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 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $182.95M | $165.71M | $144.74M | $150.66M | $151.01M | $140.92M |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - |
| Operating Income | $219.44M | $179.46M | $153.46M | $196.16M | $133.09M | $133.09M |
| Interest Expense | - | - | $144.57M | $21.88M | $18.79M | $32.60M |
| Income Tax | $50.21M | $38.82M | $34.68M | $44.16M | $44.97M | $28.70M |
| Net Income | $169.24M | $140.64M | $118.78M | $152.00M | $154.88M | $104.39M |
| EPS - Basic | $3.34 | $2.98 | $2.67 | $3.54 | $3.57 | $2.39 |
| EPS - Diluted | $3.33 | $2.97 | $2.65 | $3.52 | $3.54 | $2.37 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $487.12M | $284.06M | $205.19M | $197.35M | $672.68M | $672.68M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $16.00B | $13.79B | $13.31B | $11.74B | $12.01B | $10.93B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $14.10B | $12.26B | $11.88B | $10.57B | $10.76B | $9.75B |
| Stockholders' Equity | $1.90B | $1.53B | $1.43B | $1.17B | $1.25B | $1.19B |
| Retained Earnings | $1.20B | $1.10B | $1.02B | $958.43M | $856.20M | $749.06M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $235.22M | $188.57M | $157.46M | $183.22M | $157.63M | $142.41M |
| Investing Cash Flow | $169.07M | ($399.16M) | ($44.23M) | ($926.22M) | ($546.06M) | ($709.73M) |
| Financing Cash Flow | ($201.23M) | $289.46M | ($105.39M) | ($328.73M) | $984.81M | $1.02B |
| CapEx | $16.30M | $11.74M | $9.25M | $7.01M | $7.74M | $8.16M |
| Free Cash Flow | $218.92M | $176.82M | $148.20M | $176.21M | $149.90M | $134.25M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | 119.9% | 108.3% | 106.0% | 130.2% | 88.1% | 94.4% |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | 92.5% | 84.9% | 82.1% | 100.9% | 102.6% | 74.1% |
| Free cash flow margin | 119.7% | 106.7% | 102.4% | 117.0% | 99.3% | 95.3% |
| FCF / Net income | 1.29 | 1.26 | 1.25 | 1.16 | 0.97 | 1.29 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 22.9% | 21.6% | 22.6% | 22.5% | 22.5% | 21.6% |
| Return on assets | 1.1% | 1.0% | 0.9% | 1.3% | 1.3% | 1.0% |
| Return on equity | 8.9% | 9.2% | 8.3% | 13.0% | 12.4% | 8.8% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | - | - | 1.1x | 9.0x | 7.1x | 4.1x |
| Equity multiplier | 8.44 | 9.03 | 9.34 | 10.00 | 9.61 | 9.21 |
| Liabilities / Assets | 0.88 | 0.89 | 0.89 | 0.90 | 0.90 | 0.89 |
| Efficiency | ||||||
| Asset turnover | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 12.5x | 16.1x | 15.8x | 12.3x | 10.9x | 13.5x |
| P / B | 1.1x | 1.5x | 1.3x | 1.6x | 1.3x | 1.2x |
| P / S | 11.5x | 13.7x | 13.0x | 12.4x | 11.2x | 10.0x |
| EV / EBITDA | - | - | - | - | - | - |
| Growth | ||||||
| Revenue growth (YoY) | 10.4% | 14.5% | -3.9% | -0.2% | 7.2% | 4.8% |
| Revenue CAGR (3y) | 6.7% | 3.1% | 0.9% | 3.9% | 10.8% | - |
| Revenue CAGR (5y) | 5.4% | 4.3% | 5.4% | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 22.3% | 16.9% | -21.8% | 47.4% | 0.0% | -14.4% |
| Net income growth (YoY) | 20.3% | 18.4% | -21.9% | -1.9% | 48.4% | -13.7% |
| EPS growth (YoY) | 12.1% | 12.1% | -24.7% | -0.6% | 49.4% | -13.5% |
| EPS CAGR (3y) | -1.8% | -5.7% | 3.8% | 8.7% | 11.4% | 8.2% |
| EPS CAGR (5y) | 7.0% | 1.6% | 0.7% | 13.5% | 14.5% | 6.6% |
| FCF growth (YoY) | 23.8% | 19.3% | -15.9% | 17.6% | 11.6% | -8.6% |
| FCF CAGR (5y) | 10.3% | 3.8% | 1.1% | 11.1% | 7.1% | 2.9% |
| Book value growth (YoY) | 24.2% | 7.0% | 21.5% | -6.1% | 5.3% | 6.0% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
4/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✗No share dilution
- -Gross margin improved
- ✗Asset turnover improved
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 |