NBT Bancorp Inc. (NBTB)
NASDAQ: NBTB · Real-Time Price · USD
48.17
+0.50 (1.05%)
Jun 12, 2026, 3:19 PM EDT - Market open
NBT Bancorp Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Interest Income | 528.67 | 501.55 | 400.12 | 378.22 | 362.19 | 321.09 |
Net Interest Income Growth | 28.27% | 25.35% | 5.79% | 4.43% | 12.80% | 1.71% |
Non-Interest Income | 198.18 | 195.49 | 176.82 | 142.18 | 155.58 | 157.79 |
Non-Interest Income Growth | 10.79% | 10.56% | 24.37% | -8.61% | -1.40% | 7.87% |
Revenues Before Loan Losses | 726.85 | 697.04 | 576.95 | 520.4 | 517.77 | 478.88 |
Provision for Credit Losses | 30.28 | - | - | - | 17.15 | -8.26 |
| 696.57 | 697.04 | 576.95 | 520.4 | 500.62 | 487.14 | |
Revenue Growth (YoY) | 22.32% | 20.82% | 10.87% | 3.95% | 2.77% | 18.58% |
Compensation Expenses | 265.54 | 257.48 | 232.49 | 194.25 | 187.83 | 172.58 |
Selling, General & Admin | 126.33 | 122.15 | 107.26 | 100.4 | 90.96 | 88.64 |
Other Non-Interest Expenses | 65.71 | 65.72 | 38.14 | 47.01 | 25.67 | 26.06 |
Total Non-Interest Expense | 457.67 | 445.34 | 377.88 | 341.66 | 304.47 | 287.28 |
Pretax Income | 238.9 | 219.44 | 179.46 | 153.46 | 196.16 | 199.86 |
Provision for Income Taxes | 55.27 | 50.21 | 38.82 | 34.68 | 44.16 | 44.97 |
Net Income | 183.63 | 169.24 | 140.64 | 118.78 | 152 | 154.89 |
Net Income to Common | 183.63 | 169.24 | 140.64 | 118.78 | 152 | 154.89 |
Net Income Growth | 27.91% | 20.33% | 18.40% | -21.85% | -1.87% | 48.37% |
Shares Outstanding (Basic) | 52 | 51 | 47 | 45 | 43 | 43 |
Shares Outstanding (Diluted) | 52 | 51 | 47 | 45 | 43 | 44 |
Shares Change (YoY) | 9.73% | 7.26% | 5.95% | 3.68% | -1.23% | -0.61% |
EPS (Basic) | 3.53 | 3.34 | 2.98 | 2.67 | 3.54 | 3.57 |
EPS (Diluted) | 3.51 | 3.33 | 2.97 | 2.65 | 3.52 | 3.54 |
EPS Growth | 16.23% | 12.12% | 12.07% | -24.72% | -0.56% | 49.37% |
Free Cash Flow | 229.23 | 218.92 | 176.83 | 148.2 | 176.21 | 151.45 |
Free Cash Flow Growth | 4.71% | 23.80% | 19.31% | -15.90% | 16.36% | 10.45% |
Free Cash Flow Per Share | 4.40 | 4.30 | 3.73 | 3.31 | 4.08 | 3.46 |
Dividends Per Share | 1.450 | 1.420 | 1.320 | 1.240 | 1.160 | 1.100 |
Dividend Growth | 2.11% | 7.58% | 6.45% | 6.90% | 5.46% | 1.85% |
Profit Margin | 26.36% | 24.28% | 24.38% | 22.83% | 30.36% | 31.79% |
FCF Margin | 32.91% | 31.41% | 30.65% | 28.48% | 35.20% | 31.09% |
EBITDA | 36.67 | 35.03 | 30 | 25.01 | 22.52 | 25.71 |
EBITDA Margin | 5.26% | 5.02% | 5.20% | 4.81% | 4.50% | 5.28% |
Effective Tax Rate | 23.13% | 22.88% | 21.63% | 22.60% | 22.51% | 22.50% |