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NB Bancorp, Inc. (NBBK)

Nasdaq: NBBK · Savings Institutions, Not Federally Chartered · Needham, MA · filing with the SEC since 2023
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Grade7.0
◀ Past 8.6● Present 6.4▶ Future 5.2
1 est.
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The grade of NB Bancorp, Inc.

Nine metrics read from its own filings, by tense
Headline grade
7.0/10
◀ Past8.640% of the headline
● Present6.435% of the headline
▶ Future5.225% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

8.6/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed
8.7/10

Has it survived what it has been through?

No warning events in its filings since 2023.

weight 45% of this tense · 87th percentile among 23 sector filers · read for itself

From the record

NB Bancorp, Inc.'s filings since 2023 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
8.3/10

What has it actually done, year after year?

+40.5% a year over 4 filed years; profitable in 4 of 4.

weight 22% of this tense · 83rd percentile among 19 sector filers · read for its customers

From the record

NB Bancorp, Inc.'s 4 filed years say what it did: revenue went from $121 million in fiscal 2022 to $336 million in fiscal 2025, up 40.5% a year; it rose in 3 of 3 years; it never fell from a peak; net income was positive in 4 of 4 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span40.5%top 3% of its family
  • the share of years revenue rosetop 18% of its family
  • the share of filed years with a profittop 29% of its family
  • the deepest fall from a revenue peak0.0%top 18% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
8.6/10

How has it treated the people who own it?

Share count shrank 5.4% a year. 53% of cash flow returned. Insiders: 1 sales, 28 purchases.

weight 33% of this tense · 86th percentile among 20 sector filers · read for its shareholders

From the record

Over the 2 fiscal years to 2025-12-31, NB Bancorp, Inc.'s diluted share count shrank about 5.4% a year, and dividends and buybacks returned about 53% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 1 sale and 28 purchases of their own stock on the open market in the year to 2026-09-30, buying about $948 thousand (their Form 4 filings).

What it rests on

  • the share count over the yearstop 2% of its family
  • cash returned against operating cash flowtop 26% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

6.4/1035% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed
6.3/10

Is it financially healthy right now?

ROE 6%: 6¢ of profit per shareholder dollar. Leverage 88%: owes 88¢ per asset dollar.

weight 45% of this tense · 63rd percentile among 23 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, NB Bancorp, Inc. earned about 6 cents of profit for every dollar of shareholders' money. Leverage: it owed about 88 cents per dollar of assets, and net share issuance: its share count shrank 4.5% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetsbottom 46% of its family
  • return on equitytop 50% of its family
  • the share count against the year beforetop 7% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
8.0/10

How strong is its position in its industry?

top 20% of 22 in its family; net margin 15%.

weight 33% of this tense · 80th percentile among 22 sector filers · read for its customers

From the record

NB Bancorp, Inc.'s standing among 22 graded names in its industry family: revenue of $336 million in fiscal 2025 ranks in the top 11% by size; a net margin of 15% ranks in the top 48%; revenue growth of 40.5% a year over the last 3 filed years ranks in the top 2% (its annual reports).

What it rests on

  • revenue against the family$336Mtop 11% of its family
  • net margin15.0%top 48% of its family
  • three-year revenue growth40.5%top 2% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate
4.3/10

What are the people in charge doing?

SI estimate 4.3/10, confidence 35 of 100 (one part).

weight 22% of this tense · 43rd percentile among 22 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate
Read from one part only, officer and director changes on Form 8-K over three years, against the people in charge, which ranks in the bottom 43% of 22 in its family; the record of its people begins on 2023-12-27 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 2.9 years and cannot see past it; a floor under five years is not read as years in charge.
What the record cannot read
The record of its people begins on 2023-12-27 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 2.9 years and cannot see past it; a floor under five years is not read as years in charge.
How it was reasoned
one part: officer and director changes on Form 8-K, against the people in charge, the one part on file, ranked among 22 in its family.
Confidence
35 of 100
What would change it
A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: NB Bancorp, Inc.'s leadership is put at 4.3 of 10 with a confidence of 35 of 100, because read from one part only, officer and director changes on Form 8-K over three years, against the people in charge, which ranks in the bottom 43% of 22 in its family; the record of its people begins on 2023-12-27 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 2.9 years and cannot see past it; a floor under five years is not read as years in charge. A filing that carries the missing parts replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

5.2/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed
5.8/10

How much room does it have to grow?

top 42% of 19 in its family for room to expand.

weight 33% of this tense · 58th percentile among 19 sector filers · read for itself

From the record

NB Bancorp, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $408 million against no long-term debt tagged leaves 5.8% of its assets as net cash, top 27% of its family; cash from operations less capital spending is 17.1% of revenue (bottom 43%) (its annual report).

What it rests on

  • cash less debt against assets5.8%top 27% of its family
  • cash from operations less capital spending against revenue17.1%bottom 43% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
4.5/10

What could actually drive growth from here?

bottom 45% of 19 in its family for growth drivers.

weight 33% of this tense · 45th percentile among 19 sector filers · read for its customers

From the record

NB Bancorp, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 40.5% a year over the last three filed years against 40.5% over all 4, speeding up (bottom 39% of its family); the newest year grew 14.8% (top 24%); capital spending grew -26.2% a year (bottom 19%) (its annual reports). NB Bancorp, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

  • three-year growth against the whole span+0.0 points a yearbottom 39% of its family
  • the newest year's revenue growth14.8%top 24% of its family
  • three-year growth of capital spending-26.2%bottom 19% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
5.4/10

Did its newest year beat what its own record pointed to?

top 46% of 17 in its family for expectations against reality.

weight 33% of this tense · 54th percentile among 17 sector filers · read for its shareholders

From the record

NB Bancorp, Inc.'s newest year against its own record: revenue of $336 million in fiscal 2025 came in 26.2% below the $455 million its prior three years' pace pointed to (bottom 15% of its family); net income of $50 million against a prior three-year average of $27 million (top 21%); a net margin of 15% against 14.6% before (top 32%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace-26.2%bottom 15% of its family
  • net income against the prior three years' average+84%top 21% of its family
  • net margin against its prior average+0.4 pointstop 32% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton NBBK · research, not advice