Free Trial
→ Washington Is Broke—and Eyeing Your Savings Next (From Priority Gold) (Ad) Buy NBTB Stock  Free NBTB Stock Alerts

NBT Bancorp (NBTB) Financials

NBT Bancorp logo
$42.49 -1.19 (-2.72%)
As of 01:34 PM Eastern
This is a fair market value price provided by Polygon.io. Learn more.
Compare
Annual Income Statements for NBT Bancorp

Annual Income Statements for NBT Bancorp

This table shows NBT Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Net Income / (Loss) Attributable to Common Shareholders		 141 119 152 155 104 121 113 82 78 76 75
Consolidated Net Income / (Loss)		 141 119 152 155 104 121 113 82 78 76 75
Net Income / (Loss) Continuing Operations		 141 119 152 155 104 121 113 82 78 76 75
Total Pre-Tax Income 		179 153 196 200 133 155 137 128 119 117 112
Total Revenue		 577 520 518 479 462 456 430 405 380 371 378
Net Interest Income / (Expense)		 400 378 362 321 316 312 306 283 264 253 252
Total Interest Income		 612 523 384 340 348 368 344 309 287 273 275
Loans and Leases Interest Income		 553 463 333 302 308 321 301 267 251 242 243
Investment Securities Interest Income		 52 50 47 36 38 42 40 39 34 30 30
Other Interest Income		 7.08 9.63 4.07 1.85 2.71 3.65 3.27 2.81 2.07 1.75 2.03
Total Interest Expense		 212 145 22 19 33 56 39 26 23 21 23
Deposits Interest Expense		 187 105 9.92 11 22 40 22 14 14 14 14
Short-Term Borrowings Interest Expense		 8.67 26 2.62 0.16 3.41 9.69 11 6.00 2.31 0.78 0.85
Long-Term Debt Interest Expense		 16 14 9.33 7.92 7.13 6.30 5.93 5.44 5.83 5.58 8.72
Total Non-Interest Income		 177 142 156 158 146 144 125 121 116 118 126
Trust Fees by Commissions		 42 35 33 34 29 28 29 20 19 19 19
Service Charges on Deposit Accounts		 34 31 29 27 13 17 17 17 17 17 18
Other Service Charges		 90 79 88 90 84 73 65 77 76 71 64
Net Realized & Unrealized Capital Gains on Investments		 2.79 -9.32 -1.13 0.57 -0.39 4.21 -6.34 2.69 -0.64 7.27 19
Other Non-Interest Income		 8.33 6.75 6.04 6.22 21 21 20 5.18 5.20 4.33 5.35
Provision for Credit Losses		 20 25 17 -8.26 51 25 29 31 25 18 20
Total Non-Interest Expense		 378 342 304 287 278 275 265 246 236 236 246
Salaries and Employee Benefits		 232 194 188 173 162 157 152 135 132 126 120
Net Occupancy & Equipment Expense		 70 67 62 61 58 60 35 54 52 52 51
Marketing Expense		 3.39 3.05 2.82 2.52 2.29 2.77 2.78 2.74 2.56 2.65 2.83
Property & Liability Insurance Claims		 6.77 6.26 3.20 3.04 2.69 1.95 4.65 4.77 5.11 5.15 4.94
Other Operating Expenses		 55 57 45 46 49 50 67 45 41 46 63
Amortization Expense		 8.44 4.73 2.26 2.81 3.40 3.58 4.04 3.96 3.93 4.86 5.05
Restructuring Charge		 1.53 9.98 0.97 0.00 0.00 - - - - - -
Income Tax Expense		 39 35 44 45 29 34 24 46 40 40 37
Basic Earnings per Share		 $2.98 $2.67 $3.54 $3.57 $2.39 $2.76 $2.58 $1.89 $1.81 $1.74 $1.71
Weighted Average Basic Shares Outstanding		 47.25M 47.15M 42.90M 43.17M 43.58M 43.84M 43.60M 43.50M 43.30M 43.90M 43.88M
Diluted Earnings per Share		 $2.97 $2.65 $3.52 $3.54 $2.37 $2.74 $2.56 $1.87 $1.80 $1.72 $1.69
Weighted Average Diluted Shares Outstanding		 47.25M 47.15M 42.90M 43.17M 43.58M 43.84M 43.60M 43.50M 43.30M 43.90M 43.88M
Weighted Average Basic & Diluted Shares Outstanding		 47.25M 47.15M 42.90M 43.17M 43.58M 43.84M 43.60M 43.50M 43.30M 43.90M 43.88M
Cash Dividends to Common per Share		 $1.32 $1.24 $1.16 $1.10 $1.08 $1.05 $0.99 $0.92 - - -

Quarterly Income Statements for NBT Bancorp

This table shows NBT Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 36 38 33 34 30 25 30 34 36 39
Consolidated Net Income / (Loss)		 36 38 33 34 30 25 30 34 36 39
Net Income / (Loss) Continuing Operations		 36 38 33 34 30 25 30 34 36 39
Total Pre-Tax Income 		46 49 42 43 40 32 39 43 47 50
Total Revenue		 149 147 140 141 138 135 121 126 134 132
Net Interest Income / (Expense)		 106 102 97 95 99 95 89 95 100 94
Total Interest Income		 158 156 151 147 151 137 121 114 109 99
Loans and Leases Interest Income		 141 142 137 133 133 122 107 101 96 85
Investment Securities Interest Income		 14 13 13 12 13 13 12 13 13 13
Other Interest Income		 2.93 1.38 1.41 1.36 5.59 2.22 1.17 0.64 0.67 1.43
Total Interest Expense		 52 55 54 52 52 42 32 19 9.39 4.74
Deposits Interest Expense		 47 49 47 44 43 31 20 11 4.09 2.23
Short-Term Borrowings Interest Expense		 0.92 1.43 2.90 3.42 4.95 7.61 8.13 4.92 2.51 0.08
Long-Term Debt Interest Expense		 3.90 4.02 4.01 4.00 4.04 3.83 3.39 3.06 2.79 2.42
Total Non-Interest Income		 42 46 43 45 38 40 32 31 34 37
Trust Fees by Commissions		 11 11 10 9.70 9.15 9.30 8.23 8.09 8.02 8.40
Service Charges on Deposit Accounts		 8.29 9.25 8.07 8.51 12 3.98 7.45 7.48 7.04 7.47
Other Service Charges		 21 23 23 23 19 21 19 19 18 20
Net Realized & Unrealized Capital Gains on Investments		 0.22 0.48 -0.09 2.18 0.51 -0.18 -4.64 -5.00 -0.22 -0.15
Other Non-Interest Income		 2.27 1.87 1.83 2.35 -2.59 5.93 1.53 1.88 1.42 1.56
Provision for Credit Losses		 2.21 2.92 8.90 5.58 5.13 13 3.61 3.91 7.68 4.48
Total Non-Interest Expense		 101 96 90 92 93 91 79 79 80 77
Salaries and Employee Benefits		 62 60 55 56 50 49 47 48 47 48
Net Occupancy & Equipment Expense		 18 18 17 18 17 17 16 16 16 16
Marketing Expense		 0.99 0.71 0.87 0.81 1.21 0.67 0.53 0.65 0.88 0.56
Property & Liability Insurance Claims		 1.55 1.82 1.67 1.74 1.86 1.66 1.34 1.40 0.80 0.79
Other Operating Expenses		 15 13 13 14 20 13 12 12 13 11
Amortization Expense		 2.08 2.06 2.13 2.17 2.13 1.61 0.46 0.54 0.54 0.54
Restructuring Charge		 0.99 0.54 0.00 0.00 0.25 7.92 1.19 0.62 0.97 0.00
Income Tax Expense		 9.54 11 9.20 9.39 9.34 7.10 8.66 9.59 11 11
Basic Earnings per Share		 $0.76 $0.81 $0.69 $0.72 $0.65 $0.54 $0.70 $0.78 $0.84 $0.91
Weighted Average Basic Shares Outstanding		 47.25M 47.18M 47.17M 47.15M 47.15M 47.09M 42.76M 42.90M 42.90M 42.84M
Diluted Earnings per Share		 $0.77 $0.80 $0.69 $0.71 $0.63 $0.54 $0.70 $0.78 $0.84 $0.90
Weighted Average Diluted Shares Outstanding		 47.25M 47.18M 47.17M 47.15M 47.15M 47.09M 42.76M 42.90M 42.90M 42.84M
Weighted Average Basic & Diluted Shares Outstanding		 47.25M 47.18M 47.17M 47.15M 47.15M 47.09M 42.76M 42.90M 42.90M 42.84M

Annual Cash Flow Statements for NBT Bancorp

This table details how cash moves in and out of NBT Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Net Change in Cash & Equivalents		 79 7.84 -1,072 596 456 36 21 10 8.88 -6.34 -12
Net Cash From Operating Activities		 189 157 183 159 145 153 148 137 111 125 88
Net Cash From Continuing Operating Activities		 189 157 183 159 145 153 148 137 111 125 88
Net Income / (Loss) Continuing Operations		 141 119 152 155 104 121 113 82 78 76 75
Consolidated Net Income / (Loss)		 141 119 152 155 104 121 113 82 78 76 75
Provision For Loan Losses		 20 25 17 -8.26 51 25 29 31 25 18 20
Depreciation Expense		 12 11 10 9.90 9.77 9.50 9.28 9.06 9.02 8.65 8.32
Amortization Expense		 19 15 13 16 15 14 8.05 8.75 9.21 7.42 8.26
Non-Cash Adjustments to Reconcile Net Income		 -2.86 16 -21 -1.61 12 -9.89 -1.40 -1.44 -3.28 -6.90 -9.07
Changes in Operating Assets and Liabilities, net		 0.75 -28 12 -12 -47 -6.77 -9.55 7.40 -8.22 21 -14
Net Cash From Investing Activities		 -399 -44 -926 -548 -713 -64 -418 -305 -630 -504 -144
Net Cash From Continuing Investing Activities		 -399 -44 -926 -548 -713 -64 -418 -305 -630 -504 -144
Purchase of Investment Securities		 -790 -482 -1,356 -1,134 -1,361 -777 -1,133 -724 -1,321 -968 -533
Sale and/or Maturity of Investments		 391 438 430 586 648 713 715 668 691 464 389
Net Cash From Financing Activities		 289 -105 -329 985 1,023 -53 291 179 528 373 44
Net Cash From Continuing Financing Activities		 289 -105 -329 985 1,023 -53 291 179 528 373 44
Net Change in Deposits		 578 164 -739 1,153 1,494 220 198 197 369 305 409
Issuance of Debt		 0.00 25 489 0.00 100 -206 178 62 263 126 120
Issuance of Common Equity		 0.06 0.09 0.00 0.11 0.18 0.73 1.30 3.31 6.03 9.36 6.26
Repayment of Debt		 -224 -232 -13 -96 -514 -20 -40 -40 -50 -0.50 -455
Repurchase of Common Equity		 -0.25 -4.94 -15 -22 -7.98 0.00 0.00 - -17 -27 -0.07
Payment of Dividends		 -62 -56 -50 -48 -47 -46 -43 -40 -39 -38 -37
Other Financing Activities, Net		 -1.99 -1.88 -1.75 -2.93 -1.54 -1.62 -1.89 -3.58 -3.39 -1.66 -
Cash Interest Paid		 215 130 21 20 32 56 37 26 22 21 23
Cash Income Taxes Paid		 23 28 63 46 46 28 32 34 41 29 39

Quarterly Cash Flow Statements for NBT Bancorp

This table details how cash moves in and out of NBT Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 -198 275 -112 114 -467 471 -28 32 -124 -203
Net Cash From Operating Activities		 49 52 51 37 36 55 45 22 30 49
Net Cash From Continuing Operating Activities		 49 52 51 37 36 55 45 22 30 49
Net Income / (Loss) Continuing Operations		 36 38 33 34 30 25 30 34 36 39
Consolidated Net Income / (Loss)		 36 38 33 34 30 25 30 34 36 39
Provision For Loan Losses		 2.21 2.92 8.90 5.58 5.13 13 3.61 3.91 7.68 4.48
Depreciation Expense		 2.92 2.89 2.87 2.86 2.89 2.66 2.57 2.58 2.57 2.58
Amortization Expense		 4.68 4.68 4.75 4.80 4.73 4.14 2.90 2.98 3.03 3.11
Non-Cash Adjustments to Reconcile Net Income		 0.93 -2.02 0.23 -1.99 10 -2.77 2.83 5.49 -21 -0.71
Changes in Operating Assets and Liabilities, net		 2.44 5.57 1.06 -8.32 -18 13 3.36 -27 1.46 0.99
Net Cash From Investing Activities		 -148 -58 -180 -13 48 67 -83 -76 -227 -141
Net Cash From Continuing Investing Activities		 -148 -58 -180 -13 48 67 -83 -76 -227 -141
Purchase of Investment Securities		 -242 -160 -298 -90 -4.65 -136 -177 -164 -316 -237
Sale and/or Maturity of Investments		 95 102 117 77 53 202 94 89 89 96
Net Cash From Financing Activities		 -100 281 18 90 -551 350 10 86 74 -111
Net Cash From Continuing Financing Activities		 -100 281 18 90 -551 350 10 86 74 -111
Net Change in Deposits		 -42 317 76 226 -432 563 -151 185 -423 -110
Repayment of Debt		 -42 -20 -42 -120 -104 -128 110 -110 21 -23
Payment of Dividends		 -16 -16 -15 -15 -15 -15 -13 -13 -13 -13
Other Financing Activities, Net		 -0.37 -0.24 -0.08 -1.30 -0.28 -0.11 -0.06 -1.43 -0.41 -0.06
Cash Interest Paid		 52 55 53 55 52 37 24 17 6.15 6.00
Cash Income Taxes Paid		 6.20 7.90 5.71 3.50 0.97 5.35 6.25 15 21 18

Annual Balance Sheets for NBT Bancorp

This table presents NBT Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Total Assets		 13,787 13,309 11,739 12,012 10,933 9,716 9,556 9,137 8,867 8,263 7,807
Cash and Due from Banks		 205 174 166 158 160 171 176 157 148 131 140
Interest Bearing Deposits at Other Banks		 79 31 31 1,111 513 46 5.41 2.81 1.39 9.70 7.00
Trading Account Securities		 2,470 2,377 2,478 1,688 1,996 1,633 1,805 1,751 1,875 1,654 1,475
Loans and Leases, Net of Allowance		 -116 -114 -101 7,406 -110 7,063 6,815 6,514 6,133 5,820 5,529
Allowance for Loan and Lease Losses		 116 114 101 92 110 73 73 70 65 63 66
Premises and Equipment, Net		 81 81 69 72 74 76 79 81 84 89 89
Goodwill		 363 362 281 281 281 275 275 268 265 266 264
Intangible Assets		 36 40 7.34 8.93 12 12 16 13 16 17 20
Other Assets		 10,669 10,358 8,807 1,228 8,007 429 379 348 344 276 283
Total Liabilities & Shareholders' Equity		 13,787 13,309 11,739 2,225 10,933 9,716 9,556 9,137 8,867 8,263 7,807
Total Liabilities		 12,261 11,883 10,566 10,762 9,745 8,596 8,538 8,179 7,954 7,381 6,943
Non-Interest Bearing Deposits		 3,446 3,414 3,617 - 3,241 2,414 2,361 2,287 2,196 1,998 1,839
Interest Bearing Deposits		 8,101 7,555 5,879 501 5,841 5,173 5,007 4,884 4,778 4,607 4,461
Short-Term Debt		 163 387 585 98 168 655 872 719 682 442 317
Long-Term Debt		 252 251 203 - 238 165 175 190 205 232 232
Other Long-Term Liabilities		 299 277 282 216 257 187 124 99 93 102 95
Total Equity & Noncontrolling Interests		 1,526 1,426 1,174 1,410 1,188 1,120 1,018 958 913 882 864
Total Preferred & Common Equity		 1,526 1,426 1,174 1,250 1,188 1,120 1,018 958 913 882 864
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 1,526 1,426 1,174 1,410 1,188 1,120 1,018 958 913 882 864
Common Stock		 743 741 578 577 579 577 576 575 576 577 577
Retained Earnings		 1,100 1,022 958 856 749 696 621 544 502 462 424
Treasury Stock		 -175 -177 -173 - -140 -134 -136 -138 -143 -135 -120
Accumulated Other Comprehensive Income / (Loss)		 -142 -161 -190 -23 0.42 -19 -43 -22 -22 -22 -17

Quarterly Balance Sheets for NBT Bancorp

This table presents NBT Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023 9/30/2022
Total Assets		 13,840 13,502 13,439 13,828 11,890 11,840 11,641
Cash and Due from Banks		 251 172 162 213 170 162 224
Interest Bearing Deposits at Other Banks		 232 35 157 459 32 68 97
Trading Account Securities		 2,410 2,362 2,352 2,353 2,403 2,452 2,517
Loans and Leases, Net of Allowance		 -120 -121 -115 -115 -100 -100 -97
Allowance for Loan and Lease Losses		 120 121 115 115 100 100 97
Premises and Equipment, Net		 80 79 80 83 67 68 69
Goodwill		 362 362 362 360 281 281 281
Intangible Assets		 36 37 39 43 6.50 6.96 7.88
Other Assets		 10,589 10,576 10,402 10,431 9,032 8,902 8,542
Total Liabilities & Shareholders' Equity		 13,840 13,502 13,439 13,828 11,890 11,840 11,641
Total Liabilities		 12,318 12,040 11,998 12,465 10,680 10,628 10,484
Non-Interest Bearing Deposits		 3,476 3,334 3,360 3,716 3,327 3,429 3,714
Interest Bearing Deposits		 8,112 7,938 7,836 7,685 6,203 6,252 6,204
Short-Term Debt		 205 225 267 490 652 475 75
Long-Term Debt		 252 251 251 250 228 228 203
Other Long-Term Liabilities		 273 292 284 323 270 244 288
Total Equity & Noncontrolling Interests		 1,522 1,462 1,441 1,363 1,210 1,212 1,157
Total Preferred & Common Equity		 1,522 1,462 1,441 1,363 1,210 1,212 1,157
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 1,522 1,462 1,441 1,363 1,210 1,212 1,157
Common Stock		 743 742 741 741 579 578 578
Retained Earnings		 1,080 1,058 1,041 1,006 997 980 935
Treasury Stock		 -176 -176 -176 -177 -175 -173 -173
Accumulated Other Comprehensive Income / (Loss)		 -126 -163 -164 -208 -190 -174 -184

Annual Metrics And Ratios for NBT Bancorp

This table displays calculated financial ratios and metrics derived from NBT Bancorp's official financial filings.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 10.87% 0.51% 8.12% 3.66% 1.40% 5.85% 6.32% 6.48% 2.44% -1.80% 10.73%
EBITDA Growth		 17.32% -18.35% -3.05% 42.83% -11.66% 16.06% 5.73% 6.52% 3.27% 2.95% 19.54%
EBIT Growth		 16.94% -21.77% -1.85% 50.17% -14.38% 13.45% 6.90% 7.88% 1.86% 3.85% 24.86%
NOPAT Growth		 18.40% -21.85% -1.87% 48.37% -13.74% 7.51% 37.02% 4.77% 2.60% 1.80% 21.58%
Net Income Growth		 18.40% -21.85% -1.87% 48.37% -13.74% 7.51% 37.02% 4.77% 2.60% 1.80% 21.58%
EPS Growth		 12.08% -24.72% -0.57% 49.37% -13.50% 7.03% 36.90% 3.89% 4.65% 1.78% 15.75%
Operating Cash Flow Growth		 19.76% -14.06% 15.10% 9.58% -5.34% 3.85% 7.94% 23.82% -11.19% 41.78% -26.39%
Free Cash Flow Firm Growth		 1,426.01% 103.73% -215.03% -11.11% 84.53% 388.99% -660.67% 109.10% -148.97% -119.32% 179.62%
Invested Capital Growth		 -5.91% 5.18% 45.49% -15.44% -17.86% -5.98% 10.56% 3.73% 15.69% 10.12% -16.02%
Revenue Q/Q Growth		 1.92% 0.73% 1.49% 1.71% 1.05% 1.92% -0.02% 2.38% -0.12% 1.34% 0.99%
EBITDA Q/Q Growth		 2.81% -2.66% -1.03% -0.59% 8.81% 5.60% -2.62% 2.33% 0.55% 1.79% 0.21%
EBIT Q/Q Growth		 3.32% -4.30% -0.71% 2.28% 5.13% 5.24% -2.79% 2.90% 0.10% 1.88% 0.65%
NOPAT Q/Q Growth		 4.12% -4.56% -0.78% 2.05% 5.28% 0.26% 10.85% -2.34% 0.62% 0.81% 0.79%
Net Income Q/Q Growth		 4.12% -4.56% -0.78% 2.05% 5.28% 0.26% 10.85% -2.34% 0.62% 0.81% 0.79%
EPS Q/Q Growth		 4.95% -7.34% -0.28% 2.02% 5.33% 0.37% 10.82% -2.60% 1.12% 1.18% -1.17%
Operating Cash Flow Q/Q Growth		 7.72% 3.93% 4.16% -8.86% -7.42% 1.00% 5.46% 7.58% -0.68% 1.97% -4.36%
Free Cash Flow Firm Q/Q Growth		 1.05% 103.16% -268.64% 91.08% 111.19% -34.67% -62.80% 145.09% -2.70% -194.09% 83.14%
Invested Capital Q/Q Growth		 -1.90% -1.92% 36.74% -13.28% -1.15% 12.38% 4.23% 2.19% 5.30% 5.83% -3.56%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 36.38% 34.38% 42.32% 47.19% 34.25% 39.32% 35.86% 36.06% 36.05% 35.76% 34.11%
EBIT Margin		 31.10% 29.49% 37.88% 41.73% 28.81% 34.12% 31.83% 31.66% 31.25% 31.43% 29.72%
Profit (Net Income) Margin		 24.38% 22.83% 29.36% 32.34% 22.60% 26.56% 26.15% 20.29% 20.63% 20.59% 19.87%
Tax Burden Percent		 78.37% 77.40% 77.49% 77.50% 78.44% 77.86% 82.16% 64.10% 66.00% 65.53% 66.85%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 21.63% 22.60% 22.51% 22.50% 21.56% 22.14% 17.84% 35.90% 34.00% 34.47% 33.15%
Return on Invested Capital (ROIC)		 7.02% 5.90% 9.18% 10.53% 5.91% 6.04% 5.73% 4.48% 4.67% 5.15% 4.85%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.02% 5.90% 9.18% 10.53% 5.91% 6.04% 5.73% 4.48% 4.67% 5.15% 4.85%
Return on Net Nonoperating Assets (RNNOA)		 2.50% 3.24% 2.58% 1.40% 3.14% 5.28% 5.67% 4.30% 4.06% 3.61% 4.08%
Return on Equity (ROE)		 9.53% 9.14% 11.76% 11.92% 9.05% 11.32% 11.39% 8.78% 8.73% 8.75% 8.93%
Cash Return on Invested Capital (CROIC)		 13.12% 0.86% -27.87% 27.25% 25.52% 12.21% -4.30% 0.82% -9.88% -4.48% 22.26%
Operating Return on Assets (OROA)		 1.32% 1.23% 1.65% 1.74% 1.29% 1.61% 1.47% 1.42% 1.39% 1.45% 1.45%
Return on Assets (ROA)		 1.04% 0.95% 1.28% 1.35% 1.01% 1.26% 1.20% 0.91% 0.92% 0.95% 0.97%
Return on Common Equity (ROCE)		 9.53% 9.14% 11.76% 11.92% 9.05% 11.32% 11.39% 8.78% 8.73% 8.75% 8.93%
Return on Equity Simple (ROE_SIMPLE)		 9.22% 8.33% 12.95% 12.39% 8.79% 10.80% 11.06% 8.57% 8.59% 8.66% 8.69%
Net Operating Profit after Tax (NOPAT)		 141 119 152 155 104 121 113 82 78 76 75
NOPAT Margin		 24.38% 22.83% 29.36% 32.34% 22.60% 26.56% 26.15% 20.29% 20.63% 20.59% 19.87%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 53.09% 50.71% 48.80% 49.25% 48.12% 48.13% 43.95% 47.45% 49.02% 48.61% 45.89%
Operating Expenses to Revenue		 65.50% 65.65% 58.80% 59.99% 60.12% 60.30% 61.47% 60.68% 62.06% 63.64% 65.11%
Earnings before Interest and Taxes (EBIT)		 179 153 196 200 133 155 137 128 119 117 112
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 210 179 219 226 158 179 154 146 137 133 129
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.48 1.34 1.48 1.09 1.06 1.37 1.25 1.37 1.58 1.06 1.00
Price to Tangible Book Value (P/TBV)		 2.00 1.87 1.97 1.37 1.40 1.84 1.75 1.94 2.29 1.57 1.49
Price to Revenue (P/Rev)		 3.91 3.67 3.36 3.21 2.71 3.38 2.95 3.25 3.81 2.53 2.28
Price to Earnings (P/E)		 16.02 16.09 11.45 9.94 12.00 12.71 11.30 16.00 18.45 12.27 11.50
Dividend Yield		 2.76% 3.05% 2.85% 3.10% 3.76% 2.99% 3.40% 3.05% 2.69% 4.01% 4.25%
Earnings Yield		 6.24% 6.21% 8.73% 10.06% 8.33% 7.87% 8.85% 6.25% 5.42% 8.15% 8.70%
Enterprise Value to Invested Capital (EV/IC)		 1.23 1.14 1.19 0.27 0.62 1.10 1.04 1.11 1.21 0.95 0.90
Enterprise Value to Revenue (EV/Rev)		 4.13 4.50 4.50 0.77 2.14 4.70 4.97 5.10 5.75 3.97 3.35
Enterprise Value to EBITDA (EV/EBITDA)		 11.36 13.10 10.64 1.63 6.24 11.96 13.85 14.14 15.94 11.09 9.82
Enterprise Value to EBIT (EV/EBIT)		 13.29 15.27 11.89 1.84 7.42 13.78 15.60 16.10 18.39 12.62 11.27
Enterprise Value to NOPAT (EV/NOPAT)		 16.95 19.73 15.34 2.38 9.46 17.70 18.99 25.12 27.86 19.26 16.86
Enterprise Value to Operating Cash Flow (EV/OCF)		 12.64 14.88 12.72 2.31 6.80 13.96 14.46 15.08 19.76 11.82 14.41
Enterprise Value to Free Cash Flow (EV/FCFF)		 9.08 136.19 0.00 0.92 2.19 8.76 0.00 136.79 0.00 0.00 3.67
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.27 0.45 0.67 0.07 0.34 0.73 1.03 0.95 0.97 0.76 0.64
Long-Term Debt to Equity		 0.17 0.18 0.17 0.00 0.20 0.15 0.17 0.20 0.22 0.26 0.27
Financial Leverage		 0.36 0.55 0.28 0.13 0.53 0.87 0.99 0.96 0.87 0.70 0.84
Leverage Ratio		 9.18 9.64 9.19 8.83 8.95 9.01 9.46 9.62 9.54 9.20 9.20
Compound Leverage Factor		 9.18 9.64 9.19 8.83 8.95 9.01 9.46 9.62 9.54 9.20 9.20
Debt to Total Capital		 21.38% 30.90% 40.17% 6.48% 25.51% 42.28% 50.70% 48.69% 49.27% 43.32% 38.85%
Short-Term Debt to Total Capital		 8.39% 18.74% 29.82% 6.48% 10.56% 33.76% 42.22% 38.51% 37.87% 28.43% 22.42%
Long-Term Debt to Total Capital		 12.98% 12.15% 10.35% 0.00% 14.95% 8.52% 8.47% 10.18% 11.40% 14.89% 16.43%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 78.62% 69.11% 59.83% 93.52% 74.49% 57.72% 49.30% 51.31% 50.73% 56.68% 61.15%
Debt to EBITDA		 1.98 3.56 3.60 0.43 2.57 4.58 6.78 6.23 6.47 5.08 4.26
Net Debt to EBITDA		 0.62 2.42 2.70 -5.18 -1.68 3.37 5.61 5.14 5.38 4.02 3.12
Long-Term Debt to EBITDA		 1.20 1.40 0.93 0.00 1.51 0.92 1.13 1.30 1.50 1.75 1.80
Debt to NOPAT		 2.95 5.37 5.18 0.63 3.90 6.78 9.30 11.07 11.31 8.82 7.31
Net Debt to NOPAT		 0.93 3.64 3.89 -7.56 -2.55 4.99 7.69 9.12 9.41 6.99 5.36
Long-Term Debt to NOPAT		 1.79 2.11 1.34 0.00 2.28 1.37 1.55 2.31 2.62 3.03 3.09
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 263 17 -461 401 451 244 -85 15 -166 -67 345
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 1.24 0.12 -21.08 21.34 13.84 4.37 -2.19 0.58 -7.37 -3.23 14.85
Operating Cash Flow to Interest Expense		 0.89 1.09 8.37 8.47 4.46 2.74 3.83 5.28 4.91 6.04 3.78
Operating Cash Flow Less CapEx to Interest Expense		 0.89 1.09 8.37 8.47 4.46 2.74 3.83 5.28 4.91 6.04 3.78
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.05 0.05 0.05 0.04 0.05 0.05
Fixed Asset Turnover		 7.14 6.95 7.34 6.55 6.17 5.89 5.37 4.89 4.39 4.17 4.26
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,941 2,063 1,962 1,348 1,594 1,941 2,065 1,867 1,800 1,556 1,413
Invested Capital Turnover		 0.29 0.26 0.31 0.33 0.26 0.23 0.22 0.22 0.23 0.25 0.24
Increase / (Decrease) in Invested Capital		 -122 102 613 -246 -347 -123 197 67 244 143 -270
Enterprise Value (EV)		 2,384 2,344 2,331 368 987 2,142 2,137 2,064 2,184 1,472 1,266
Market Capitalization		 2,253 1,911 1,741 1,539 1,253 1,538 1,272 1,314 1,447 938 863
Book Value per Share		 $32.35 $30.28 $27.39 $32.53 $27.22 $25.58 $23.31 $22.01 $21.16 $20.37 $19.76
Tangible Book Value per Share		 $23.89 $21.73 $20.66 $25.86 $20.52 $19.04 $16.66 $15.54 $14.64 $13.83 $13.27
Total Capital		 1,941 2,063 1,962 1,508 1,594 1,941 2,065 1,867 1,800 1,556 1,413
Total Debt		 415 637 788 98 407 821 1,047 909 887 674 549
Total Long-Term Debt		 252 251 203 0.00 238 165 175 190 205 232 232
Net Debt		 131 432 591 -1,171 -266 604 866 750 738 534 402
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 415 637 788 -62 407 821 1,047 909 887 674 549
Total Depreciation and Amortization (D&A)		 30 25 23 26 25 24 17 18 18 16 17
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.98 $2.67 $3.54 $3.57 $2.39 $2.76 $2.58 $1.89 $1.81 $1.74 $1.71
Adjusted Weighted Average Basic Shares Outstanding		 47.25M 47.15M 42.90M 43.17M 43.58M 43.84M 43.73M 43.59M 43.39M 43.13M 44.21M
Adjusted Diluted Earnings per Share		 $2.97 $2.65 $3.52 $3.54 $2.37 $2.74 $2.56 $1.87 $1.80 $1.72 $1.69
Adjusted Weighted Average Diluted Shares Outstanding		 47.25M 47.15M 42.90M 43.17M 43.58M 43.84M 43.73M 43.59M 43.39M 43.13M 44.21M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 47.25M 47.15M 42.90M 43.17M 43.58M 43.84M 43.73M 43.59M 43.39M 43.13M 44.21M
Normalized Net Operating Profit after Tax (NOPAT)		 142 127 153 155 104 121 113 82 78 76 75
Normalized NOPAT Margin		 24.58% 24.31% 29.50% 32.34% 22.60% 26.56% 26.15% 20.29% 20.63% 20.59% 19.87%
Pre Tax Income Margin		 31.10% 29.49% 37.88% 41.73% 28.81% 34.12% 31.83% 31.66% 31.25% 31.43% 29.72%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.85 1.06 8.97 10.64 4.08 2.78 3.55 4.95 5.28 5.66 4.84
NOPAT to Interest Expense		 0.66 0.82 6.95 8.24 3.20 2.16 2.91 3.17 3.48 3.71 3.24
EBIT Less CapEx to Interest Expense		 0.85 1.06 8.97 10.64 4.08 2.78 3.55 4.95 5.28 5.66 4.84
NOPAT Less CapEx to Interest Expense		 0.66 0.82 6.95 8.24 3.20 2.16 2.91 3.17 3.48 3.71 3.24
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 44.27% 47.05% 32.74% 30.82% 45.22% 38.02% 38.44% 48.82% 49.59% 49.92% 49.16%
Augmented Payout Ratio		 44.45% 51.21% 42.42% 44.84% 52.87% 38.02% 38.44% 48.82% 71.51% 84.98% 49.25%

Quarterly Metrics And Ratios for NBT Bancorp

This table displays calculated financial ratios and metrics derived from NBT Bancorp's official financial filings.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 7.90% 9.11% 15.91% 11.14% 2.83% 2.64% -6.28% 2.82% 6.00% 11.57%
EBITDA Growth		 12.10% 46.35% 12.09% 4.23% -9.33% -31.45% -18.93% -13.09% -4.16% 2.36%
EBIT Growth		 14.49% 53.87% 8.23% -0.07% -14.78% -37.19% -20.52% -13.97% -2.92% 4.12%
NOPAT Growth		 18.26% 54.83% 8.79% 0.49% -15.71% -36.86% -20.39% -13.98% -3.19% 4.11%
Net Income Growth		 18.26% 54.83% 8.79% 0.49% -15.71% -36.86% -20.39% -13.98% -3.19% 4.11%
EPS Growth		 22.22% 48.15% -1.43% -8.97% -25.00% -40.00% -20.45% -13.33% -1.18% 4.65%
Operating Cash Flow Growth		 37.92% -4.58% 11.46% 68.19% 20.04% 10.54% -34.02% -38.29% 32.69% 20.22%
Free Cash Flow Firm Growth		 322.08% 125.28% 130.61% 97.28% 87.68% -504.49% -638.76% -791.99% -303.64% 66.79%
Invested Capital Growth		 -5.91% -5.93% -7.32% 2.33% 5.18% 46.64% 43.78% 29.29% 45.49% -7.74%
Revenue Q/Q Growth		 0.74% 5.01% -0.11% 2.11% 1.87% 11.56% -4.23% -5.52% 1.69% 1.86%
EBITDA Q/Q Growth		 -5.69% 13.74% -2.62% 7.31% 23.13% -12.89% -9.44% -6.65% -6.90% 3.02%
EBIT Q/Q Growth		 -6.62% 16.36% -3.00% 8.62% 25.50% -18.15% -10.44% -7.37% -7.51% 3.57%
NOPAT Q/Q Growth		 -5.49% 16.45% -3.27% 11.09% 23.73% -18.18% -10.65% -6.82% -7.32% 3.17%
Net Income Q/Q Growth		 -5.49% 16.45% -3.27% 11.09% 23.73% -18.18% -10.65% -6.82% -7.32% 3.17%
EPS Q/Q Growth		 -3.75% 15.94% -2.82% 12.70% 16.67% -22.86% -10.26% -7.14% -6.67% 2.27%
Operating Cash Flow Q/Q Growth		 -5.68% 3.19% 37.48% 3.06% -34.74% 20.54% 107.46% -26.45% -39.90% -28.05%
Free Cash Flow Firm Q/Q Growth		 -3.02% -12.29% 1,807.49% 84.71% 88.96% -6.23% -51.57% 30.66% -462.28% 41.49%
Invested Capital Q/Q Growth		 -1.90% 2.10% -1.10% -5.02% -1.92% 0.59% 9.20% -2.38% 36.74% -1.37%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 35.78% 38.21% 35.28% 36.19% 34.44% 28.49% 36.49% 38.59% 39.06% 42.66%
EBIT Margin		 30.67% 33.08% 29.86% 30.74% 28.90% 23.46% 31.97% 34.19% 34.87% 38.34%
Profit (Net Income) Margin		 24.24% 25.84% 23.30% 24.06% 22.12% 18.21% 24.83% 26.61% 26.98% 29.60%
Tax Burden Percent		 79.05% 78.10% 78.05% 78.27% 76.53% 77.62% 77.65% 77.83% 77.37% 77.22%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 20.95% 21.90% 21.95% 21.73% 23.47% 22.38% 22.35% 22.17% 22.63% 22.78%
Return on Invested Capital (ROIC)		 6.99% 7.17% 6.41% 6.64% 5.72% 5.32% 7.19% 8.17% 8.44% 10.11%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.99% 7.17% 6.41% 6.64% 5.72% 5.32% 7.19% 8.17% 8.44% 10.11%
Return on Net Nonoperating Assets (RNNOA)		 2.49% 2.97% 3.25% 3.06% 3.14% 2.15% 3.43% 3.32% 2.37% 2.49%
Return on Equity (ROE)		 9.48% 10.14% 9.66% 9.70% 8.86% 7.47% 10.62% 11.49% 10.81% 12.60%
Cash Return on Invested Capital (CROIC)		 13.12% 12.73% 13.63% 3.83% 0.86% -30.78% -28.08% -16.92% -27.87% 18.30%
Operating Return on Assets (OROA)		 1.31% 1.35% 1.30% 1.30% 1.20% 0.95% 1.39% 1.49% 1.52% 1.66%
Return on Assets (ROA)		 1.03% 1.06% 1.02% 1.02% 0.92% 0.74% 1.08% 1.16% 1.18% 1.28%
Return on Common Equity (ROCE)		 9.48% 10.14% 9.66% 9.70% 8.86% 7.47% 10.62% 11.49% 10.81% 12.60%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 8.88% 8.32% 8.25% 0.00% 9.13% 11.47% 12.09% 0.00% 13.25%
Net Operating Profit after Tax (NOPAT)		 36 38 33 34 30 25 30 34 36 39
NOPAT Margin		 24.24% 25.84% 23.30% 24.06% 22.12% 18.21% 24.83% 26.61% 26.98% 29.60%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 54.36% 52.92% 52.12% 52.90% 49.81% 49.35% 52.49% 51.42% 47.63% 49.00%
Operating Expenses to Revenue		 67.85% 64.94% 63.81% 65.29% 67.38% 67.19% 65.05% 62.72% 59.39% 58.26%
Earnings before Interest and Taxes (EBIT)		 46 49 42 43 40 32 39 43 47 50
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 53 56 50 51 47 38 44 49 52 56
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.48 1.37 1.24 1.19 1.34 0.96 1.09 1.14 1.48 1.33
Price to Tangible Book Value (P/TBV)		 2.00 1.86 1.71 1.65 1.87 1.36 1.43 1.50 1.97 1.77
Price to Revenue (P/Rev)		 3.91 3.69 3.29 3.21 3.67 2.54 2.57 2.65 3.36 3.00
Price to Earnings (P/E)		 16.02 15.45 14.97 14.42 16.09 10.52 9.49 9.43 11.45 10.00
Dividend Yield		 2.76% 2.94% 3.32% 3.46% 3.05% 3.98% 3.91% 3.66% 2.85% 3.19%
Earnings Yield		 6.24% 6.47% 6.68% 6.94% 6.21% 9.50% 10.54% 10.60% 8.73% 10.00%
Enterprise Value to Invested Capital (EV/IC)		 1.23 1.04 1.08 0.98 1.14 0.66 0.95 0.97 1.19 1.04
Enterprise Value to Revenue (EV/Rev)		 4.13 3.64 3.77 3.58 4.50 2.67 3.89 3.56 4.50 2.92
Enterprise Value to EBITDA (EV/EBITDA)		 11.36 10.09 11.21 10.58 13.10 7.50 9.91 8.76 10.64 6.73
Enterprise Value to EBIT (EV/EBIT)		 13.29 11.86 13.34 12.47 15.27 8.59 11.14 9.81 11.89 7.54
Enterprise Value to NOPAT (EV/NOPAT)		 16.95 15.25 17.18 16.09 19.73 11.07 14.38 12.67 15.34 9.72
Enterprise Value to Operating Cash Flow (EV/OCF)		 12.64 11.77 11.76 11.10 14.88 9.09 13.64 10.94 12.72 8.47
Enterprise Value to Free Cash Flow (EV/FCFF)		 9.08 7.93 7.61 25.77 136.19 0.00 0.00 0.00 0.00 5.45
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.27 0.30 0.33 0.36 0.45 0.54 0.73 0.58 0.67 0.24
Long-Term Debt to Equity		 0.17 0.17 0.17 0.17 0.18 0.18 0.19 0.19 0.17 0.18
Financial Leverage		 0.36 0.42 0.51 0.46 0.55 0.40 0.48 0.41 0.28 0.25
Leverage Ratio		 9.18 9.59 9.50 9.53 9.64 10.11 9.84 9.94 9.19 9.86
Compound Leverage Factor		 9.18 9.59 9.50 9.53 9.64 10.11 9.84 9.94 9.19 9.86
Debt to Total Capital		 21.38% 23.08% 24.57% 26.44% 30.90% 35.21% 42.11% 36.72% 40.17% 19.37%
Short-Term Debt to Total Capital		 8.39% 10.36% 11.59% 13.63% 18.74% 23.30% 31.20% 24.82% 29.82% 5.20%
Long-Term Debt to Total Capital		 12.98% 12.72% 12.97% 12.81% 12.15% 11.91% 10.91% 11.91% 10.35% 14.18%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 78.62% 76.92% 75.43% 73.56% 69.11% 64.79% 57.89% 63.28% 59.83% 80.63%
Debt to EBITDA		 1.98 2.24 2.56 2.86 3.56 4.03 4.37 3.32 3.60 1.26
Net Debt to EBITDA		 0.62 -0.13 1.44 1.10 2.42 0.37 3.37 2.24 2.70 -0.20
Long-Term Debt to EBITDA		 1.20 1.23 1.35 1.39 1.40 1.36 1.13 1.08 0.93 0.92
Debt to NOPAT		 2.95 3.38 3.92 4.36 5.37 5.95 6.34 4.80 5.18 1.81
Net Debt to NOPAT		 0.93 -0.19 2.21 1.67 3.64 0.55 4.89 3.23 3.89 -0.28
Long-Term Debt to NOPAT		 1.79 1.86 2.07 2.11 2.11 2.01 1.64 1.56 1.34 1.33
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 158 163 186 -11 -71 -644 -607 -400 -577 159
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 3.06 2.99 3.46 -0.21 -1.37 -15.27 -19.25 -20.93 -61.44 33.64
Operating Cash Flow to Interest Expense		 0.95 0.96 0.94 0.71 0.69 1.29 1.44 1.14 3.16 10.44
Operating Cash Flow Less CapEx to Interest Expense		 0.95 0.96 0.94 0.71 0.69 1.29 1.44 1.14 3.16 10.44
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 7.14 6.95 7.61 7.22 6.95 6.79 7.53 7.51 7.34 7.22
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 1,941 1,979 1,938 1,960 2,063 2,103 2,091 1,915 1,962 1,434
Invested Capital Turnover		 0.29 0.28 0.27 0.28 0.26 0.29 0.29 0.31 0.31 0.34
Increase / (Decrease) in Invested Capital		 -122 -125 -153 45 102 669 637 434 613 -120
Enterprise Value (EV)		 2,384 2,061 2,089 1,914 2,344 1,378 1,996 1,856 2,331 1,489
Market Capitalization		 2,253 2,086 1,820 1,715 1,911 1,310 1,318 1,382 1,741 1,533
Book Value per Share		 $32.35 $32.27 $31.01 $30.57 $30.28 $31.87 $28.21 $28.24 $27.39 $27.00
Tangible Book Value per Share		 $23.89 $23.83 $22.55 $22.07 $21.73 $22.45 $21.51 $21.53 $20.66 $20.25
Total Capital		 1,941 1,979 1,938 1,960 2,063 2,103 2,091 1,915 1,962 1,434
Total Debt		 415 457 476 518 637 741 881 703 788 278
Total Long-Term Debt		 252 252 251 251 251 250 228 228 203 203
Net Debt		 131 -26 269 199 432 68 679 473 591 -43
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 415 457 476 518 637 741 881 703 788 278
Total Depreciation and Amortization (D&A)		 7.59 7.57 7.62 7.66 7.62 6.80 5.47 5.56 5.60 5.69
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.76 $0.81 $0.69 $0.72 $0.65 $0.54 $0.70 $0.78 $0.84 $0.91
Adjusted Weighted Average Basic Shares Outstanding		 47.25M 47.18M 47.17M 47.15M 47.15M 47.09M 42.76M 42.90M 42.90M 42.84M
Adjusted Diluted Earnings per Share		 $0.77 $0.80 $0.69 $0.71 $0.63 $0.54 $0.70 $0.78 $0.84 $0.90
Adjusted Weighted Average Diluted Shares Outstanding		 47.25M 47.18M 47.17M 47.15M 47.15M 47.09M 42.76M 42.90M 42.90M 42.84M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 47.25M 47.18M 47.17M 47.15M 47.15M 47.09M 42.76M 42.90M 42.90M 42.84M
Normalized Net Operating Profit after Tax (NOPAT)		 37 39 33 34 31 31 31 34 37 39
Normalized NOPAT Margin		 24.77% 26.13% 23.30% 24.06% 22.26% 22.76% 25.59% 26.99% 27.54% 29.60%
Pre Tax Income Margin		 30.67% 33.08% 29.86% 30.74% 28.90% 23.46% 31.97% 34.19% 34.87% 38.34%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 0.88 0.89 0.78 0.83 0.77 0.75 1.23 2.26 4.97 10.66
NOPAT to Interest Expense		 0.70 0.70 0.61 0.65 0.59 0.58 0.95 1.76 3.85 8.23
EBIT Less CapEx to Interest Expense		 0.88 0.89 0.78 0.83 0.77 0.75 1.23 2.26 4.97 10.66
NOPAT Less CapEx to Interest Expense		 0.70 0.70 0.61 0.65 0.59 0.58 0.95 1.76 3.85 8.23
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 44.27% 45.38% 49.61% 48.85% 47.05% 43.12% 37.05% 34.50% 32.74% 32.01%
Augmented Payout Ratio		 44.45% 45.56% 51.60% 53.06% 51.21% 47.10% 39.05% 38.98% 42.42% 46.59%

Frequently Asked Questions About NBT Bancorp's Financials

When does NBT Bancorp's financial year end?

According to the most recent income statement we have on file, NBT Bancorp's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has NBT Bancorp's net income changed over the last 10 years?

NBT Bancorp's net income appears to be on an upward trend, with a most recent value of $140.64 million in 2024, rising from $75.07 million in 2014. The previous period was $118.78 million in 2023. Check out NBT Bancorp's forecast to explore projected trends and price targets.

How has NBT Bancorp revenue changed over the last 10 years?

Over the last 10 years, NBT Bancorp's total revenue changed from $377.91 million in 2014 to $576.95 million in 2024, a change of 52.7%.

How much debt does NBT Bancorp have?

NBT Bancorp's total liabilities were at $12.26 billion at the end of 2024, a 3.2% increase from 2023, and a 76.6% increase since 2014.

How much cash does NBT Bancorp have?

In the past 10 years, NBT Bancorp's cash and equivalents has ranged from $130.59 million in 2015 to $205.08 million in 2024, and is currently $205.08 million as of their latest financial filing in 2024.

How has NBT Bancorp's book value per share changed over the last 10 years?

Over the last 10 years, NBT Bancorp's book value per share changed from 19.76 in 2014 to 32.35 in 2024, a change of 63.7%.


Related Companies

This page (NASDAQ:NBTB) was last updated on 5/21/2025 by MarketBeat.com Staff
From Our Partners
White House to reset Social Security?
Elon Musk's parting DOGE gift looks set to shock America... A single announcement by July 22nd could soon b...
Altimetry | Sponsored
Trump’s treachery
Trump’s Final Reset Inside the shocking plot to re-engineer America’s financial system…and why you need to ...
Porter & Company | Sponsored
Elon Set to Shock the World on June 1st?
Tech legend Jeff Brown recently traveled to the industrial zone of South Memphis to investigate what he believ...
Brownstone Research | Sponsored
Massive new energy source found in Utah
NEW THIS WEEK: Huge Energy Discovery In Utah The Department of Energy say it could power America for millio...
Stansberry Research | Sponsored
Why Elon put $51 million into this
Why Elon Musk Just Invested $51 Million Into Brand New “Miracle Metal” Developed by MIT Scientists
True Market Insiders | Sponsored
3..2..1.. AI 2.0 ignition (don’t sleep on this)
I just put together an urgent new presentation that you need to see right away. In short: I believe we are...
Timothy Sykes | Sponsored
Gold Alert: The Truth About Fort Knox Is Coming
Owning physical gold isn’t the best way to profit. I’ve found a better way to invest in gold—one that’s alr...
Golden Portfolio | Sponsored
URGENT: This Altcoin Opportunity Won’t Wait – Act Now
The July 23rd Crypto Trigger Could Mark the Beginning of Bitcoin’s Next Big Move Bitcoin’s early 2024 ETF r...
Crypto Swap Profits | Sponsored