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NBT Bancorp (NBTB)

NASDAQ

$48.12+$0.83 (+1.76%)

Price as of Jun 23, 2026 4:22 PM EDT

$2.5B
Market Cap
20.06%
1-Year Change
Banks - Regional
Industry

Annual

Quarterly

	12/31/2025	12/31/2024	12/31/2023	12/31/2022
Income Statement
Total Operating Revenue	501.5M +25.35%	400.1M +5.79%	378.2M +4.43%	362.2M +12.80%
Cost of Revenue	N/A N/A	N/A N/A	N/A N/A	N/A N/A
Gross Profit	501.5M +25.35%	400.1M +5.79%	378.2M +4.43%	362.2M +12.80%
Sales and Marketing Expense	4.0M +18.52%	3.4M +10.87%	3.1M +8.22%	2.8M +11.94%
Research and Development Expense	-44.0M +12.48%	-39.1M +2.56%	-38.2M +6.86%	-35.7M +110.21%
Depreciation and Amortization Expense	11.9M +41.47%	8.4M +78.35%	4.7M +109.19%	2.3M -19.41%
Total Operating Expenses	445.3M +17.85%	377.9M +10.60%	341.7M +12.22%	304.5M +5.98%
Operating Profit	219.4M +22.28%	179.5M +16.94%	153.5M -21.77%	196.2M -1.85%
Interest Income	711.0M +16.24%	611.7M +17.00%	522.8M +36.12%	384.1M +13.00%
Interest Expense	N/A N/A	0 +100.00%	-144.6M +560.74%	-21.9M +16.46%
Interest Income and Expense and Net	711.0M +16.24%	611.7M +61.72%	378.2M +4.43%	362.2M +12.80%
Total Nonoperating Income and Expense	501.5M +25.35%	400.1M +5.79%	378.2M +4.43%	362.2M +12.80%
Income before Taxes	219.4M +22.28%	179.5M +16.94%	153.5M -21.77%	196.2M -1.85%
Income Taxes	50.2M +29.35%	38.8M +11.94%	34.7M -21.48%	44.2M -1.81%
Extraordinary Items	N/A N/A	N/A N/A	N/A N/A	N/A N/A
Net Income	169.2M +20.33%	140.6M +18.40%	118.8M -21.85%	152.0M -1.87%
Net Income from Continuing Operations Applicable to Common	219.4M +22.28%	179.5M +16.94%	153.5M -21.77%	196.2M -1.85%
Basic EPS and Net Income	3.34 +12.08%	2.98 +11.61%	2.67 -24.58%	3.54 -0.84%
Diluted EPS and Net Income	3.33 +12.12%	2.97 +12.08%	2.65 -24.72%	3.52 -0.56%
Basic Weighted Average Shares	50.7M +7.39%	47.2M +5.92%	44.5M +3.75%	42.9M -1.16%
Diluted Weighted Average Shares	50.9M +7.26%	47.4M +5.95%	44.8M +3.68%	43.2M -1.23%
Balance Sheet
Cash and Cash Equivalents	185.2M -9.72%	205.1M +17.99%	173.8M +4.40%	166.5M +5.52%
Short-Term Investments	N/A N/A	N/A N/A	N/A N/A	N/A N/A
Cash and Cash Equivalents and Short-Term Investments	185.2M -9.72%	205.1M +17.99%	173.8M +4.40%	166.5M +5.52%
Total Current Assets	399.9M +1.88%	392.5M -0.85%	395.9M +4.24%	379.8M +42.39%
Accumulated Depreciation	181.1M +5.02%	172.4M +5.89%	162.8M +34.82%	120.8M +7.57%
Property and Plant and Equipment and Net	99.3M +22.81%	80.8M +0.20%	80.7M +16.84%	69.0M -4.23%
Total Long-Term Assets	399.9M +1.88%	392.5M -0.85%	395.9M +4.24%	379.8M +42.39%
Total Assets	16.0B +16.02%	13.8B +3.59%	13.3B +13.37%	11.7B -2.27%
Income Taxes Payable	N/A N/A	N/A N/A	N/A N/A	N/A N/A
Total Short-Term Debt	148.1M -9.13%	162.9M -57.86%	386.7M -33.91%	585.0M +498.20%
Total Current Liabilities	N/A N/A	N/A N/A	N/A N/A	N/A N/A
Total Long-Term Debt	136.2M -38.77%	222.4M +0.66%	220.9M +11.52%	198.1M -0.78%
Total Long-Term Liabilities	101.2M -60.47%	255.9M +4.95%	243.8M +70.67%	142.9M +73.41%
Total Liabilities	14.1B +14.99%	12.3B +3.17%	11.9B +12.47%	10.6B -1.82%
Retained Earnings	1.2B +8.78%	1.1B +7.67%	1.0B +6.61%	958.4M +11.94%
Total Stockholders Equity	1.9B +24.25%	1.5B +7.05%	1.4B +21.48%	1.2B -6.15%
Total Shares Outstanding	59.1M +9.46%	54.0M 0.00%	54.0M +8.71%	49.7M 0.00%
Cash Flow
Cash from Operating Activities	235.2M +24.74%	188.6M +19.76%	157.5M -14.06%	183.2M +16.23%
Capital Expenditures	16.3M +38.83%	11.7M +26.89%	9.3M +32.03%	7.0M -9.44%
Cash from Investing Activities	169.1M +142.36%	-399.2M +802.55%	-44.2M -95.23%	-926.2M +69.62%
Dividends Paid	72.6M +16.59%	62.3M +11.41%	55.9M +12.30%	49.8M +4.25%
Cash from Financing Activities	-201.2M -169.52%	289.5M +374.65%	-105.4M -67.94%	-328.7M -133.38%
Financials Ratio
Gross Margin	N/A N/A	N/A N/A	N/A N/A	N/A N/A
Operating Margin	43.75% -2.45%	44.85% +10.54%	40.57% -25.08%	54.16% -12.99%
Return on Assets	1.14% +9.48%	1.04% +9.46%	0.95% -25.90%	1.28% -5.20%
Return on Equity	9.89% +3.79%	9.53% +4.26%	9.14% -27.12%	12.54% -1.30%
Revenue Growth	25.35% +337.71%	5.79% +30.85%	4.43% -65.43%	12.80% +646.93%
Current Ratio	N/A N/A	N/A N/A	N/A N/A	N/A N/A
Cash Ratio	N/A N/A	N/A N/A	N/A N/A	N/A N/A
Debt-to-Equity Ratio	0.15 -40.63%	0.25 -40.76%	0.43 -36.13%	0.67 +180.50%
Debt-to-Assets Ratio	0.02 -36.43%	0.03 -38.73%	0.05 -31.48%	0.07 +168.95%

Earnings & Revenue History

Debt-to-Assets

Cash Flow