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NB Bancorp cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$67.2M in Q3 2026 · $121M over twelve months

Operating cash flow$70.2M
Capital spending−$3.0M
Free cash flow+$67.2M
Cash / net income3.0×

Analysis

In Q3 2026, NB Bancorp generated $70.2M of operating cash flow and spent $3.0M on capital projects, leaving free cash flow of $67.2M. That is $43.3M more than in Q3 2025 ($23.9M).

Over the twelve months to Sep 30, 2026, operating cash flow was $131M; the largest uses were other investing ($993M), buybacks ($46.3M), dividends ($12.1M); besides operations, cash came from other financing ($900M); the cash balance fell by $29.6M.

Operating cash flow was $70.2M against net income of $23.1M — 3.0× profit, cash ran ahead of reported earnings. The largest differences: accrued liabilities +$50.4M, deferred taxes −$10.2M, prepaid and other assets −$6.9M.

Free cash flow

NB Bancorp: free cash flow by quarterNB Bancorp: free cash flow by quarter$20.7MQ4 2024$9.8MQ1 2025$26.1MQ2 2025$23.9MQ3 2025−$2.5MQ4 2025$25.3MQ1 2026$31.3MQ2 2026$67.2MQ3 2026
Operating cash flow less capital spending.
NB Bancorp: operating cash flow against capital spendingNB Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending$21.3M$558KQ4 2024$9.9M$108KQ1 2025$27.0M$949KQ2 2025$24.2M$304KQ3 2025−$440K$2.1MQ4 2025$27.3M$2.0MQ1 2026$34.2M$2.9MQ2 2026$70.2M$3.0MQ3 2026
Latest (Q3 2026): Operating cash flow $70.2M, Capital spending $3.0M.

Capital allocation, year by year

NB Bancorp: where the cash came from (up) and went (down), by fiscal yearNB Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowShares issuedCapital spendingAcquisitionsBuybacksDividendsFY2022: Operating cash flow $39.7MFY2022: Capital spending −$8.5M$39.7MFY2022FY2023: Operating cash flow $52.9MFY2023: Shares issued $417MFY2023: Capital spending −$2.9M$470MFY2023FY2024: Operating cash flow $43.2MFY2024: Capital spending −$1.9M$43.2MFY2024FY2025: Operating cash flow $60.8MFY2025: Capital spending −$3.4MFY2025: Acquisitions −$48.1MFY2025: Buybacks −$77.1MFY2025: Dividends −$5.6M$60.8MFY2025
Over these 4 years operating cash flow totalled $197M; the largest uses were buybacks ($77.1M) and acquisitions ($48.1M). Cash-flow statements as filed.

Where the cash came from and went

NB Bancorp: sources (+) and uses (−) of cash, Q3 2026NB Bancorp: sources (+) and uses (−) of cash, Q3 2026Other investing−$372MOther financing$174MCash drawn (+) / kept (−)$134MOperating cash flow$70.2MDividends−$3.0MCapital spending−$3.0M
NB Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026NB Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$993MOther financing$900MOperating cash flow$131MBuybacks−$46.3MCash drawn (+) / kept (−)$29.6MDividends−$12.1MCapital spending−$10.0M

From profit to cash

NB Bancorp: net income to operating cash flow, Q3 2026NB Bancorp: net income to operating cash flow, Q3 2026Net income$23.1MStock-based pay$1.7MDeferred taxes−$10.2MAccrued liabilities$50.4MPrepaid and other assets−$6.9MOperating cash flow$70.2M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsCash drawn (+) / kept (−)Free cash flow
Q3 2026$70.2M−$3.0M—−$3.0M$134M$67.2M
Q2 2026$34.2M−$2.9M−$18.5M−$3.1M−$24.5M$31.3M
Q1 2026$27.3M−$2.0M−$27.8M−$3.2M$32.2M$25.3M
Q4 2025−$440K−$2.1M—−$2.8M−$112M−$2.5M
Q3 2025$24.2M−$304K−$17.5M—−$36.7M$23.9M
Q2 2025$27.0M−$949K−$18.9M—$54.8M$26.1M
Q1 2025$9.9M−$108K−$40.7M—$50.4M$9.8M
Q4 2024$21.3M−$558K——−$46.8M$20.7M

NB Bancorp: income statement and cash flow

NB Bancorp, Q3 2026: revenue $76.5M (+48% year over year), operating margin 37.9%. The chart follows the revenue to costs, profit and cash.

NB Bancorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.