vs
Side-by-side financial comparison of CARRIAGE SERVICES INC (CSV) and NB Bancorp, Inc. (NBBK). Click either name above to swap in a different company.
CARRIAGE SERVICES INC is the larger business by last-quarter revenue ($105.5M vs $63.4M, roughly 1.7× NB Bancorp, Inc.). NB Bancorp, Inc. runs the higher net margin — 12.2% vs 11.6%, a 0.5% gap on every dollar of revenue. On growth, NB Bancorp, Inc. posted the faster year-over-year revenue change (33.9% vs 8.0%). NB Bancorp, Inc. produced more free cash flow last quarter ($57.4M vs $6.2M). Over the past eight quarters, NB Bancorp, Inc.'s revenue compounded faster (22.6% CAGR vs 1.0%).
Jardine Cycle & Carriage Limited is the investment holding company of Jardines in Southeast Asia. It is currently 75% held by the conglomerate.
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.
CSV vs NBBK — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $105.5M | $63.4M |
| Net Profit | $12.3M | $7.7M |
| Gross Margin | 34.8% | — |
| Operating Margin | 23.3% | 23.5% |
| Net Margin | 11.6% | 12.2% |
| Revenue YoY | 8.0% | 33.9% |
| Net Profit YoY | 24.5% | -50.6% |
| EPS (diluted) | $0.76 | $0.19 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $105.5M | $63.4M | ||
| Q3 25 | $102.7M | $51.7M | ||
| Q2 25 | $102.1M | $51.2M | ||
| Q1 25 | $107.1M | $47.4M | ||
| Q4 24 | $97.7M | $47.3M | ||
| Q3 24 | $100.7M | $42.6M | ||
| Q2 24 | $102.3M | $41.7M | ||
| Q1 24 | $103.5M | $42.1M |
| Q4 25 | $12.3M | $7.7M | ||
| Q3 25 | $6.6M | $15.4M | ||
| Q2 25 | $11.7M | $14.6M | ||
| Q1 25 | $20.9M | $12.7M | ||
| Q4 24 | $9.9M | $15.6M | ||
| Q3 24 | $9.9M | $8.4M | ||
| Q2 24 | $6.3M | $9.5M | ||
| Q1 24 | $7.0M | $8.7M |
| Q4 25 | 34.8% | — | ||
| Q3 25 | 35.3% | — | ||
| Q2 25 | 35.2% | — | ||
| Q1 25 | 35.3% | — | ||
| Q4 24 | 34.4% | — | ||
| Q3 24 | 35.2% | — | ||
| Q2 24 | 36.2% | — | ||
| Q1 24 | 36.0% | — |
| Q4 25 | 23.3% | 23.5% | ||
| Q3 25 | 17.0% | 38.6% | ||
| Q2 25 | 23.5% | 36.6% | ||
| Q1 25 | 29.5% | 37.1% | ||
| Q4 24 | 21.6% | 40.7% | ||
| Q3 24 | 22.7% | 36.1% | ||
| Q2 24 | 18.0% | 28.3% | ||
| Q1 24 | 18.8% | 28.8% |
| Q4 25 | 11.6% | 12.2% | ||
| Q3 25 | 6.4% | 29.7% | ||
| Q2 25 | 11.5% | 28.5% | ||
| Q1 25 | 19.5% | 26.7% | ||
| Q4 24 | 10.1% | 33.0% | ||
| Q3 24 | 9.8% | 19.7% | ||
| Q2 24 | 6.1% | 22.7% | ||
| Q1 24 | 6.7% | 20.7% |
| Q4 25 | $0.76 | $0.19 | ||
| Q3 25 | $0.41 | $0.43 | ||
| Q2 25 | $0.74 | $0.39 | ||
| Q1 25 | $1.34 | $0.33 | ||
| Q4 24 | $0.62 | $0.40 | ||
| Q3 24 | $0.63 | $0.21 | ||
| Q2 24 | $0.40 | $0.24 | ||
| Q1 24 | $0.45 | $0.22 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $1.7M | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $254.8M | $858.9M |
| Total Assets | $1.3B | $7.0B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.7M | — | ||
| Q3 25 | $1.2M | — | ||
| Q2 25 | $1.4M | — | ||
| Q1 25 | $4.6M | — | ||
| Q4 24 | $1.2M | — | ||
| Q3 24 | $1.3M | — | ||
| Q2 24 | $1.5M | — | ||
| Q1 24 | $1.7M | — |
| Q4 25 | $254.8M | $858.9M | ||
| Q3 25 | $242.1M | $737.0M | ||
| Q2 25 | $235.4M | $737.1M | ||
| Q1 25 | $223.1M | $739.6M | ||
| Q4 24 | $208.6M | $765.2M | ||
| Q3 24 | $198.1M | $747.4M | ||
| Q2 24 | $187.9M | $734.3M | ||
| Q1 24 | $179.6M | $733.8M |
| Q4 25 | $1.3B | $7.0B | ||
| Q3 25 | $1.3B | $5.4B | ||
| Q2 25 | $1.3B | $5.2B | ||
| Q1 25 | $1.3B | $5.2B | ||
| Q4 24 | $1.3B | $5.2B | ||
| Q3 24 | $1.3B | $5.0B | ||
| Q2 24 | $1.3B | $4.8B | ||
| Q1 24 | $1.3B | $4.7B |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $14.1M | $60.8M |
| Free Cash FlowOCF − Capex | $6.2M | $57.4M |
| FCF MarginFCF / Revenue | 5.9% | 90.6% |
| Capex IntensityCapex / Revenue | 7.5% | 5.4% |
| Cash ConversionOCF / Net Profit | 1.15× | 7.89× |
| TTM Free Cash FlowTrailing 4 quarters | $40.1M | $117.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $14.1M | $60.8M | ||
| Q3 25 | $24.7M | $24.2M | ||
| Q2 25 | $8.1M | $27.0M | ||
| Q1 25 | $13.8M | $9.9M | ||
| Q4 24 | $9.3M | $43.2M | ||
| Q3 24 | $20.9M | $8.6M | ||
| Q2 24 | $2.2M | $24.7M | ||
| Q1 24 | $19.7M | $-11.4M |
| Q4 25 | $6.2M | $57.4M | ||
| Q3 25 | $18.0M | $23.9M | ||
| Q2 25 | $5.2M | $26.1M | ||
| Q1 25 | $10.6M | $9.8M | ||
| Q4 24 | $4.9M | $41.3M | ||
| Q3 24 | $16.2M | $8.4M | ||
| Q2 24 | $-1.4M | $23.8M | ||
| Q1 24 | $16.2M | $-11.7M |
| Q4 25 | 5.9% | 90.6% | ||
| Q3 25 | 17.5% | 46.3% | ||
| Q2 25 | 5.1% | 51.0% | ||
| Q1 25 | 9.9% | 20.8% | ||
| Q4 24 | 5.0% | 87.2% | ||
| Q3 24 | 16.1% | 19.7% | ||
| Q2 24 | -1.4% | 57.1% | ||
| Q1 24 | 15.6% | -27.7% |
| Q4 25 | 7.5% | 5.4% | ||
| Q3 25 | 6.5% | 0.6% | ||
| Q2 25 | 2.8% | 1.9% | ||
| Q1 25 | 3.0% | 0.2% | ||
| Q4 24 | 4.5% | 4.1% | ||
| Q3 24 | 4.6% | 0.5% | ||
| Q2 24 | 3.5% | 2.1% | ||
| Q1 24 | 3.4% | 0.6% |
| Q4 25 | 1.15× | 7.89× | ||
| Q3 25 | 3.76× | 1.58× | ||
| Q2 25 | 0.69× | 1.85× | ||
| Q1 25 | 0.66× | 0.79× | ||
| Q4 24 | 0.94× | 2.77× | ||
| Q3 24 | 2.11× | 1.03× | ||
| Q2 24 | 0.34× | 2.61× | ||
| Q1 24 | 2.83× | -1.31× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CSV
| Propertyand Merchandise | $47.8M | 45% |
| Cemetery Interment Rights | $24.8M | 23% |
| Merchandise | $18.9M | 18% |
| Other Revenue | $10.2M | 10% |
| Other | $3.9M | 4% |
NBBK
Segment breakdown not available.
