NBT BANCORP INC NBTB

Financials SIC 6021 - National Commercial Banks NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Commercial Banking derived Nasdaq

NBT Bancorp Inc. is a registered financial holding company incorporated in the state of Delaware in 1986, with its principal headquarters located in Norwich, New York. The principal assets of

NBT Bancorp Inc. consist of all of the outstanding shares of common stock of its subsidiaries, including: NBT Bank, National Association (the "Bank"), NBT Financial Services, Inc. ("NBT Financial"), NBT Holdings, Inc. ("NBT Holdings"), CNBF

Capital Trust I, NBT Statutory Trust I, NBT Statutory Trust II, Alliance Financial Capital Trust I, Alliance Financial Capital Trust II and Evans Capital Trust I (collectively, the "Trusts"). The principal sources of revenue for NBT Bancorp

Inc. are the management fees and dividends it receives from the Bank, NBT Financial and NBT Holdings. Collectively, NBT Bancorp Inc. and its subsidiaries are referred to herein as (the "Company"). As of December 31, 2025, the Company had

Last close 52.87 2026-10-23
Market cap $2.75B 2026-06-30 share count
52-week range 39.45 - 54.50

Valuation FY2025 figures against the last close

P/S15.0x
P/E15.9x
P/FCF12.5x
EV/EBITDA—
Dividend yield2.6%
Diluted EPS3.33

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $183.0M$165.7M$144.7M$150.7M$151.0M$140.9M$134.5M$126.0M$113.4M$111.2M
Interest expense $501.5M$400.1M$378.2M$362.2M$18.8M$32.6M$56.0M$38.6M$25.9M$22.5M
Pre-tax income $219.4M$179.5M$153.5M$196.2M$199.9M$133.1M$155.4M$137.0M$128.2M$118.8M
Income tax $50.2M$38.8M$34.7M$44.2M$45.0M$28.7M$34.4M$24.4M$46.0M$40.4M
Net income $169.2M$140.6M$118.8M$152.0M$154.9M$104.4M$121.0M$112.6M$82.2M$78.4M
EPS, basic 3.342.982.673.543.572.392.762.581.891.81
EPS, diluted 3.332.972.653.523.542.372.742.561.871.80
Shares, diluted (wtd. avg.) 50.9M47.4M44.8M43.2M43.7M44.0M44.1M44.0M43,90543,622

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $487.1M$284.1M$205.2M$197.3M$1.27B$672.7M$216.8M$181.0M$159.7M$149.2M
Property, plant and equipment $99.3M$80.8M$80.7M$69.0M$72.1M$74.2M$75.6M$79.0M$81.3M$84.2M
Goodwill $453.3M$362.7M$361.9M$281.2M$280.5M$280.5M$274.8M$274.8M$268.0M$265.4M
Other intangibles $57.7M$36.4M$40.4M$7.3M$8.9M$11.7M$12.0M$15.6M$13.4M$15.8M
Total assets $16.00B$13.79B$13.31B$11.74B$12.01B$10.93B$9.72B$9.56B$9.14B$8.87B
Short-term debt $148.1M$162.9M$386.7M$585.0M$97.8M$168.4M$655.3M$871.7M$719.1M$681.7M
Long-term debt ———————$73.7M$88.9M$104.1M
Total liabilities $14.10B$12.26B$11.88B$10.57B$10.76B$9.75B$8.60B$8.54B$8.18B$7.95B
Retained earnings $1.20B$1.10B$1.02B$958.4M$856.2M$749.1M$696.2M$621.2M$543.7M$501.8M
Total equity $1.90B$1.53B$1.43B$1.17B$1.25B$1.19B$1.12B$1.02B$958.2M$913.3M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $235.2M$188.6M$157.5M$183.2M$159.2M$145.3M$153.5M$147.8M$136.9M$110.6M
Stock-based compensation $5.3M$6.0M$5.1M$4.5M$4.4M$4.6M$4.2M$3.9M$3.6M$4.4M
Capital expenditure $16.3M$11.7M$9.3M$7.0M$7.7M$8.2M$6.6M$7.4M$6.7M$3.3M
Investing cash flow $169.1M-$399.2M-$44.2M-$926.2M-$547.6M-$712.6M-$64.3M-$417.6M-$305.2M-$630.0M
Financing cash flow -$201.2M$289.5M-$105.4M-$328.7M$984.8M$1.02B-$53.2M$291.1M$178.8M$528.3M
Dividends paid $72.6M$62.3M$55.9M$49.8M$47.7M$47.2M$46.0M$43.3M$40.1M$38.9M
Buybacks $10.2M$251.0K$4.9M$14.7M$21.7M$8.0M$0$0$0$17.2M

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001140361-26-013237.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 50M 100M 150M 200M Revenue, FY2016: 111.2M Net income, FY2016: 78.4M Revenue, FY2017: 113.4M Net income, FY2017: 82.2M Revenue, FY2018: 126M Net income, FY2018: 112.6M Revenue, FY2019: 134.5M Net income, FY2019: 121M Revenue, FY2020: 140.9M Net income, FY2020: 104.4M Revenue, FY2021: 151M Net income, FY2021: 154.9M Revenue, FY2022: 150.7M Net income, FY2022: 152M Revenue, FY2023: 144.7M Net income, FY2023: 118.8M Revenue, FY2024: 165.7M Net income, FY2024: 140.6M Revenue, FY2025: 183M Net income, FY2025: 169.2M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $111.2M $113.4M $126.0M $134.5M $140.9M $151.0M $150.7M $144.7M $165.7M $183.0M
Gross profit — — — — — — — — — —
Net income $78.4M $82.2M $112.6M $121.0M $104.4M $154.9M $152.0M $118.8M $140.6M $169.2M

Recent filings and events

  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Regulation FD disclosure Item 7.01
  • Regulation FD disclosure Item 7.01
  • Results announced Item 2.02
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Regulation FD disclosure Item 7.01
  • Results announced Item 2.02
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Regulation FD disclosure Item 7.01
  • Results announced Item 2.02

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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