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Side-by-side financial comparison of NB Bancorp, Inc. (NBBK) and Winchester Bancorp, Inc. (WSBK). Click either name above to swap in a different company.
NB Bancorp, Inc. is the larger business by last-quarter revenue ($63.4M vs $6.4M, roughly 9.8× Winchester Bancorp, Inc.). Winchester Bancorp, Inc. runs the higher net margin — 16.7% vs 12.2%, a 4.5% gap on every dollar of revenue. On growth, Winchester Bancorp, Inc. posted the faster year-over-year revenue change (45.8% vs 33.9%).
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.
Winchester Bancorp, Inc. (Maryland) is a regional bank holding company operating community banking outlets across Maryland. It provides a full range of retail and commercial financial services, including deposit accounts, mortgage loans, small business loans, and wealth management solutions, serving individual consumers and local small to medium-sized enterprise clients.
NBBK vs WSBK — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $63.4M | $6.4M |
| Net Profit | $7.7M | $1.1M |
| Gross Margin | — | — |
| Operating Margin | 23.5% | 20.9% |
| Net Margin | 12.2% | 16.7% |
| Revenue YoY | 33.9% | 45.8% |
| Net Profit YoY | -50.6% | 187.9% |
| EPS (diluted) | $0.19 | $0.12 |
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 | $6.4M | ||
| Q3 25 | $51.7M | $5.8M | ||
| Q2 25 | $51.2M | — | ||
| Q1 25 | $47.4M | $4.4M | ||
| Q4 24 | $47.3M | $4.4M | ||
| Q3 24 | $42.6M | — | ||
| Q2 24 | $41.7M | — | ||
| Q1 24 | $42.1M | — |
| Q4 25 | $7.7M | $1.1M | ||
| Q3 25 | $15.4M | $962.0K | ||
| Q2 25 | $14.6M | — | ||
| Q1 25 | $12.7M | $305.0K | ||
| Q4 24 | $15.6M | $373.0K | ||
| Q3 24 | $8.4M | — | ||
| Q2 24 | $9.5M | — | ||
| Q1 24 | $8.7M | — |
| Q4 25 | 23.5% | 20.9% | ||
| Q3 25 | 38.6% | 22.8% | ||
| Q2 25 | 36.6% | — | ||
| Q1 25 | 37.1% | 8.5% | ||
| Q4 24 | 40.7% | 9.4% | ||
| Q3 24 | 36.1% | — | ||
| Q2 24 | 28.3% | — | ||
| Q1 24 | 28.8% | — |
| Q4 25 | 12.2% | 16.7% | ||
| Q3 25 | 29.7% | 16.6% | ||
| Q2 25 | 28.5% | — | ||
| Q1 25 | 26.7% | 7.0% | ||
| Q4 24 | 33.0% | 8.4% | ||
| Q3 24 | 19.7% | — | ||
| Q2 24 | 22.7% | — | ||
| Q1 24 | 20.7% | — |
| Q4 25 | $0.19 | $0.12 | ||
| Q3 25 | $0.43 | $0.11 | ||
| Q2 25 | $0.39 | — | ||
| Q1 25 | $0.33 | — | ||
| Q4 24 | $0.40 | — | ||
| Q3 24 | $0.21 | — | ||
| Q2 24 | $0.24 | — | ||
| Q1 24 | $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 | — | $54.8M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $858.9M | $118.2M |
| Total Assets | $7.0B | $1.0B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $54.8M | ||
| Q3 25 | — | $57.7M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | $66.6M | ||
| Q4 24 | — | $41.5M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $858.9M | $118.2M | ||
| Q3 25 | $737.0M | $117.0M | ||
| Q2 25 | $737.1M | — | ||
| Q1 25 | $739.6M | $80.9M | ||
| Q4 24 | $765.2M | $80.3M | ||
| Q3 24 | $747.4M | — | ||
| Q2 24 | $734.3M | — | ||
| Q1 24 | $733.8M | — |
| Q4 25 | $7.0B | $1.0B | ||
| Q3 25 | $5.4B | $1.0B | ||
| Q2 25 | $5.2B | — | ||
| Q1 25 | $5.2B | $923.1M | ||
| Q4 24 | $5.2B | $894.1M | ||
| Q3 24 | $5.0B | — | ||
| Q2 24 | $4.8B | — | ||
| Q1 24 | $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 | $60.8M | $1.6M |
| Free Cash FlowOCF − Capex | $57.4M | — |
| FCF MarginFCF / Revenue | 90.6% | — |
| Capex IntensityCapex / Revenue | 5.4% | — |
| Cash ConversionOCF / Net Profit | 7.89× | 1.44× |
| TTM Free Cash FlowTrailing 4 quarters | $117.2M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $60.8M | $1.6M | ||
| Q3 25 | $24.2M | $1.4M | ||
| Q2 25 | $27.0M | — | ||
| Q1 25 | $9.9M | $848.0K | ||
| Q4 24 | $43.2M | — | ||
| Q3 24 | $8.6M | — | ||
| Q2 24 | $24.7M | — | ||
| Q1 24 | $-11.4M | — |
| 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× | 1.44× | ||
| Q3 25 | 1.58× | 1.41× | ||
| Q2 25 | 1.85× | — | ||
| Q1 25 | 0.79× | 2.78× | ||
| 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.
