NB Bancorp, Inc.NBBKEarnings & Financial Report
NB Bancorp, Inc. is a U.S.-based bank holding company operating through its fully owned banking subsidiary. It provides a full range of retail and commercial banking services including various deposit products, consumer loans, residential mortgages, and small business financing solutions, primarily catering to individual and small-to-mid-sized enterprise customers across the New York metropolitan area.
NBBK Q4 FY2025 Key Financial Metrics
Revenue
$63.4M
Gross Profit
N/A
Operating Profit
$14.9M
Net Profit
$7.7M
Gross Margin
N/A
Operating Margin
23.5%
Net Margin
12.2%
YoY Growth
33.9%
EPS
$0.19
NB Bancorp, Inc. Q4 FY2025 Financial Summary
NB Bancorp, Inc. reported revenue of $63.4M (up 33.9% YoY) for Q4 FY2025, with a net profit of $7.7M (down 50.6% YoY) (12.2% margin).
Key Financial Metrics
| Total Revenue | $63.4M |
|---|---|
| Net Profit | $7.7M |
| Gross Margin | N/A |
| Operating Margin | 23.5% |
| Report Period | Q4 FY2025 |
NB Bancorp, Inc. Annual Revenue by Year
NB Bancorp, Inc. annual revenue history includes year-by-year totals (for example, 2025 revenue was $213.7M).
NB Bancorp, Inc. Quarterly Revenue & Net Profit History
NB Bancorp, Inc. results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q4 FY2025 | $63.4M | +33.9% | $7.7M | 12.2% |
| Q3 FY2025 | $51.7M | +21.5% | $15.4M | 29.7% |
| Q2 FY2025 | $51.2M | +22.7% | $14.6M | 28.5% |
| Q1 FY2025 | $47.4M | +12.5% | $12.7M | 26.7% |
| Q4 FY2024 | $47.3M | — | $15.6M | 33.0% |
| Q3 FY2024 | $42.6M | +16.3% | $8.4M | 19.7% |
| Q2 FY2024 | $41.7M | — | $9.5M | 22.7% |
| Q1 FY2024 | $42.1M | — | $8.7M | 20.7% |
Income Statement
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $42.1M | $41.7M | $42.6M | $47.3M | $47.4M | $51.2M | $51.7M | $63.4M |
| YoY Growth | N/A | N/A | 16.3% | N/A | 12.5% | 22.7% | 21.5% | 33.9% |
Balance Sheet
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $4.65B | $4.81B | $5.00B | $5.16B | $5.24B | $5.23B | $5.44B | $7.01B |
| Liabilities | $3.92B | $4.06B | $4.26B | $4.39B | $4.50B | $4.49B | $4.71B | $6.15B |
| Equity | $733.8M | $734.3M | $747.4M | $765.2M | $739.6M | $737.1M | $737.0M | $858.9M |
Cash Flow
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $-11.4M | $24.7M | $8.6M | $43.2M | $9.9M | $27.0M | $24.2M | $60.8M |