Symbols / NBBK Stock $20.12 -1.05% NB Bancorp, Inc.

Financial Services • Banks - Regional • United States • NCM
NBBK (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Joseph P. Campanelli
Exch · Country NCM · United States
Market Cap 900.68M
Enterprise Value 638.66M
Income 52.63M
Sales 225.81M
FCF (ttm) —
Book/sh 20.57
Cash/sh 9.16
Employees 526
Insider 10d —
IPO Dec 28, 2023
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 15.33%
P/E 14.69
Forward P/E 8.13
PEG —
P/S 3.99
P/B 0.98
P/C —
EV/EBITDA —
EV/Sales 2.83
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 1.37
EPS next Y 2.48
EPS Growth 10.30%
Revenue Growth 36.40%
EPS Gr Q/Q 18.40%
Rev Gr Q/Q —
Earnings (next) 2026-07-22
Earnings (prior) 2026-04-22
ROA 0.84%
ROE 6.65%
ROIC —
Gross Margin 0.00%
Oper. Margin 34.95%
Profit Margin 23.31%
Shs Outstand 44.77M
Shs Float 36.39M
Insider Own 12.18%
Instit Own 51.97%
Short Float 4.03%
Short Ratio 7.21
Short Interest 1.71M
52W High 22.86
vs 52W High -11.99%
52W Low 15.44
vs 52W Low 30.31%
Beta 0.06
Impl. Vol. 25.67%
Rel Volume 0.82
Avg Volume 337.24K
Volume 275.61K
Target (mean) $23.00
Tgt Median $23.00
Tgt Low $22.00
Tgt High $24.00
# Analysts 2
Recom Buy
Prev Close $20.33
Price $20.12
Change -1.05%
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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$23.00
Mean price target
2. Current target
$20.12
Latest analyst target
3. DCF / Fair value
$20.55
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$20.12
Low
$22.00
High
$24.00
Mean
$23.00

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-24 main Piper Sandler Overweight → Overweight $24
2025-11-20 reit Piper Sandler Overweight → Overweight $23
2025-10-23 main Piper Sandler Overweight → Overweight $22
2025-07-24 main Piper Sandler Overweight → Overweight $20
2024-10-31 main Piper Sandler Overweight → Overweight $22
2024-07-25 main Piper Sandler Overweight → Overweight $20
2024-04-09 init Piper Sandler — → Overweight $17
News
RSS: Latest NBBK news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-24 CAMPANELLI JOSEPH P Chief Executive Officer — 2,500 $19.33 $48,618
2026-04-24 PASCUCCI HOPE Director — 20,000 $19.44 $389,281
2026-03-19 CAMPANELLI JOSEPH P Chief Executive Officer — 2,500 $20.16 $50,400
2026-03-09 LAPOINTE JEAN-PIERRE Chief Financial Officer — 1,000 $20.42 $20,420
2026-03-09 SCHULMAN MATTHEW G Officer — 6,980 $0.00 $0
2026-03-06 CAMPANELLI JOSEPH P Chief Executive Officer — 5,000 $20.77 $103,870
2026-03-06 CAMPANELLI JOSEPH P Chief Executive Officer — 5,000 $20.77 $103,870
2026-02-25 EVANGELISTA PAUL A Officer — 6,874 $0.00 $0
2026-02-25 CAMPANELLI JOSEPH P Chief Executive Officer — 63,015 $0.00 $0
2026-02-25 LAPOINTE JEAN-PIERRE Chief Financial Officer — 13,749 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
213.66
+22.96%
173.76
+18.14%
147.07
+29.77%
113.34
Operating Revenue
213.66
+22.96%
173.76
+18.14%
147.07
+29.77%
113.34
Selling General And Administration
102.54
+15.98%
88.41
-18.63%
108.65
+77.41%
61.24
Selling And Marketing Expense
3.84
+10.93%
3.46
-85.01%
23.08
+578.08%
3.40
General And Administrative Expense
98.70
+16.18%
84.95
-0.72%
85.57
+47.95%
57.84
Salaries And Wages
88.00
+16.01%
75.86
+1.72%
74.58
+42.80%
52.22
Other Gand A
7.33
+17.25%
6.25
-0.60%
6.29
+66.10%
3.79
Reconciled Depreciation
3.60
+21.39%
2.96
+4.85%
2.83
+14.27%
2.47
Total Unusual Items
-17.27
0.00
0.00
-100.00%
1.07
Total Unusual Items Excluding Goodwill
-17.27
0.00
0.00
-100.00%
1.07
Special Income Charges
-17.27
0.00
0.00
-100.00%
1.07
Other Special Charges
—
—
—
—
Restructuring And Mergern Acquisition
17.27
0.00
0.00
+100.00%
-1.07
Net Income
50.30
+19.34%
42.15
+329.00%
9.82
-67.32%
30.07
Pretax Income
71.13
+21.35%
58.62
+394.92%
11.84
-67.45%
36.39
Net Interest Income
197.46
+22.49%
161.20
+22.38%
131.72
+24.89%
105.47
Interest Expense
138.29
+5.31%
131.32
+45.19%
90.44
+481.71%
15.55
Interest Income
335.75
+14.78%
292.52
+31.67%
222.16
+83.58%
121.02
Gain On Sale Of Security
1.50
+819.71%
-0.21
-109.66%
2.15
+70.60%
1.26
Tax Provision
20.83
+26.47%
16.47
+715.70%
2.02
-68.07%
6.32
Tax Rate For Calcs
0.00
+4.27%
0.00
+65.29%
0.00
-2.30%
0.00
Tax Effect Of Unusual Items
-5.06
0.00
0.00
-100.00%
0.19
Net Income Including Noncontrolling Interests
50.30
+19.34%
42.15
+329.00%
9.82
-67.32%
30.07
Net Income From Continuing Operation Net Minority Interest
50.30
+19.34%
42.15
+329.00%
9.82
-67.32%
30.07
Net Income From Continuing And Discontinued Operation
50.30
+19.34%
42.15
+329.00%
9.82
-67.32%
30.07
Net Income Continuous Operations
50.30
+19.34%
42.15
+329.00%
9.82
-67.32%
30.07
Normalized Income
62.51
+48.30%
42.15
+329.00%
9.82
-66.33%
29.18
Net Income Common Stockholders
50.30
+19.34%
42.15
+329.00%
9.82
-67.32%
30.07
Diluted EPS
1.32
+23.59%
1.07
+365.09%
0.23
-67.33%
0.70
Basic EPS
1.32
+23.56%
1.07
+365.23%
0.23
-67.33%
0.70
Basic Average Shares
38.05
-3.41%
39.39
-6.26%
42.02
-1.61%
42.71
Diluted Average Shares
38.26
-2.86%
39.39
-6.26%
42.02
-1.61%
42.71
Diluted NI Availto Com Stockholders
50.30
+19.34%
42.15
+329.00%
9.82
-67.32%
30.07
Insurance And Claims
3.37
+18.51%
2.85
-39.52%
4.71
+157.35%
1.83
Occupancy And Equipment
6.56
+17.51%
5.58
+7.47%
5.19
+19.25%
4.35
Other Non Interest Expense
11.51
+27.57%
9.02
+20.32%
7.50
+31.05%
5.72
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
7,006.13
+35.84%
5,157.74
+13.77%
4,533.39
+26.20%
3,592.34
Cash And Cash Equivalents
325.71
+54.24%
211.17
+133.37%
90.48
-30.97%
131.07
Cash Financial
325.71
+54.24%
211.17
+133.37%
90.48
-30.97%
131.07
Other Short Term Investments
268.96
+17.86%
228.21
+20.45%
189.47
-22.82%
245.48
Receivables
25.39
+28.98%
19.68
+13.89%
17.28
+15.45%
14.97
Accounts Receivable
25.39
+28.98%
19.68
+13.89%
17.28
+59.49%
10.84
Other Receivables
—
—
—
4.13
Prepaid Assets
—
—
—
57.17
Net PPE
46.21
+33.34%
34.65
-2.47%
35.53
+0.53%
35.34
Gross PPE
78.56
+22.75%
64.00
+3.12%
62.06
—
Accumulated Depreciation
-32.35
-10.25%
-29.35
-10.61%
-26.53
—
Land And Improvements
9.20
+25.06%
7.36
+0.00%
7.36
—
Buildings And Improvements
29.97
+29.05%
23.23
+3.32%
22.48
—
Machinery Furniture Equipment
23.06
+12.52%
20.49
+6.67%
19.21
—
Leases
16.33
+26.36%
12.93
-0.70%
13.02
—
Goodwill And Other Intangible Assets
37.81
+3404.63%
1.08
—
—
Goodwill
18.51
0.00
—
—
Other Intangible Assets
19.30
+1688.97%
1.08
—
—
Investments And Advances
302.70
+19.85%
252.57
+10.68%
228.20
-10.89%
256.07
Total Liabilities Net Minority Interest
6,147.20
+39.95%
4,392.57
+16.35%
3,775.43
+16.23%
3,248.27
Payables And Accrued Expenses
—
—
81.33
+55.20%
52.40
Payables
—
—
—
0.00
Current Accrued Expenses
—
—
81.33
+55.20%
52.40
Employee Benefits
21.52
-9.68%
23.83
+22.23%
19.49
+62.68%
11.98
Total Tax Payable
—
—
—
0.00
Income Tax Payable
—
—
—
0.00
Current Debt And Capital Lease Obligation
168.98
+68.98%
100.00
—
—
Current Debt
168.98
+68.98%
100.00
—
—
Other Current Borrowings
168.98
+68.98%
100.00
—
—
Long Term Debt And Capital Lease Obligation
27.26
+30.83%
20.84
-92.65%
283.34
-3.32%
293.08
Long Term Debt
27.26
+30.83%
20.84
-92.65%
283.34
-3.32%
293.08
Non Current Pension And Other Postretirement Benefit Plans
21.52
-9.68%
23.83
+22.23%
19.49
+62.68%
11.98
Stockholders Equity
858.93
+12.25%
765.17
+0.95%
757.96
+120.30%
344.06
Common Stock Equity
858.93
+12.25%
765.17
+0.95%
757.96
+120.30%
344.06
Capital Stock
0.46
+7.26%
0.43
+0.00%
0.43
0.00
Common Stock
0.46
+7.26%
0.43
+0.00%
0.43
—
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
45.77
+7.18%
42.71
+0.00%
42.71
+0.00%
42.71
Ordinary Shares Number
45.77
+7.18%
42.71
+0.00%
42.71
+0.00%
42.71
Additional Paid In Capital
458.86
+9.97%
417.25
+0.05%
417.03
0.00
Retained Earnings
445.20
+11.17%
400.47
+9.37%
366.17
+2.15%
358.47
Gains Losses Not Affecting Retained Earnings
-3.14
+61.60%
-8.17
+31.35%
-11.90
+17.39%
-14.40
Total Equity Gross Minority Interest
858.93
+12.25%
765.17
+0.95%
757.96
+120.30%
344.06
Total Capitalization
886.19
+12.75%
786.00
-24.52%
1,041.30
+63.43%
637.15
Invested Capital
1,055.17
+19.09%
886.00
-14.91%
1,041.30
+63.43%
637.15
Total Debt
196.24
+62.40%
120.83
-57.35%
283.34
-3.32%
293.08
Net Debt
—
—
192.85
+19.04%
162.01
Net Tangible Assets
821.12
+7.46%
764.09
+0.81%
757.96
+120.30%
344.06
Tangible Book Value
821.12
+7.46%
764.09
+0.81%
757.96
+120.30%
344.06
Available For Sale Securities
33.74
+38.48%
24.36
-37.10%
38.73
+265.68%
10.59
Cash Cash Equivalents And Federal Funds Sold
407.60
+12.02%
363.86
+33.48%
272.59
+74.13%
156.54
Other Equity Interest
-42.45
+5.26%
-44.81
-225.34%
-13.77
—
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
60.79
+40.76%
43.19
-18.36%
52.90
+33.20%
39.71
Cash Flow From Continuing Operating Activities
60.79
+40.76%
43.19
-18.36%
52.90
+33.20%
39.71
Net Income From Continuing Operations
50.30
+19.34%
42.15
+329.00%
9.82
-67.32%
30.07
Depreciation Amortization Depletion
3.60
+21.39%
2.96
+4.85%
2.83
+14.27%
2.47
Depreciation
3.02
+7.35%
2.81
+5.12%
2.68
+13.33%
2.36
Amortization Cash Flow
0.58
+286.58%
0.15
+0.00%
0.15
+34.23%
0.11
Depreciation And Amortization
3.60
+21.39%
2.96
+4.85%
2.83
+14.27%
2.47
Amortization Of Intangibles
0.58
+286.58%
0.15
+0.00%
0.15
+34.23%
0.11
Other Non Cash Items
-0.96
-112.73%
7.53
+600.20%
-1.50
+30.96%
-2.18
Stock Based Compensation
6.48
+131.36%
2.80
0.00
0.00
Deferred Tax
3.33
+132.47%
-10.26
-32.84%
-7.72
-516.12%
-1.25
Deferred Income Tax
3.33
+132.47%
-10.26
-32.84%
-7.72
-516.12%
-1.25
Operating Gains Losses
-0.03
-101.47%
1.70
+992.31%
0.16
-65.71%
0.46
Gain Loss On Investment Securities
0.00
-100.00%
1.87
0.00
0.00
Gain Loss On Sale Of PPE
—
—
—
0.00
Change In Working Capital
-8.15
+51.71%
-16.88
-154.00%
31.25
+3533.95%
0.86
Change In Receivables
-1.14
+52.35%
-2.40
+62.84%
-6.46
-95.88%
-3.30
Changes In Account Receivables
-1.14
+52.35%
-2.40
+62.84%
-6.46
-95.88%
-3.30
Change In Prepaid Assets
5.12
+178.30%
-6.54
-180.02%
8.18
+130.34%
-26.95
Change In Payables And Accrued Expense
-12.13
-52.92%
-7.93
-126.85%
29.54
-5.05%
31.11
Change In Accrued Expense
-12.13
-52.92%
-7.93
-126.85%
29.54
-5.05%
31.11
Change In Payable
—
—
—
-4.15
Investing Cash Flow
-519.05
+5.01%
-546.44
+34.29%
-831.62
-24.50%
-667.99
Cash Flow From Continuing Investing Activities
-519.05
+5.01%
-546.44
+34.29%
-831.62
-24.50%
-667.99
Net PPE Purchase And Sale
-3.42
-76.32%
-1.94
+32.36%
-2.87
+66.29%
-8.50
Purchase Of PPE
-3.42
-76.32%
-1.94
+32.36%
-2.87
+66.29%
-8.50
Sale Of PPE
—
—
—
0.00
Capital Expenditure
-3.42
-76.32%
-1.94
+32.36%
-2.87
+66.29%
-8.50
Net Investment Purchase And Sale
-12.71
+59.26%
-31.20
-158.56%
53.28
+351.70%
-21.17
Purchase Of Investment
-104.15
+27.16%
-142.99
-184.23%
-50.31
+73.77%
-191.76
Sale Of Investment
91.44
-18.20%
111.78
+7.92%
103.58
-39.28%
170.59
Net Business Purchase And Sale
-48.12
0.00
0.00
-100.00%
297.67
Purchase Of Business
-48.12
0.00
0.00
—
Net Other Investing Changes
48.89
+197.78%
-50.00
-1290.82%
-3.60
+83.80%
-22.20
Financing Cash Flow
502.00
-15.56%
594.52
-33.56%
894.77
+181.57%
317.77
Cash Flow From Continuing Financing Activities
502.00
-15.56%
594.52
-33.56%
894.77
+181.57%
317.77
Net Issuance Payments Of Debt
44.58
+127.43%
-162.50
-1567.72%
-9.74
-103.33%
292.83
Issuance Of Debt
—
—
—
292.83
Repayment Of Debt
—
—
—
—
Long Term Debt Issuance
—
—
—
292.83
Long Term Debt Payments
—
—
—
—
Net Long Term Debt Issuance
44.58
+127.43%
-162.50
-1567.72%
-9.74
-103.33%
292.83
Net Common Stock Issuance
-77.12
-130.93%
-33.40
-108.27%
403.68
0.00
Common Stock Payments
-77.12
-130.93%
-33.40
-142.46%
-13.77
—
Common Stock Dividend Paid
-5.58
0.00
0.00
—
Cash Dividends Paid
-5.58
0.00
0.00
—
Repurchase Of Capital Stock
-77.12
-130.93%
-33.40
-142.46%
-13.77
—
Proceeds From Stock Option Exercised
—
-33.40
-142.46%
-13.77
0.00
Net Other Financing Charges
—
-0.23
—
—
Changes In Cash
43.74
-52.07%
91.26
-21.36%
116.05
+137.37%
-310.50
Beginning Cash Position
363.86
+33.48%
272.59
+74.13%
156.54
-66.48%
467.05
End Cash Position
407.60
+12.02%
363.86
+33.48%
272.59
+74.13%
156.54
Free Cash Flow
57.38
+39.09%
41.25
-17.56%
50.03
+60.28%
31.22
Interest Paid Supplemental Data
143.28
+11.64%
128.35
+44.62%
88.75
+1247.70%
6.58
Income Tax Paid Supplemental Data
6.06
-53.68%
13.09
+173.26%
4.79
-44.04%
8.56
Amortization Of Securities
-0.29
+13.39%
-0.34
-40.00%
-0.24
-438.03%
0.07
Change In Income Tax Payable
—
—
—
-4.15
Change In Tax Payable
—
—
—
-4.15
Common Stock Issuance
—
—
417.46
0.00
Issuance Of Capital Stock
—
—
417.46
0.00
Sale Of Business
—
0.00
0.00
-100.00%
297.67
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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