NB Bancorp, Inc.
NBBKNasdaqFinancials · Savings Institutions, Not Federally Chartered · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | |
|---|---|---|---|---|
| Revenue | — | — | — | — |
| Operating income | — | — | — | — |
| Net income | $50.3M | $42.1M | $9.8M | $30.1M |
| Total assets | $7.01B | $5.16B | $4.53B | $3.59B |
| Total liabilities | $6.15B | $4.39B | $3.78B | $3.25B |
| Equity | $858.9M | $765.2M | $758.0M | $344.1M |
| EPS (diluted) | $1.34 | $1.07 | $0.23 | — |
| Shares out. | 41.8M | 42.7M | 42.7M | 0 |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- —
- Return on equity
- 5.9%
- Return on assets
- 0.7%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 87.7%
- Debt / equity
- 7.16×
- Book value / share
- $20.53
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 19.3%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −0.1%clean
- Piotroski F-Score
- 4/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Pertento Partners LlpPassive (13G)May 15, 2026
- Vanguard Group IncPassive (13G)Mar 27, 2026
- Needham Bank Employee Stock Ownership Plan TrustPassive (13G)Feb 13, 2026
- Blackrock, Inc.Passive (13G)Oct 17, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Campanelli Joseph POfficer — President & CEO | May 15, 2026 | Buy | 500 | $19.16 |
| Campanelli Joseph POfficer — President & CEO | Apr 24, 2026 | Tax withholding | 24,371 | $19.82 |
| Darcey WilliamDirector | Apr 24, 2026 | Tax withholding | 4,918 | $19.82 |
| Jackson AngelaDirector | Apr 24, 2026 | Tax withholding | 4,918 | $19.82 |
| Whalen MarkDirector | Apr 24, 2026 | Tax withholding | 4,918 | $19.82 |
| Nolan Joseph R JrDirector | Apr 24, 2026 | Tax withholding | 4,918 | $19.82 |
| Montgomery Kenneth C.Director | Apr 24, 2026 | Tax withholding | 5,015 | $19.82 |
| Lynch Christopher R.Director | Apr 24, 2026 | Tax withholding | 4,150 | $19.82 |
| Roberts ChristineOfficer — SEVP and COO | Apr 24, 2026 | Tax withholding | 3,589 | $19.82 |
| Pascucci HopeDirector | Apr 24, 2026 | Buy | 10,000 | $19.44 |
| Schulman Matthew GOfficer — EVP, President Needham Prv Bnk | Mar 9, 2026 | Grant | 6,980 | $0.00 |
| Campanelli Joseph POfficer — President & CEO | Mar 19, 2026 | Buy | 2,500 | $20.16 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 1.8M | 5.8 | +3.6% |
| Apr 30, 2026 | 1.7M | 3.5 | -0.7% |
| Apr 15, 2026 | 1.7M | 7.6 | -4.1% |
| Mar 31, 2026 | 1.8M | 7.3 | +18.6% |
| Mar 13, 2026 | 1.5M | 4.5 | +15.4% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Other material eventMay 21, 2026
- Other material eventMay 13, 2026
- Shareholder voteApr 29, 2026
- Results of operations · Director / officer change · Other material eventApr 22, 2026
- Other material eventFeb 4, 2026
- Results of operations · Other material eventJan 22, 2026
- Completed an acquisition or disposition · Director / officer change · Regulation FD disclosureNov 17, 2025
- Other material eventNov 14, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- 8-KMay 21, 2026
- 4FORM 4May 18, 2026
- SCHEDULE 13G/AMay 15, 2026
- 4/AFORM 4/AMay 15, 2026
- 4/AFORM 4/AMay 15, 2026
- 4/AFORM 4/AMay 15, 2026
- 4/AFORM 4/AMay 15, 2026
- 4/AFORM 4/AMay 15, 2026
- 4/AFORM 4/AMay 15, 2026
- 8-KMay 13, 2026
- 10-QMay 8, 2026
- 8-KApr 29, 2026
- 4FORM 4Apr 27, 2026
- 4FORM 4Apr 27, 2026
- 4FORM 4Apr 27, 2026
Event-driven situations (1)
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