Income statement, balance sheet and cash flow statement for the last 4 fiscal years, taken from the XBRL data NB Bancorp, Inc. files with the SEC in its annual reports.
In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.
Income statement
FY2023
FY2023
FY2024
FY2025
Selling and marketing
3.4
23.1
3.46
3.84
General and administrative
3.79
6.29
6.25
7.33
Interest expense
15.5
90.4
4.4
5.4
Pre-tax income
36.4
11.8
58.6
71.1
Income tax
6.32
2.02
16.5
20.8
Net income
30.1
9.83
42.1
50.3
EPS, basic
0.23
1.07
1.34
EPS, diluted
0.23
1.07
1.34
Shares, basic (weighted)
42
39.4
37.4
Shares, diluted (weighted)
42
39.4
37.6
Balance sheet
FY2023
FY2023
FY2024
FY2025
Cash and equivalents
157
273
364
408
Property, plant and equipment
35.3
35.5
34.7
46.2
Lease right-of-use assets
11
10.5
12.8
20
Goodwill
0
0
0
18.5
Intangible assets
1.08
19.3
Total assets
3,592
4,533
5,158
7,006
Total liabilities
3,248
3,775
4,393
6,147
Paid-in capital
417
417
459
Retained earnings
358
366
400
445
Other comprehensive income
-14.4
-11.9
-8.17
-3.14
Shareholders' equity
344
758
765
859
Total equity
344
758
765
859
Total liabilities and equity
3,592
4,533
5,158
7,006
Shares outstanding
0
42.7
42.7
45.8
Cash flow statement
FY2023
FY2023
FY2024
FY2025
Net income
30.1
9.83
42.1
50.3
Depreciation and amortization
2.4
2.7
2.8
3
Stock-based compensation
2.91
Deferred income tax
-1.25
-7.72
-10.3
3.33
Cash from operations
39.7
52.9
43.2
60.8
Capital expenditures
-8.5
-2.87
-1.94
-3.42
Acquisitions
-48.1
Purchases of investments
-174
-43.6
-143
-102
Sales and maturities of investments
171
104
80.1
67.5
Cash from investing
-668
-832
-546
-519
Stock issued
417
Share buybacks
-77.1
Dividends paid
-5.58
Cash from financing
318
895
595
502
Net change in cash
-311
116
91.3
43.7
Free cash flow
31.2
50
41.3
57.4
Interest paid
6.59
88.7
128
143
Income taxes paid
8.56
4.79
13.1
Key metrics
Worked out from the statements above. Latest values use the trailing twelve months to September 30, 2026; growth uses fiscal years. Valuation uses the share price of $22.34 on November 9, 2026.
Profitability
Metric
Value
How it is calculated
Effective tax rate
27.0%
Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)
7.8%
Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)
0.9%
Net income / average total assets.
Growth
Metric
Value
How it is calculated
Net income growth, 1y
19.3%
Net income vs the same period a year earlier. Only from a positive base.
Net income CAGR, 3y
18.7%
Compound annual growth of net income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
EPS growth, 1y
25.2%
EPS vs the same period a year earlier. Only from a positive base.
Operating cash flow growth, 1y
40.8%
Operating cash flow vs the same period a year earlier. Only from a positive base.
Operating cash flow CAGR, 3y
15.2%
Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Free cash flow growth, 1y
39.1%
Free cash flow vs the same period a year earlier. Only from a positive base.
Free cash flow CAGR, 3y
22.5%
Compound annual growth of free cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value growth, 1y
12.3%
Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y
35.7%
Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets growth, 1y
35.8%
Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y
24.9%
Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Share count change, 1y
-4.5%
Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Free cash flow / net income, when net income is positive.
Capex / operating cash flow
7.6%
Capital expenditures / cash from operations, when that is positive.
Per share
Metric
Value
How it is calculated
EPS, diluted
$1.68
Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
FCF per share
$3.05
Free cash flow / diluted weighted shares.
Operating cash flow per share
$3.30
Cash from operations / diluted weighted shares.
Book value per share
$19.57
Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Dividends paid / net income, when net income is positive.
Dividends / FCF
10.0%
Dividends paid / free cash flow, when free cash flow is positive.
Buybacks / FCF
38.1%
Share buybacks / free cash flow, when free cash flow is positive.
Valuation
Metric
Value
How it is calculated
Market cap
$978.9M
Share price x shares outstanding.
Enterprise value
$712.8M
Market cap + total debt - cash - short-term investments.
P/E
14.6x
Market cap / net income. Only when net income is positive.
P/B
1.14x
Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book
1.19x
Market cap / tangible book value, when positive.
P/FCF
8.07x
Market cap / free cash flow. Only when free cash flow is positive.
P/OCF
7.46x
Market cap / cash from operations, when positive.
EV/FCF
5.88x
Enterprise value / free cash flow, when both are positive.
FCF yield
12.4%
Free cash flow / market cap.
Earnings yield
6.8%
Net income / market cap (the inverse of P/E).
Dividend yield
1.2%
Dividends paid over the period / market cap.
Shareholder yield
6.0%
(Dividends paid + share buybacks) / market cap.
Was NB Bancorp, Inc. profitable in fiscal 2025?
Yes. Net income was $50.3M, a net margin of -.
How much free cash flow did NB Bancorp, Inc. generate in fiscal 2025?
Cash from operations of $60.8M minus capital expenditures of $3.4M left free cash flow of $57.4M.
Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.