurchased | (77.1) | 0 | (13.8) | 0 | 0 |
| Dividends Paid | (5.6) | 0 | 0 | 0 | 0 |
| Other Financing Activities | 540.1 | 790.4 | 500.8 | 24.9 | 362.5 |
| Financing Cash Flow | 502.0 | 594.5 | 894.8 | 317.8 | 242.4 |
| Cash Position | |||||
| Net Change in Cash | 43.7 | 91.3 | 116.0 | (310.5) | 244.3 |
| Cash at Beginning | 363.9 | 272.6 | 156.5 | 467.1 | 222.7 |
| Cash at End | 407.6 | 363.9 | 272.6 | 156.5 | 467.1 |
| Free Cash Flow | 57.4 | 41.2 | 50.0 | 31.2 | 42.0 |
| Key Metrics | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | 317.2 | 304.0 | 237.5 | 128.9 | 98.8 |
| Gross Profit | 174.3 | 160.6 | 133.2 | 106.6 | 84.1 |
| Operating Income | 71.1 | 58.6 | 11.8 | 36.4 | 27.6 |
| Net Income | 50.3 | 42.1 | 9.8 | 30.1 | 21.6 |
| EPS (Diluted) | 1.34 | 1.07 | 0.23 | 0.70 | 0.51 |
| Balance Sheet | |||||
| Cash & Equivalents | 325.7 | 211.2 | 90.5 | 131.1 | 457.2 |
| Total Assets | 7,006.1 | 5,157.7 | 4,533.4 | 3,592.3 | 2,922.7 |
| Total Debt | 196.2 | 120.8 | 283.3 | 293.1 | 0.3 |
| Stockholders' Equity | 858.9 | 765.2 | 758.0 | 344.1 | 326.1 |
| Cash Flow | |||||
| Operating Cash Flow | 60.8 | 43.2 | 52.9 | 39.7 | 43.8 |
| Capital Expenditure | (3.4) | (1.9) | (2.9) | (8.5) | (1.8) |
| Free Cash Flow | 57.4 | 41.2 | 50.0 | 31.2 | 42.0 |