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NBT Bancorp Inc. (NBTB)
NASDAQ: NBTB · Real-Time Price · USD
53.56
-0.01 (-0.02%)
At close: Aug 14, 2026, 4:00 PM EDT
53.47
-0.09 (-0.17%)
After-hours: Aug 14, 2026, 7:34 PM EDT

NBT Bancorp Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
723.81664.79557.34490.37500.62487.14
Revenue Growth
22.41%19.28%13.66%-2.05%2.77%18.58%
Net Income
214.15169.24140.64118.78152154.89
Earnings Per Share
4.083.332.972.653.523.54
EPS Growth
47.11%12.12%12.07%-24.72%-0.56%49.37%

Revenue by Segment
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023
Period EndingJun '26 Dec '25 Dec '24 Dec '23
Retirement Plan Administration
68.7466.6760.7951.24
Banking
647.67590.18489.57439.23
All Other
7.47.936.984.65
Total
723.81664.79557.34495.12

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
366.82555.23388.5301.18314.641,330
Total Debt
543.25428.62549.66761.46930.81399.34
Net Cash (Debt)
-176.43126.61-161.16-460.28-616.16930.19
Net Cash Growth
-----298.74%
Net Cash Per Share
-3.362.49-3.40-10.28-14.2721.28

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
261.66235.22188.57157.46183.22159.19
Capital Expenditures
-16.05-16.3-11.74-9.25-7.01-7.74
Free Cash Flow
245.61218.92176.83148.2176.21151.45
Free Cash Flow Growth
39.70%23.80%19.31%-15.90%16.36%10.45%

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
29.59%25.46%25.23%24.22%30.36%31.80%
FCF Margin
33.93%32.93%31.73%30.22%35.20%31.09%

Dividends
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '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
8.63%7.58%6.45%6.90%5.46%1.85%
Dividend Yield
2.99%3.48%2.90%3.21%3.00%3.30%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
13.1312.8416.0216.6112.2410.78
Forward PE
12.2210.1114.7713.6211.9412.70
P/FCF Ratio
11.339.9212.7413.3210.5611.03
PS Ratio
3.843.274.044.023.723.43