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Side-by-side financial comparison of NB Bancorp, Inc. (NBBK) and READING INTERNATIONAL INC (RDI). Click either name above to swap in a different company.
NB Bancorp, Inc. is the larger business by last-quarter revenue ($63.4M vs $50.3M, roughly 1.3× READING INTERNATIONAL INC). NB Bancorp, Inc. runs the higher net margin — 12.2% vs -5.1%, a 17.3% gap on every dollar of revenue. On growth, NB Bancorp, Inc. posted the faster year-over-year revenue change (33.9% vs -14.2%). NB Bancorp, Inc. produced more free cash flow last quarter ($57.4M vs $4.1M). Over the past eight quarters, NB Bancorp, Inc.'s revenue compounded faster (22.6% CAGR vs 5.6%).
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.
The Reading Company was a Philadelphia-headquartered railroad that provided passenger and freight transport in eastern Pennsylvania and neighboring states from 1924 until its acquisition by Conrail in 1976.
NBBK vs RDI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $63.4M | $50.3M |
| Net Profit | $7.7M | $-2.6M |
| Gross Margin | — | — |
| Operating Margin | 23.5% | -1.9% |
| Net Margin | 12.2% | -5.1% |
| Revenue YoY | 33.9% | -14.2% |
| Net Profit YoY | -50.6% | -14.5% |
| EPS (diluted) | $0.19 | $-0.11 |
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 | $63.4M | $50.3M | ||
| Q3 25 | $51.7M | $52.2M | ||
| Q2 25 | $51.2M | $60.4M | ||
| Q1 25 | $47.4M | $40.2M | ||
| Q4 24 | $47.3M | $58.6M | ||
| Q3 24 | $42.6M | $60.1M | ||
| Q2 24 | $41.7M | $46.8M | ||
| Q1 24 | $42.1M | $45.1M |
| Q4 25 | $7.7M | $-2.6M | ||
| Q3 25 | $15.4M | $-4.2M | ||
| Q2 25 | $14.6M | $-2.7M | ||
| Q1 25 | $12.7M | $-4.8M | ||
| Q4 24 | $15.6M | $-2.2M | ||
| Q3 24 | $8.4M | $-7.0M | ||
| Q2 24 | $9.5M | $-12.8M | ||
| Q1 24 | $8.7M | $-13.2M |
| Q4 25 | 23.5% | -1.9% | ||
| Q3 25 | 38.6% | -0.6% | ||
| Q2 25 | 36.6% | 4.8% | ||
| Q1 25 | 37.1% | -17.2% | ||
| Q4 24 | 40.7% | 2.6% | ||
| Q3 24 | 36.1% | -0.6% | ||
| Q2 24 | 28.3% | -16.4% | ||
| Q1 24 | 28.8% | -16.7% |
| Q4 25 | 12.2% | -5.1% | ||
| Q3 25 | 29.7% | -8.0% | ||
| Q2 25 | 28.5% | -4.4% | ||
| Q1 25 | 26.7% | -11.8% | ||
| Q4 24 | 33.0% | -3.8% | ||
| Q3 24 | 19.7% | -11.7% | ||
| Q2 24 | 22.7% | -27.4% | ||
| Q1 24 | 20.7% | -29.4% |
| Q4 25 | $0.19 | $-0.11 | ||
| Q3 25 | $0.43 | $-0.18 | ||
| Q2 25 | $0.39 | $-0.12 | ||
| Q1 25 | $0.33 | $-0.21 | ||
| Q4 24 | $0.40 | $-0.11 | ||
| Q3 24 | $0.21 | $-0.31 | ||
| Q2 24 | $0.24 | $-0.57 | ||
| Q1 24 | $0.22 | $-0.59 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $10.5M |
| Total DebtLower is stronger | — | $185.1M |
| Stockholders' EquityBook value | $858.9M | $-18.2M |
| Total Assets | $7.0B | $434.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $10.5M | ||
| Q3 25 | — | $8.1M | ||
| Q2 25 | — | $9.1M | ||
| Q1 25 | — | $5.9M | ||
| Q4 24 | — | $12.4M | ||
| Q3 24 | — | $10.1M | ||
| Q2 24 | — | $9.3M | ||
| Q1 24 | — | $7.5M |
| Q4 25 | — | $185.1M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $202.7M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $858.9M | $-18.2M | ||
| Q3 25 | $737.0M | $-12.1M | ||
| Q2 25 | $737.1M | $-7.7M | ||
| Q1 25 | $739.6M | $-8.1M | ||
| Q4 24 | $765.2M | $-4.4M | ||
| Q3 24 | $747.4M | $1.6M | ||
| Q2 24 | $734.3M | $6.5M | ||
| Q1 24 | $733.8M | $18.0M |
| Q4 25 | $7.0B | $434.9M | ||
| Q3 25 | $5.4B | $435.2M | ||
| Q2 25 | $5.2B | $438.1M | ||
| Q1 25 | $5.2B | $441.0M | ||
| Q4 24 | $5.2B | $471.0M | ||
| Q3 24 | $5.0B | $495.7M | ||
| Q2 24 | $4.8B | $494.9M | ||
| Q1 24 | $4.7B | $494.9M |
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 | $60.8M | $4.3M |
| Free Cash FlowOCF − Capex | $57.4M | $4.1M |
| FCF MarginFCF / Revenue | 90.6% | 8.2% |
| Capex IntensityCapex / Revenue | 5.4% | 0.3% |
| Cash ConversionOCF / Net Profit | 7.89× | — |
| TTM Free Cash FlowTrailing 4 quarters | $117.2M | $-2.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $60.8M | $4.3M | ||
| Q3 25 | $24.2M | $295.0K | ||
| Q2 25 | $27.0M | $1.6M | ||
| Q1 25 | $9.9M | $-7.7M | ||
| Q4 24 | $43.2M | $8.0M | ||
| Q3 24 | $8.6M | $1.3M | ||
| Q2 24 | $24.7M | $-10.4M | ||
| Q1 24 | $-11.4M | $-2.8M |
| Q4 25 | $57.4M | $4.1M | ||
| Q3 25 | $23.9M | $-246.0K | ||
| Q2 25 | $26.1M | $1.2M | ||
| Q1 25 | $9.8M | $-8.0M | ||
| Q4 24 | $41.3M | $7.0M | ||
| Q3 24 | $8.4M | $-1.1M | ||
| Q2 24 | $23.8M | $-10.6M | ||
| Q1 24 | $-11.7M | $-4.7M |
| Q4 25 | 90.6% | 8.2% | ||
| Q3 25 | 46.3% | -0.5% | ||
| Q2 25 | 51.0% | 1.9% | ||
| Q1 25 | 20.8% | -19.8% | ||
| Q4 24 | 87.2% | 12.0% | ||
| Q3 24 | 19.7% | -1.8% | ||
| Q2 24 | 57.1% | -22.7% | ||
| Q1 24 | -27.7% | -10.4% |
| Q4 25 | 5.4% | 0.3% | ||
| Q3 25 | 0.6% | 1.0% | ||
| Q2 25 | 1.9% | 0.6% | ||
| Q1 25 | 0.2% | 0.6% | ||
| Q4 24 | 4.1% | 1.7% | ||
| Q3 24 | 0.5% | 4.0% | ||
| Q2 24 | 2.1% | 0.5% | ||
| Q1 24 | 0.6% | 4.3% |
| Q4 25 | 7.89× | — | ||
| Q3 25 | 1.58× | — | ||
| Q2 25 | 1.85× | — | ||
| Q1 25 | 0.79× | — | ||
| Q4 24 | 2.77× | — | ||
| Q3 24 | 1.03× | — | ||
| Q2 24 | 2.61× | — | ||
| Q1 24 | -1.31× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
NBBK
Segment breakdown not available.
RDI
| Cinema Exhibition Segment | $46.9M | 93% |
| Real Estate Revenue | $3.4M | 7% |
