NB Bancorp, Inc. (NBBK) AI Stock Analysis

NB Bancorp, Inc. operates as a bank holding company overseeing Needham Bank, serving the Greater Boston metropolitan area, Massachusetts, eastern Connecticut, southern New Hampshire, and Rhode Island. Founded in 1892, the bank offers deposit accounts such as certificates of deposit, money market accounts, savings, and checking accounts. Its lending solutions include commercial real estate, multifamily housing, one- to four-family residential real estate, construction and land development, commercial and industrial loans, and consumer home equity lines of credit. It also invests in U.S. treasury and agency securities, mortgage-backed securities, municipal bonds, and corporate bonds.

Between FY2021 and FY2025, revenue increased from $98.8M to $317.2M, representing a 4-year compound annual growth rate of 33.9%. Net income grew from $21.6M in FY2021 to $50.3M in FY2025, while diluted EPS expanded from $0.47 in FY2024 to $1.54 in FY2025. Over the trailing twelve months, revenue reached $274.2M with a profit margin of 24.4% and an operating margin of 41.6%. In the latest quarter ended September 30, 2026, quarterly revenue grew 49.6% year-over-year, while quarterly earnings grew 34.9% year-over-year.

As of September 30, 2026, NB Bancorp held $545.6M in cash and short-term investments against total debt of $150.3M, leaving net cash of $395.3M. Total assets stood at $7.68B and shareholders' equity was $857.4M, resulting in a debt-to-equity ratio of 0.18. In FY2025, the company generated $60.8M in operating cash flow and $57.4M in free cash flow. Capital expenditures were $3.4M, while the bank returned capital via $77.1M in share buybacks and $5.6M in dividends paid.

At a last close of $21.86, NB Bancorp has a market capitalization of $957.9M. The stock trades at a trailing price-to-earnings multiple of 13.1x, compared to 12.1x for the median of its US-listed Financial Services peers. Its price-to-sales ratio is 3.5x versus the peer median of 3.2x, and its price-to-book ratio is 1.2x. Over the past year, shares returned 29.8%, outperforming the S&P 500 (SPY) return of 16.8%. The stock traded 2.8% above its 200-day average.

NB Bancorp pays a forward annual dividend of $0.28 per share, representing a dividend yield of 1.28% based on its closing price of $21.86. The company has paid dividends for 2 consecutive years. Its payout ratio is 11.2%, and its last ex-dividend date was October 29, 2026.

Wall Street coverage includes 1 Buy rating and 1 Hold rating, with no Sell or Strong Sell recommendations. The mean price target is $25.50, which is 16.7% above the last close of $21.86. For the current fiscal year ending December 31, 2026, consensus estimates project EPS of $2.12 on revenue of $300.2M. For the next fiscal year, 2 analysts project revenue of $329.2M and EPS of $2.58. The company beat EPS estimates in 3 of the last 4 quarters.

This page is an AI-written research summary of NB Bancorp, Inc. (NBBK). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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