NB BANCORP INC (NBBK)
Financials · Regional commercial banking · NASDAQ
A regional commercial bank with ~$7.2B in assets focusing on commercial and residential lending in its core markets, pursuing growth through deposit gathering and acquisitions.
What NB BANCORP INC does
NB Bancorp, Inc. is a commercial bank holding company operating through its subsidiary Needham Bank, providing deposit products, commercial and residential lending, mortgage banking, and related financial services to customers in its market areas. The company generates revenue primarily through net interest income on loans and deposits, supplemented by noninterest income from customer service fees, mortgage banking, and BOLI (bank-owned life insurance). As of March 2026, the company had approximately $7.2 billion in total assets and $6.1 billion in deposits.
Themes: ["Community banking","Regional banking","Commercial lending","Residential mortgage lending","Deposit gathering and liability management","Interest rate risk management"]
Fundamentals
- Price$21.01 as of 2026-07-09 close
- Market cap$849M as of 2026-07-10
- 1-year return+7.5% as of 2026-07-09 close
- P/E16.14 as of 2026-07-10
- Net margin+14.4% as of 2026-07-10
- ROE+6.6% as of 2026-07-10
- Debt / equity7.46 as of 2026-07-10
- Revenue growth (YoY)+21.7% as of 2026-07-10
- Beta0.09 as of 2026-07-10
Dividend: yield +1.4%; pays a dividend.
Key risks (from latest filing)
["Credit risk: Higher than expected loan defaults and charge-offs due to economic deterioration, with provision for credit losses increasing 447% YoY in Q1 2026","Interest rate and liquidity risk: Rising deposit costs ($39.6M in Q1 2026 vs. $32.2M prior year) and exposure to interest rate changes reducing net interest margins and mortgage banking revenues","Integration and execution risk: Pending acquisition of Provident Bancorp and BankProv may face regulatory delays or failure to achieve anticipated synergies and expense reductions"]
Competitors & peers
- Brookline Bancorp (BRKL)
- Eastern Bank (private, but regional competitor)
- Cambridge Bancorp (CBRD)
- Banner Corporation (BANR)
- Berkshire Bank (private, but regional competitor)
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.