What is NB Bancorp's earnings per share (EPS)?

NB Bancorp (NBBK) reported diluted earnings per share of $1.34 for fiscal year 2025. This represents a 25.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

NB Bancorp Financials

NBBK

Source SEC Filings (10-K/10-Q) Data as of Mar 31, 2026 Currency USD FYE December

This page shows NB Bancorp (NBBK) financial statements, including the 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).

Rhea AI NBBK FY2025 2026-05-08

NB Bancorp’s earnings growth is being driven mainly by balance-sheet expansion, with leverage doing more work than improving asset profitability.

By FY2025, assets had reached $7.01B while return on assets eased to 0.7%, so the larger balance sheet was not becoming more productive dollar for dollar. Even so, return on equity improved as debt-to-equity rose to 7.2x, which means recent profit growth for common shareholders came more from added funding leverage than from stronger asset-level economics.

Cash conversion was healthy in FY2025: operating cash flow of $60.8M exceeded net income of $50.3M, so earnings were supported by cash rather than relying mainly on accounting timing. With capital spending only $3.4M, the bank is not physically capital intensive; free cash flow of $57.4M reflects a model where cash use is shaped more by funding and asset deployment than by equipment needs.

The balance sheet also became more liability-funded, ending FY2025 with $6.15B of liabilities and $858.9M of equity, which narrows the equity cushion supporting a much larger asset base. Cash still rose to $407.6M even after reported buybacks of $77.1M, suggesting incoming funding was being put to work while preserving some liquidity rather than simply accumulating idle cash.

Financial Health Signals

Financial Health Score 65/100

Scored as: Banks peer group

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.

Earnings

Growth

Capital

Efficiency

Credit Quality

Stability

Piotroski F-Score Partial

3/6

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.

Earnings Quality Cash-Backed

1.21x

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

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Earnings & Revenue

Revenue

$335.7M

YoY+14.8%

NB Bancorp generated $335.7M in revenue in fiscal year 2025. This represents an increase of 14.8% from the prior year.

EBITDA

N/A

Net Income

$50.3M

YoY+19.3%

NB Bancorp reported $50.3M in net income in fiscal year 2025. This represents an increase of 19.3% from the prior year.

EPS (Diluted)

$1.34

YoY+25.2%

NB Bancorp earned $1.34 per diluted share (EPS) in fiscal year 2025. This represents an increase of 25.2% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$57.4M

YoY+39.1%

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.

Cash & Debt

$407.6M

YoY+12.0%

NB Bancorp held $407.6M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

46M

YoY+7.2%

NB Bancorp had 46M shares outstanding in fiscal year 2025. This represents an increase of 7.2% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

15.0%

YoY+0.6pp

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.

Return on Equity

5.9%

YoY+0.3pp

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.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$77.1M

NB Bancorp spent $77.1M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Capital Expenditures

$3.4M

YoY+76.3%

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.

NBBK Income Statement

Metric	FY25	FY24	FY23	FY22
Revenue	$335.7M+14.8%	$292.5M+31.7%	$222.2M+83.6%	$121.0M
Cost of Revenue	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A
SG&A Expenses	$7.3M+17.3%	$6.2M-0.6%	$6.3M+66.1%	$3.8M
Operating Income	N/A	N/A	N/A	N/A
Interest Expense	$5.4M+22.7%	$4.4M-95.1%	$90.4M+481.7%	$15.5M
Income Tax	$20.8M+26.5%	$16.5M+715.7%	$2.0M-68.1%	$6.3M
Net Income	$50.3M+19.3%	$42.1M+329.0%	$9.8M-67.3%	$30.1M
EPS (Diluted)	$1.34+25.2%	$1.07+365.2%	$0.23	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$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+6.9%	$71.1M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$3.5M+17.4%	$3.0M+105.4%	$1.5M-0.3%	$1.5M+6.5%	$1.4M-50.5%	$2.8M+2323.5%	$115K-93.2%	$1.7M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$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+7.0%	$32.4M
Income Tax	$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+195.4%	$2.4M
Net Income	$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-11.3%	$9.5M
EPS (Diluted)	$0.36	N/A	$0.43+10.3%	$0.39+18.2%	$0.33	N/A	$0.21-12.5%	$0.24

NBBK Balance Sheet

Metric	FY25	FY24	FY23	FY22
Total Assets	$7.0B+35.8%	$5.2B+13.8%	$4.5B+26.2%	$3.6B
Current Assets	N/A	N/A	N/A	N/A
Cash & Equivalents	$407.6M+12.0%	$363.9M+33.5%	$272.6M+74.1%	$156.5M
Inventory	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A
Goodwill	$18.5M	$0	$0	$0
Total Liabilities	$6.1B+39.9%	$4.4B+16.3%	$3.8B+16.2%	$3.2B
Current Liabilities	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A
Total Equity	$858.9M+12.3%	$765.2M+1.0%	$758.0M+120.3%	$344.1M
Retained Earnings	$445.2M+11.2%	$400.5M+9.4%	$366.2M+2.1%	$358.5M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$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+4.1%	$4.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$375.4M-7.9%	$407.6M+38.0%	$295.4M+14.2%	$258.7M-17.5%	$313.4M-13.9%	$363.9M+14.8%	$317.0M-3.6%	$328.9M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$18.5M0.0%	$18.5M	N/A	N/A	N/A	$0	N/A	N/A
Total Liabilities	$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+4.8%	$4.1B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$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+1.8%	$734.3M
Retained Earnings	$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-0.5%	$384.3M

NBBK Cash Flow Statement

Metric	FY25	FY24	FY23	FY22
Operating Cash Flow	$60.8M+40.8%	$43.2M-18.4%	$52.9M+33.2%	$39.7M
Capital Expenditures	$3.4M+76.3%	$1.9M-32.4%	$2.9M-66.3%	$8.5M
Free Cash Flow	$57.4M+39.1%	$41.3M-17.6%	$50.0M+60.3%	$31.2M
Investing Cash Flow	-$519.0M+5.0%	-$546.4M+34.3%	-$831.6M-24.5%	-$668.0M
Financing Cash Flow	$502.0M-15.6%	$594.5M-33.6%	$894.8M+181.6%	$317.8M
Dividends Paid	$5.6M	N/A	N/A	N/A
Share Buybacks	$77.1M	N/A	N/A	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$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-65.1%	$24.7M
Capital Expenditures	$2.0M-1.4%	$2.1M+576.3%	$304K-68.0%	$949K+778.7%	$108K-80.6%	$558K+154.8%	$219K-75.4%	$891K
Free Cash Flow	$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-64.7%	$23.8M
Investing Cash Flow	-$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-28.7%	-$156.4M
Financing Cash Flow	$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+24.1%	$145.6M
Dividends Paid	$3.2M+15.0%	$2.8M	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$27.8M	$0-100.0%	$17.5M-7.2%	$18.9M-53.6%	$40.7M	N/A	N/A	N/A

NBBK Financial Ratios

Metric	FY25	FY24	FY23	FY22
Gross Margin	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A
Net Margin	15.0%+0.6pp	14.4%+10.0pp	4.4%-20.4pp	24.8%
Return on Equity	5.9%+0.3pp	5.5%+4.2pp	1.3%-7.4pp	8.7%
Return on Assets	0.7%-0.1pp	0.8%+0.6pp	0.2%-0.6pp	0.8%
Current Ratio	N/A	N/A	N/A	N/A
Debt-to-Equity	7.16+1.4	5.74+0.8	4.98-4.5	9.44
FCF Margin	17.1%+3.0pp	14.1%-8.4pp	22.5%-3.3pp	25.8%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	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%-2.3pp	13.3%
Return on Equity	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%-0.2pp	1.3%
Return on Assets	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%-0.0pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.57+0.4	7.16+0.8	6.38+0.3	6.090.0	6.09+0.3	5.74+0.0	5.69+0.2	5.53
FCF Margin	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%-22.4pp	33.5%

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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.

Does NB Bancorp buy back shares?

Yes, NB Bancorp (NBBK) spent $77.1M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does NB Bancorp have outstanding?

NB Bancorp (NBBK) had 46M shares outstanding as of fiscal year 2025.

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 65 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.