NBBK - NASDAQ
NB Bancorp, Inc. Common Stock
$19.36
-3.3%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. 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, one- to four-family residential real estate, 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, municipal bonds, and corporate bonds. The company was founded in 1892 and is based in Needham, Massachusetts.
At a Glance
Live SnapshotNB Bancorp, Inc. Common Stock Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Cash Flow Quality Insight
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
NB Bancorp, Inc. Common Stock Cash Flow Statement
NBBK • NASDAQ
| NB Bancorp, Inc. Common Stock Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
OPERATING ACTIVITIES | |||||
50.3M | 42.1M | 9.8M | 30.1M | 21.6M | |
576K | 3M | 2.8M | 2.5M | 2.1M | |
3.3M | -10.3M | -7.7M | -1.3M | 533K | |
2.9M | 2.8M | 0.0 | 0.0 | 0.0 | |
11.8M | 22.4M | 16.7M | 7.6M | 3.9M | |
(6.1M) | (13.1M) | (4.8M) | (8.6M) | (0.0) | |
-8.1M | -16.9M | 31.3M | 860K | 15.8M | |
60.8M | 43.2M | 52.9M | 39.7M | 43.8M | |
INVESTING ACTIVITIES | |||||
(0.0) | -1.9M | -2.9M | -8.5M | -1.8M | |
-48.1M | (0.0) | (0.0) | (297.7M) | (0.0) | |
-101.5M | -143M | -50.3M | -191.8M | -180.4M | |
91.4M | 111.8M | 103.6M | 170.6M | 72.9M | |
-460.9M | -513.3M | -882M | -936M | 67.4M | |
-519.1M | -546.4M | -831.6M | -668M | -41.9M | |
FINANCING ACTIVITIES | |||||
-77.1M | -33.4M | 403.7M | 0.0 | 0.0 | |
44.6M | -162.5M | -9.7M | 292.8M | -120.1M | |
-5.6M | (0.0) | (0.0) | (0.0) | (0.0) | |
-77.1M | (0.0) | -13.8M | (0.0) | (0.0) | |
540.1M | 790.4M | 500.8M | 24.9M | 362.5M | |
502M | 594.5M | 894.8M | 317.8M | 242.4M | |
CASH FLOW SUMMARY | |||||
43.7M | 91.3M | 116M | -310.5M | 244.3M | |
363.9M | 272.6M | 156.5M | 467.1M | 222.7M | |
407.6M | 363.9M | 272.6M | 156.5M | 467.1M | |
57.4M | 41.3M | 50M | 31.2M | 42M |
SEC Filings
NBBK - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | May 21, 2026 | May 21, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 13, 2026 | May 12, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 08, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 29, 2026 | April 29, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 22, 2026 | April 22, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | March 27, 2026 | April 29, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 03, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 04, 2026 | February 04, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 22, 2026 | January 22, 2026 | 2026 | |
8-K 8-K 2025 N/A | November 17, 2025 | November 15, 2025 | 2025 |
Related Guides
Continue your NBBK research with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.