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Side-by-side financial comparison of NB Bancorp, Inc. (NBBK) and STEM, INC. (STEM). Click either name above to swap in a different company.
NB Bancorp, Inc. is the larger business by last-quarter revenue ($63.4M vs $47.1M, roughly 1.3× STEM, INC.). NB Bancorp, Inc. runs the higher net margin — 12.2% vs -33.9%, a 46.1% gap on every dollar of revenue. On growth, NB Bancorp, Inc. posted the faster year-over-year revenue change (33.9% vs -15.6%). Over the past eight quarters, STEM, INC.'s revenue compounded faster (36.1% CAGR vs 22.6%).
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.
StemCells, Inc. is a public biopharmaceutical company headquartered in Newark, California, that is developing purified human neural stem cells (HuCNS-SCs) in the hopes of treating central nervous system disorders and paralysis. StemCells' HuCNS-SCs have the ability to differentiate into the three main types of cells found in the central nervous system: neurons, astrocytes and oligodendrocytes.
NBBK vs STEM — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $63.4M | $47.1M |
| Net Profit | $7.7M | $-16.0M |
| Gross Margin | — | 48.9% |
| Operating Margin | 23.5% | -17.7% |
| Net Margin | 12.2% | -33.9% |
| Revenue YoY | 33.9% | -15.6% |
| Net Profit YoY | -50.6% | 68.8% |
| EPS (diluted) | $0.19 | $-4.40 |
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 | $47.1M | ||
| Q3 25 | $51.7M | $38.2M | ||
| Q2 25 | $51.2M | $38.4M | ||
| Q1 25 | $47.4M | $32.5M | ||
| Q4 24 | $47.3M | $55.8M | ||
| Q3 24 | $42.6M | $29.3M | ||
| Q2 24 | $41.7M | $34.0M | ||
| Q1 24 | $42.1M | $25.5M |
| Q4 25 | $7.7M | $-16.0M | ||
| Q3 25 | $15.4M | $-23.8M | ||
| Q2 25 | $14.6M | $202.5M | ||
| Q1 25 | $12.7M | $-25.0M | ||
| Q4 24 | $15.6M | $-51.1M | ||
| Q3 24 | $8.4M | $-148.3M | ||
| Q2 24 | $9.5M | $-582.3M | ||
| Q1 24 | $8.7M | $-72.3M |
| Q4 25 | — | 48.9% | ||
| Q3 25 | — | 35.5% | ||
| Q2 25 | — | 33.4% | ||
| Q1 25 | — | 32.4% | ||
| Q4 24 | — | -4.4% | ||
| Q3 24 | — | 21.2% | ||
| Q2 24 | — | 27.6% | ||
| Q1 24 | — | -95.0% |
| Q4 25 | 23.5% | -17.7% | ||
| Q3 25 | 38.6% | -33.6% | ||
| Q2 25 | 36.6% | -34.8% | ||
| Q1 25 | 37.1% | -65.0% | ||
| Q4 24 | 40.7% | -84.4% | ||
| Q3 24 | 36.1% | -493.2% | ||
| Q2 24 | 28.3% | -1705.5% | ||
| Q1 24 | 28.8% | -267.0% |
| Q4 25 | 12.2% | -33.9% | ||
| Q3 25 | 29.7% | -62.2% | ||
| Q2 25 | 28.5% | 527.8% | ||
| Q1 25 | 26.7% | -76.9% | ||
| Q4 24 | 33.0% | -91.6% | ||
| Q3 24 | 19.7% | -506.3% | ||
| Q2 24 | 22.7% | -1712.6% | ||
| Q1 24 | 20.7% | -283.9% |
| Q4 25 | $0.19 | $-4.40 | ||
| Q3 25 | $0.43 | $-2.84 | ||
| Q2 25 | $0.39 | $-1.79 | ||
| Q1 25 | $0.33 | $-0.15 | ||
| Q4 24 | $0.40 | $-15.29 | ||
| Q3 24 | $0.21 | $-18.24 | ||
| Q2 24 | $0.24 | $-71.81 | ||
| Q1 24 | $0.22 | $-0.46 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $48.9M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $858.9M | $-249.4M |
| Total Assets | $7.0B | $308.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $48.9M | ||
| Q3 25 | — | $43.1M | ||
| Q2 25 | — | $40.8M | ||
| Q1 25 | — | $58.6M | ||
| Q4 24 | — | $56.3M | ||
| Q3 24 | — | $75.4M | ||
| Q2 24 | — | $89.6M | ||
| Q1 24 | — | $112.8M |
| Q4 25 | $858.9M | $-249.4M | ||
| Q3 25 | $737.0M | $-235.7M | ||
| Q2 25 | $737.1M | $-214.1M | ||
| Q1 25 | $739.6M | $-417.5M | ||
| Q4 24 | $765.2M | $-398.4M | ||
| Q3 24 | $747.4M | $-344.1M | ||
| Q2 24 | $734.3M | $-203.2M | ||
| Q1 24 | $733.8M | $371.6M |
| Q4 25 | $7.0B | $308.9M | ||
| Q3 25 | $5.4B | $362.6M | ||
| Q2 25 | $5.2B | $379.2M | ||
| Q1 25 | $5.2B | $405.1M | ||
| Q4 24 | $5.2B | $437.4M | ||
| Q3 24 | $5.0B | $537.8M | ||
| Q2 24 | $4.8B | $691.5M | ||
| Q1 24 | $4.7B | $1.3B |
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 | $8.2M |
| Free Cash FlowOCF − Capex | $57.4M | — |
| FCF MarginFCF / Revenue | 90.6% | — |
| Capex IntensityCapex / Revenue | 5.4% | — |
| Cash ConversionOCF / Net Profit | 7.89× | — |
| TTM Free Cash FlowTrailing 4 quarters | $117.2M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $60.8M | $8.2M | ||
| Q3 25 | $24.2M | $11.4M | ||
| Q2 25 | $27.0M | $-21.3M | ||
| Q1 25 | $9.9M | $8.5M | ||
| Q4 24 | $43.2M | $-14.7M | ||
| Q3 24 | $8.6M | $-9.4M | ||
| Q2 24 | $24.7M | $-11.9M | ||
| Q1 24 | $-11.4M | $-621.0K |
| Q4 25 | $57.4M | — | ||
| Q3 25 | $23.9M | — | ||
| Q2 25 | $26.1M | — | ||
| Q1 25 | $9.8M | — | ||
| Q4 24 | $41.3M | — | ||
| Q3 24 | $8.4M | — | ||
| Q2 24 | $23.8M | — | ||
| Q1 24 | $-11.7M | — |
| Q4 25 | 90.6% | — | ||
| Q3 25 | 46.3% | — | ||
| Q2 25 | 51.0% | — | ||
| Q1 25 | 20.8% | — | ||
| Q4 24 | 87.2% | — | ||
| Q3 24 | 19.7% | — | ||
| Q2 24 | 57.1% | — | ||
| Q1 24 | -27.7% | — |
| Q4 25 | 5.4% | — | ||
| Q3 25 | 0.6% | — | ||
| Q2 25 | 1.9% | — | ||
| Q1 25 | 0.2% | — | ||
| Q4 24 | 4.1% | — | ||
| Q3 24 | 0.5% | — | ||
| Q2 24 | 2.1% | — | ||
| Q1 24 | 0.6% | — |
| Q4 25 | 7.89× | — | ||
| Q3 25 | 1.58× | — | ||
| Q2 25 | 1.85× | -0.11× | ||
| 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.
