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NB Bancorp (NBBK) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 4, 2026 · NB Bancorp (NBBK) Q3 2026 earnings results →
Q3 2026 Revenue up 48% year over year to $76.5M · 30¢ of every $1 of revenue kept as net profit · operating margin 37.9%
NB Bancorp made $76.5M in Q3 2026 (+48% Y/Y): Net interest income $71.4M, Noninterest income $5.1M. Operating margin 37.9%, net earnings $23.1M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 4, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $76.5M in Q3 2026, up 48% year over year and up 2% from the previous quarter. Net interest income was the largest line at 93% of revenue. Net interest income added $23.3M year over year (up 48%), 94% of the total change.
Operating profit was $29.0M, a 37.9% margin (down 0.6 points year over year). Of the extra revenue versus a year earlier, 37% reached operating profit, below the 38% margin then. Total costs grew 49% against revenue growth of 48%. The fastest-growing cost line was Noninterest expense (+52%). Net earnings were $23.1M, up 51% year over year. The effective tax rate was 20.3%.
Operating cash flow was $70.2M (up 190% year over year), 303% of net earnings. Non-cash charges added back $1.7M of share-based compensation. Working capital and other items added $45.3M. Capital expenditures of $3.0M left free cash flow of $67.2M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 4, 2026 | $76.5M | +48% | 37.9% | $23.1M | $70.2M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About NB Bancorp
In this Annual Report on Form 10-K, the terms “we,” “our,” and “us” refer to NB Bancorp, Inc. and Needham Bank, unless the context indicates another meaning. In addition, we sometimes refer to NB Bancorp, Inc. as “NB Bancorp” or the “Company” and to Needham Bank as the “Bank.” Certain statements contained in this Annual Report on form 10-K, that are not historical facts, may be considered forward-looking statements, within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended (the “Exchange Act”) and are intended to be covered by the safe harbor provisions of the Private Securities Litigation Reform Act of 1995.
In its own words, from its 10-K, filed Mar 3, 2026.
NB Bancorp against its Savings Institutions, Not Federally Chartered peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +48% against the peers' median +8%. Operating margin: 37.9% against the peers' median 36.1%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| NBBK NB Bancorp | Q3 2026 | $76.5M | +48% | 37.9% |
| FLG Flagstar Bank, National Association | Q3 2026 | $530M | +2% | -1.9% |
| BBT Beacon Financial | Q2 2025 | $114M | +5% | 36.5% |
| HFWA Heritage Financial | Q3 2026 | $86.5M | +32% | 25.8% |
| TCBX Third Coast Bancshares | Q3 2026 | $65.9M | +21% | 36.1% |
| SMBC Southern Missouri Bancorp | Q1 FY27 | $53.1M | +8% | 44.4% |
| HBCP Home Bancorp | Q3 2026 | $40.1M | +6% | 31.8% |
| NARA Narragansett Bancorp | Q2 2026 | $35.3M | +6% | 11.2% |
| AVBC Avidia Bancorp | Q3 2026 | $31.2M | +11% | 37.1% |
Source: NB Bancorp 10-Q on SEC EDGAR · CIK 1979330 · Savings Institutions, Not Federally Chartered
Guidance and outlook
13F: who owns NBBK and who is buying
More on NBBK
History
Every quarter: Q3 2026 results