Filing Flows › NB Bancorp (NBBK) › Q3 2026
NB Bancorp (NBBK) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 4, 2026
NB Bancorp (NBBK) reported revenue of $76.5M for the third quarter 2026 (Q3 2026), +48% from a year earlier and +2% from the quarter before. Operating margin was 37.9%, net earnings $23.1M (30.2% of revenue).
NB Bancorp, Q3 2026: revenue $76.5M (+48% year over year), operating margin 37.9%, net earnings $23.1M, operating cash flow $70.2M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $76.5M | +2% | +48% |
| Operating profit | $29.0M | +6% | +45% |
| Net earnings | $23.1M | +10% | +51% |
| Operating cash flow | $70.2M | +105% | +190% |
| Free cash flow | $67.2M | +115% | +181% |
What changed
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.
Questions
What was NB Bancorp's revenue in the third quarter 2026?
NB Bancorp (NBBK) reported revenue of $76.5M for the third quarter 2026 (Q3 2026), +48% from a year earlier and +2% from the quarter before.
Was NB Bancorp profitable in the third quarter 2026?
Operating profit was $29.0M (37.9% of revenue) and net earnings $23.1M.
Source: NB Bancorp 10-Q on SEC EDGAR.