NB Bancorp, Inc. (NBBK) Exceeds Earnings Expectations in Q3
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Oct 23 2025
0mins
Should l Buy ESQ?
Source: NASDAQ.COM
Earnings Performance: NB Bancorp, Inc. (NBBK) reported quarterly earnings of $0.45 per share, exceeding the Zacks Consensus Estimate of $0.42, and showing an increase from $0.33 per share a year ago, marking a +7.14% earnings surprise.
Revenue Insights: The company generated revenues of $51.73 million for the quarter, slightly missing the consensus estimate by 1.29%, but still up from $42.59 million year-over-year.
Stock Outlook: Despite underperforming the market with a 1.6% decline since the start of the year, NBBK holds a Zacks Rank #3 (Hold), indicating expected performance in line with the market, influenced by future earnings estimate revisions.
Industry Context: The Banks - Northeast industry, to which NBBK belongs, is currently ranked in the top 29% of Zacks industries, suggesting a favorable environment for stock performance relative to the broader market.
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Analyst Views on ESQ
Wall Street analysts forecast ESQ stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for ESQ is 115.50 USD with a low forecast of 115.00 USD and a high forecast of 116.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
2 Analyst Rating
1 Buy
1 Hold
0 Sell
Moderate Buy
Current: 113.870
Low
115.00
Averages
115.50
High
116.00
Current: 113.870
Low
115.00
Averages
115.50
High
116.00
About ESQ
Esquire Financial Holdings, Inc. is a financial holding company, which operates through its subsidiary, Esquire Bank, National Association (the Bank). The Bank is a full-service commercial bank dedicated to serving the financial needs of the legal and small business communities on a national basis, as well as commercial and retail customers in the New York metropolitan market. It offers tailored products and solutions to the legal community and their clients as well as dynamic and flexible payment processing solutions to small business owners, both on a national basis. The Bank also offers traditional banking products for businesses and consumers in its local market area. Its products offered to businesses and consumers include checking, savings, money market, and time deposits, a wide range of commercial and consumer loans, as well as customary banking services. The Bank operates a payment processing platform through third-party Independent Sales Organizations (ISOs).
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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- Market Positioning: Esquire Bank focuses on providing tailored financial solutions to the litigation industry and small businesses, covering the New York metropolitan area and national markets, further solidifying its competitive advantage in niche markets.
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See More
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- Market Positioning: Esquire Bank focuses on providing tailored financial and payment processing solutions to the litigation industry and small businesses, further solidifying its market position in the New York metropolitan area to meet diverse client needs.
- Strategic Vision: CEO Andrew C. Sagliocca emphasized that the dividend increase reflects the company's confidence in future growth, aiming to attract more investors through sustained financial health and shareholder value creation.
See More
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See More
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- Significant Loan and Deposit Growth: In 2025, commercial litigation-related loans grew by $342.5 million, driving total loans up by 25.9% to $1.76 billion, while core deposits increased by $428.7 million, reflecting strong market demand and customer trust in the company.
- Interest Income Enhancement: Net interest income rose by 21.6% to $121.5 million in 2025, primarily due to a 22.4% increase in average interest-earning assets, showcasing the company's adaptability and profitability strategies amid changing interest rate environments.
- Operational Efficiency: Despite a 21.5% increase in non-interest expenses to $19.1 million, Esquire Financial maintained an efficiency ratio of 48.4%, indicating a successful balance between ongoing investments and cost control.
See More
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- Outstanding Performance: The company outperformed industry medians on key financial metrics, demonstrating strong capabilities in earnings, loan and deposit growth, return on equity, and asset quality, which further solidifies its leading position among small-cap banks.
- Ongoing Honors: This marks Esquire's third consecutive year on the Sm-All Stars list, indicating its consistent top-tier performance in the small bank sector, reflecting a robust business model and effective risk management.
- Market Positioning: With a market capitalization between $50 million and $2.5 billion, Esquire represents the top 10% of publicly held financial institutions in the U.S., showcasing its competitive edge and market influence in the small banking sector.
See More
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Correlation with Stock Movements: There is a strong correlation between earnings estimate revisions and near-term stock price movements, suggesting that tracking these revisions can be beneficial for investment decisions.
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