NBBK
NB Bancorp, Inc.21.10
+0.09+0.43%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
965.76MP/E (TTM)
13.70Basic EPS (TTM)
1.54Dividend Yield
0%Recent Filings
8-K
NB Bancorp closes Provident deal
NB Bancorp completed its acquisition of Provident Bancorp and BankProv on November 15, 2025, issuing ~5.9 million Needham shares for 50% of shares and $13 cash per share for the rest, funded by cash on hand. Pro forma shares hit 45.8 million. Joseph Reilly, ex-Provident CEO, joins as director through 2026. Integration risks loom.
8-K
Merger closes November 15
NB Bancorp seals its merger with Provident Bancorp, effective just after midnight November 15, 2025, after satisfying all closing conditions. BankProv folds into Needham Bank, with systems conversion over the November 15 weekend; Joseph B. Reilly joins the board. Provident stock trading ends November 14. Integration risks loom large.
8-K
Merger proration finalized
NB Bancorp's merger with Provident Bancorp closes November 15, 2025, issuing ~5.9M Needham shares for 50% of Provident stock at 0.691x ratio, with $13 cash for the rest funded by cash on hand. Proration hit after heavy cash elections: 75% opted in, but only half get it. Pro forma shares hit 45.8M. Integration risks loom large.
10-Q
Q3 FY2025 results
NB Bancorp posted solid Q3 2025 results, with net interest income climbing 16.6% year-over-year to $48.2M on stronger loan interest, while total deposits surged 9.3% to $4.6B since year-end. Net income doubled to $15.4M, or $0.43 diluted EPS, from $8.4M last year, aided by lower provisions for credit losses at $1.4M versus $2.6M. Operating cash flow hit $61.2M for the nine months, funding loan growth to $4.7B net, yet FHLB borrowings dropped to $41.5M. The pending Provident Bancorp merger, valued at $211.8M and set for Q4 close, eyes expansion in eastern Massachusetts. Share repurchases trimmed outstanding shares to 39.8M. Regulatory oversight from the Federal Reserve and FDIC adds compliance layers.
8-K
Q3 earnings, loan growth
NB Bancorp presented Q3 2025 highlights at the KBW Investor Conference on November 4, showing $15.4M GAAP net income and $16.0M operating net income, with gross loans up 3.9% to $4.72B and core deposits rising 4.1% to $4.18B. NIM slipped to 3.78% from loan repricing, yet asset quality held firm at 0.24% non-performing loans. BankProv acquisition costs integration risks.
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