NB Bancorp Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	52.63	50.3	42.15	9.83	30.07	21.58
Depreciation & Amortization	3.85	2.78	2.67	2.53	2.47	2.1
Provision for Credit Losses	9.82	4.65	12.12	13.89	6.7	2.05
Stock-Based Compensation	8.02	6.48	2.8	-	-	-
Net Change in Loans Held-for-Sale	5.19	2.34	9.8	0.01	0.05	1.25
Other Adjustments	3.24	1.06	-10.54	-2.79	-0.43	-1.86
Changes in Accrued Interest and Accounts Receivable	-3.06	-1.14	-2.4	-6.46	-3.29	1.02
Changes in Accrued Expenses	-5.15	-12.13	-7.93	29.54	31.13	-6.06
Changes in Other Operating Activities	2.25	5.12	-6.54	8.18	-20.25	20.82
Operating Cash Flow	78.18	60.79	43.19	52.9	39.71	43.84
Operating Cash Flow Growth	20.86%	40.76%	-18.36%	33.20%	-9.42%	-
Net Change in Loans Held-for-Investment	-613.21	-505.96	-463.93	-882.96	-914.04	83.72
Net Change in Securities and Investments	-15.4	-10.06	-35.42	60	-3.46	-100.74
Payments for Business Acquisitions	-	-48.12	-	-	-	-
Capital Expenditures	-5.34	-3.42	-1.94	-2.87	-8.5	-1.81
Sale of Property, Plant & Equipment	-	-	-	-	-	0.92
Other Investing Activities	36.36	48.51	-45.16	-5.79	258	-24.04
Investing Cash Flow	-645.7	-519.05	-546.44	-831.62	-667.99	-41.94
Net Change in Deposits	634.61	540.12	790.33	500.67	24.53	362.48
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-347.66	44.58	-162.5	-9.74	292.83	-120.11
Long-Term Debt Issued	415.7	-	-	-	-	-
Net Long-Term Debt Issued (Repaid)	415.7	-	-	-	-	-
Issuance of Common Stock	-	-	-0.23	417.46	-	-
Repurchase of Common Stock	-64.19	-77.13	-33.4	-13.77	-	-
Net Common Stock Issued (Repurchased)	-64.19	-77.13	-33.62	403.68	-	-
Common Dividends Paid	-5.99	-5.58	-	-	-	-
Other Financing Activities	-0.25	0	0.32	0.17	0.41	0.06
Financing Cash Flow	629.43	502	594.52	894.77	317.77	242.43
Net Cash Flow	61.91	43.74	91.26	116.05	-310.51	244.33
Free Cash Flow	72.84	57.38	41.25	50.03	31.22	42.04
Free Cash Flow Growth	26.95%	39.09%	-17.56%	60.28%	-25.75%	-
FCF Margin	32.33%	27.45%	25.52%	37.57%	28.98%	49.68%
Free Cash Flow Per Share	1.87	1.52	1.05	1.19	1.23	-
Levered Free Cash Flow	460.88	41.52	26	40.74	31.63	37.66
Unlevered Free Cash Flow	-7.45	-8.78	-16.15	30.92	1.57	16.08

Updated May 8, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q