NBTB · Nbt Bancorp Inc - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - | - | - | - | - |
| Operating Income | $66.67M | - | $71.83M | $30.71M | $47.22M | - | $48.78M | $41.92M | $43.21M | - |
| Interest Expense | - | - | - | - | - | - | - | - | $51.76M | - |
| Income Tax | $15.53M | - | $17.35M | $8.20M | $10.48M | - | $10.68M | $9.20M | $9.39M | - |
| Net Income | $51.14M | - | $54.47M | $22.51M | $36.74M | - | $38.10M | $32.72M | $33.82M | - |
| EPS - Basic | $0.98 | - | $1.04 | $0.45 | $0.78 | - | $0.81 | $0.69 | $0.72 | - |
| EPS - Diluted | $0.98 | - | $1.03 | $0.44 | $0.77 | - | $0.80 | $0.69 | $0.71 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $716.07M | $487.12M | $640.24M | $541.56M | $254.08M | $284.06M | $482.46M | $207.52M | $319.09M | $205.19M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $16.20B | $16.00B | $16.11B | $16.01B | $13.86B | $13.79B | $13.84B | $13.50B | $13.44B | $13.31B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $14.29B | $14.10B | $14.26B | $14.21B | $12.30B | $12.26B | $12.32B | $12.04B | $12.00B | $11.88B |
| Stockholders' Equity | $1.91B | $1.90B | $1.85B | $1.81B | $1.57B | $1.53B | $1.52B | $1.46B | $1.44B | $1.43B |
| Retained Earnings | $1.23B | $1.20B | $1.16B | $1.13B | $1.12B | $1.10B | $1.08B | $1.06B | $1.04B | $1.02B |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $53.04M | - | - | - | $42.01M | - | - | - | $36.74M | - |
| Investing Cash Flow | ($5.69M) | - | - | - | ($113.16M) | - | - | - | ($13.13M) | - |
| Financing Cash Flow | $181.60M | - | - | - | $41.19M | - | - | - | $90.29M | - |
| CapEx | $4.42M | - | - | - | $3.70M | - | - | - | $2.42M | - |
| Free Cash Flow | $48.62M | - | - | - | $38.30M | - | - | - | $34.32M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | 0.95 | - | - | - | 1.04 | - | - | - | 1.01 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 23.3% | - | 24.2% | 26.7% | 22.2% | - | 21.9% | 22.0% | 21.7% | - |
| Return on assets | 0.3% | - | 0.3% | 0.1% | 0.3% | - | 0.3% | 0.2% | 0.3% | - |
| Return on equity | 2.7% | - | 2.9% | 1.2% | 2.3% | - | 2.5% | 2.2% | 2.3% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | - | 0.8x | - |
| Equity multiplier | 8.46 | 8.44 | 8.69 | 8.87 | 8.85 | 9.03 | 9.09 | 9.24 | 9.32 | 9.34 |
| Liabilities / Assets | 0.88 | 0.88 | 0.88 | 0.89 | 0.89 | 0.89 | 0.89 | 0.89 | 0.89 | 0.89 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 43.4x | - | 40.5x | 94.4x | 55.7x | - | 55.3x | 55.9x | 51.7x | - |
| P / B | 1.2x | - | 1.2x | 1.2x | 1.3x | - | 1.4x | 1.2x | 1.2x | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 41.2% | - | 47.2% | -26.7% | 9.3% | - | 53.9% | 8.2% | -0.1% | - |
| Net income growth (YoY) | 39.2% | - | 43.0% | -31.2% | 8.6% | - | 54.8% | 8.8% | 0.5% | - |
| EPS growth (YoY) | 27.3% | - | 28.7% | -36.2% | 8.5% | - | 48.1% | -1.4% | -9.0% | - |
| EPS CAGR (3y) | 7.9% | - | 4.6% | -20.6% | -5.1% | - | -2.4% | -9.1% | -7.9% | - |
| EPS CAGR (5y) | 1.5% | - | 5.2% | -4.7% | 27.3% | - | 1.8% | 0.0% | 1.5% | - |
| FCF growth (YoY) | 26.9% | - | - | - | 11.6% | - | - | - | 67.8% | - |
| FCF CAGR (5y) | 3.3% | - | - | - | 0.4% | - | - | - | -1.7% | - |
| Book value growth (YoY) | 22.3% | 24.2% | 21.8% | 23.5% | 8.6% | 7.0% | 11.7% | 20.8% | 19.0% | 21.5% |
Peer comparison
Same SIC group: National Commercial Banks
Comparing NBT BANCORP INC against the 5 most active filers in the same SIC group.
Dividends
$1.48/share trailing 12 months · +8.8% YoY
| Ex-date | Per share |
|---|---|
| Jun 1, 2026 | $0.3700 |
| Mar 2, 2026 | $0.3700 |
| Dec 1, 2025 | $0.3700 |
| Aug 29, 2025 | $0.3700 |
| Jun 2, 2025 | $0.3400 |
| Mar 3, 2025 | $0.3400 |
| Dec 2, 2024 | $0.3400 |
| Aug 30, 2024 | $0.3400 |
| Jun 3, 2024 | $0.3200 |
| Feb 29, 2024 | $0.3200 |
| Nov 30, 2023 | $0.3200 |
| Aug 31, 2023 | $0.3200 |
| May 31, 2023 | $0.3000 |
| Feb 28, 2023 | $0.3000 |
| Nov 30, 2022 | $0.3000 |
| Aug 31, 2022 | $0.3000 |
| May 31, 2022 | $0.2800 |
| Feb 28, 2022 | $0.2800 |
| Nov 30, 2021 | $0.2800 |
| Aug 31, 2021 | $0.2800 |
| May 28, 2021 | $0.2700 |
| Feb 26, 2021 | $0.2700 |
| Nov 30, 2020 | $0.2700 |
| Aug 31, 2020 | $0.2700 |