NBT Bancorp Inc. (NBTB)

NBT Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Year	2023	2022	2021	2020	2019
Revenue	495.12	500.62	487.14	410.82	430.17
Revenue Growth (YoY)	-1.10%	2.77%	18.58%	-4.50%	7.12%
Gross Profit	495.12	500.62	487.14	410.82	430.17
Selling, General & Admin	250.23	239.88	223.46	211.2	240.61
Other Operating Expenses	91.43	64.58	63.82	66.54	34.12
Operating Expenses	341.66	304.47	287.28	277.73	274.73
Operating Income	153.46	196.16	199.86	133.09	155.43
Pretax Income	153.46	196.16	199.86	133.09	155.43
Income Tax	34.68	44.16	44.97	28.7	34.41
Net Income	118.78	152	154.89	104.39	121.02
Net Income Growth	-21.85%	-1.87%	48.37%	-13.74%	7.51%
Shares Outstanding (Basic)	47	43	43	44	44
Shares Change	9.92%	-1.18%	-0.63%	-0.38%	0.28%
EPS (Basic)	2.67	3.54	3.57	2.39	2.76
EPS (Diluted)	2.65	3.52	3.54	2.37	2.74
EPS Growth	-24.72%	-0.56%	49.37%	-13.50%	7.03%
Free Cash Flow	148.2	176.21	151.45	137.12	146.82
Free Cash Flow Per Share	3.15	4.11	3.49	3.14	3.35
Dividend Per Share	1.240	1.160	1.100	1.080	1.050
Dividend Growth	6.90%	5.45%	1.85%	2.86%	6.06%
Gross Margin	100.00%	100.00%	100.00%	100.00%	100.00%
Operating Margin	30.99%	39.18%	41.03%	32.40%	36.13%
Profit Margin	23.99%	30.36%	31.79%	25.41%	28.13%
Free Cash Flow Margin	29.93%	35.20%	31.09%	33.38%	34.13%
Effective Tax Rate	22.60%	22.51%	22.50%	21.56%	22.14%
EBITDA	175.73	215.22	219.74	153.64	175.75
EBITDA Margin	35.49%	42.99%	45.11%	37.40%	40.86%
Depreciation & Amortization	22.27	19.06	19.88	20.55	20.32
EBIT	153.46	196.16	199.86	133.09	155.43
EBIT Margin	30.99%	39.18%	41.03%	32.40%	36.13%

Source: Financials are provided by Nasdaq Data Link and sourced from the audited annual (10-K) and quarterly (10-Q) reports submitted to the Securities and Exchange Commission (SEC).