NB Bancorp, Inc. — Earnings Quality Grade B
NBBK · Financial Services
Generally healthy
Screening Summary
Management Signals
Source: SEC EDGAR 8-K Item 5.02, with exhibit links when available
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 43 days, change +2 days YoY
AR growth 29.0% vs revenue growth 23.0%
Revenue 23.0%, CFFO 40.8%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 76.3% is >2x revenue growth 23.0%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.21. Profits backed by cash
FCF $0.1B, FCF/NI = 1.14
Accruals ratio = -0.1%. Low accruals
Cash $0.3B covers debt $0.2B
Balance Sheet Health
Goodwill+Intangibles $0.0B = 4% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles surged 3405% YoY
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
NB Bancorp, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25