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NBT Bancorp Inc. (NBTB)
NASDAQ: NBTB · Real-Time Price · USD
52.97
+1.00 (1.92%)
At close: Oct 29, 2026, 4:00 PM EDT
53.04
+0.07 (0.13%)
Pre-market: Oct 30, 2026, 4:01 AM EDT

NBT Bancorp Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
732.08664.79557.34490.37500.62487.14
Revenue Growth
16.25%19.28%13.66%-2.05%2.77%18.58%
Net Income
217.71169.24140.64118.78152154.89
Earnings Per Share
4.163.332.972.653.523.54
EPS Growth
37.77%12.12%12.07%-24.72%-0.56%49.37%

Revenue by Segment
Chart
Fiscal Year
FY 2025FY 2024FY 2023
Period EndingDec '25 Dec '24 Dec '23
Retirement Plan Administration
66.6760.7951.24
Banking
590.18489.57439.23
All Other
7.936.984.65
Total
664.79557.34495.12

Cash & Debt
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
322.2555.23388.5301.18314.641,330
Total Debt
569.11428.62549.66761.46930.81399.34
Net Cash (Debt)
-246.91126.61-161.16-460.28-616.16930.19
Net Cash Growth
-----298.74%
Net Cash Per Share
-4.722.49-3.40-10.28-14.2721.28

Cash Flow & CapEx
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-235.22188.57157.46183.22159.19
Capital Expenditures
--16.3-11.74-9.25-7.01-7.74
Free Cash Flow
-218.92176.83148.2176.21151.45
Free Cash Flow Growth
-23.80%19.31%-15.90%16.36%10.45%

Margins
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
29.74%25.46%25.23%24.22%30.36%31.80%
FCF Margin
-32.93%31.73%30.22%35.20%31.09%

Dividends
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingOct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
1.6001.4201.3201.2401.1601.100
Dividend Per Share Growth
8.45%7.58%6.45%6.90%5.46%1.85%
Dividend Yield
3.02%3.41%2.77%2.96%2.67%2.84%

Valuation
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingOct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
12.7312.8416.0216.6112.2410.78
Forward PE
11.7710.1114.7713.6211.9412.70
P/FCF Ratio
11.209.9212.7413.3210.5611.03
PS Ratio
3.763.274.044.023.723.43