NB Bancorp, Inc. Common Stock

NBBK · NASDAQ · Financial Services / Banks - Regional

21.87USD-0.04 (-0.18%)

Price History

Full chart

Market Stats

Previous Close21.91

Open21.99

Day Range21.77 – 22.37

52-Week Range16.61 – 23.40

Volume220.72K

Market Cap988.55M

P/E (TTM)14.84

Forward P/E0.00

EPS1.52

Dividend Yield1.24%

Beta-0.01

50-Day Avg22.57

200-Day Avg21.26

About

NB Bancorp, Inc. focuses on operating as a bank holding company for Needham Bank that provides various banking products and services in the Greater Boston metropolitan area and surrounding communities in the United States. 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 residential loans, one- to four-family residential real estate, mortgage warehouse loans, 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, corporate bonds, SBA securities and municipal bonds. NB Bancorp, Inc. was founded in 1892 and is based in Needham, Massachusetts.

Company Details

SectorFinancial Services
IndustryBanks - Regional
CEOMr. Joseph P. Campanelli
Employees526
Headquarters1063 Great Plain Avenue, Needham, MA, United States, 02492, USA
Websitehttps://nbbancorp.com

Leadership

Mr. Joseph P. CampanelliPresident, CEO & Chairman · b. 1956
Mr. Jean-Pierre L. Lapointe CPASenior Executive VP & CFO · b. 1982
Ms. Christine RobertsSenior Executive VP & COO · b. 1969
Mr. Keith PhelpsSenior VP & Chief Information Officer
Mr. James WhiteExecutive VP & Chief Administrative Officer · b. 1965
Ms. Margaret WatsonSenior VP & General Counsel · b. 1969
Ms. Colleen LynchSenior VP & Chief Compliance Officer
Ms. Kathleen BarrettSenior Vice President of Marketing
Ms. Linda FarleySenior VP of Human Resources, Learning & Development
Ms. Stephanie L. MaionaExecutive VP and Director of Commercial Real Estate Lending · b. 1968

Financials

Income Statement

Currency: USD	2021-09-30	2022-09-30	2023-09-30	2024-09-30	2025-09-30
Total Revenue	98.80M	128.88M	237.52M	304.05M	317.21M
Growth (%)	-	+30.45%	+84.29%	+28.01%	+4.33%
Cost of Revenue	14.68M	22.25M	104.33M	143.44M	142.94M
Gross Profit	84.12M	106.64M	133.19M	160.61M	174.27M
Gross Margin	85.14%	82.74%	56.08%	52.82%	54.94%
Operating Expense	56.49M	70.25M	121.34M	101.99M	103.14M
Operating Income	27.63M	36.39M	11.84M	58.62M	71.13M
Operating Margin	27.97%	28.23%	4.99%	19.28%	22.42%
EBITDA	29.73M	38.86M	14.67M	61.58M	71.71M
EBITDA Margin	30.09%	30.15%	6.18%	20.25%	22.61%
Net Income	21.57M	30.07M	9.82M	42.15M	50.30M
Net Income Margin	21.84%	23.33%	4.14%	13.86%	15.86%
Interest Expense	12.63M	15.55M	90.44M	131.32M	138.29M
Interest Expense % of Total Revenue	12.78%	12.06%	38.08%	43.19%	43.59%

Balance Sheet

Currency: USD	2021-09-30	2022-09-30	2023-09-30	2024-09-30	2025-09-30
Total Assets	2.92B	3.59B	4.53B	5.16B	7.01B
Total Liabilities	2.60B	3.25B	3.78B	4.39B	6.15B
Total Equity	326.13M	344.06M	757.96M	765.17M	858.93M
Cash	457.18M	131.07M	90.48M	211.17M	325.71M
Total Debt	256.00K	293.08M	283.34M	120.83M	196.24M
Net Debt	-456.93M	162.01M	192.85M	-90.33M	-129.48M

Cash Flow

Currency: USD	2021-09-30	2022-09-30	2023-09-30	2024-09-30	2025-09-30
Operating Cash Flow	43.84M	39.71M	52.90M	43.19M	60.79M
Investing Cash Flow	-41.94M	-667.99M	-831.62M	-546.44M	-519.05M
Financing Cash Flow	242.43M	317.77M	894.77M	594.52M	502.00M
Capital Expenditure	1.80M	8.50M	2.87M	1.94M	3.42M
Free Cash Flow	42.04M	31.22M	50.03M	41.25M	57.38M
Dividends Paid	-	-	0	0	5.58M
FCF to OCF	95.88%	78.60%	94.58%	95.51%	94.38%
Dividend Paid to FCF	-	-	0.00%	0.00%	9.72%

Earnings

Report Date	Dec 31, 2023	Apr 24, 2024	Jul 24, 2024	Oct 30, 2024	Jan 22, 2025	Apr 22, 2025	Jul 23, 2025	Oct 22, 2025	Jan 22, 2026	Apr 22, 2026	Jul 22, 2026	Oct 28, 2026
EPS Estimate	-	0.17	0.23	0.26	0.32	0.35	0.35	0.42	0.45	0.54	0.51	0.59
EPS Actual	-0.32	0.22	0.24	0.33	0.34	0.35	0.40	0.45	0.51	0.38	0.55	-
Surprise	-	29.41%	4.35%	26.92%	6.25%	0.00%	14.29%	7.14%	13.33%	-29.63%	7.84%	-
Timing	-	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	-

Key Statistics & Ratios

Market Cap988.55M

Enterprise Value705.51M

Trailing P/E14.84

Forward P/E0.00

Price / Sales3.97

Price / Book1.17

EPS1.52

Book Value20.62

Revenue (TTM)249.20M

Gross Profit (TTM)249.20M

Profit Margin23.75%

Operating Margin40.66%

Return on Equity7.50%

Return on Assets0.93%

Shares Outstanding43.82M

Shares Float38.42M

Beta-0.01

Dividend Yield1.24%

Dividend Rate0.28

Payout Ratio14.81%

Analyst Ratings

Buy

Based on 1 analystsTarget 25.50

Buy
1

Ownership Breakdown

Institutions: 52.42%
Insiders: 12.53%
Retail / Other: 35.05%

Top Institutional Holders

BlackRock Inc
3.08M7.04%
Vanguard Capital Management, LLC
1.70M3.89%
AltraVue Capital, LLC
1.66M3.78%
Pertento Partners LLP
1.48M3.37%
State Street Corp
1.29M2.95%
Geode Capital Management, LLC
1.10M2.51%
Dimensional Fund Advisors, Inc.
753.32K1.72%
The Goldman Sachs Group Inc
691.67K1.58%
Tieton Capital Management, LLC
546.60K1.25%
Nuveen, LLC
488.03K1.11%
Hotchkis & Wiley Capital Management LLC
450.77K1.03%
FMR Inc
437.73K1.00%
Vanguard Portfolio Management, LLC
386.13K0.88%

Top Fund Holders

Vanguard MStar Total Stk Mkt Idx Invest
1.19M2.72%
iShares Russell 2000 ETF
1.02M2.34%
CREF Total Global Stock Account R3
440.20K1.00%
Fidelity Small Cap Index
437.87K1.00%
Fidelity Enhanced Small Cap Core ETF
436.43K1.00%
State Street® SPDR® S&PRgnllBkgETF
395.84K0.90%
iShares Russell 2000 Value ETF
390.77K0.89%

Dividends

20264×

0.07Oct 29, 20260.07Aug 5, 20260.07May 6, 20260.07Feb 5, 2026

20252×

0.07Nov 5, 20250.07Aug 6, 2025