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NBT Bancorp (NBTB) Financials

NBT Bancorp logo
$46.41 0.00 (0.00%)
Closing price 06/5/2026 04:00 PM Eastern
Extended Trading
$46.41 0.00 (0.00%)
As of 03:59 AM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 76 78 82 113 121 104 155 152 119 141 169
Consolidated Net Income / (Loss)		 76 78 82 113 121 104 155 152 119 141 169
Net Income / (Loss) Continuing Operations		 76 78 82 113 121 104 155 152 119 141 169
Total Pre-Tax Income 		117 119 128 137 155 133 200 196 153 179 219
Total Revenue		 371 380 405 430 456 462 479 518 520 577 697
Net Interest Income / (Expense)		 253 264 283 306 312 316 321 362 378 400 502
Total Interest Income		 273 287 309 344 368 348 340 384 523 612 711
Loans and Leases Interest Income		 242 251 267 301 321 308 302 333 463 553 632
Investment Securities Interest Income		 30 34 39 40 42 38 36 47 50 52 66
Other Interest Income		 1.75 2.07 2.81 3.27 3.65 2.71 1.85 4.07 9.63 7.08 13
Total Interest Expense		 21 23 26 39 56 33 19 22 145 212 209
Deposits Interest Expense		 14 14 14 22 40 22 11 9.92 105 187 192
Short-Term Borrowings Interest Expense		 0.78 2.31 6.00 11 9.69 3.41 0.16 2.62 26 8.67 3.64
Long-Term Debt Interest Expense		 5.58 5.83 5.44 5.93 6.30 7.13 7.92 9.33 14 16 13
Total Non-Interest Income		 118 116 121 125 144 146 158 156 142 177 195
Trust Fees by Commissions		 19 19 20 29 28 29 34 33 35 42 45
Service Charges on Deposit Accounts		 17 17 17 17 17 13 27 29 31 34 37
Other Service Charges		 71 76 77 65 73 84 90 88 79 90 101
Net Realized & Unrealized Capital Gains on Investments		 7.27 -0.64 2.69 -6.34 4.21 -0.39 0.57 -1.13 -9.32 2.79 0.15
Other Non-Interest Income		 4.33 5.20 5.18 20 21 21 6.22 6.04 6.75 8.33 12
Provision for Credit Losses		 18 25 31 29 25 51 -8.26 17 25 20 32
Total Non-Interest Expense		 236 236 246 265 275 278 287 304 342 378 445
Salaries and Employee Benefits		 126 132 135 152 157 162 173 188 194 232 257
Net Occupancy & Equipment Expense		 52 52 54 35 60 58 61 62 67 70 80
Marketing Expense		 2.65 2.56 2.74 2.78 2.77 2.29 2.52 2.82 3.05 3.39 4.01
Property & Liability Insurance Claims		 5.15 5.11 4.77 4.65 1.95 2.69 3.04 3.20 6.26 6.77 7.89
Other Operating Expenses		 46 41 45 67 50 49 46 45 57 55 64
Amortization Expense		 4.86 3.93 3.96 4.04 3.58 3.40 2.81 2.26 4.73 8.44 12
Restructuring Charge		 - - - - - 0.00 0.00 0.97 9.98 1.53 20
Income Tax Expense		 40 40 46 24 34 29 45 44 35 39 50
Basic Earnings per Share		 $1.74 $1.81 $1.89 $2.58 $2.76 $2.39 $3.57 $3.54 $2.67 $2.98 $3.34
Weighted Average Basic Shares Outstanding		 43.90M 43.30M 43.50M 43.60M 43.84M 43.58M 43.17M 42.90M 47.15M 47.25M 52.20M
Diluted Earnings per Share		 $1.72 $1.80 $1.87 $2.56 $2.74 $2.37 $3.54 $3.52 $2.65 $2.97 $3.33
Weighted Average Diluted Shares Outstanding		 43.90M 43.30M 43.50M 43.60M 43.84M 43.58M 43.17M 42.90M 47.15M 47.25M 52.20M
Weighted Average Basic & Diluted Shares Outstanding		 43.90M 43.30M 43.50M 43.60M 43.84M 43.58M 43.17M 42.90M 47.15M 47.25M 52.20M
Cash Dividends to Common per Share		 - - $0.92 $0.99 $1.05 $1.08 $1.10 $1.16 $1.24 $1.32 $1.42

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 25 30 34 33 38 36 37 23 54 56 51
Consolidated Net Income / (Loss)		 25 30 34 33 38 36 37 23 54 56 51
Net Income / (Loss) Continuing Operations		 25 30 34 33 38 36 37 23 54 56 51
Total Pre-Tax Income 		32 40 43 42 49 46 47 31 72 70 67
Total Revenue		 135 138 141 140 147 149 155 171 186 185 184
Net Interest Income / (Expense)		 95 99 95 97 102 106 107 124 135 135 134
Total Interest Income		 137 151 147 151 156 158 154 178 190 189 183
Loans and Leases Interest Income		 122 133 133 137 142 141 138 159 169 166 161
Investment Securities Interest Income		 13 13 12 13 13 14 15 16 17 17 18
Other Interest Income		 2.22 5.59 1.36 1.41 1.38 2.93 1.18 2.19 4.51 5.02 3.71
Total Interest Expense		 42 52 52 54 55 52 47 53 56 53 48
Deposits Interest Expense		 31 43 44 47 49 47 43 48 52 49 45
Short-Term Borrowings Interest Expense		 7.61 4.95 3.42 2.90 1.43 0.92 0.87 1.05 0.82 0.92 0.82
Long-Term Debt Interest Expense		 3.83 4.04 4.00 4.01 4.02 3.90 3.73 4.09 2.89 2.76 2.64
Total Non-Interest Income		 40 38 45 43 46 42 47 47 51 50 50
Trust Fees by Commissions		 9.30 9.15 9.70 10 11 11 11 11 11 12 11
Service Charges on Deposit Accounts		 3.98 12 8.51 8.07 9.25 8.29 9.00 8.68 10 9.06 9.75
Other Service Charges		 21 19 23 23 23 21 24 25 27 25 26
Net Realized & Unrealized Capital Gains on Investments		 -0.18 0.51 2.18 -0.09 0.48 0.22 -0.10 0.11 -0.00 0.14 0.44
Other Non-Interest Income		 5.93 -2.59 2.35 1.83 1.87 2.27 3.40 2.18 3.24 3.58 2.66
Provision for Credit Losses		 13 5.13 5.58 8.90 2.92 2.21 7.55 18 3.10 3.77 5.58
Total Non-Interest Expense		 91 93 92 90 96 101 100 123 111 112 112
Salaries and Employee Benefits		 49 50 56 55 60 62 61 64 67 66 69
Net Occupancy & Equipment Expense		 17 17 18 17 18 18 19 20 20 21 23
Marketing Expense		 0.67 1.21 0.81 0.87 0.71 0.99 1.14 0.97 0.83 1.07 0.92
Property & Liability Insurance Claims		 1.66 1.86 1.74 1.67 1.82 1.55 1.69 1.82 2.26 2.11 2.01
Other Operating Expenses		 13 20 14 13 13 15 14 16 17 18 15
Amortization Expense		 1.61 2.13 2.17 2.13 2.06 2.08 2.11 3.04 3.43 3.36 3.35
Restructuring Charge		 7.92 0.25 0.00 0.00 0.54 0.99 1.22 17 1.13 - 0.00
Income Tax Expense		 7.10 9.34 9.39 9.20 11 9.54 10 8.20 17 14 16
Basic Earnings per Share		 $0.54 $0.65 $0.72 $0.69 $0.81 $0.76 $0.78 $0.45 $1.04 $1.07 $0.98
Weighted Average Basic Shares Outstanding		 47.09M 47.15M 47.15M 47.17M 47.18M 47.25M 47.26M 52.39M 52.32M 52.20M 52.01M
Diluted Earnings per Share		 $0.54 $0.63 $0.71 $0.69 $0.80 $0.77 $0.77 $0.44 $1.03 $1.09 $0.98
Weighted Average Diluted Shares Outstanding		 47.09M 47.15M 47.15M 47.17M 47.18M 47.25M 47.26M 52.39M 52.32M 52.20M 52.01M
Weighted Average Basic & Diluted Shares Outstanding		 47.09M 47.15M 47.15M 47.17M 47.18M 47.25M 47.26M 52.39M 52.32M 52.20M 52.01M
Cash Dividends to Common per Share		 $0.32 - $0.32 $0.32 $0.34 - $0.34 $0.34 $0.37 - $0.37

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -6.34 8.88 10 21 36 456 596 -1,072 7.84 79 203
Net Cash From Operating Activities		 125 111 137 148 153 145 159 183 157 189 235
Net Cash From Continuing Operating Activities		 125 111 137 148 153 145 159 183 157 189 235
Net Income / (Loss) Continuing Operations		 76 78 82 113 121 104 155 152 119 141 169
Consolidated Net Income / (Loss)		 76 78 82 113 121 104 155 152 119 141 169
Provision For Loan Losses		 18 25 31 29 25 51 -8.26 17 25 20 32
Depreciation Expense		 8.65 9.02 9.06 9.28 9.50 9.77 9.90 10 11 12 13
Amortization Expense		 7.42 9.21 8.75 8.05 14 15 16 13 15 19 22
Non-Cash Adjustments to Reconcile Net Income		 -6.90 -3.28 -1.44 -1.40 -9.89 12 -1.61 -21 16 -2.86 23
Changes in Operating Assets and Liabilities, net		 21 -8.22 7.40 -9.55 -6.77 -47 -12 12 -28 0.75 -25
Net Cash From Investing Activities		 -504 -630 -305 -418 -64 -713 -548 -926 -44 -399 169
Net Cash From Continuing Investing Activities		 -504 -630 -305 -418 -64 -713 -548 -926 -44 -399 169
Purchase of Investment Securities		 -968 -1,321 -724 -1,133 -777 -1,361 -1,134 -1,356 -482 -790 -559
Sale and/or Maturity of Investments		 464 691 668 715 713 648 586 430 438 391 728
Net Cash From Financing Activities		 373 528 179 291 -53 1,023 985 -329 -105 289 -201
Net Cash From Continuing Financing Activities		 373 528 179 291 -53 1,023 985 -329 -105 289 -201
Net Change in Deposits		 305 369 197 198 220 1,494 1,153 -739 164 578 88
Issuance of Debt		 126 263 62 178 -206 100 0.00 489 25 0.00 0.00
Issuance of Common Equity		 9.36 6.03 3.31 1.30 0.73 0.18 0.11 0.00 0.09 0.06 0.12
Repayment of Debt		 -0.50 -50 -40 -40 -20 -514 -96 -13 -232 -224 -203
Repurchase of Common Equity		 -27 -17 - 0.00 0.00 -7.98 -22 -15 -4.94 -0.25 -10
Payment of Dividends		 -38 -39 -40 -43 -46 -47 -48 -50 -56 -62 -73
Other Financing Activities, Net		 -1.66 -3.39 -3.58 -1.89 -1.62 -1.54 -2.93 -1.75 -1.88 -1.99 -4.41
Cash Interest Paid		 21 22 26 37 56 32 20 21 130 215 216
Cash Income Taxes Paid		 29 41 34 32 28 46 46 63 28 23 25

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 471 -467 114 -112 275 -198 -30 287 99 -153 229
Net Cash From Operating Activities		 55 36 37 51 52 49 42 46 81 66 53
Net Cash From Continuing Operating Activities		 55 36 37 51 52 49 42 46 81 66 53
Net Income / (Loss) Continuing Operations		 25 30 34 33 38 36 37 23 54 56 51
Consolidated Net Income / (Loss)		 25 30 34 33 38 36 37 23 54 56 51
Provision For Loan Losses		 13 5.13 5.58 8.90 2.92 2.21 7.55 18 3.10 3.77 5.58
Depreciation Expense		 2.66 2.89 2.86 2.87 2.89 2.92 2.96 3.24 3.38 3.43 3.45
Amortization Expense		 4.14 4.73 4.80 4.75 4.68 4.68 4.73 5.63 5.99 5.88 5.77
Non-Cash Adjustments to Reconcile Net Income		 -2.77 10 -1.99 0.23 -2.02 0.93 -6.10 8.34 -2.09 23 0.96
Changes in Operating Assets and Liabilities, net		 13 -18 -8.32 1.06 5.57 2.44 -3.89 -11 16 -25 -14
Net Cash From Investing Activities		 67 48 -13 -180 -58 -148 -113 332 -14 -36 -5.69
Net Cash From Continuing Investing Activities		 67 48 -13 -180 -58 -148 -113 332 -14 -36 -5.69
Purchase of Investment Securities		 -136 -4.65 -90 -298 -160 -242 -192 -50 -149 -167 -106
Sale and/or Maturity of Investments		 202 53 77 117 102 95 65 352 135 162 100
Other Investing Activities, net		 - - - - - - 14 - 0.05 - 0.04
Net Cash From Financing Activities		 350 -551 90 18 281 -100 41 -91 32 -183 182
Net Cash From Continuing Financing Activities		 350 -551 90 18 281 -100 41 -91 32 -183 182
Net Change in Deposits		 563 -432 226 76 317 -42 162 -57 146 -162 244
Issuance of Common Equity		 - 0.09 - - - - 0.00 - - - 0.00
Repayment of Debt		 -128 -104 -120 -42 -20 -42 -102 -16 -92 7.79 -30
Repurchase of Common Equity		 -2.17 - -0.06 -0.19 - - 0.00 - - -10 -11
Payment of Dividends		 -15 -15 -15 -15 -16 -16 -16 -18 -19 -19 -19
Other Financing Activities, Net		 -0.11 -0.28 -1.30 -0.08 -0.24 -0.37 -2.11 -0.09 -2.21 - -1.63
Cash Interest Paid		 37 52 55 53 55 52 50 50 61 55 51
Cash Income Taxes Paid		 5.35 0.97 3.50 5.71 7.90 6.20 1.80 15 0.02 8.23 3.28

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 8,263 8,867 9,137 9,556 9,716 10,933 12,012 11,739 13,309 13,787 15,995
Cash and Due from Banks		 131 148 157 176 171 160 158 166 174 205 185
Interest Bearing Deposits at Other Banks		 9.70 1.39 2.81 5.41 46 513 1,111 31 31 79 302
Trading Account Securities		 1,654 1,875 1,751 1,805 1,633 1,996 1,688 2,478 2,377 2,470 2,675
Loans and Leases, Net of Allowance		 5,820 6,133 6,514 6,815 7,063 -110 7,406 -101 -114 -116 -138
Allowance for Loan and Lease Losses		 63 65 70 73 73 110 92 101 114 116 138
Premises and Equipment, Net		 89 84 81 79 76 74 72 69 81 81 99
Goodwill		 266 265 268 275 275 281 281 281 362 363 453
Intangible Assets		 17 16 13 16 12 12 8.93 7.34 40 36 58
Other Assets		 276 344 348 379 429 8,007 1,228 8,807 10,358 10,669 12,360
Total Liabilities & Shareholders' Equity		 8,263 8,867 9,137 9,556 9,716 10,933 2,225 11,739 13,309 13,787 15,995
Total Liabilities		 7,381 7,954 8,179 8,538 8,596 9,745 10,762 10,566 11,883 12,261 14,099
Non-Interest Bearing Deposits		 1,998 2,196 2,287 2,361 2,414 3,241 - 3,617 3,414 3,446 3,800
Interest Bearing Deposits		 4,607 4,778 4,884 5,007 5,173 5,841 501 5,879 7,555 8,101 9,699
Short-Term Debt		 442 682 719 872 655 168 98 585 387 163 148
Long-Term Debt		 232 205 190 175 165 238 - 203 251 252 179
Other Long-Term Liabilities		 102 93 99 124 187 257 216 282 277 299 272
Total Equity & Noncontrolling Interests		 882 913 958 1,018 1,120 1,188 1,410 1,174 1,426 1,526 1,896
Total Preferred & Common Equity		 882 913 958 1,018 1,120 1,188 1,250 1,174 1,426 1,526 1,896
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		 882 913 958 1,018 1,120 1,188 1,410 1,174 1,426 1,526 1,896
Common Stock		 577 576 575 576 577 579 577 578 741 743 965
Retained Earnings		 462 502 544 621 696 749 856 958 1,022 1,100 1,197
Treasury Stock		 -135 -143 -138 -136 -134 -140 - -173 -177 -175 -183
Accumulated Other Comprehensive Income / (Loss)		 -22 -22 -22 -43 -19 0.42 -23 -190 -161 -142 -83

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 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 11,641 11,840 11,890 13,828 13,439 13,502 13,840 13,864 16,015 16,113 16,204
Cash and Due from Banks		 224 162 170 213 162 172 251 217 265 246 152
Interest Bearing Deposits at Other Banks		 97 68 32 459 157 35 232 37 277 394 565
Trading Account Securities		 2,517 2,452 2,403 2,353 2,352 2,362 2,410 2,597 2,590 2,638 2,715
Loans and Leases, Net of Allowance		 -97 -100 -100 -115 -115 -121 -120 -117 -140 -139 -139
Allowance for Loan and Lease Losses		 97 100 100 115 115 121 120 117 140 139 139
Premises and Equipment, Net		 69 68 67 83 80 79 80 82 96 99 100
Goodwill		 281 281 281 360 362 362 362 363 454 454 453
Intangible Assets		 7.88 6.96 6.50 43 39 37 36 34 64 61 54
Other Assets		 8,542 8,902 9,032 10,431 10,402 10,576 10,589 10,652 12,410 12,359 12,305
Total Liabilities & Shareholders' Equity		 11,641 11,840 11,890 13,828 13,439 13,502 13,840 13,864 16,015 16,113 16,204
Total Liabilities		 10,484 10,628 10,680 12,465 11,998 12,040 12,318 12,298 14,210 14,259 14,290
Non-Interest Bearing Deposits		 3,714 3,429 3,327 3,716 3,360 3,334 3,476 3,399 3,867 3,871 3,847
Interest Bearing Deposits		 6,204 6,252 6,203 7,685 7,836 7,938 8,112 8,309 9,648 9,790 9,896
Short-Term Debt		 75 475 652 490 267 225 205 86 113 139 118
Long-Term Debt		 203 228 228 250 251 251 252 227 298 181 180
Other Long-Term Liabilities		 288 244 270 323 284 292 273 277 283 279 250
Total Equity & Noncontrolling Interests		 1,157 1,212 1,210 1,363 1,441 1,462 1,522 1,566 1,805 1,853 1,914
Total Preferred & Common Equity		 1,157 1,212 1,210 1,363 1,441 1,462 1,522 1,566 1,805 1,853 1,914
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		 1,157 1,212 1,210 1,363 1,441 1,462 1,522 1,566 1,805 1,853 1,914
Common Stock		 578 578 579 741 741 742 743 741 963 965 966
Retained Earnings		 935 980 997 1,006 1,041 1,058 1,080 1,121 1,126 1,161 1,229
Treasury Stock		 -173 -173 -175 -177 -176 -176 -176 -175 -174 -173 -194
Accumulated Other Comprehensive Income / (Loss)		 -184 -174 -190 -208 -164 -163 -126 -122 -109 -99 -87

Annual Metrics And Ratios for NBT Bancorp

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

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 - - - - - - - - - - 52,315,193.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 52,315,193.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 3.23
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -1.80% 2.44% 6.48% 6.32% 5.85% 1.40% 3.66% 8.12% 0.51% 10.87% 20.82%
EBITDA Growth		 2.95% 3.27% 6.52% 5.73% 16.06% -11.66% 42.83% -3.05% -18.35% 17.32% 21.33%
EBIT Growth		 3.85% 1.86% 7.88% 6.90% 13.45% -14.38% 50.17% -1.85% -21.77% 16.94% 22.28%
NOPAT Growth		 1.80% 2.60% 4.77% 37.02% 7.51% -13.74% 48.37% -1.87% -21.85% 18.40% 20.33%
Net Income Growth		 1.80% 2.60% 4.77% 37.02% 7.51% -13.74% 48.37% -1.87% -21.85% 18.40% 20.33%
EPS Growth		 1.78% 4.65% 3.89% 36.90% 7.03% -13.50% 49.37% -0.57% -24.72% 12.08% 12.12%
Operating Cash Flow Growth		 41.78% -11.19% 23.82% 7.94% 3.85% -5.34% 9.58% 15.10% -14.06% 19.76% 24.74%
Free Cash Flow Firm Growth		 -119.32% -148.97% 109.10% -660.67% 388.99% 84.53% -11.11% -215.03% 103.73% 1,426.01% -143.14%
Invested Capital Growth		 10.12% 15.69% 3.73% 10.56% -5.98% -17.86% -15.44% 45.49% 5.18% -5.91% 14.55%
Revenue Q/Q Growth		 1.34% -0.12% 2.38% -0.02% 1.92% 1.05% 1.71% 1.49% 0.73% 1.92% 5.54%
EBITDA Q/Q Growth		 1.79% 0.55% 2.33% -2.62% 5.60% 8.81% -0.59% -1.03% -2.66% 2.81% 11.31%
EBIT Q/Q Growth		 1.88% 0.10% 2.90% -2.79% 5.24% 5.13% 2.28% -0.71% -4.30% 3.32% 12.36%
NOPAT Q/Q Growth		 0.81% 0.62% -2.34% 10.85% 0.26% 5.28% 2.05% -0.78% -4.56% 4.12% 13.03%
Net Income Q/Q Growth		 0.81% 0.62% -2.34% 10.85% 0.26% 5.28% 2.05% -0.78% -4.56% 4.12% 13.03%
EPS Q/Q Growth		 1.18% 1.12% -2.60% 10.82% 0.37% 5.33% 2.02% -0.28% -7.34% 4.95% 10.63%
Operating Cash Flow Q/Q Growth		 1.97% -0.68% 7.58% 5.46% 1.00% -7.42% -8.86% 4.16% 3.93% 7.72% 7.78%
Free Cash Flow Firm Q/Q Growth		 -194.09% -2.70% 145.09% -62.80% -34.67% 111.19% 91.08% -268.64% 103.16% 1.05% -156.71%
Invested Capital Q/Q Growth		 5.83% 5.30% 2.19% 4.23% 12.38% -1.15% -13.28% 36.74% -1.92% -1.90% 2.35%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 35.76% 36.05% 36.06% 35.86% 39.32% 34.25% 47.19% 42.32% 34.38% 36.38% 36.54%
EBIT Margin		 31.43% 31.25% 31.66% 31.83% 34.12% 28.81% 41.73% 37.88% 29.49% 31.10% 31.48%
Profit (Net Income) Margin		 20.59% 20.63% 20.29% 26.15% 26.56% 22.60% 32.34% 29.36% 22.83% 24.38% 24.28%
Tax Burden Percent		 65.53% 66.00% 64.10% 82.16% 77.86% 78.44% 77.50% 77.49% 77.40% 78.37% 77.12%
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		 34.47% 34.00% 35.90% 17.84% 22.14% 21.56% 22.50% 22.51% 22.60% 21.63% 22.88%
Return on Invested Capital (ROIC)		 5.15% 4.67% 4.48% 5.73% 6.04% 5.91% 10.53% 9.18% 5.90% 7.02% 8.13%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.15% 4.67% 4.48% 5.73% 6.04% 5.91% 10.53% 9.18% 5.90% 7.02% 8.13%
Return on Net Nonoperating Assets (RNNOA)		 3.61% 4.06% 4.30% 5.67% 5.28% 3.14% 1.40% 2.58% 3.24% 2.50% 1.76%
Return on Equity (ROE)		 8.75% 8.73% 8.78% 11.39% 11.32% 9.05% 11.92% 11.76% 9.14% 9.53% 9.89%
Cash Return on Invested Capital (CROIC)		 -4.48% -9.88% 0.82% -4.30% 12.21% 25.52% 27.25% -27.87% 0.86% 13.12% -5.44%
Operating Return on Assets (OROA)		 1.45% 1.39% 1.42% 1.47% 1.61% 1.29% 1.74% 1.65% 1.23% 1.32% 1.47%
Return on Assets (ROA)		 0.95% 0.92% 0.91% 1.20% 1.26% 1.01% 1.35% 1.28% 0.95% 1.04% 1.14%
Return on Common Equity (ROCE)		 8.75% 8.73% 8.78% 11.39% 11.32% 9.05% 11.92% 11.76% 9.14% 9.53% 9.89%
Return on Equity Simple (ROE_SIMPLE)		 8.66% 8.59% 8.57% 11.06% 10.80% 8.79% 12.39% 12.95% 8.33% 9.22% 8.92%
Net Operating Profit after Tax (NOPAT)		 76 78 82 113 121 104 155 152 119 141 169
NOPAT Margin		 20.59% 20.63% 20.29% 26.15% 26.56% 22.60% 32.34% 29.36% 22.83% 24.38% 24.28%
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		 48.61% 49.02% 47.45% 43.95% 48.13% 48.12% 49.25% 48.80% 50.71% 53.09% 49.05%
Operating Expenses to Revenue		 63.64% 62.06% 60.68% 61.47% 60.30% 60.12% 59.99% 58.80% 65.65% 65.50% 63.89%
Earnings before Interest and Taxes (EBIT)		 117 119 128 137 155 133 200 196 153 179 219
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 133 137 146 154 179 158 226 219 179 210 255
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.06 1.58 1.37 1.25 1.37 1.06 1.09 1.48 1.34 1.48 1.15
Price to Tangible Book Value (P/TBV)		 1.57 2.29 1.94 1.75 1.84 1.40 1.37 1.97 1.87 2.00 1.57
Price to Revenue (P/Rev)		 2.53 3.81 3.25 2.95 3.38 2.71 3.21 3.36 3.67 3.91 3.12
Price to Earnings (P/E)		 12.27 18.45 16.00 11.30 12.71 12.00 9.94 11.45 16.09 16.02 12.84
Dividend Yield		 4.01% 2.69% 3.05% 3.40% 2.99% 3.76% 3.10% 2.85% 3.05% 2.76% 3.42%
Earnings Yield		 8.15% 5.42% 6.25% 8.85% 7.87% 8.33% 10.06% 8.73% 6.21% 6.24% 7.79%
Enterprise Value to Invested Capital (EV/IC)		 0.95 1.21 1.11 1.04 1.10 0.62 0.27 1.19 1.14 1.23 0.91
Enterprise Value to Revenue (EV/Rev)		 3.97 5.75 5.10 4.97 4.70 2.14 0.77 4.50 4.50 4.13 2.89
Enterprise Value to EBITDA (EV/EBITDA)		 11.09 15.94 14.14 13.85 11.96 6.24 1.63 10.64 13.10 11.36 7.90
Enterprise Value to EBIT (EV/EBIT)		 12.62 18.39 16.10 15.60 13.78 7.42 1.84 11.89 15.27 13.29 9.17
Enterprise Value to NOPAT (EV/NOPAT)		 19.26 27.86 25.12 18.99 17.70 9.46 2.38 15.34 19.73 16.95 11.89
Enterprise Value to Operating Cash Flow (EV/OCF)		 11.82 19.76 15.08 14.46 13.96 6.80 2.31 12.72 14.88 12.64 8.56
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 136.79 0.00 8.76 2.19 0.92 0.00 136.19 9.08 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.76 0.97 0.95 1.03 0.73 0.34 0.07 0.67 0.45 0.27 0.17
Long-Term Debt to Equity		 0.26 0.22 0.20 0.17 0.15 0.20 0.00 0.17 0.18 0.17 0.09
Financial Leverage		 0.70 0.87 0.96 0.99 0.87 0.53 0.13 0.28 0.55 0.36 0.22
Leverage Ratio		 9.20 9.54 9.62 9.46 9.01 8.95 8.83 9.19 9.64 9.18 8.70
Compound Leverage Factor		 9.20 9.54 9.62 9.46 9.01 8.95 8.83 9.19 9.64 9.18 8.70
Debt to Total Capital		 43.32% 49.27% 48.69% 50.70% 42.28% 25.51% 6.48% 40.17% 30.90% 21.38% 14.72%
Short-Term Debt to Total Capital		 28.43% 37.87% 38.51% 42.22% 33.76% 10.56% 6.48% 29.82% 18.74% 8.39% 6.66%
Long-Term Debt to Total Capital		 14.89% 11.40% 10.18% 8.47% 8.52% 14.95% 0.00% 10.35% 12.15% 12.98% 8.07%
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		 56.68% 50.73% 51.31% 49.30% 57.72% 74.49% 93.52% 59.83% 69.11% 78.62% 85.28%
Debt to EBITDA		 5.08 6.47 6.23 6.78 4.58 2.57 0.43 3.60 3.56 1.98 1.29
Net Debt to EBITDA		 4.02 5.38 5.14 5.61 3.37 -1.68 -5.18 2.70 2.42 0.62 -0.63
Long-Term Debt to EBITDA		 1.75 1.50 1.30 1.13 0.92 1.51 0.00 0.93 1.40 1.20 0.70
Debt to NOPAT		 8.82 11.31 11.07 9.30 6.78 3.90 0.63 5.18 5.37 2.95 1.93
Net Debt to NOPAT		 6.99 9.41 9.12 7.69 4.99 -2.55 -7.56 3.89 3.64 0.93 -0.94
Long-Term Debt to NOPAT		 3.03 2.62 2.31 1.55 1.37 2.28 0.00 1.34 2.11 1.79 1.06
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)		 -67 -166 15 -85 244 451 401 -461 17 263 -113
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		 -3.23 -7.37 0.58 -2.19 4.37 13.84 21.34 -21.08 0.12 1.24 -0.54
Operating Cash Flow to Interest Expense		 6.04 4.91 5.28 3.83 2.74 4.46 8.47 8.37 1.09 0.89 1.12
Operating Cash Flow Less CapEx to Interest Expense		 6.04 4.91 5.28 3.83 2.74 4.46 8.47 8.37 1.09 0.89 1.12
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.04 0.05 0.05 0.05 0.04 0.04 0.04 0.04 0.04 0.05
Fixed Asset Turnover		 4.17 4.39 4.89 5.37 5.89 6.17 6.55 7.34 6.95 7.14 7.74
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,556 1,800 1,867 2,065 1,941 1,594 1,348 1,962 2,063 1,941 2,224
Invested Capital Turnover		 0.25 0.23 0.22 0.22 0.23 0.26 0.33 0.31 0.26 0.29 0.33
Increase / (Decrease) in Invested Capital		 143 244 67 197 -123 -347 -246 613 102 -122 283
Enterprise Value (EV)		 1,472 2,184 2,064 2,137 2,142 987 368 2,331 2,344 2,384 2,012
Market Capitalization		 938 1,447 1,314 1,272 1,538 1,253 1,539 1,741 1,911 2,253 2,172
Book Value per Share		 $20.37 $21.16 $22.01 $23.31 $25.58 $27.22 $32.53 $27.39 $30.28 $32.35 $36.25
Tangible Book Value per Share		 $13.83 $14.64 $15.54 $16.66 $19.04 $20.52 $25.86 $20.66 $21.73 $23.89 $26.48
Total Capital		 1,556 1,800 1,867 2,065 1,941 1,594 1,508 1,962 2,063 1,941 2,224
Total Debt		 674 887 909 1,047 821 407 98 788 637 415 327
Total Long-Term Debt		 232 205 190 175 165 238 0.00 203 251 252 179
Net Debt		 534 738 750 866 604 -266 -1,171 591 432 131 -160
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)		 674 887 909 1,047 821 407 -62 788 637 415 327
Total Depreciation and Amortization (D&A)		 16 18 18 17 24 25 26 23 25 30 35
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.74 $1.81 $1.89 $2.58 $2.76 $2.39 $3.57 $3.54 $2.67 $2.98 $3.34
Adjusted Weighted Average Basic Shares Outstanding		 43.13M 43.39M 43.59M 43.73M 43.84M 43.58M 43.17M 42.90M 47.15M 47.25M 52.20M
Adjusted Diluted Earnings per Share		 $1.72 $1.80 $1.87 $2.56 $2.74 $2.37 $3.54 $3.52 $2.65 $2.97 $3.33
Adjusted Weighted Average Diluted Shares Outstanding		 43.13M 43.39M 43.59M 43.73M 43.84M 43.58M 43.17M 42.90M 47.15M 47.25M 52.20M
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		 43.13M 43.39M 43.59M 43.73M 43.84M 43.58M 43.17M 42.90M 47.15M 47.25M 52.20M
Normalized Net Operating Profit after Tax (NOPAT)		 76 78 82 113 121 104 155 153 127 142 184
Normalized NOPAT Margin		 20.59% 20.63% 20.29% 26.15% 26.56% 22.60% 32.34% 29.50% 24.31% 24.58% 26.44%
Pre Tax Income Margin		 31.43% 31.25% 31.66% 31.83% 34.12% 28.81% 41.73% 37.88% 29.49% 31.10% 31.48%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 5.66 5.28 4.95 3.55 2.78 4.08 10.64 8.97 1.06 0.85 1.05
NOPAT to Interest Expense		 3.71 3.48 3.17 2.91 2.16 3.20 8.24 6.95 0.82 0.66 0.81
EBIT Less CapEx to Interest Expense		 5.66 5.28 4.95 3.55 2.78 4.08 10.64 8.97 1.06 0.85 1.05
NOPAT Less CapEx to Interest Expense		 3.71 3.48 3.17 2.91 2.16 3.20 8.24 6.95 0.82 0.66 0.81
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 49.92% 49.59% 48.82% 38.44% 38.02% 45.22% 30.82% 32.74% 47.05% 44.27% 42.90%
Augmented Payout Ratio		 84.98% 71.51% 48.82% 38.44% 38.02% 52.87% 44.84% 42.42% 51.21% 44.45% 48.91%

Quarterly Metrics And Ratios for NBT Bancorp

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

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - 52,315,193.00 52,204,410.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - 52,315,193.00 52,204,410.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - 1.06 0.98
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 2.64% 2.83% 11.14% 15.91% 9.11% 7.90% 10.04% 21.90% 26.20% 24.65% 19.27%
EBITDA Growth		 -31.45% -9.33% 4.23% 12.09% 46.35% 12.10% 7.94% -20.12% 44.09% 48.68% 38.23%
EBIT Growth		 -37.19% -14.78% -0.07% 8.23% 53.87% 14.49% 9.27% -26.75% 47.25% 53.01% 41.20%
NOPAT Growth		 -36.86% -15.71% 0.49% 8.79% 54.83% 18.26% 8.64% -31.20% 42.98% 54.17% 39.18%
Net Income Growth		 -36.86% -15.71% 0.49% 8.79% 54.83% 18.26% 8.64% -31.20% 42.98% 54.17% 39.18%
EPS Growth		 -40.00% -25.00% -8.97% -1.43% 48.15% 22.22% 8.45% -36.23% 28.75% 41.56% 27.27%
Operating Cash Flow Growth		 10.54% 20.04% 68.19% 11.46% -4.58% 37.92% 14.31% -8.00% 54.59% 34.52% 26.27%
Free Cash Flow Firm Growth		 -504.49% 87.68% 97.28% 130.61% 125.28% 322.08% 1,181.36% -237.86% -185.58% -243.71% -339.72%
Invested Capital Growth		 46.64% 5.18% 2.33% -7.32% -5.93% -5.91% -4.13% 14.37% 9.80% 14.55% 17.73%
Revenue Q/Q Growth		 11.56% 1.87% 2.11% -0.11% 5.01% 0.74% 4.14% 10.65% 8.72% -0.50% -0.36%
EBITDA Q/Q Growth		 -12.89% 23.13% 7.31% -2.62% 13.74% -5.69% 3.33% -27.93% 105.17% -2.69% -3.93%
EBIT Q/Q Growth		 -18.15% 25.50% 8.62% -3.00% 16.36% -6.62% 3.68% -34.97% 133.90% -2.97% -4.33%
NOPAT Q/Q Growth		 -18.18% 23.73% 11.09% -3.27% 16.45% -5.49% 2.06% -38.74% 141.99% 1.91% -7.87%
Net Income Q/Q Growth		 -18.18% 23.73% 11.09% -3.27% 16.45% -5.49% 2.06% -38.74% 141.99% 1.91% -7.87%
EPS Q/Q Growth		 -22.86% 16.67% 12.70% -2.82% 15.94% -3.75% 0.00% -42.86% 134.09% 5.83% -10.09%
Operating Cash Flow Q/Q Growth		 20.54% -34.74% 3.06% 37.48% 3.19% -5.68% -14.58% 10.65% 73.40% -17.92% -19.82%
Free Cash Flow Firm Q/Q Growth		 -6.23% 88.96% 84.71% 1,807.49% -12.29% -3.02% -25.55% -317.69% 45.55% -62.86% -24.19%
Invested Capital Q/Q Growth		 0.59% -1.92% -5.02% -1.10% 2.10% -1.90% -3.21% 17.98% -1.99% 2.35% -0.53%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 28.49% 34.44% 36.19% 35.28% 38.21% 35.78% 35.50% 23.12% 43.63% 42.67% 41.14%
EBIT Margin		 23.46% 28.90% 30.74% 29.86% 33.08% 30.67% 30.53% 17.94% 38.60% 37.64% 36.14%
Profit (Net Income) Margin		 18.21% 22.12% 24.06% 23.30% 25.84% 24.24% 23.76% 13.15% 29.27% 29.98% 27.72%
Tax Burden Percent		 77.62% 76.53% 78.27% 78.05% 78.10% 79.05% 77.82% 73.31% 75.84% 79.65% 76.70%
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		 22.38% 23.47% 21.73% 21.95% 21.90% 20.95% 22.19% 26.69% 24.16% 20.35% 23.30%
Return on Invested Capital (ROIC)		 5.32% 5.72% 6.64% 6.41% 7.17% 6.99% 7.32% 3.94% 9.31% 10.04% 9.85%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.32% 5.72% 6.64% 6.41% 7.17% 6.99% 7.32% 3.94% 9.31% 10.04% 9.85%
Return on Net Nonoperating Assets (RNNOA)		 2.15% 3.14% 3.06% 3.25% 2.97% 2.49% 2.02% 1.07% 2.14% 2.18% 1.73%
Return on Equity (ROE)		 7.47% 8.86% 9.70% 9.66% 10.14% 9.48% 9.34% 5.01% 11.46% 12.21% 11.58%
Cash Return on Invested Capital (CROIC)		 -30.78% 0.86% 3.83% 13.63% 12.73% 13.12% 11.69% -6.99% -2.13% -5.44% -7.31%
Operating Return on Assets (OROA)		 0.95% 1.20% 1.30% 1.30% 1.35% 1.31% 1.32% 0.76% 1.70% 1.76% 1.75%
Return on Assets (ROA)		 0.74% 0.92% 1.02% 1.02% 1.06% 1.03% 1.03% 0.55% 1.29% 1.40% 1.34%
Return on Common Equity (ROCE)		 7.47% 8.86% 9.70% 9.66% 10.14% 9.48% 9.34% 5.01% 11.46% 12.21% 11.58%
Return on Equity Simple (ROE_SIMPLE)		 9.13% 0.00% 8.25% 8.32% 8.88% 0.00% 9.17% 7.39% 8.08% 0.00% 9.59%
Net Operating Profit after Tax (NOPAT)		 25 30 34 33 38 36 37 23 54 56 51
NOPAT Margin		 18.21% 22.12% 24.06% 23.30% 25.84% 24.24% 23.76% 13.15% 29.27% 29.98% 27.72%
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		 49.35% 49.81% 52.90% 52.12% 52.92% 54.36% 52.43% 49.65% 47.13% 47.60% 49.98%
Operating Expenses to Revenue		 67.19% 67.38% 65.29% 63.81% 64.94% 67.85% 64.59% 71.64% 59.73% 60.32% 60.84%
Earnings before Interest and Taxes (EBIT)		 32 40 43 42 49 46 47 31 72 70 67
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 38 47 51 50 56 53 55 40 81 79 76
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.96 1.34 1.19 1.24 1.37 1.48 1.29 1.09 1.18 1.15 1.16
Price to Tangible Book Value (P/TBV)		 1.36 1.87 1.65 1.71 1.86 2.00 1.73 1.53 1.64 1.57 1.58
Price to Revenue (P/Rev)		 2.54 3.67 3.21 3.29 3.69 3.91 3.43 3.16 3.31 3.12 3.06
Price to Earnings (P/E)		 10.52 16.09 14.42 14.97 15.45 16.02 14.12 14.72 14.61 12.84 12.11
Dividend Yield		 3.98% 3.05% 3.46% 3.32% 2.94% 2.76% 3.12% 3.27% 3.33% 3.42% 3.41%
Earnings Yield		 9.50% 6.21% 6.94% 6.68% 6.47% 6.24% 7.08% 6.79% 6.84% 7.79% 8.26%
Enterprise Value to Invested Capital (EV/IC)		 0.66 1.14 0.98 1.08 1.04 1.23 1.11 0.83 0.86 0.91 0.82
Enterprise Value to Revenue (EV/Rev)		 2.67 4.50 3.58 3.77 3.64 4.13 3.53 2.95 2.83 2.89 2.48
Enterprise Value to EBITDA (EV/EBITDA)		 7.50 13.10 10.58 11.21 10.09 11.36 9.75 8.99 8.16 7.90 6.55
Enterprise Value to EBIT (EV/EBIT)		 8.59 15.27 12.47 13.34 11.86 13.29 11.37 10.64 9.56 9.17 7.55
Enterprise Value to NOPAT (EV/NOPAT)		 11.07 19.73 16.09 17.18 15.25 16.95 14.53 13.75 12.47 11.89 9.83
Enterprise Value to Operating Cash Flow (EV/OCF)		 9.09 14.88 11.10 11.76 11.77 12.64 10.76 9.66 8.56 8.56 7.33
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 136.19 25.77 7.61 7.93 9.08 9.30 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.54 0.45 0.36 0.33 0.30 0.27 0.20 0.23 0.17 0.17 0.16
Long-Term Debt to Equity		 0.18 0.18 0.17 0.17 0.17 0.17 0.15 0.17 0.10 0.09 0.09
Financial Leverage		 0.40 0.55 0.46 0.51 0.42 0.36 0.28 0.27 0.23 0.22 0.18
Leverage Ratio		 10.11 9.64 9.53 9.50 9.59 9.18 9.08 9.03 8.87 8.70 8.64
Compound Leverage Factor		 10.11 9.64 9.53 9.50 9.59 9.18 9.08 9.03 8.87 8.70 8.64
Debt to Total Capital		 35.21% 30.90% 26.44% 24.57% 23.08% 21.38% 16.66% 18.56% 14.70% 14.72% 13.45%
Short-Term Debt to Total Capital		 23.30% 18.74% 13.63% 11.59% 10.36% 8.39% 4.56% 5.10% 6.39% 6.66% 5.33%
Long-Term Debt to Total Capital		 11.91% 12.15% 12.81% 12.97% 12.72% 12.98% 12.10% 13.46% 8.31% 8.07% 8.12%
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		 64.79% 69.11% 73.56% 75.43% 76.92% 78.62% 83.34% 81.44% 85.30% 85.28% 86.55%
Debt to EBITDA		 4.03 3.56 2.86 2.56 2.24 1.98 1.46 2.02 1.40 1.29 1.08
Net Debt to EBITDA		 0.37 2.42 1.10 1.44 -0.13 0.62 0.28 -0.64 -1.40 -0.63 -1.52
Long-Term Debt to EBITDA		 1.36 1.40 1.39 1.35 1.23 1.20 1.06 1.46 0.79 0.70 0.65
Debt to NOPAT		 5.95 5.37 4.36 3.92 3.38 2.95 2.18 3.08 2.13 1.93 1.62
Net Debt to NOPAT		 0.55 3.64 1.67 2.21 -0.19 0.93 0.41 -0.98 -2.14 -0.94 -2.28
Long-Term Debt to NOPAT		 2.01 2.11 2.11 2.07 1.86 1.79 1.58 2.24 1.21 1.06 0.98
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)		 -644 -71 -11 186 163 158 118 -256 -139 -227 -282
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		 -15.27 -1.37 -0.21 3.46 2.99 3.06 2.49 -4.80 -2.50 -4.27 -5.84
Operating Cash Flow to Interest Expense		 1.29 0.69 0.71 0.94 0.96 0.95 0.89 0.87 1.44 1.25 1.10
Operating Cash Flow Less CapEx to Interest Expense		 1.29 0.69 0.71 0.94 0.96 0.95 0.89 0.87 1.44 1.25 1.10
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.05 0.05
Fixed Asset Turnover		 6.79 6.95 7.22 7.61 6.95 7.14 7.30 7.13 7.39 7.74 7.99
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 2,103 2,063 1,960 1,938 1,979 1,941 1,879 2,217 2,173 2,224 2,212
Invested Capital Turnover		 0.29 0.26 0.28 0.27 0.28 0.29 0.31 0.30 0.32 0.33 0.36
Increase / (Decrease) in Invested Capital		 669 102 45 -153 -125 -122 -81 279 194 283 333
Enterprise Value (EV)		 1,378 2,344 1,914 2,089 2,061 2,384 2,086 1,833 1,867 2,012 1,804
Market Capitalization		 1,310 1,911 1,715 1,820 2,086 2,253 2,027 1,964 2,188 2,172 2,223
Book Value per Share		 $31.87 $30.28 $30.57 $31.01 $32.27 $32.35 $33.14 $38.20 $35.37 $36.25 $36.67
Tangible Book Value per Share		 $22.45 $21.73 $22.07 $22.55 $23.83 $23.89 $24.74 $27.23 $25.54 $26.48 $26.95
Total Capital		 2,103 2,063 1,960 1,938 1,979 1,941 1,879 2,217 2,173 2,224 2,212
Total Debt		 741 637 518 476 457 415 313 411 319 327 297
Total Long-Term Debt		 250 251 251 251 252 252 227 298 181 179 180
Net Debt		 68 432 199 269 -26 131 59 -130 -321 -160 -419
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)		 741 637 518 476 457 415 313 411 319 327 297
Total Depreciation and Amortization (D&A)		 6.80 7.62 7.66 7.62 7.57 7.59 7.69 8.86 9.36 9.31 9.22
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.54 $0.65 $0.72 $0.69 $0.81 $0.76 $0.78 $0.45 $1.04 $1.07 $0.98
Adjusted Weighted Average Basic Shares Outstanding		 47.09M 47.15M 47.15M 47.17M 47.18M 47.25M 47.26M 52.39M 52.32M 52.20M 52.01M
Adjusted Diluted Earnings per Share		 $0.54 $0.63 $0.71 $0.69 $0.80 $0.77 $0.77 $0.44 $1.03 $1.09 $0.98
Adjusted Weighted Average Diluted Shares Outstanding		 47.09M 47.15M 47.15M 47.17M 47.18M 47.25M 47.26M 52.39M 52.32M 52.20M 52.01M
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		 47.09M 47.15M 47.15M 47.17M 47.18M 47.25M 47.26M 52.39M 52.32M 52.20M 52.01M
Normalized Net Operating Profit after Tax (NOPAT)		 31 31 34 33 39 37 38 35 55 56 51
Normalized NOPAT Margin		 22.76% 22.26% 24.06% 23.30% 26.13% 24.77% 24.37% 20.51% 29.73% 29.98% 27.72%
Pre Tax Income Margin		 23.46% 28.90% 30.74% 29.86% 33.08% 30.67% 30.53% 17.94% 38.60% 37.64% 36.14%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.75 0.77 0.83 0.78 0.89 0.88 1.00 0.58 1.29 1.31 1.38
NOPAT to Interest Expense		 0.58 0.59 0.65 0.61 0.70 0.70 0.78 0.42 0.98 1.05 1.06
EBIT Less CapEx to Interest Expense		 0.75 0.77 0.83 0.78 0.89 0.88 1.00 0.58 1.29 1.31 1.38
NOPAT Less CapEx to Interest Expense		 0.58 0.59 0.65 0.61 0.70 0.70 0.78 0.42 0.98 1.05 1.06
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 43.12% 47.05% 48.85% 49.61% 45.38% 44.27% 44.05% 49.46% 46.30% 42.90% 41.26%
Augmented Payout Ratio		 47.10% 51.21% 53.06% 51.60% 45.56% 44.45% 44.18% 49.46% 46.30% 48.91% 52.80%

Financials Breakdown Chart

Key Financial Trends

NBT Bancorp (NASDAQ: NBTB) showed a solid start to 2026, with earnings still healthy and balance sheet growth continuing, but deposit volatility and higher credit-loss provisions remain important watch items. Compared with the same quarter last year, profitability improved meaningfully, while the bank also kept its capital and liquidity position broadly stable.

  • Net income rose year over year: Q1 2026 net income was $51.1 million, up from $36.7 million in Q1 2025.
  • EPS improved sharply: Basic and diluted EPS were both $0.98, versus $0.78 and $0.77 a year ago.
  • Revenue growth remains intact: Total revenue increased to $184.5 million from $154.7 million in Q1 2025.
  • Non-interest income held up well: Fee and service income contributed $50.1 million, supporting diversified earnings beyond lending.
  • Operating cash flow stayed strong: The company generated $53.0 million of operating cash flow in Q1 2026.
  • Deposit growth returned: Net change in deposits was a positive $243.8 million in Q1 2026, reversing the deposit outflows seen in some prior quarters.
  • Capital base remains healthy: Total common equity was $1.91 billion, up from $1.57 billion in Q1 2025.
  • Loan loss provisioning was lower than some earlier periods: Provision for credit losses was $5.6 million, manageable relative to revenue and earnings.
  • Net interest income was essentially flat sequentially: Q1 2026 net interest income of $134.3 million was close to Q4 2025 and slightly above Q1 2025, suggesting stable core spread earnings.
  • Loan balances are not clearly expanding from this data set: The balance sheet shows large loan-related figures, but the format does not provide enough detail to confirm sustained loan growth.
  • Share count was steady: Weighted average shares were 52.0 million, indicating limited dilution this quarter.
  • Book value is supported by retained earnings growth: Retained earnings rose to $1.23 billion, helping offset treasury stock and AOCI pressure.
  • Provision for credit losses increased from Q4 2025: The $5.6 million provision was higher than Q4 2025’s $3.8 million, which may indicate a slightly more cautious credit outlook.
  • Interest expense remains elevated: Q1 2026 deposit interest expense of $44.8 million still consumed a meaningful portion of interest income.
  • Balance sheet still shows funding sensitivity: Interest-bearing deposits remain the largest funding source, so deposit pricing pressure could continue to affect margins.
  • Goodwill and other intangibles are material: Goodwill of $453.3 million and intangible assets of $54.3 million make up a noticeable part of equity value and add some balance-sheet complexity.

Longer-term trend: Over the last four years, NBT Bancorp has generally been able to grow earnings through a higher-rate environment, with quarterly net income moving from the low-$30 million range in early 2023 to the low-$50 million range in early 2026. The company has also expanded deposits and equity over time. However, recent quarters show that funding costs, credit provisioning, and periodic restructuring charges can still create earnings volatility.

Bottom line: NBTB appears to be a steadily profitable regional bank with improving earnings momentum and a solid capital position. Investors will likely want to watch whether deposit growth remains stable, provisions stay contained, and net interest margin continues to hold up as rate conditions evolve.

06/08/26 08:11 AM ETAI Generated. May Contain Errors.

NBT Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, NBT Bancorp's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

NBT Bancorp's net income appears to be on an upward trend, with a most recent value of $169.24 million in 2025, rising from $76.43 million in 2015. The previous period was $140.64 million in 2024. Find out what analysts predict for NBT Bancorp in the coming months.

Over the last 10 years, NBT Bancorp's total revenue changed from $371.09 million in 2015 to $697.04 million in 2025, a change of 87.8%.

NBT Bancorp's total liabilities were at $14.10 billion at the end of 2025, a 15.0% increase from 2024, and a 91.0% increase since 2015.

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 $185.16 million as of their latest financial filing in 2025.

Over the last 10 years, NBT Bancorp's book value per share changed from 20.37 in 2015 to 36.25 in 2025, a change of 77.9%.


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Financial statements for NASDAQ:NBTB last updated on 5/13/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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