NB Bancorp, Inc. (NBBK)

NB Bancorp Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	-	9.83	30.07	21.58
Depreciation & Amortization	-	2.83	2.47	2.1
Other Amortization	-	4.42	2.52	-
Gain (Loss) on Sale of Assets	-	-	-	-0.5
Gain (Loss) on Sale of Investments	-	-0.24	0.07	-0.38
Provision for Credit Losses	-	14.05	7.2	5.49
Net Decrease (Increase) in Loans Originated / Sold - Operating	-	0.01	0.05	1.25
Accrued Interest Receivable	-	-6.45	-3.3	1.02
Change in Income Taxes	-	4.13	-4.15	-0.21
Change in Other Net Operating Assets	-	33.63	8.31	14.97
Other Operating Activities	-	-9.23	-3.48	-0.23
Operating Cash Flow	-	52.96	39.71	43.84
Operating Cash Flow Growth	-	33.35%	-9.42%	-
Capital Expenditures	-	-2.87	-8.5	-1.81
Sale of Property, Plant and Equipment	-	-	-	0.92
Investment in Securities	-	56.87	-9.76	-107.55
Net Decrease (Increase) in Loans Originated / Sold - Investing	-	-882.04	-913.8	83.72
Other Investing Activities	-	-3.6	264.07	-17.23
Investing Cash Flow	-	-831.62	-667.99	-41.94
Long-Term Debt Issued	-	-	292.83	-
Long-Term Debt Repaid	-	-9.74	-	-120.11
Net Debt Issued (Repaid)	-	-9.74	292.83	-120.11
Issuance of Common Stock	-	417.46	-	-
Repurchase of Common Stock	-	-13.77	-	-
Net Increase (Decrease) in Deposit Accounts	-	500.61	24.53	362.48
Other Financing Activities	-	0.17	0.41	0.06
Financing Cash Flow	-	894.71	317.77	242.43
Net Cash Flow	-	116.05	-310.51	244.33
Free Cash Flow	-	50.09	31.22	42.04
Free Cash Flow Growth	-	60.48%	-25.75%	-
Free Cash Flow Margin	-	38.02%	29.32%	49.68%
Free Cash Flow Per Share	-	1.19	-	-
Cash Interest Paid	-	88.75	6.59	13.16
Cash Income Tax Paid	-	4.79	8.56	5.63

Source: S&P Capital IQ. Banks template. Financial Sources.