NB Bancorp, Inc. (NBBK) Financial Statements
Industry: Savings Institutions, Not Federally Chartered
In fiscal 2025, NB Bancorp reported revenue of $213.7M, up 23.7% from $172.7M the year before. Net income was $50.3M (a 23.5% net margin), or $1.34 per diluted share. Net interest income was $197.5M, and the efficiency ratio (noninterest expense / revenue) was 64.5%. Operating activities generated $60.8M of cash, leaving $57.4M of free cash flow. At fiscal year end, NB Bancorp held $7.01B in total assets against $6.15B in total liabilities.
Open the full interactive NB Bancorp financials → Quarterly statements, key ratios, valuation history and price charts.
NB Bancorp Key Stats
| Share Price | $22.22 |
|---|---|
| Market Cap | $888.8M |
| P/E Ratio | 16.6 |
| Revenue YoY Growth | +23.7% |
| 52-Week Range | $16.84 – $23.25 |
| Shares Outstanding | 39.7 million (basic, 2026 Q2) |
NB Bancorp Income Statement
| FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|
| Net Interest Income | $130.1M | $161.2M | $197.5M |
| Provision for Credit Losses | $13.9M | $12.1M | $4.7M |
| Noninterest Income | $15.6M | $11.5M | $16.2M |
| Noninterest Expense | $119.9M | $102.0M | $137.9M |
| Revenue | $145.6M | $172.7M | $213.7M |
| Pre-Tax Income | $11.8M | $58.6M | $71.1M |
| Income Tax | $2.0M | $16.5M | $20.8M |
| Net Income | $9.8M | $42.1M | $50.3M |
| Diluted EPS | $0.23 | $1.07 | $1.34 |
NB Bancorp Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $51.7M | $63.4M | $69.4M | $74.7M |
| Net Income | $15.4M | $7.7M | $15.0M | $21.1M |
| Diluted EPS | $0.43 | $0.20 | $0.36 | $0.53 |
NB Bancorp Balance Sheet
| FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|
| Loans (Net) | $3.86B | $4.29B | $5.90B |
| Total Assets | $4.53B | $5.16B | $7.01B |
| Deposits | $3.39B | $4.18B | $5.85B |
| Total Long-Term Debt | $283.3M | $120.8M | $196.2M |
| Total Liabilities | $3.78B | $4.39B | $6.15B |
| Shareholders' Equity | $758.0M | $765.2M | $858.9M |
NB Bancorp Cash Flow Statement
| FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|
| Cash From Operations | $53.0M | $43.2M | $60.8M |
| Cash From Investing | -$831.6M | -$546.4M | -$519.0M |
| Cash From Financing | $894.7M | $594.5M | $502.0M |
| Free Cash Flow | $50.1M | $41.2M | $57.4M |
Figures from NB Bancorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full NB Bancorp financials page for every line item.
NB Bancorp Company Profile
| Ticker | NBBK |
|---|---|
| Exchange | Nasdaq |
| Industry | Savings Institutions, Not Federally Chartered |
| Headquarters | Needham, Massachusetts |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer, emerging growth company |
| SEC CIK | 0001979330 |
Frequently Asked Questions
What was NB Bancorp's revenue in fiscal 2025?
NB Bancorp (NBBK) reported revenue of $213.7M for fiscal 2025.
What is NB Bancorp's annual revenue history?
NB Bancorp's annual revenue by fiscal year: 2023: $145.6M; 2024: $172.7M; 2025: $213.7M.
What was NB Bancorp's net income in fiscal 2025?
NB Bancorp reported net income of $50.3M for fiscal 2025.
What was NB Bancorp's earnings per share (EPS) in fiscal 2025?
NB Bancorp's diluted EPS was $1.34 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did NB Bancorp generate in fiscal 2025?
NB Bancorp generated $57.4M of free cash flow in fiscal 2025.
What was NB Bancorp's revenue last quarter?
In its most recent reported quarter (2026 Q2), NB Bancorp reported revenue of $74.7M.
How much debt does NB Bancorp have?
NB Bancorp reported $196.2M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of NB Bancorp are outstanding?
NB Bancorp reported a weighted average of 39.7 million basic shares outstanding in 2026 Q2.
What is NB Bancorp's market cap?
Based on its latest closing price, NB Bancorp (NBBK) has a market capitalization of about $888.8M.
When does NB Bancorp's fiscal year end?
NB Bancorp's fiscal year end, as registered with the SEC, is December 31.
Where is NB Bancorp headquartered?
NB Bancorp lists its business address in Needham, Massachusetts in its SEC filings.
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