8-K Announcements
6Material company update
May 21, 2026·SEC
Material company update
May 13, 2026·SEC
Material company update
Apr 29, 2026·SEC
NB Bancorp, Inc. Common Stock(NBBK)Earnings, Financials & Key Ratios
NBBK•NASDAQ•Banking & Credit
$21.03
15.9× P/E·Price updated Jul 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial real estate and multifamily lenders
AboutNB Bancorp, Inc. focuses on operating as a bank holding company for Needham Bank that provides various banking products and services in Greater Boston metropolitan area and surrounding communities in Massachusetts, eastern Connecticut, southern New Hampshire, and Rhode Island. 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, one- to four-family residential real estate, 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, municipal bonds, and corporate bonds. The company was founded in 1892 and is based in Needham, Massachusetts.Show more
- Net Interest Income$197M+22.5%
- Total Revenue$317M+4.3%
- Net Income$50M+19.3%
- Return on Equity6.19%+11.9%
- Net Interest Margin2.82%-9.8%
- Efficiency Ratio32.51%-3.1%
- ROA0.83%-4.9%
- Equity / Assets12.26%-17.4%
- Book Value per Share20.86+7.4%
NBBK Price & Volume
NB Bancorp, Inc. Common Stock (NBBK) stock price & volume — 10-year historical chart
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Aggressive Asset Deployment Drives NBBK Growth Trajectory
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Accelerating
Profitability:Moderate
Financial:Fortress
Cash Flow:Robust
Primary Risk:CRE concentration and liquidity
Key Thesis Takeaways
- NB Bancorp is aggressively deploying capital from its recent mutual-to-stock conversion to scale its interest-earning assets, evidenced by a 49.0% year-over-year growth in net interest income as of 2026Q1.
- While this expansion supports long-term earnings potential, investors should monitor the bank's ability to maintain margins, as the net interest margin remains constrained at 0.9% amid competitive funding pressures.
- Furthermore, the bank's commitment to returning capital, highlighted by $27.8M in quarterly buybacks, warrants careful observation regarding its impact on future lending capacity and regulatory capital buffers.
Verdict Logic
while the 49.0% growth in net interest income is promising, the current 16.14 P/E TTM and the 0.9% net interest margin suggest that the market has already priced in much of the immediate post-conversion upside.
NBBK Growth Metrics
NB Bancorp, Inc. Common Stock (NBBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years-
3 Years35.02%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years18.72%
TTM14.16%
EPS CAGR
10 Years-
5 Years-
3 Years23.55%
TTM16.1%
Return on Capital
10 Years4.98%
5 Years4.98%
3 Years3.08%
Last Year1.81%
NBBK Recent Earnings
NB Bancorp, Inc. Common Stock (NBBK) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (64%)●Beat Revenue 1/12 qtrs (50%)
Q2 2026Latest
Apr 22, 2026Metric
Actual
Est
EPS
$0.38-29.6%
$0.54
Rev
$69M-3.1%
$72M
Q1 2026
Jan 28, 2026Metric
Actual
Est
EPS
$0.34-30.6%
$0.49
Rev
$70M
—
Q1 2026
Jan 22, 2026Metric
Actual
Est
EPS
$0.51+4.1%
$0.49
Rev
$88M+16.1%
$76M
Q4 2025
Oct 22, 2025Metric
Actual
Est
EPS
$0.45+7.1%
$0.42
Rev
$83M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 22, 2026 | $0.38vs $0.54-29.6% | $69Mvs $72M-3.1% |
| Q1 2026 | Jan 28, 2026 | $0.34vs $0.49-30.6% | $70M |
| Q1 2026 | Jan 22, 2026 | $0.51vs $0.49+4.1% | $88Mvs $76M+16.1% |
| Q4 2025 | Oct 22, 2025 | $0.45vs $0.42+7.1% | $83M |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for NB Bancorp, Inc. Common Stock (NBBK)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $21.03 | $872.8M | 15.93 | 4.33% | 15.86% | 6.19% | 0.64% | |
| $50.16 | $2.61B | 15.06 | 10.36% | 19.66% | 9.83% | — | |
| $84.72 | $4.09B | 19.04 | 19.82% | 19.81% | 7.01% | — | |
| $27.20 | $829.48M | -6.46 | -10.35% | -18.65% | -10.01% | — | |
| $72.82 | $1.32B | 13.41 | 8.86% | 24.85% | 12.27% | — | |
| $27.68 | $382.93M | 8.52 | -1.55% | 28.51% | 12.62% | — |
Compare NBBK vs Peers
NB Bancorp, Inc. Common Stock (NBBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
NBBK SEC Filings & Documents
NB Bancorp, Inc. Common Stock (NBBK) SEC filings — annual & quarterly reports (10-K, 10-Q)
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NBBK Frequently Asked Questions
NB Bancorp, Inc. Common Stock (NBBK) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is NB Bancorp, Inc. Common Stock growing?
NB Bancorp, Inc. Common Stock (NBBK) grew revenue by 4.3% over the past year. Growth has been modest.
Is NBBK profitable?
Yes, NB Bancorp, Inc. Common Stock (NBBK) is profitable, generating $52.6M in net income for fiscal year 2025 (15.9% net margin).
Dividend & Returns
Does NBBK pay dividends?
Yes, NB Bancorp, Inc. Common Stock (NBBK) pays a dividend with a yield of 0.64%. This makes it attractive for income-focused investors.
What is NBBK's return on equity?
NB Bancorp, Inc. Common Stock (NBBK) has a return on equity (ROE) of 6.2%. This is below average, suggesting room for improvement.
Industry Metrics
What is NB Bancorp, Inc. Common Stock's net interest margin?
NB Bancorp, Inc. Common Stock (NBBK) has a net interest margin (NIM) of 2.8%. NIM has been under pressure due to interest rate environment.
What is NB Bancorp, Inc. Common Stock's efficiency ratio?
NB Bancorp, Inc. Common Stock (NBBK) has an efficiency ratio of 32.5%. This is excellent, indicating strong cost control.