Page: Company Financials
NB Bancorp, Inc. Common Stock
$20.21
+0.28 (1.40%)
As of: 2026-01-15
Master Data Export
Enterprise Value
| Metric | MRQ | MRQ-1 | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|---|
| Stock Price | 17.65 | 17.86 | 17.86 | 16.34 | 13.69 | 13.77 |
| Market Capitalization | 624.32M | 664.23M | 662.96M | 643.70M | 584.64M | 549.22M |
| (-) Cash & Equivalents | 197.55M | 157.11M | 185.27M | 173.32M | 91.50M | 32.77M |
| (+) Total Debt | 41.45M | 127.60M | 86.63M | 89.71M | 281.67M | 73.27M |
| Enterprise Value | 468.22M | 634.72M | 564.32M | 560.10M | 774.81M | 589.72M |
Income Statement
| Metric | TTM | TTM-1 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Revenue | 331M | 290M | 304M | 238M | 129M | 99M |
| Cost of Revenue | 141M | 142M | 143M | 104M | 22M | 15M |
| Gross Profit | 189M | 148M | 161M | 133M | 107M | 84M |
| Gross Profit Margin | 57.3% | 51.0% | 52.8% | 56.1% | 82.7% | 85.1% |
| R&D Expenses | 0M | 0M | 0M | 0M | 0M | 0M |
| SG&A Expenses | 96M | 94M | 87M | 109M | 61M | 48M |
| Operating Expenses | 114M | 129M | 102M | 121M | 70M | 56M |
| Operating Income (EBIT) | 76M | 19M | 59M | 12M | 36M | 28M |
| Operating Income Margin | 22.8% | 6.6% | 19.3% | 5.0% | 28.2% | 28.0% |
| Interest Income | 316M | 279M | 293M | 222M | 121M | 91M |
| Interest Expense | 134M | 126M | 131M | 90M | 16M | 13M |
| Net Interest Income | 181M | 154M | 161M | 132M | 105M | 78M |
| Unusual Items | -181M | -154M | -161M | -132M | -105M | -78M |
| EBT Excluding Unusual Items | 257M | 173M | 220M | 144M | 142M | 106M |
| Pre-Tax Income | 76M | 19M | 59M | 12M | 36M | 28M |
| Pre-Tax Margin | 22.8% | 6.6% | 19.3% | 5.0% | 28.2% | 28.0% |
| Income Tax Expense | 17M | 6M | 16M | 2M | 6M | 6M |
| Net Income | 58M | 13M | 42M | 10M | 30M | 22M |
| Net Income Margin | 17.6% | 4.5% | 13.9% | 4.1% | 23.3% | 21.8% |
| Depreciation & Amortization | 3M | 3M | 3M | 3M | 2M | 2M |
| EBITDA | 79M | 22M | 62M | 15M | 39M | 30M |
| EBITDA Margin | 23.7% | 7.6% | 20.3% | 6.2% | 30.2% | 30.1% |
| NOPAT | 58M | 13M | 42M | 10M | 30M | 22M |
| NOPAT Margin | 17.6% | 4.5% | 13.9% | 4.1% | 23.3% | 21.8% |
| Owner's Earnings | 59M | 14M | 43M | 10M | 24M | 22M |
| Owner's Earnings Margin | 17.9% | 4.9% | 14.2% | 4.1% | 18.7% | 22.1% |
| EPS (Basic) | 1.55 | 0.35 | 1.07 | 0.23 | 0.70 | 0.51 |
| EPS (Diluted) | 1.54 | 0.32 | 1.07 | 0.23 | 0.70 | 0.51 |
| Shares (Basic) | 38M | 40M | 39M | 42M | 43M | 43M |
| Shares (Diluted) | 38M | 40M | 39M | 42M | 43M | 43M |
Product Segments
| Metric | TTM | TTM-1 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|---|
| Product and Service, Other | 0.00M | 0.00M | 5.19M | 6.07M |
Balance Sheet
| Metric | MRQ | MRQ-1 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Cash & Cash Equivalents | 197.55M | 157.11M | 211.17M | 90.49M | 131.07M | 457.18M |
| Short-Term Investments | 99.09M | 64.97M | 93.92M | 189.47M | 245.48M | 259.75M |
| Cash & Short-Term Investments | 296.64M | 222.08M | 305.09M | 279.95M | 376.55M | 716.93M |
| Net Receivables | 21.07M | 20.39M | 19.69M | 17.28M | 14.97M | 7.54M |
| Inventory | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M |
| Other Current Assets | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M |
| Total Current Assets | 317.71M | 242.47M | 324.77M | 297.23M | 391.52M | 724.47M |
| Property, Plant & Equipment | 33.84M | 34.29M | 34.65M | 35.53M | 35.34M | 29.21M |
| Goodwill | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M |
| Intangible Assets | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M |
| Long-Term Investments | 4,849.54M | 4,704.78M | 4,453.05M | 3,895.79M | 3,001.01M | 2,090.63M |
| Tax Assets | 28.64M | 29.65M | 30.30M | 19.13M | 11.39M | 6.37M |
| Other Non-Current Assets | 212.65M | 215.37M | 314.96M | 285.71M | 95.90M | 45.54M |
| Other Assets | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M |
| Total Non-Current Assets | 5,124.68M | 4,984.09M | 4,832.96M | 4,236.16M | 3,143.64M | 2,171.75M |
| Total Assets | 5,442.39M | 5,226.55M | 5,157.74M | 4,533.39M | 3,535.17M | 2,896.22M |
| Accounts Payable | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M |
| Short-Term Debt | 0.00M | 0.00M | 100.00M | 0.00M | 0.00M | 0.00M |
| Tax Payables | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M | 0.02M |
| Deferred Revenue | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M |
| Other Current Liabilities | 4,570.21M | 4,272.17M | 4,182.20M | 3,391.56M | 2,890.81M | 2,568.19M |
| Total Current Liabilities | 4,570.21M | 4,272.17M | 4,282.20M | 3,391.56M | 2,890.81M | 2,568.20M |
| Long-Term Debt | 41.45M | 127.60M | 20.84M | 283.34M | 293.08M | 0.26M |
| Capital Lease Obligations | 0.00M | 0.00M | 0.00M | 10.01M | 10.29M | 4.80M |
| Deferred Tax Liabilities | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M |
| Other Non-Current Liabilities | 93.70M | 89.66M | 89.53M | 19.21M | 11.98M | 7.90M |
| Total Non-Current Liabilities | 135.15M | 217.26M | 110.37M | 312.56M | 315.36M | 12.96M |
| Total Liabilities | 4,705.36M | 4,489.43M | 4,392.57M | 3,704.12M | 3,206.16M | 2,581.16M |
| Preferred Stock | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M |
| Common Stock | 0.40M | 0.41M | 0.43M | 0.43M | 0.00M | 0.00M |
| Retained Earnings | 440.28M | 427.71M | 400.47M | 366.17M | 358.47M | 328.40M |
| Accumulated OCI | -3.12M | -6.14M | -8.17M | -11.90M | -14.40M | -2.27M |
| Minority Interest | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M |
| Total Shareholders’ Equity | 437.56M | 421.97M | 392.73M | 354.70M | 344.07M | 326.13M |
| Total Equity | 437.56M | 421.97M | 392.73M | 354.70M | 344.07M | 326.13M |
| Total Liabilities & Equity | 5,142.91M | 4,911.40M | 4,785.30M | 4,058.82M | 3,550.23M | 2,907.29M |
| Tangible Assets | 5,442.39M | 5,226.55M | 5,157.74M | 4,533.39M | 3,535.17M | 2,896.22M |
| Tangible Equity | 437.56M | 421.97M | 392.73M | 354.70M | 344.07M | 326.13M |
| Tangible Book Value | 437.56M | 421.97M | 392.73M | 354.70M | 344.07M | 326.13M |
| Total Investments | 4,948.63M | 4,769.75M | 4,546.98M | 4,085.26M | 3,246.49M | 2,350.38M |
| Net Debt | -156.10M | -29.51M | -90.33M | 192.85M | 162.01M | -456.93M |
Capital Metrics
| Metric | MRQ | MRQ-1 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Working Capital | -4,252.5M | -4,029.7M | -3,957.4M | -3,175.6M | -2,494.5M | -1,837.5M |
| Total Capital | 778.5M | 864.7M | 886.0M | 1,041.3M | 637.1M | 326.4M |
| Capital Employed | 872.2M | 954.4M | 875.5M | 1,060.5M | 649.1M | 334.3M |
| Invested Capital | 580.9M | 707.6M | 674.8M | 950.8M | 506.1M | -130.8M |
Cash Flow Statement
| Metric | TTM | TTM-1 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Net Income | 58.21M | 12.92M | 42.15M | 9.83M | 30.07M | 21.58M |
| Depreciation & Amortization | 3.03M | 2.93M | 2.96M | 2.85M | 2.47M | 2.10M |
| Deferred Income Tax | -10.25M | -7.71M | -10.26M | -7.72M | -1.25M | 0.53M |
| Stock-Based Compensation | 4.97M | 1.97M | 2.80M | 0.00M | 0.00M | 0.00M |
| Change in Working Capital | 18.41M | -2.29M | -16.88M | 31.31M | 0.86M | 15.79M |
| Accounts Receivable | -2.40M | 1.31M | -2.40M | -6.46M | -3.30M | 1.02M |
| Inventory | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M |
| Accounts Payable | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M |
| Other Working Capital | 20.81M | -3.59M | -14.47M | 37.71M | 4.16M | 14.76M |
| Other Non-Cash Items | 7.29M | 27.37M | 22.41M | 16.69M | 7.57M | 3.85M |
| Net Cash from Operating Activities | 81.65M | 35.19M | 43.19M | 52.96M | 39.71M | 43.84M |
| Capital Expenditures (PPE) | -1.92M | -1.62M | -1.94M | -2.87M | -8.50M | -1.81M |
| Acquisitions (Net) | 0.00M | 0.00M | 0.00M | 0.00M | 297.67M | 0.00M |
| Purchases of Investments | -108.10M | -116.66M | -142.99M | -50.31M | -191.76M | -180.44M |
| Sales / Maturities of Investments | 69.40M | 120.45M | 111.78M | 103.59M | 170.60M | 72.89M |
| Other Investing Activities | -430.92M | -601.36M | -513.31M | -882.04M | -936.00M | 67.42M |
| Net Cash from Investing Activities | -471.54M | -599.18M | -546.44M | -831.62M | -667.99M | -41.94M |
| Net Debt Issuance | -74.88M | -229.30M | -162.50M | -9.74M | 292.83M | -120.11M |
| Long-Term Debt Issuance | -74.88M | -229.30M | -162.50M | -9.74M | 292.83M | -120.11M |
| Short-Term Debt Issuance | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M |
| Net Stock Issuance | -77.13M | 0.00M | -33.62M | 417.46M | 0.00M | 0.00M |
| Common Stock Issuance | 0.00M | 0.00M | -0.23M | 417.46M | 0.00M | 0.00M |
| Common Stock Repurchased | -77.13M | 0.00M | -33.40M | 0.00M | 0.00M | 0.00M |
| Preferred Stock Issuance | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M |
| Net Dividends Paid | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M |
| Common Dividends Paid | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M |
| Preferred Dividends Paid | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M |
| Other Financing Activities | 520.22M | 976.50M | 790.65M | 487.06M | 24.95M | 362.54M |
| Net Cash from Financing Activities | 368.22M | 747.21M | 594.52M | 894.71M | 317.77M | 242.43M |
| Effect of FX on Cash | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M |
| Net Change in Cash | -21.67M | 183.22M | 91.26M | 116.05M | -310.51M | 244.33M |
| Cash at Beginning of Period | 1,253.05M | 1,050.40M | 272.59M | 156.55M | 467.05M | 222.72M |
| Cash at End of Period | 1,231.38M | 1,233.61M | 363.86M | 272.59M | 156.55M | 467.05M |
| Operating Cash Flow | 81.65M | 35.19M | 43.19M | 52.96M | 39.71M | 43.84M |
| Capital Expenditure | -1.92M | -1.62M | -1.94M | -2.87M | -8.50M | -1.81M |
| Free Cash Flow | 79.73M | 33.57M | 41.25M | 50.09M | 31.22M | 42.04M |
Free Cash Flow
| Metric | TTM | TTM-1 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| EBITDA | 96.72M | 56.49M | 76.19M | 27.36M | 47.87M | 37.90M |
| (-) Tax Adjustment | 22.18M | 18.45M | 21.40M | 4.66M | 8.32M | 8.31M |
| (-) Change In Working Capital | 18.41M | -2.29M | -16.88M | 31.31M | 0.86M | 15.79M |
| (-) Capital Expenditure | -1.92M | -1.62M | -1.94M | -2.87M | -8.50M | -1.81M |
| Unlevered Free Cash Flow | 54.21M | 38.71M | 69.72M | -11.48M | 30.19M | 12.00M |
| (-) Net Interest Income After Taxes | 139.67M | 103.40M | 115.91M | 109.27M | 87.14M | 60.91M |
| Net Debt Issuance | -74.88M | -229.30M | -162.50M | -9.74M | 292.83M | -120.11M |
| Levered Free Cash Flow | -160.34M | -293.99M | -208.69M | -130.49M | 235.87M | -169.02M |