NB Bancorp Inc
NBBKFinancial·Banks - Regional·USA·Small·NASD·Nov 11 • 3:59 PM ET
22.13-0.06 (-0.27%)
2026-11-12 04:17 CET
Market cap
903.53 USD m
Revenue, TTM
- USD m
Net income, TTM
66.95 USD m
Free cash flow, TTM
121.31 USD m
EPS diluted, TTM
1.66
P/E
13.35
Price
NBBK against its 20, 50 and 200-day averages2050200beatmiss
5.7% under the 52-week high of 23.47 on 3 Aug 2026. 52-week low 18.11 on 19 Nov 2025. Last 15 sessions, 7.3% high to low
Volume 0.43× normal · the line is the 50-bar volume average
Profile
NBBK52-week range, 75% of the way up
18.1123.47
NB Bancorp, Inc. operates as a holding company whose subsidiary operates as a state-chartered bank. The company was founded in 1892 and is headquartered in Needham, MA.
| Index | RUT |
|---|---|
| Employees | 526 |
| IPO | Dec 28, 2023 |
| Beta | 0.02 |
| ATR, 14d | 0.58 |
| Rel volume | 0.43 |
| Short float | 4.21% |
| Insider own | 12.56% |
| Inst own | 57.20% |
Snapshot
6 groupsValuation
| Index | RUT |
|---|---|
| Market Cap | 903.53M |
| Enterprise Value | - |
| Income | 66.95M |
| Sales | 450.57M |
| Book/sh | 20.98 |
| Cash/sh | - |
| Dividend Est. | 0.17 (0.79%) |
| Dividend TTM | 0.35 (1.58%) |
| Dividend Ex-Date | Oct 29, 2026 |
| Dividend Gr. 3/5Y | - - |
| Payout | 10.47% |
| Employees | 526 |
| IPO | Dec 28, 2023 |
Ratios
| P/E | 13.35 |
|---|---|
| Forward P/E | 8.82 |
| PEG | 0.49 |
| P/S | 2.01 |
| P/B | 1.05 |
| P/C | - |
| P/FCF | 7.45 |
| EV/EBITDA | - |
| EV/Sales | - |
| Quick Ratio | - |
| Current Ratio | 13.13 |
| Debt/Eq | 0.18 |
| LT Debt/Eq | 0.18 |
| Option/Short | Yes / Yes |
Earnings
| EPS (ttm) | 1.66 |
|---|---|
| EPS next Y | 2.51 |
| EPS next Q | 0.58 |
| EPS this Y | 21.64% |
| EPS next Y | 20.67% |
| EPS next 5Y | 17.87% |
| EPS past 3/5Y | 15.33% 20.92% |
| Sales past 3/5Y | 39.46% 37.39% |
| EPS Y/Y TTM | 7.93% |
| Sales Y/Y TTM | 36.14% |
| EPS Q/Q | 34.48% |
| Sales Q/Q | 42.26% |
| Earnings | Oct 15 AMC |
| EPS/Sales Surpr. | 2.56% -0.98% |
Ownership
| Insider Own | 12.56% |
|---|---|
| Insider Trans | 0.06% |
| Inst Own | 57.20% |
| Inst Trans | -0.13% |
| ROA | 1.02% |
| ROE | 8.40% |
| ROIC | 6.64% |
| Gross Margin | - |
| Oper. Margin | 23.97% |
| Profit Margin | 14.86% |
| SMA20 | -1.13% |
| SMA50 | -1.66% |
| SMA200 | 2.59% |
| Trades | - |
Technical
| Shs Outstand | 40.87M |
|---|---|
| Shs Float | 35.70M |
| Short Float | 4.21% |
| Short Ratio | 5.36 |
| Short Interest | 1.50M |
| 52W High | 23.47 -5.71% |
| 52W Low | 18.11 22.20% |
| Volatility | 2.85% 2.77% |
| ATR (14) | 0.58 |
| RSI (14) | 46.28 |
| Beta | 0.02 |
| Rel Volume | 0.43 |
| Avg Volume | 280.48K |
| Volume | 120,109 |
Performance
| Perf Week | -2.60% |
|---|---|
| Perf Month | -0.41% |
| Perf Quarter | -3.32% |
| Perf Half Y | 12.22% |
| Perf YTD | 11.65% |
| Perf Year | 19.56% |
| Perf 3Y | - |
| Perf 5Y | - |
| Perf 10Y | - |
| Recom | 2.00 |
| Target Price | 25.00 |
| Prev Close | 22.19 |
| Price | 22.13 |
| Change % | -0.27% |
Analyst ratings
latest 1 of 1| Date | Action | Analyst | Rating change | Target | Implied |
|---|---|---|---|---|---|
| Apr 09, 2024 | Initiated | PPiper Sandler | Overweight | $17 | -23.2% |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| HIFS | Hingham Institution For Savings | 667.59M |
| BBT | Beacon Financial Corp | 2.58B |
| WASH | Washington Trust Bancorp Inc | 747.12M |
| EBC | Eastern Bankshares Inc | 5.16B |
| INDB | Independent Bank Corp | 3.92B |
| WNEB | Western New England Bancorp Inc | 270.89M |
| CAC | Camden National Corp | 1.00B |
| BHB | Bar Harbor Bankshares Inc | 696.29M |
| NBN | Northeast Bank | 1.10B |
| CNOB | ConnectOne Bancorp Inc | 1.65B |
Insider trading
10 filings| Insider | Relationship | Date | Transaction | Cost | Shares | Value | Total held | Form |
|---|---|---|---|---|---|---|---|---|
| CAMPANELLI JOSEPH P | President & CEO | Aug 20 '26 | Buy | 21.75 | 2,000 | 43,500 | 379,790 | Aug 21 04:57 PM |
| Lapointe Jean-Pierre | SEVP and CFO | Aug 20 '26 | Buy | 21.80 | 200 | 4,360 | 110,531 | Aug 21 04:05 PM |
| Henkin Kevin | EVP, Chief Credit Officer | Aug 14 '26 | Sale | 22.93 | 2,000 | 45,860 | 6,874 | Aug 18 04:05 PM |
| CAMPANELLI JOSEPH P | President & CEO | May 15 '26 | Buy | 19.18 | 3,000 | 57,547 | 377,790 | May 18 04:25 PM |
| CAMPANELLI JOSEPH P | President & CEO | Apr 24 '26 | Buy | 19.45 | 2,500 | 48,618 | 374,790 | Apr 27 02:51 PM |
| Pascucci Hope | Director | Apr 24 '26 | Buy | 19.46 | 20,000 | 389,281 | 142,402 | Apr 24 03:04 PM |
| CAMPANELLI JOSEPH P | President & CEO | Mar 19 '26 | Buy | 20.16 | 2,500 | 50,400 | 396,661 | Mar 19 04:38 PM |
| CAMPANELLI JOSEPH P | President & CEO | Mar 06 '26 | Buy | 20.77 | 5,000 | 103,870 | 47,000 | Mar 09 04:07 PM |
| Lapointe Jean-Pierre | SEVP and CFO | Mar 09 '26 | Buy | 20.42 | 1,000 | 20,420 | 110,331 | Mar 09 01:42 PM |
| EVANGELISTA PAUL A | EVP, Dir Spec. Bank. Ctr. | Dec 19 '25 | Buy | 20.87 | 2,000 | 41,743 | 26,566 | Dec 19 02:52 PM |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| VTI | Vanguard Morningstar Total Stock Market ETF | AUM: 687.42B |
| IWM | iShares Russell 2000 Index Fund | AUM: 77.38B |
| AVUV | Avantis U.S. Small Cap Value ETF | AUM: 32.39B |
| FESM | Fidelity Enhanced Small Cap Core ETF | AUM: 6.82B |
| VXF | Vanguard Extended Market Index ETF | AUM: 30.47B |
| KRE | State Street SPDR S&P Regional Banking ETF | AUM: 4.43B |
| IWN | iShares Russell 2000 Value ETF | AUM: 14.10B |
| DFSV | US Small Cap Value Portfolio ETF Class Shares | AUM: 8.52B |
| DFAS | U.S. Small Cap Portfolio-ETF Class Shares | AUM: 15.51B |
| VTWO | Vanguard Russell 2000 Index ETF | AUM: 16.75B |
News
latest 14 of 78- IPO Stock Of The Week: NB Bancorp Hits Early Buy Point Despite Weak Market Environment (Investor's Business Daily)
- NB Bancorp, Inc. Reports Third Quarter 2026 Financial Results, Declares Quarterly Cash Dividend (PR Newswire)
- IPO Stock Of The Week: Regional Banking Leader NB Bancorp Poised To Hit New Buy Point (Investor's Business Daily)
- IPO Stock Of The Week: Regional Banking Leader NB Bancorp Breaks Out Past Buy Point (Investor's Business Daily)
- NB Bancorp, Inc. Reports Second Quarter 2026 Financial Results, Declares Quarterly Cash Dividend (PR Newswire) +5.69%
- NB Bancorp, Inc. Reports First Quarter 2026 Financial Results, Declares Quarterly Cash Dividend (PR Newswire) -10.68%
- Are You Looking for a Top Momentum Pick? Why NB Bancorp, Inc. (NBBK) is a Great Choice (Quartz)
- NB Bancorp, Inc. (NBBK) Upgraded to Buy: Here's Why (Zacks)
- NB Bancorp, Inc. (NBBK) Tops Q4 Earnings Estimates (Zacks)
- NB Bancorp, Inc. Reports Fourth Quarter 2025 Financial Results, Declares Quarterly Cash Dividend, Announces Share Repurchase Plan (PR Newswire)
- Zacks.com featured highlights include NB Bancorp, Innovative Aerosystems and Capitol Federal (Zacks)
- New Analyst Coverage Puts 3 Stocks in Focus Amid Uncertainties (Zacks)
- NB Bancorp, Inc. and Provident Bancorp, Inc. Announce Closing of Merger (PR Newswire)
- NB Bancorp, Inc. and Provident Bancorp, Inc. Announce Final Proration of Merger Consideration (PR Newswire)
Quarterly earnings
actual against estimate| Period | Reported | EPS act | EPS est | EPS rep | Sales act | Sales est | Analysts |
|---|---|---|---|---|---|---|---|
| 2026Q3 | 2026-10-15 | 0.600 | 0.585 | 0.580 | 76.55 | 77.30 | 2 |
| 2026Q2 | 2026-07-22 | 0.530 | 0.475 | 0.528 | 74.70 | 72.74 | 2 |
| 2026Q1 | 2026-04-22 | 0.380 | 0.535 | 0.362 | 69.38 | 71.57 | 2 |
| 2025Q4 | 2026-01-22 | 0.510 | 0.450 | 0.187 | 87.94 | 75.75 | 2 |
| 2025Q3 | 2025-10-22 | 0.450 | 0.450 | 0.432 | 51.73 | - | 1 |
| 2025Q2 | 2025-07-23 | 0.400 | 0.350 | 0.388 | 51.19 | - | 1 |
| 2025Q1 | 2025-04-22 | 0.350 | 0.350 | 0.327 | 47.39 | - | 1 |
| 2024Q4 | 2025-01-22 | 0.340 | 0.340 | 0.397 | 46.30 | - | 1 |
| 2024Q3 | 2024-10-30 | 0.330 | 0.260 | 0.213 | 42.59 | - | 1 |
| 2024Q2 | 2024-07-25 | 0.240 | 0.240 | 0.241 | 41.70 | - | 1 |
| 2024Q1 | 2024-04-25 | 0.220 | 0.220 | 0.219 | 42.13 | - | 1 |
| 2026Q4 | - | - | 0.580 | - | - | 79.11 | 2 |
| 2027Q1 | - | - | 0.565 | - | - | 78.28 | 2 |
| 2027Q2 | - | - | 0.615 | - | - | 81.37 | 2 |
| 2027Q3 | - | - | 0.655 | - | - | 83.73 | 2 |
| 2027Q4 | - | - | 0.675 | - | - | 85.57 | 2 |
Annual earnings
| Period | EPS act | EPS est | EPS rep | Sales act | Sales est |
|---|---|---|---|---|---|
| 2023FY | 0.570 | - | 0.234 | - | - |
| 2024FY | 1.130 | 1.130 | 1.070 | 172.72 | - |
| 2025FY | 1.710 | 1.650 | 1.340 | 238.25 | 226.05 |
| 2026FY | - | 2.080 | - | - | 299.72 |
| 2027FY | - | 2.510 | - | - | 328.95 |
| 2028FY | - | 2.800 | - | - | 356.49 |
Estimate revisions
last 14 periods| Period | Type | Date | Estimates | Up | Down | Mean | Low | High |
|---|---|---|---|---|---|---|---|---|
| 2026Q4 | S | 2026-10-23 | 2 | 1 | 1 | 79.11 | 78.62 | 79.60 |
| 2026Q4 | S | 2026-10-16 | 2 | 1 | 0 | 79.55 | 79.51 | 79.60 |
| 2026Q4 | S | 2026-10-15 | 2 | 0 | 0 | 78.95 | 78.39 | 79.51 |
| 2026Q4 | S | 2026-10-07 | 2 | 0 | 0 | 78.95 | 78.39 | 79.51 |
| 2026Q4 | S | 2026-10-06 | 2 | 1 | 0 | 78.95 | 78.39 | 79.51 |
| 2026Q4 | S | 2026-07-24 | 2 | 2 | 0 | 78.95 | 78.39 | 79.51 |
| 2026Q4 | S | 2026-07-23 | 2 | 1 | 0 | 77.71 | 77.04 | 78.39 |
| 2026Q4 | S | 2026-07-07 | 2 | 0 | 0 | 76.46 | 75.88 | 77.04 |
| 2026Q4 | S | 2026-04-24 | 2 | 0 | 1 | 76.46 | 75.88 | 77.04 |
| 2026Q4 | S | 2026-04-23 | 2 | 0 | 1 | 76.12 | 75.88 | 76.37 |
| 2026Q4 | S | 2026-04-12 | 2 | 1 | 0 | 76.63 | 76.37 | 76.89 |
| 2026Q4 | S | 2026-04-01 | 2 | 2 | 0 | 76.63 | 76.37 | 76.89 |
| 2026Q4 | S | 2026-03-12 | 2 | 1 | 0 | 75.82 | 75.28 | 76.37 |
| 2026Q4 | S | 2026-01-27 | 1 | 1 | 0 | 76.37 | 76.37 | 76.37 |
Estimate history
| EPS, annual | 0.625 | 0.871 | 0.234 | 1.07 | 1.337 | 1.6578 | |||
|---|---|---|---|---|---|---|---|---|---|
| Period | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | |||
| EPS, quarterly | 0.213 | 0.397 | 0.327 | 0.388 | 0.432 | 0.187 | 0.362 | 0.528 | 0.581 |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
| Sales, annual | 98.791 | 129.768 | 237.517 | 304.048 | 351.948 | 450.57 | |||
| Period | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | |||
| Sales, quarterly | 77.274 | 80.981 | 80.712 | 84.026 | 85.239 | 101.764 | 110.199 | 117.351 | 121.261 |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
| Shares, annual | 34.5 | 34.5 | 41.706 | 39.46 | 42.695 | 40.871 | |||
| Period | 2021 | 2022 | 2023 | 2024 | 2025 | MRQ | |||
| Shares, quarterly | 42.706 | 39.46 | 40.57 | 37.587 | 36.709 | 42.695 | 41.562 | 40.828 | 40.871 |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
Income statement, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY |
|---|---|---|---|---|---|---|
| Interest Income | 431.00 | 335.75 | 292.52 | 222.16 | 120.51 | 90.64 |
| Total Interest Expense | 166.79 | 138.29 | 131.32 | 90.44 | 15.55 | 12.63 |
| Net Interest Income | 264.20 | 197.46 | 161.20 | 131.72 | 104.96 | 78.01 |
| Loan Loss Provision | 9.71 | 4.65 | 12.12 | 13.88 | 6.70 | 2.05 |
| Net Interest Income After Loan Loss Provision | 254.50 | 192.81 | 149.07 | 117.84 | 98.26 | 75.96 |
| Non-Interest Income | 19.58 | 16.20 | 11.53 | 15.35 | 9.26 | 8.15 |
| Non-Interest Expense | 166.06 | 120.61 | 101.99 | 121.34 | 71.13 | 56.98 |
| Operating Income | 108.02 | 88.40 | 58.62 | 11.84 | 36.39 | 27.14 |
| Unusual Expense | 16.27 | 17.27 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 91.75 | 71.13 | 58.62 | 11.84 | 36.39 | 27.63 |
| Income Taxes | 24.80 | 20.83 | 16.47 | 2.02 | 6.32 | 6.06 |
| Consolidated Net Income | 66.95 | 50.30 | 42.15 | 9.82 | 30.07 | 21.57 |
| Net Income From Continuing Operations | 66.95 | 50.30 | 42.15 | 9.82 | 30.07 | 21.57 |
| Net Income | 66.95 | 50.30 | 42.15 | 9.82 | 30.07 | 21.57 |
| EPS (Recurring) | 1.97 | 1.66 | 1.07 | 0.23 | 0.87 | 0.63 |
| EPS (Basic, Before Extraordinaries) | 1.67 | 1.34 | 1.07 | 0.23 | 0.87 | 0.63 |
| EPS (Diluted) | 1.66 | 1.34 | 1.07 | 0.23 | 0.87 | 0.63 |
| Non-Operating Income (Expense) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.50 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | 8.58 | 5.12 | - | - | - | - |
| Price To Earnings Ratio | 13.35 | 13.35 | 50.97 | - | - | - |
| Price To Sales Ratio | 1.96 | 2.12 | 2.34 | 2.38 | - | - |
| Operating Margin | 23.97 | 25.12 | 19.28 | 4.99 | 28.04 | 27.47 |
| Net Margin | 14.86 | 14.29 | 13.86 | 4.14 | 23.17 | 21.84 |
| Shares Outstanding | 40.87 | 42.70 | 39.46 | 41.71 | 34.50 | 34.50 |
| Market Capitalization | 903.53 | 903.53 | 771.26 | 479.49 | 479.49 | - |
Income statement, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 | 2024Q4 |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 116.16 | 111.79 | 105.69 | 97.36 | 81.69 | 79.85 | 76.85 | 77.20 |
| Total Interest Expense | 44.72 | 42.65 | 40.82 | 38.61 | 33.51 | 32.84 | 33.33 | 34.68 |
| Net Interest Income | 71.44 | 69.14 | 64.87 | 58.75 | 48.17 | 47.01 | 43.53 | 42.52 |
| Loan Loss Provision | 1.25 | 3.19 | 6.33 | -1.06 | 1.40 | 3.16 | 1.16 | 1.40 |
| Net Interest Income After Loan Loss Provision | 70.19 | 65.95 | 58.54 | 59.81 | 46.78 | 43.85 | 42.37 | 41.12 |
| Non-Interest Income | 5.10 | 5.56 | 4.51 | 4.40 | 3.55 | 4.18 | 3.86 | 3.78 |
| Non-Interest Expense | 46.28 | 44.02 | 42.17 | 33.59 | 29.37 | 28.77 | 28.66 | 25.62 |
| Operating Income | 29.02 | 27.49 | 20.89 | 30.62 | 20.96 | 19.25 | 17.57 | 19.27 |
| Unusual Expense | 0.00 | 0.00 | 0.53 | 15.74 | 0.99 | 0.53 | 0.00 | 0.00 |
| Net Income Before Taxes | 29.02 | 27.49 | 20.35 | 14.88 | 19.96 | 18.72 | 17.57 | 19.27 |
| Income Taxes | 5.88 | 6.37 | 5.37 | 7.17 | 4.60 | 4.14 | 4.91 | 3.66 |
| Consolidated Net Income | 23.13 | 21.12 | 14.98 | 7.71 | 15.36 | 14.58 | 12.65 | 15.61 |
| Net Income From Continuing Operations | 23.13 | 21.12 | 14.98 | 7.71 | 15.36 | 14.58 | 12.65 | 15.61 |
| Net Income | 23.13 | 21.12 | 14.98 | 7.71 | 15.36 | 14.58 | 12.65 | 15.61 |
| EPS (Recurring) | 0.58 | 0.53 | 0.37 | 0.45 | 0.45 | 0.40 | 0.33 | 0.40 |
| EPS (Basic, Before Extraordinaries) | 0.59 | 0.53 | 0.37 | 0.19 | 0.43 | 0.39 | 0.33 | 0.40 |
| EPS (Diluted) | 0.58 | 0.53 | 0.36 | 0.19 | 0.43 | 0.39 | 0.33 | 0.40 |
| Non-Operating Income (Expense) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | 1.66 | 1.87 | 1.84 | 3.21 | 1.46 | - | - | - |
| Price To Earnings Ratio | 13.35 | 15.43 | 15.80 | 12.84 | 13.32 | 15.16 | 16.88 | 50.97 |
| Price To Sales Ratio | 1.96 | 2.04 | 2.29 | 2.32 | 1.90 | 2.08 | 2.24 | 2.33 |
| Operating Margin | 23.93 | 23.43 | 18.95 | 30.09 | 24.58 | 22.91 | 21.77 | 23.80 |
| Net Margin | 19.08 | 18.00 | 13.60 | 7.57 | 18.02 | 17.35 | 15.68 | 19.28 |
| Shares Outstanding | 40.87 | 40.83 | 41.56 | 42.70 | 36.71 | 37.59 | 40.57 | 39.46 |
| Market Capitalization | 903.53 | 876.95 | 896.11 | 845.38 | 647.15 | 724.59 | 697.45 | 771.26 |
Balance sheet, annual
| Metric | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY |
|---|---|---|---|---|---|
| Cash & Due from Banks | 325.71 | 211.17 | 90.48 | 131.07 | 457.18 |
| Investments | 473.32 | 432.43 | 438.07 | 323.72 | 288.06 |
| Net Loans | 5,898.73 | 4,294.41 | 3,857.06 | 2,990.42 | 2,086.34 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Customer Liability on Acceptances | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 66.17 | 47.48 | 46.08 | 46.32 | 33.95 |
| Interest Receivables | 25.39 | 19.68 | 17.28 | 10.84 | 7.54 |
| Deferred Tax Assets | 57.23 | 33.03 | 24.10 | 11.39 | 6.37 |
| Other Intangible Assets | 167.98 | 122.27 | 65.29 | 67.85 | 38.80 |
| Total Assets | 7,014.53 | 5,160.47 | 4,538.36 | 3,592.34 | 2,922.67 |
| Total Deposits | 5,858.73 | 4,182.20 | 3,391.56 | 2,890.81 | 2,568.19 |
| Total Debt | 217.97 | 134.03 | 294.11 | 304.13 | 5.06 |
| Long Term Debt | 216.21 | 32.90 | 11.61 | 10.30 | 4.90 |
| Provision for Risks Charges | 3.33 | 3.20 | 6.01 | 0.00 | 0.00 |
| Deferred Tax Liabilities | 8.40 | 2.73 | 4.97 | - | - |
| Other Liabilities | 67.17 | 73.14 | 83.75 | 53.33 | 23.29 |
| Total Liabilities | 6,155.60 | 4,395.30 | 3,780.41 | 3,248.27 | 2,596.54 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 858.93 | 765.17 | 757.96 | 344.06 | 326.13 |
| Total Shareholders Equity | 858.93 | 765.17 | 757.96 | 344.06 | 326.13 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 858.93 | 765.17 | 757.96 | 344.06 | 326.13 |
| Total Liabilities & Stockholders Equity | 7,014.53 | 5,160.47 | 4,538.36 | 3,592.34 | 2,922.67 |
| Book Value Per Share | 20.12 | 19.39 | 18.17 | 9.97 | 9.45 |
| Tangible Book Value Per Share | 19.23 | 19.39 | 18.17 | 9.97 | 9.45 |
| Full-Time Employees | 526 | 376 | 342 | 307 | 257 |
| Price to Book Ratio | 1.05 | 1.03 | 1.34 | 1.34 | - |
| Return on Assets | 0.83 | 0.87 | 0.24 | 0.92 | - |
| Return on Equity | 6.19 | 5.53 | 1.78 | 8.97 | - |
| Return on Invested Capital | 4.68 | 5.28 | 1.28 | 8.48 | 6.52 |
| Current Ratio | 0.09 | 0.09 | 0.14 | 0.06 | 0.20 |
Cash flow, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY |
|---|---|---|---|---|---|---|
| Funds from Operations | 104.50 | 68.94 | 60.06 | 21.65 | 38.81 | 26.81 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | 26.76 | -8.15 | -16.88 | 31.25 | 0.86 | 15.79 |
| Cash from Operating Activities | 131.26 | 60.79 | 43.19 | 52.90 | 39.67 | 42.60 |
| Capital Expenditures | -29.95 | -3.42 | -51.94 | -2.87 | -30.70 | -23.44 |
| Net Assets From Acquisitions | -48.12 | -48.12 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | 0.00 | 0.00 | 0.00 | 0.00 | 297.67 | 0.92 |
| Purchase or Sale of Investments | -27.68 | -12.71 | -31.20 | 53.28 | -9.76 | -107.55 |
| Purchase of Investments | -143.34 | -104.15 | -142.99 | -50.31 | -180.36 | -180.44 |
| Sale Or Maturity of Investments | 115.65 | 91.44 | 111.78 | 103.58 | 170.59 | 72.89 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 28.78 | 48.89 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | -1,002.70 | -519.05 | -546.44 | -831.62 | -667.95 | -40.69 |
| Cash Dividends Paid | -12.14 | -5.58 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | -46.26 | -77.12 | -33.62 | 403.68 | 0.00 | 0.00 |
| Repurchase of Common Pref Stock | -46.26 | -77.12 | -33.40 | -13.77 | 0.00 | 0.00 |
| Sale of Common Pref Stock | 0.00 | 0.00 | -0.23 | 417.46 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | 0.00 | 0.00 | -0.23 | 417.46 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | 0.00 | 44.58 | -162.50 | -9.74 | 317.77 | 242.43 |
| Change in Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 317.77 | 242.43 |
| Issuance of Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 317.77 | 362.54 |
| Reduction of Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -120.11 |
| Net Financing Active Other Cash Flow | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | 0.00 | 0.00 | 0.00 | 0.00 | - | - |
| Cash from Financing Activities | 841.86 | 502.00 | 594.52 | 894.77 | 317.77 | 242.43 |
| Net Change in Cash | -29.58 | 43.74 | 91.26 | 116.05 | -310.50 | 244.33 |
| Free Cash Flow | 121.31 | 57.38 | 41.25 | 50.03 | 31.17 | 40.79 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Price to Free Cash Flow | 8.07 | 14.40 | 17.25 | 11.30 | - | - |
| Federal Home Loan Advances Increase (Decrease) | - | 2.26 | 0.62 | 0.92 | -11.40 | 4.41 |
Balance sheet, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Cash & Due from Banks | 238.50 | 372.52 | 327.74 | 325.71 | 197.55 | 157.11 |
| Investments | 442.86 | 421.82 | 450.11 | 473.32 | 396.15 | 396.74 |
| Net Loans | 6,687.55 | 6,340.81 | 6,129.72 | 5,898.73 | 4,673.08 | 4,498.57 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 51.11 | 49.30 | 47.34 | 66.17 | 33.84 | 34.29 |
| Interest Receivables | 29.97 | 28.90 | 27.15 | 25.39 | 21.07 | 20.39 |
| Deferred Tax Assets | 62.35 | 50.50 | 49.67 | 57.23 | 28.64 | 29.64 |
| Other Intangible Assets | 171.66 | 183.04 | 194.72 | 167.98 | 92.05 | 89.81 |
| Total Assets | 7,684.00 | 7,446.88 | 7,226.44 | 7,014.53 | 5,442.39 | 5,226.55 |
| Total Deposits | 6,526.31 | 6,324.51 | 6,101.85 | 5,858.73 | 4,570.21 | 4,272.17 |
| Total Debt | 150.32 | 181.25 | 189.70 | 217.97 | 41.45 | 127.60 |
| Long Term Debt | 150.32 | 181.25 | 189.70 | 216.21 | 41.45 | 127.60 |
| Provision for Risks Charges | 3.30 | 3.50 | 3.30 | 3.33 | 2.70 | 0.00 |
| Deferred Tax Liabilities | - | - | - | 8.40 | - | - |
| Other Liabilities | 146.66 | 95.62 | 88.81 | 67.17 | 91.00 | 89.66 |
| Total Liabilities | 6,826.59 | 6,604.88 | 6,383.66 | 6,155.60 | 4,705.36 | 4,489.43 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 857.40 | 842.00 | 842.78 | 858.93 | 737.03 | 737.12 |
| Total Shareholders Equity | 857.40 | 842.00 | 842.78 | 858.93 | 737.03 | 737.12 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 857.40 | 842.00 | 842.78 | 858.93 | 737.03 | 737.12 |
| Total Liabilities & Stockholders Equity | 7,684.00 | 7,446.88 | 7,226.44 | 7,014.53 | 5,442.39 | 5,226.55 |
| Book Value Per Share | 20.98 | 20.62 | 20.28 | 20.12 | 20.08 | 19.61 |
| Tangible Book Value Per Share | 20.17 | 19.74 | 19.39 | 19.23 | 20.08 | 19.61 |
| Full-Time Employees | - | - | - | 526 | - | - |
| Price to Book Ratio | 1.05 | 1.04 | 1.05 | 0.99 | 0.90 | 0.98 |
| Return on Assets | 1.02 | 0.93 | 0.84 | 0.83 | 1.11 | 1.02 |
| Return on Equity | 8.40 | 7.49 | 6.65 | 6.19 | 7.84 | 6.92 |
| Return on Invested Capital | 2.30 | 2.06 | 1.45 | 0.72 | 1.97 | 1.69 |
| Current Ratio | 13.13 | 19.89 | 19.05 | 0.09 | 15.39 | 13.02 |
Cash flow, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Funds from Operations | 26.84 | 33.19 | 30.81 | 13.66 | 19.92 | 19.74 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | 43.36 | 0.99 | -3.48 | -14.11 | 4.32 | 7.30 |
| Cash from Operating Activities | 70.19 | 34.18 | 27.33 | -0.44 | 24.25 | 27.04 |
| Capital Expenditures | -2.98 | -2.90 | -22.03 | -2.06 | -0.30 | -0.95 |
| Net Assets From Acquisitions | 0.00 | 0.00 | 0.00 | -48.12 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchase or Sale of Investments | -18.97 | 2.86 | -16.56 | 4.98 | -1.98 | -11.14 |
| Purchase of Investments | -39.87 | -23.98 | -41.07 | -38.42 | -34.15 | -18.43 |
| Sale Or Maturity of Investments | 20.90 | 26.84 | 24.51 | 43.41 | 32.16 | 7.29 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 0.00 | 14.18 | 14.60 | 0.00 | 0.00 | 48.76 |
| Cash from Investing Activities | -374.92 | -201.96 | -265.19 | -160.63 | -179.14 | -40.74 |
| Cash Dividends Paid | -3.02 | -3.13 | -3.21 | -2.79 | -2.79 | 0.00 |
| Preferred Dividends (Cash Flow) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | 0.00 | -18.50 | -27.76 | 0.00 | -17.53 | -18.90 |
| Repurchase of Common Pref Stock | 0.00 | -18.50 | -27.76 | 0.00 | -17.53 | -18.90 |
| Sale of Common Pref Stock | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | -28.15 | -8.45 | -6.53 | 123.96 | -86.15 | 36.77 |
| Change in Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance of Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Reduction of Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Financing Active Other Cash Flow | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Financing Activities | 170.63 | 192.32 | 205.62 | 273.29 | 191.57 | -41.04 |
| Net Change in Cash | -134.10 | 24.54 | -32.24 | 112.22 | 36.68 | -54.75 |
| Free Cash Flow | 67.22 | 31.28 | 25.30 | -2.50 | 23.94 | 26.09 |
| Price to Free Cash Flow | 8.07 | 12.78 | 13.62 | 15.75 | 8.16 | 10.29 |
Revenue breakdown
| Savings Institutions, Not Federally Chartered | 2024: 173.76M 2025: 213.66M |
|---|---|
| United States | 2024: 173.76M 2025: 213.66M |
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 4.21% | 1.5M | 35.7M | 292.38K |
| 2026-10-15 | 5.23% | 1.9M | 35.7M | 304.27K |
| 2026-09-30 | 5.06% | 1.8M | 35.7M | 304.53K |
| 2026-09-15 | 4.72% | 1.7M | 35.7M | 314.49K |
| 2026-08-31 | 4.06% | 1.4M | 35.7M | 300.75K |
| 2026-08-14 | 4.47% | 1.6M | 35.8M | 279.20K |
| 2026-07-31 | 4.58% | 1.7M | 36.4M | 279.51K |
| 2026-07-15 | 5.04% | 1.8M | 36.4M | 291.74K |
| 2026-06-30 | 4.74% | 1.7M | 36.4M | 296.17K |
| 2026-06-15 | 4.81% | 1.7M | 36.4M | 279.28K |
| 2026-05-29 | 4.79% | 1.7M | 36.5M | 305.42K |
| 2026-05-15 | 4.83% | 1.8M | 36.5M | 333.09K |
| 2026-04-30 | 4.59% | 1.7M | 37.0M | 339.80K |
| 2026-04-15 | 4.63% | 1.7M | 37.0M | 331.75K |
| 2026-03-31 | 4.85% | 1.8M | 36.8M | 325.17K |
| 2026-03-13 | 4.09% | 1.5M | 36.8M | 317.64K |
| 2026-02-27 | 3.53% | 1.3M | 36.9M | 295.54K |
| 2026-02-13 | 3.85% | 1.4M | 36.9M | 317.22K |
| 2026-01-30 | 4.10% | 1.5M | 36.9M | 309.56K |
| 2026-01-15 | 3.98% | 1.5M | 36.9M | 271.89K |
Option chain
expiry 2026-11-20| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| call | 10.00 | 10.90 | 13.20 | 0.00 | 5.351 | 0.00 | 0.00 | 0.986 | -0.018 | 0.001 |
| call | 12.50 | 8.80 | 11.80 | 9.40 | 5.665 | 0.00 | 0.00 | 0.981 | -0.018 | 0.002 |
| call | 15.00 | 6.30 | 8.90 | 0.00 | 3.973 | 0.00 | 0.00 | 0.974 | -0.017 | 0.002 |
| call | 17.50 | 3.80 | 6.80 | 4.27 | 3.359 | 20.00 | 0.00 | 0.961 | -0.016 | 0.003 |
| call | 20.00 | 0.80 | 4.20 | 2.52 | 2.315 | 89.00 | 0.00 | 0.734 | -0.081 | 0.011 |
| call | 22.50 | 0.00 | 0.35 | 0.65 | 0.366 | 50.00 | 0.00 | 0.402 | -0.028 | 0.013 |
| call | 25.00 | 0.00 | 0.75 | 0.13 | 0.898 | 7.00 | 0.00 | 0.213 | -0.051 | 0.010 |
| call | 30.00 | 0.00 | 0.75 | 0.05 | 1.608 | 1.00 | 0.00 | 0.138 | -0.069 | 0.008 |
| put | 10.00 | 0.00 | 0.75 | 0.00 | 2.560 | 0.00 | 0.00 | -0.014 | -0.018 | 0.001 |
| put | 12.50 | 0.00 | 0.75 | 0.00 | 1.905 | 0.00 | 0.00 | -0.019 | -0.017 | 0.002 |
| put | 15.00 | 0.00 | 0.75 | 0.00 | 1.364 | 0.00 | 0.00 | -0.026 | -0.016 | 0.002 |
| put | 17.50 | 0.00 | 0.05 | 0.05 | 1.334 | 25.00 | 0.00 | -0.115 | -0.048 | 0.007 |
| put | 20.00 | 0.00 | 0.75 | 0.05 | 1.226 | 100 | 0.00 | -0.266 | -0.079 | 0.011 |
| put | 22.50 | 0.40 | 0.70 | 1.10 | 0.365 | 446 | 0.00 | -0.598 | -0.026 | 0.013 |
| put | 25.00 | 0.75 | 3.70 | 2.30 | 1.340 | 200 | 0.00 | -0.787 | -0.049 | 0.010 |
| put | 30.00 | 6.30 | 8.70 | 0.00 | 2.159 | 0.00 | 0.00 | -0.862 | -0.067 | 0.008 |
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-11-06 | 8-K | Current report | 2026-11-06 | SEC |
| 2026-11-04 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-09-30 | SEC |
| 2026-10-15 | 8-K | Current report | 2026-10-15 | SEC |
| 2026-08-21 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-20 | SEC |
| 2026-08-21 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-20 | SEC |
| 2026-08-18 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-14 | SEC |
| 2026-08-07 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-06-30 | SEC |
| 2026-07-22 | 8-K | Current report | 2026-07-22 | SEC |
| 2026-06-25 | 11-K | Annual reports of employee stock purchase, savings and similar plans pursuant to Section 15(d) | 2025-12-31 | SEC |
| 2026-05-21 | 8-K | Current report | 2026-05-21 | SEC |
| 2026-05-18 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-15 | SEC |
| 2026-05-15 | 4/A | 2026-04-24 | SEC | |
| 2026-05-15 | 4/A | 2026-04-24 | SEC | |
| 2026-05-15 | 4/A | 2026-04-24 | SEC | |
| 2026-05-15 | 4/A | 2026-04-24 | SEC | |
| 2026-05-15 | 4/A | 2026-04-24 | SEC | |
| 2026-05-15 | 4/A | 2026-04-24 | SEC | |
| 2026-05-15 | SCHEDULE 13G/A | SEC | ||
| 2026-05-13 | 8-K | Current report | 2026-05-12 | SEC |
| 2026-05-08 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-03-31 | SEC |
| 2026-04-29 | 8-K | Current report | 2026-04-29 | SEC |
| 2026-04-27 | 4 | Statement of changes in beneficial ownership of securities | 2026-04-24 | SEC |
| 2026-04-27 | 4 | Statement of changes in beneficial ownership of securities | 2026-04-24 | SEC |
| 2026-04-27 | 4 | Statement of changes in beneficial ownership of securities | 2026-04-24 | SEC |
| 2026-04-27 | 4 | Statement of changes in beneficial ownership of securities | 2026-04-24 | SEC |
| 2026-04-27 | 4 | Statement of changes in beneficial ownership of securities | 2026-04-24 | SEC |
| 2026-04-27 | 4 | Statement of changes in beneficial ownership of securities | 2026-04-24 | SEC |
| 2026-04-27 | 4 | Statement of changes in beneficial ownership of securities | 2026-04-24 | SEC |
| 2026-04-27 | 4 | Statement of changes in beneficial ownership of securities | 2026-04-24 | SEC |
| 2026-04-24 | 4 | Statement of changes in beneficial ownership of securities | 2026-04-24 | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 0 | 0 |
| 2026-10 | 0 | 0 | 0 | 0 |
| 2026-09 | 0 | 0 | 0 | 0 |
| 2026-08 | 47.86K | 2 | 45.86K | 1 |
| 2026-07 | 0 | 0 | 0 | 0 |
| 2026-06 | 0 | 0 | 0 | 0 |
| 2026-05 | 57.55K | 1 | 0 | 0 |
| 2026-04 | 437.90K | 2 | 0 | 0 |
| 2026-03 | 174.69K | 3 | 0 | 0 |
| 2026-02 | 0 | 0 | 0 | 0 |
| 2026-01 | 0 | 0 | 0 | 0 |
| 2025-12 | 41.74K | 1 | 0 | 0 |
| 2025-11 | 0 | 0 | 0 | 0 |
Institutional holders
| Manager | % owned |
|---|---|
| BlackRock, Inc. | 8.03% |
| VANGUARD CAPITAL MANAGEMENT LLC | 4.03% |
| AltraVue Capital, LLC | 3.99% |
| Pertento Partners LLP | 3.56% |
| STATE STREET CORP | 3.55% |
| GEODE CAPITAL MANAGEMENT, LLC | 2.82% |
| DIMENSIONAL FUND ADVISORS LP | 2.48% |
| FMR LLC | 1.40% |
| GOLDMAN SACHS GROUP INC | 1.38% |
| Tieton Capital Management, LLC | 1.33% |
Funds
| Fund | % owned |
|---|---|
| VANGUARD TOTAL STOCK MARKET INDEX FUND | 2.87% |
| iShares Russell 2000 ETF | 2.58% |
| State Street(R) SPDR(R) S&P(R) Regional Banking ETF | 1.08% |
| Fidelity Small Cap Index Fund | 1.07% |
| VANGUARD EXTENDED MARKET INDEX FUND | 1.06% |
| College Retirement Equities Fund - Total Global Stock Account | 1.06% |
| iShares Russell 2000 Value ETF | 0.95% |
| Fidelity Enhanced Small Cap Core ETF | 0.91% |
| Avantis U.S. Small Cap Value ETF | 0.75% |
| VANGUARD RUSSELL 2000 INDEX FUND | 0.57% |
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