NB Bancorp Financials
NB Bancorp (NBBK) reported $396.5M in revenue over the twelve months to Jun 30, 2026, up 28.0% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 4 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Liability-funded balance-sheet expansion is the dominant mechanic, with asset growth outpacing returns as NB Bancorp scales.
Leverage intensified: debt-to-equity rose from 5.7x in FY2024 to 7.2x in FY2025. At the same time, asset efficiency weakened, with ROA moving from0.8% to0.7% ; the balance sheet expanded faster than its earnings yield.
FY2025 cash conversion was favorable: operating cash flow of
The bank's balance-sheet funding structure paired a
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of NB Bancorp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
NB Bancorp passes 3 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.
For every $1 of reported earnings, NB Bancorp generates $1.21 in operating cash flow ($60.8M OCF vs $50.3M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
NB Bancorp generated $335.7M in revenue in fiscal year 2025. This represents an increase of 14.8% from the prior year.
NB Bancorp reported $50.3M in net income in fiscal year 2025. This represents an increase of 19.3% from the prior year.
NB Bancorp earned $1.34 per diluted share (EPS) in fiscal year 2025. This represents an increase of 25.2% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
NB Bancorp generated $57.4M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 39.1% from the prior year.
NB Bancorp held $407.9M in cash as of fiscal year 2025; long-term debt is not reported for that period.
Not reported for fiscal year 2025.
Margins & Returns
NB Bancorp's net profit margin was 15.0% in fiscal year 2025, showing the share of revenue converted to profit. This is up 0.6 percentage points from the prior year.
NB Bancorp's ROE was 5.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.3 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
NB Bancorp spent $77.1M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.
NB Bancorp invested $3.4M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 76.3% from the prior year.
Not reported for fiscal year 2025.
NBBK Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $111.8M+5.8% | $105.7M+8.6% | $97.4M+19.2% | $81.7M+2.3% | $79.8M+3.9% | $76.9M-0.4% | $77.2M+1.6% | $76.0M |
| SG&A Expenses | $4.2M+18.0% | $3.5M+48.5% | $2.4M+62.4% | $1.5M-30.2% | $2.1M+52.2% | $1.4M-50.5% | $2.8M+2323.5% | $115K |
| Interest Expense | $42.6M+4.5% | $40.8M+143.3% | -$94.3M-381.3% | $33.5M+2.0% | $32.8M-1.5% | $33.3M+136.1% | -$92.2M-366.0% | $34.7M |
| Income Tax | $6.4M+18.7% | $5.4M-25.2% | $7.2M+56.0% | $4.6M+11.1% | $4.1M-15.8% | $4.9M+34.1% | $3.7M-47.6% | $7.0M |
| Net Income | $21.1M+41.0% | $15.0M+94.4% | $7.7M-49.8% | $15.4M+5.4% | $14.6M+15.2% | $12.7M-18.9% | $15.6M+86.2% | $8.4M |
| EPS (Diluted) | $0.53+47.2% | $0.36+80.0% | $0.20-53.5% | $0.43+10.3% | $0.39+18.2% | $0.33-17.5% | $0.40+90.5% | $0.21 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
NBBK Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $7.4B+3.1% | $7.2B+3.1% | $7.0B+28.7% | $5.4B+4.1% | $5.2B-0.3% | $5.2B+1.6% | $5.2B+3.1% | $5.0B |
| Cash & Equivalents | $400.2M+6.6% | $375.4M-8.0% | $407.9M+38.1% | $295.4M+14.2% | $258.8M-17.4% | $313.4M-13.9% | $363.9M+14.8% | $317.0M |
| Goodwill | $18.5M0.0% | $18.5M0.0% | $18.5M | N/A | N/A | N/A | $0 | N/A |
| Total Liabilities | $6.6B+3.5% | $6.4B+3.8% | $6.1B+30.6% | $4.7B+4.8% | $4.5B-0.3% | $4.5B+2.5% | $4.4B+3.2% | $4.3B |
| Total Equity | $842.0M-0.1% | $842.8M-1.9% | $858.9M+16.5% | $737.0M0.0% | $737.1M-0.3% | $739.6M-3.3% | $765.2M+2.4% | $747.4M |
| Retained Earnings | $475.0M+3.9% | $457.0M+2.6% | $445.2M+1.1% | $440.3M+2.9% | $427.7M+3.5% | $413.1M+3.2% | $400.5M+4.7% | $382.6M |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Long-Term Debt.
NBBK Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $34.2M+25.1% | $27.3M+6311.6% | -$440K-101.8% | $24.2M-10.3% | $27.0M+171.8% | $9.9M-53.2% | $21.3M+146.9% | $8.6M |
| Capital Expenditures | $2.9M+42.8% | $2.0M-1.4% | $2.1M+576.3% | $304K-68.0% | $949K+778.7% | $108K-80.6% | $558K+154.8% | $219K |
| Free Cash Flow | $31.3M+23.6% | $25.3M+1113.8% | -$2.5M-110.4% | $23.9M-8.2% | $26.1M+165.1% | $9.8M-52.5% | $20.7M+146.7% | $8.4M |
| Investing Cash Flow | -$202.0M+23.8% | -$265.2M-65.1% | -$160.6M+10.3% | -$179.1M-339.7% | -$40.7M+70.6% | -$138.5M-21.4% | -$114.1M+43.3% | -$201.3M |
| Financing Cash Flow | $192.3M-6.5% | $205.6M-24.8% | $273.3M+42.7% | $191.6M+566.7% | -$41.0M-152.5% | $78.2M-44.0% | $139.7M-22.7% | $180.8M |
| Dividends Paid | $3.1M-2.3% | $3.2M+15.0% | $2.8M | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | $18.5M-33.4% | $27.8M | $0-100.0% | $17.5M-7.2% | $18.9M-53.6% | $40.7M | N/A | N/A |
NBBK Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 18.9%+4.7pp | 14.2%+6.3pp | 7.9%-10.9pp | 18.8%+0.5pp | 18.3%+1.8pp | 16.5%-3.7pp | 20.2%+9.2pp | 11.0% |
| Return on Equity | 2.5%+0.7pp | 1.8%+0.9pp | 0.9%-1.2pp | 2.1%+0.1pp | 2.0%+0.3pp | 1.7%-0.3pp | 2.0%+0.9pp | 1.1% |
| Return on Assets | 0.3%+0.1pp | 0.2%+0.1pp | 0.1%-0.2pp | 0.3%0.0pp | 0.3%0.0pp | 0.2%-0.1pp | 0.3%+0.1pp | 0.2% |
| Debt-to-Equity | 7.84+0.3x | 7.57+0.4x | 7.16+0.8x | 6.38+0.3x | 6.090.0x | 6.09+0.3x | 5.740.0x | 5.69 |
| FCF Margin | 28.0%+4.0pp | 23.9%+26.5pp | -2.6%-31.9pp | 29.3%-3.4pp | 32.7%+19.9pp | 12.8%-14.0pp | 26.8%+15.8pp | 11.1% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
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Where NB Bancorp Ranks
Frequently Asked Questions
What is NB Bancorp's annual revenue?
NB Bancorp (NBBK) reported $335.7M in total revenue for fiscal year 2025. This represents a 14.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is NB Bancorp's revenue growing?
NB Bancorp (NBBK) revenue grew by 14.8% year-over-year, from $292.5M to $335.7M in fiscal year 2025.
Is NB Bancorp profitable?
Yes, NB Bancorp (NBBK) reported a net income of $50.3M in fiscal year 2025, with a net profit margin of 15.0%.
What is NB Bancorp's net profit margin?
NB Bancorp (NBBK) had a net profit margin of 15.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is NB Bancorp's return on equity (ROE)?
NB Bancorp (NBBK) has a return on equity of 5.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is NB Bancorp's free cash flow?
NB Bancorp (NBBK) generated $57.4M in free cash flow during fiscal year 2025. This represents a 39.1% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is NB Bancorp's operating cash flow?
NB Bancorp (NBBK) generated $60.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are NB Bancorp's total assets?
NB Bancorp (NBBK) had $7.0B in total assets as of fiscal year 2025, including both current and long-term assets.
What are NB Bancorp's capital expenditures?
NB Bancorp (NBBK) invested $3.4M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is NB Bancorp's debt-to-equity ratio?
NB Bancorp (NBBK) had a debt-to-equity ratio of 7.16 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is NB Bancorp's return on assets (ROA)?
NB Bancorp (NBBK) had a return on assets of 0.7% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is NB Bancorp's Piotroski F-Score?
NB Bancorp (NBBK) has a Piotroski F-Score of 3 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are NB Bancorp's earnings high quality?
NB Bancorp (NBBK) has an earnings quality ratio of 1.21x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is NB Bancorp?
NB Bancorp (NBBK) scores 66 out of 100 on our Financial Health Score, indicating strong standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.