NB Bancorp, Inc. (NBBK) Key Metrics
NBBK valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $957.9M
- Enterprise value
- $746.3M
- P/E (TTM)
- 13.1
- Forward P/E
- —
- PEG ratio
- —
- Price / sales
- 3.5
- Price / book
- 1.2
- EV / EBITDA
- —
- Dividend yield
- 1.28% $0.28 a year
- Beta
- 0.00
NBBK key metrics, FY2021–FY2025
Fiscal year ended September 30, 2025 · U.S. dollarsNBBK valuation Price multiples at each fiscal year-end price.
NBBK returns How much profit the business earns on the capital it uses.
NBBK per-share figures Results divided by the shares outstanding at year-end.
NBBK financial health Debt, liquidity and how easily interest is covered.
NBBK efficiency & capital use Working capital cycle and where the cash goes.
NBBK valuation history
NBBK returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
NBBK debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
NBBK cash returned to shareholders
NBBK price vs earnings per share
NBBK key metrics
FY2021–FY2025| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|
| Valuation | |||||
| Market capitalization | $726.7M | $731.1M | — | — | — |
| Enterprise value | $328.3M | $546.8M | — | — | — |
| P/E ratio | 14.4 | 17.3 | — | — | — |
| Price / sales | 2.3 | 2.4 | — | — | — |
| Price / book | 0.8 | 1.0 | — | — | — |
| Price / free cash flow | 12.7 | 17.7 | — | — | — |
| Price / operating cash flow | 12.0 | 16.9 | — | — | — |
| EV / sales | 1.0 | 1.8 | — | — | — |
| EV / EBITDA | 4.4 | 8.9 | — | — | — |
| EV / free cash flow | 5.7 | 13.3 | — | — | — |
| Earnings yield | 6.9% | 5.8% | — | — | — |
| Free cash flow yield | 7.9% | 5.6% | — | — | — |
| Dividend yield | 0.8% | 0.0% | — | — | — |
| Shareholder yield (dividends + buybacks) | 11.4% | 4.6% | — | — | — |
| Share price at fiscal year-end | $17.65 | $18.56 | — | — | — |
| Per share | |||||
| Revenue per share | $7.70 | $7.72 | $5.65 | $3.02 | $2.31 |
| Earnings per share | $1.22 | $1.07 | $0.23 | $0.70 | $0.51 |
| Operating cash flow per share | $1.48 | $1.10 | $1.26 | $0.93 | $1.03 |
| Free cash flow per share | $1.39 | $1.05 | $1.19 | $0.73 | $0.98 |
| Cash per share | $14.44 | $7.75 | $6.66 | $8.82 | $16.79 |
| Book value per share | $20.86 | $19.43 | $18.04 | $8.06 | $7.64 |
| Tangible book value per share | $19.99 | $19.40 | $18.04 | $8.06 | $7.64 |
| Dividends per share | $0.14 | $0.00 | $0.00 | — | — |
| Capex per share | $0.08 | $0.05 | $0.07 | $0.20 | $0.04 |
| Debt per share | $4.77 | $3.07 | $6.74 | $6.86 | $0.01 |
| Shares outstanding | 41.2M | 39.4M | 42.0M | 42.7M | 42.7M |
| Change in shares outstanding | +4.5% | −6.3% | −1.6% | 0.0% | — |
| Returns & profitability | |||||
| Return on equity (ROE) | 6.2% | 5.5% | 1.8% | 9.0% | 6.6% |
| Return on invested capital (ROIC) | 9.7% | 6.3% | 1.9% | — | — |
| Return on assets (ROA) | 0.8% | 0.9% | 0.2% | 0.9% | 0.7% |
| Return on tangible assets | 0.7% | 0.8% | 0.2% | 0.8% | 0.7% |
| Free cash flow margin | 18.1% | 13.6% | 21.1% | 24.2% | 42.6% |
| Income quality (OCF / net income) | 1.21 | 1.02 | 5.38 | 1.32 | 2.03 |
| Financial health | |||||
| Total debt | $196.2M | $120.8M | $283.3M | $293.1M | $256,000 |
| Cash & short-term investments | $594.7M | $305.1M | $279.9M | $376.6M | $716.9M |
| Net debt | −$398.4M | −$184.3M | $3.4M | −$83.5M | −$716.7M |
| Debt / equity | 0.23 | 0.16 | 0.37 | 0.85 | 0.00 |
| Debt / assets | 0.03 | 0.02 | 0.06 | 0.08 | 0.00 |
| Net debt / EBITDA | −5.33 | −2.99 | 0.23 | −2.15 | −24.10 |
| Current ratio | 306.98 | 0.08 | 0.09 | 0.15 | 0.29 |
| Quick ratio | 306.98 | 0.08 | 0.17 | 0.21 | 0.47 |
| Interest coverage | 0.5 | 0.4 | 0.1 | 2.3 | 2.2 |
| Working capital | $6.58B | −$3.96B | −$3.18B | −$2.49B | −$1.84B |
| Invested capital | $460.5M | $580.9M | $761.3M | $260.6M | −$390.5M |
| Tangible asset value | $822.8M | $764.1M | $758.0M | $344.1M | $326.1M |
| Net current asset value | $459.0M | −$4.07B | −$3.48B | −$2.80B | −$1.85B |
| Graham number | $23.95 | $21.63 | $9.74 | $11.30 | $9.32 |
| Graham net-net per share | −$25.35 | −$103.39 | −$86.33 | −$68.99 | −$49.44 |
| Capital allocation | |||||
| Dividends paid | $5.6M | $0 | $0 | — | — |
| Share buybacks (net) | $77.1M | $33.4M | $13.8M | — | — |
| Dividend payout ratio | 11.1% | 0.0% | 0.0% | — | — |
| Dividends + buybacks / free cash flow | 144.1% | 81.0% | 27.5% | — | — |
| Capex / revenue | 1.1% | 0.6% | 1.2% | 6.6% | 1.8% |
| Capex / operating cash flow | 5.6% | 4.5% | 5.4% | 21.4% | 4.1% |
| Capex / depreciation | 0.95 | 0.65 | 1.01 | 3.43 | 0.86 |
| Stock-based compensation / revenue | 2.0% | 0.9% | 0.8% | 1.5% | — |
| SG&A / revenue | 32.3% | 28.7% | 45.7% | 47.5% | 48.9% |
| Efficiency | |||||
| Days sales outstanding | 3,469.9 | 22.2 | 24.8 | 31.9 | 27.8 |
| Days of inventory on hand | — | — | -807.1 | -5,300.0 | -11,800.0 |
| Receivables turnover | 0.11 | 16.45 | 14.73 | 11.45 | 13.11 |
| Asset turnover | 0.05 | 0.06 | 0.06 | 0.04 | 0.03 |
| Average receivables | $3.02B | $18.5M | $16.1M | $11.3M | $7.5M |
| Average inventory | — | — | −$230.7M | −$323.1M | −$474.6M |
| Intangibles / total assets | 0.5% | 0.0% | 0.0% | 0.0% | 0.0% |
Computed from NBBK's annual financial statements (latest annual report filed March 3, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
NBBK valuation and financial ratios
At the end of fiscal 2025 (September 30, 2025), NB Bancorp traded at 14.4 times earnings. Based on the latest twelve months, the trailing P/E is 13.1. NB Bancorp earned a return on equity of 6.2% and a return on invested capital of 9.7% in fiscal 2025. It ended the year with $196.2 million of debt and $594.7 million in cash and short-term investments, a net cash position of $398.4 million. It returned $82.7 million to shareholders: $5.6 million in dividends and $77.1 million in share buybacks, 144% of free cash flow. The share count fell 3.6% from 42.7M to 41.2M over 4 years.
See the NBBK income statement, the NBBK chart for price history, or the NBBK stock overview for the latest quote and news.
NBBK key metrics FAQ
What is NB Bancorp's P/E ratio?
NB Bancorp's trailing P/E ratio is 13.1 based on the last twelve months of earnings (as of October 18, 2026). At the end of fiscal 2025 it was 14.4.
What is NB Bancorp's EV/EBITDA?
NB Bancorp's enterprise value was 4.4 times EBITDA at the end of fiscal 2025 (enterprise value $328.3 million, EBITDA $74.7 million).
What is NB Bancorp's return on equity?
NB Bancorp's return on equity (ROE) was 6.2% in fiscal 2025: net income of $50.3 million on average shareholders' equity of $812.0 million.
What is NB Bancorp's ROIC?
NB Bancorp's return on invested capital was 9.7% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does NB Bancorp have?
NB Bancorp had total debt of $196.2 million at the end of fiscal 2025, a debt-to-equity ratio of 0.23 and more cash than debt.
What is NB Bancorp's dividend yield?
NB Bancorp's forward dividend yield is 1.28%. NB Bancorp paid $5.6 million in dividends in fiscal 2025 ($0.14 per share), a payout ratio of 11.1%.
Does NB Bancorp buy back its shares?
Yes. NB Bancorp spent $77.1 million on net share repurchases in fiscal 2025 Shares outstanding changed +4.5% over the year, to 41.2M..
What is NB Bancorp's free cash flow yield?
NB Bancorp generated $57.4 million of free cash flow in fiscal 2025, a free cash flow yield of 7.9% on its market value at year-end ($726.7 million).
What is NB Bancorp's current ratio?
NB Bancorp's current ratio was 306.98 at the end of fiscal 2025: current assets were 306.98 times current liabilities.