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NBT Bancorp Inc. (NBTB)
NASDAQ: NBTB · Real-Time Price · USD
52.38
+1.06 (2.07%)
At close: Jul 24, 2026, 4:00 PM EDT
52.38
0.00 (0.00%)
After-hours: Jul 24, 2026, 4:10 PM EDT

NBT Bancorp Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
700.34697.04576.95520.4500.62487.14
Revenue Growth
22.50%20.82%10.87%3.95%2.77%18.58%
Net Income
183.63169.24140.64118.78152154.89
Earnings Per Share
3.513.332.972.653.523.54
EPS Growth
16.23%12.12%12.07%-24.72%-0.56%49.37%

Revenue by Segment
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023
Period EndingMar '26 Dec '25 Dec '24 Dec '23
Retirement Plan Administration
67.3866.6760.7951.24
Banking
621.87590.18489.57439.23
All Other
7.327.936.984.65
Total
696.57664.79557.34495.12

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Equivalents
716.07487.12284.06205.19197.351,269
Total Debt
179.6154.84130.84250.74202.94213.68
Net Cash (Debt)
-179.6-154.84-130.84-250.74-202.94-213.68
Net Cash Growth
------
Net Cash Per Share
-3.45-3.04-2.76-5.60-4.70-4.89

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
246.25235.22188.57157.46183.22159.19
Capital Expenditures
-17.02-16.3-11.74-9.25-7.01-7.74
Free Cash Flow
229.23218.92176.83148.2176.21151.45
Free Cash Flow Growth
26.78%23.80%19.31%-15.90%16.36%10.45%

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Pretax Margin
34.11%31.48%31.10%29.49%39.18%41.03%
Profit Margin
26.22%24.28%24.38%22.83%30.36%31.79%
FCF Margin
32.73%31.41%30.65%28.48%35.20%31.09%

Dividends
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJul '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
1.4801.4201.3201.2401.1601.100
Dividend Per Share Growth
8.82%7.58%6.45%6.90%5.46%1.85%
Dividend Yield
2.83%3.45%2.76%2.99%2.67%2.85%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJul '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
14.8212.4716.0815.8212.3410.88
Forward PE
12.1910.1114.7713.6211.9412.70
P/FCF Ratio
11.909.9012.7513.3210.5610.98
PS Ratio
3.913.113.913.793.723.41