profit from every $100 of sales.
$0$100
NB Bancorp
$22.13-0.27% today
+14.7% in 1 year
1-year low $18.261-year high $23.32
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $19.28 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What NB Bancorp sold, what it kept, and what it did with the cash.
Sales went from $113 million in 2022 to $214 million in 2025, with $50.3 million of profit last year.
SalesProfit
NB Bancorp handed back more cash to shareholders than it generated last year.
Buybacks $77M
Free cash flow 2025$57M
Bought back its own shares$77M
Paid as dividends$6M
Cash vs. debt$326M vs. $196M
NB Bancorp vs. similar companies
NB Bancorp grows in the middle of these 5 and is the most expensive for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| NB Bancorp | 19.3× · Fair price | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.5× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads NB Bancorp's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 113 | 147 | 174 | 214 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 30 | 10 | 42 | 50 | |
| 0.70 | 0.23 | 1.07 | 1.32 | |
| – | – | – | – | |
| – | – | – | – | |
| 26.5% | 6.7% | 24.3% | 23.5% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 3,592 | 4,533 | 5,158 | 7,006 |
| Cash | 131 | 90 | 211 | 326 |
| Total debt | 293 | 283 | 121 | 196 |
| Total liabilities | 3,248 | 3,775 | 4,393 | 6,147 |
| 344 | 758 | 765 | 859 | |
| 43 | 42 | 39 | 38 | |
| – | – | – | – | |
| 8.7% | 1.3% | 5.5% | 5.9% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 40 | 53 | 43 | 61 | |
| 8 | 3 | 2 | 3 | |
| 31 | 50 | 41 | 57 | |
| Dividends paid | – | 0 | 0 | 6 |
| – | 14 | 33 | 77 | |
| 0 | 0 | 3 | 6 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 19.3×
- 11.3×
- 0.82
- 0.9×
- 4.5×
- 5.2%
- 1.4%
Profitability
- 23.5%
- 0.8%
- 4.4%
- 6.6%
- 0.7%
Growth
- +23.5%
- +23.4%
- –
- −1.1%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 21%of 749
Bottom 49%of 604
Bottom 33%of 872
Top 22%of 883
Top 44%of 931
What analysts expect
- Average price target
- $24.00
- Range
- $24.00 – $24.00
- 1 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 22, 2026 | 0.38 | 0.54 | −29.6% |
| Jan 22, 2026 | 0.51 | 0.49 | +4.1% |
| Oct 22, 2025 | 0.45 | 0.42 | +7.1% |
| Jul 23, 2025 | 0.40 | 0.35 | +14.3% |
| Apr 22, 2025 | 0.35 | 0.35 | +0.0% |
| Feb 26, 2025 | 0.40 | 0.32 | +23.8% |
| Oct 30, 2024 | 0.33 | 0.26 | +26.9% |
| Jul 24, 2024 | 0.24 | 0.24 | +0.0% |
1.4%of the share price, paid each year
On $1,000 invested$14a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
11.1% of its profit
Room to growStretchedMore than it earns: 9.7%
News
Fifth Third Bancorp Eyes Texas Growth and AI Gains After Comerica IntegrationYahoo Finance · Nov 6, 2026Hope Bancorp declares $0.14 dividendSeeking Alpha · Oct 28, 2026NBT Bancorp declares $0.40 dividendSeeking Alpha · Oct 27, 2026Finward Bancorp GAAP EPS of $0.31 misses by $0.41, revenue of $18.59M misses by $0.81MSeeking Alpha · Oct 27, 2026FirstSun Capital Bancorp Non-GAAP EPS of $1.03, revenue of $179.6MSeeking Alpha · Oct 26, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
3/7Passes 3 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
57No pass
Benjamin Graham
68Pass
Philip Fisher
80Pass
Peter Lynch
87Pass
Joel Greenblatt
12No pass
Charlie Munger
57No pass
Terry Smith
58No pass
Questions about NB Bancorp
Is NB Bancorp a good stock to buy?
A strong, very profitable business at a fair price. 3 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the NB Bancorp AI analysis
What does NB Bancorp do?
NB 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. It is in Banks - Regional.
Does NB Bancorp pay a dividend?
Yes. At today's price the dividend is 1.4% a year, about 11% of its yearly profit. In 2025 it paid out $5.58 million in dividends.
Is NB Bancorp stock halal?
No. NB Bancorp does not pass our halal screen: its main business, banking, is not permitted. How we check
How has NB Bancorp stock done over the past year?
Up 14.7% over the past twelve months, to $22.13. It traded between $18.26 and $23.32 and is 5.1% below its high.
Who are NB Bancorp's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with NB Bancorp's.
Prices: daily closes to Nov 11, 2026. Fundamentals: company reports via invest-like data.