NBT Bancorp Inc. (NBTB)
NASDAQ: NBTB · Real-Time Price · USD
53.37
-0.19 (-0.35%)
Aug 17, 2026, 10:36 AM EDT - Market open
NBT Bancorp Financials Overview
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 | Jun '26 Jun 30, 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 |
Revenue Revenue Growth | 723.81 | 664.79 | 557.34 | 490.37 | 500.62 | 487.14 |
Revenue Growth | 22.41% | 19.28% | 13.66% | -2.05% | 2.77% | 18.58% |
Net Income Net Income Growth | 214.15 | 169.24 | 140.64 | 118.78 | 152 | 154.89 |
Earnings Per Share EPS Growth | 4.08 | 3.33 | 2.97 | 2.65 | 3.52 | 3.54 |
EPS Growth | 47.11% | 12.12% | 12.07% | -24.72% | -0.56% | 49.37% |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 |
Retirement Plan Administration Retirement Plan Administration Growth | 68.74 | 66.67 | 60.79 | 51.24 |
Banking Banking Growth | 647.67 | 590.18 | 489.57 | 439.23 |
All Other All Other Growth | 7.4 | 7.93 | 6.98 | 4.65 |
Total Total Growth | 723.81 | 664.79 | 557.34 | 495.12 |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 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 |
Cash & Investments Cash & Investments Growth | 366.82 | 555.23 | 388.5 | 301.18 | 314.64 | 1,330 |
Total Debt Total Debt Growth | 543.25 | 428.62 | 549.66 | 761.46 | 930.81 | 399.34 |
Net Cash (Debt) Net Cash Growth | -176.43 | 126.61 | -161.16 | -460.28 | -616.16 | 930.19 |
Net Cash Growth | - | - | - | - | - | 298.74% |
Net Cash Per Share Net Cash Per Share Growth | -3.36 | 2.49 | -3.40 | -10.28 | -14.27 | 21.28 |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 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 |
Operating Cash Flow Operating Cash Flow Growth | 261.66 | 235.22 | 188.57 | 157.46 | 183.22 | 159.19 |
Capital Expenditures CapEx Growth | -16.05 | -16.3 | -11.74 | -9.25 | -7.01 | -7.74 |
Free Cash Flow Free Cash Flow Growth | 245.61 | 218.92 | 176.83 | 148.2 | 176.21 | 151.45 |
Free Cash Flow Growth | 39.70% | 23.80% | 19.31% | -15.90% | 16.36% | 10.45% |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 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 |
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% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Aug '26 Aug 17, 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 |
Dividend Per Share Dividend Per Share Growth | 1.600 | 1.420 | 1.320 | 1.240 | 1.160 | 1.100 |
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% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Aug '26 Aug 17, 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 |
PE Ratio | 13.13 | 12.84 | 16.02 | 16.61 | 12.24 | 10.78 |
Forward PE | 12.22 | 10.11 | 14.77 | 13.62 | 11.94 | 12.70 |
P/FCF Ratio | 11.33 | 9.92 | 12.74 | 13.32 | 10.56 | 11.03 |
PS Ratio | 3.84 | 3.27 | 4.04 | 4.02 | 3.72 | 3.43 |