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Side-by-side financial comparison of NB Bancorp, Inc. (NBBK) and Repay Holdings Corp (RPAY). Click either name above to swap in a different company.
Repay Holdings Corp is the larger business by last-quarter revenue ($78.6M vs $63.4M, roughly 1.2× NB Bancorp, Inc.). NB Bancorp, Inc. runs the higher net margin — 12.2% vs -178.3%, a 190.5% gap on every dollar of revenue. On growth, NB Bancorp, Inc. posted the faster year-over-year revenue change (33.9% vs 0.4%). NB Bancorp, Inc. produced more free cash flow last quarter ($57.4M vs $23.2M). Over the past eight quarters, NB Bancorp, Inc.'s revenue compounded faster (22.6% CAGR vs -1.3%).
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.
Repay Holdings Corp is a leading payment technology provider delivering integrated end-to-end payment processing solutions for businesses across North America. Its offerings include credit/debit card processing, ACH transfer services, POS system integrations and digital payment tools, serving retail, healthcare, automotive and e-commerce segments to help clients streamline transaction workflows and boost operational efficiency.
NBBK vs RPAY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $63.4M | $78.6M |
| Net Profit | $7.7M | $-140.1M |
| Gross Margin | — | 74.2% |
| Operating Margin | 23.5% | -182.2% |
| Net Margin | 12.2% | -178.3% |
| Revenue YoY | 33.9% | 0.4% |
| Net Profit YoY | -50.6% | -3304.1% |
| EPS (diluted) | $0.19 | $-1.68 |
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 | $78.6M | ||
| Q3 25 | $51.7M | $77.7M | ||
| Q2 25 | $51.2M | $75.6M | ||
| Q1 25 | $47.4M | $77.3M | ||
| Q4 24 | $47.3M | $78.3M | ||
| Q3 24 | $42.6M | $79.1M | ||
| Q2 24 | $41.7M | $74.9M | ||
| Q1 24 | $42.1M | $80.7M |
| Q4 25 | $7.7M | $-140.1M | ||
| Q3 25 | $15.4M | $-6.4M | ||
| Q2 25 | $14.6M | $-102.3M | ||
| Q1 25 | $12.7M | $-7.9M | ||
| Q4 24 | $15.6M | $-4.1M | ||
| Q3 24 | $8.4M | $3.2M | ||
| Q2 24 | $9.5M | $-4.1M | ||
| Q1 24 | $8.7M | $-5.2M |
| Q4 25 | — | 74.2% | ||
| Q3 25 | — | 74.4% | ||
| Q2 25 | — | 75.7% | ||
| Q1 25 | — | 75.9% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 77.8% | ||
| Q2 24 | — | 78.2% | ||
| Q1 24 | — | 76.2% |
| Q4 25 | 23.5% | -182.2% | ||
| Q3 25 | 38.6% | -3.9% | ||
| Q2 25 | 36.6% | -138.7% | ||
| Q1 25 | 37.1% | -4.7% | ||
| Q4 24 | 40.7% | -1.5% | ||
| Q3 24 | 36.1% | -0.9% | ||
| Q2 24 | 28.3% | -4.6% | ||
| Q1 24 | 28.8% | -3.1% |
| Q4 25 | 12.2% | -178.3% | ||
| Q3 25 | 29.7% | -8.3% | ||
| Q2 25 | 28.5% | -135.2% | ||
| Q1 25 | 26.7% | -10.3% | ||
| Q4 24 | 33.0% | -5.3% | ||
| Q3 24 | 19.7% | 4.1% | ||
| Q2 24 | 22.7% | -5.4% | ||
| Q1 24 | 20.7% | -6.5% |
| Q4 25 | $0.19 | $-1.68 | ||
| Q3 25 | $0.43 | $-0.08 | ||
| Q2 25 | $0.39 | $-1.15 | ||
| Q1 25 | $0.33 | $-0.09 | ||
| Q4 24 | $0.40 | $-0.04 | ||
| Q3 24 | $0.21 | $0.03 | ||
| Q2 24 | $0.24 | $-0.04 | ||
| Q1 24 | $0.22 | $-0.06 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $115.7M |
| Total DebtLower is stronger | — | $280.1M |
| Stockholders' EquityBook value | $858.9M | $484.4M |
| Total Assets | $7.0B | $1.2B |
| Debt / EquityLower = less leverage | — | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $115.7M | ||
| Q3 25 | — | $95.7M | ||
| Q2 25 | — | $162.6M | ||
| Q1 25 | — | $165.5M | ||
| Q4 24 | — | $189.5M | ||
| Q3 24 | — | $168.7M | ||
| Q2 24 | — | $147.1M | ||
| Q1 24 | — | $128.3M |
| Q4 25 | — | $280.1M | ||
| Q3 25 | — | $279.5M | ||
| Q2 25 | — | $279.0M | ||
| Q1 25 | — | $497.6M | ||
| Q4 24 | — | $496.8M | ||
| Q3 24 | — | $496.2M | ||
| Q2 24 | — | $435.6M | ||
| Q1 24 | — | $434.9M |
| Q4 25 | $858.9M | $484.4M | ||
| Q3 25 | $737.0M | $616.9M | ||
| Q2 25 | $737.1M | $633.7M | ||
| Q1 25 | $739.6M | $755.7M | ||
| Q4 24 | $765.2M | $761.3M | ||
| Q3 24 | $747.4M | $754.7M | ||
| Q2 24 | $734.3M | $815.4M | ||
| Q1 24 | $733.8M | $813.8M |
| Q4 25 | $7.0B | $1.2B | ||
| Q3 25 | $5.4B | $1.3B | ||
| Q2 25 | $5.2B | $1.4B | ||
| Q1 25 | $5.2B | $1.5B | ||
| Q4 24 | $5.2B | $1.6B | ||
| Q3 24 | $5.0B | $1.6B | ||
| Q2 24 | $4.8B | $1.5B | ||
| Q1 24 | $4.7B | $1.5B |
| Q4 25 | — | 0.58× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.44× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 0.65× | ||
| Q3 24 | — | 0.66× | ||
| Q2 24 | — | 0.53× | ||
| Q1 24 | — | 0.53× |
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 | $23.3M |
| Free Cash FlowOCF − Capex | $57.4M | $23.2M |
| FCF MarginFCF / Revenue | 90.6% | 29.6% |
| Capex IntensityCapex / Revenue | 5.4% | 0.1% |
| Cash ConversionOCF / Net Profit | 7.89× | — |
| TTM Free Cash FlowTrailing 4 quarters | $117.2M | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $60.8M | $23.3M | ||
| Q3 25 | $24.2M | $32.2M | ||
| Q2 25 | $27.0M | $33.1M | ||
| Q1 25 | $9.9M | $2.5M | ||
| Q4 24 | $43.2M | $34.3M | ||
| Q3 24 | $8.6M | $60.1M | ||
| Q2 24 | $24.7M | $31.0M | ||
| Q1 24 | $-11.4M | $24.8M |
| Q4 25 | $57.4M | $23.2M | ||
| Q3 25 | $23.9M | $32.1M | ||
| Q2 25 | $26.1M | $33.0M | ||
| Q1 25 | $9.8M | $2.4M | ||
| Q4 24 | $41.3M | $34.0M | ||
| Q3 24 | $8.4M | $59.8M | ||
| Q2 24 | $23.8M | $30.5M | ||
| Q1 24 | $-11.7M | $24.7M |
| Q4 25 | 90.6% | 29.6% | ||
| Q3 25 | 46.3% | 41.3% | ||
| Q2 25 | 51.0% | 43.6% | ||
| Q1 25 | 20.8% | 3.0% | ||
| Q4 24 | 87.2% | 43.5% | ||
| Q3 24 | 19.7% | 75.6% | ||
| Q2 24 | 57.1% | 40.7% | ||
| Q1 24 | -27.7% | 30.6% |
| Q4 25 | 5.4% | 0.1% | ||
| Q3 25 | 0.6% | 0.2% | ||
| Q2 25 | 1.9% | 0.1% | ||
| Q1 25 | 0.2% | 0.2% | ||
| Q4 24 | 4.1% | 0.3% | ||
| Q3 24 | 0.5% | 0.3% | ||
| Q2 24 | 2.1% | 0.6% | ||
| Q1 24 | 0.6% | 0.1% |
| Q4 25 | 7.89× | — | ||
| Q3 25 | 1.58× | — | ||
| Q2 25 | 1.85× | — | ||
| Q1 25 | 0.79× | — | ||
| Q4 24 | 2.77× | — | ||
| Q3 24 | 1.03× | 18.52× | ||
| 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.
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
