NB Bancorp (NBBK) Cash Flow: Operating & Free Cash Flow

NB Bancorp (NBBK) Cash Flow Statement

In fiscal 2025 (fiscal year ended Dec 31, 2025), NB Bancorp generated $60.79M of operating cash flow and spent $3.42M on capital expenditures. That left free cash flow of $57.38M, up 39.1% from $41.25M a year earlier, or 27.5% of revenue. It returned $82.70M to shareholders through $5.58M in dividends and $77.13M in share buybacks.

NB Bancorp Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities for NB Bancorp, Inc. (NBBK) - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Operating Activities
Net Income	50.30	42.15	9.83	30.07	21.58	-
Depreciation & Amortization	3.60	2.96	2.83	2.47	2.10	-
Deferred Income Tax	3.33	-10.26	-7.72	-1.25	0.53	-
Stock Based Compensation	6.48	2.80	0.00	0.00	0.00	-
Change in Working Capital	-8.15	-16.88	31.25	0.86	15.79	-
Change in Accounts Receivable	-1.14	-2.40	-6.46	-3.30	1.02	-
Change in Accounts Payable	0.00	0.00	0.00	-4.15	0.00	-
Change in Other Working Capital	-0.96	-14.47	37.71	-20.25	14.76	-
Other Operating Activities	-0.96	22.41	16.72	-0.43	3.85	-
Net Cash from Operating Activities	60.79	43.19	52.90	39.71	43.84	-
Investing Activities
Capital Expenditures	-3.42	-1.94	-2.87	-8.50	-1.81	-
Acquisitions	-48.12	0.00	0.00	297.67	0.00	-
Purchases of Investments	-104.15	-142.99	-50.31	-191.76	-180.44	-
Sales/Maturities of Investments	91.44	111.78	103.59	170.60	72.89	-
Other Investing Activities	48.51	-513.31	-882.04	258.00	67.42	-
Net Cash from Investing Activities	-519.05	-546.44	-831.62	-667.99	-41.94	-
Financing Activities
Debt Repayment	44.58	-162.50	-9.74	292.83	-120.11	-
Common Stock Issued	0.00	-0.23	417.46	0.00	0.00	-
Common Stock Repurchased	-77.13	-33.40	-13.77	0.00	0.00	-
Dividends Paid	-5.58	0.00	0.00	0.00	0.00	-
Other Financing Activities	0.00	790.65	500.83	0.41	362.54	-
Net Cash from Financing Activities	502.00	594.52	894.77	317.77	242.43	-
Summary
Net Change in Cash	43.74	91.26	116.05	-310.51	244.33	-
Cash at Beginning of Period	363.86	272.59	156.55	467.05	222.72	-
Cash at End of Period	407.60	363.86	272.59	156.55	467.05	-
Free Cash Flow	57.38	41.25	50.03	31.22	42.04	-
Supplemental Disclosures
Interest Paid	-	128.35	88.75	6.59	13.16	-
Income Taxes Paid	-	13.09	4.79	8.56	5.63	-

Source: Company financial statements from annual and quarterly filings. Data as of Sep 30, 2026. Data sources and methodology

Frequently Asked Questions About NB Bancorp Cash Flow

What is NB Bancorp's free cash flow?

NB Bancorp generated free cash flow of $57.38M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $60.79M minus $3.42M of capital expenditures. That was up 39.1% from $41.25M a year earlier. Free cash flow equaled 27.5% of revenue.

How much does NB Bancorp spend on capital expenditures?

NB Bancorp spent $3.42M on capital expenditures in fiscal 2025, compared with $1.94M a year earlier. That equals 5.6% of operating cash flow.

Does NB Bancorp pay dividends or buy back shares?

Yes. In fiscal 2025 NB Bancorp returned $5.58M in dividends and $77.13M in share buybacks to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition