NBTB
$50.85+0.28%
NBT Bancorp Inc.Stock · FinancialsRussell 2000 0.08%Nasdaq Composite 0.008%US Stock Market 0.003%Russell 3000 0.003%
NBTB financial statements
The full income statement, balance sheet, and cash-flow statement for NBT Bancorp Inc. (NBTB), plus valuation ratios — straight from SEC filings. Switch between annual, quarterly, and trailing-twelve-month figures, pick how far back to look, and flip the time order. Every line has a trend sparkline.
Shares outstanding (point-in-time)
2024-06 47.2M2024-09 47.2M2024-12 47.3M2025-03 47.3M2025-06 52.4M2025-09 52.3M2025-12 52.2M2026-03 52.0M2026-06 52.0M+10.2% over 8 periods
SEC-filed end-of-period counts (cover pages and balance sheets, split-adjusted) — the series realized buyback yield is computed from. The weighted-average share lines in the statements below lag these by design: an average over the year sits near the midpoint of an ongoing buyback.
As-reported fiscal years.
| Line item | Trend | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Income Statement | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| 697M+20.8% | 577M+10.9% | 520M+0.5% | 518M+8.1% | 479M+3.7% | ||
| Noninterest income | 195M+10.6% | 177M+24.4% | 142M-8.6% | 156M-1.4% | 158M+7.9% | |
| Selling & marketing | 4.01M+18.5% | 3.39M+10.9% | 3.05M | — | — | |
| Amortization of intangibles | 11.9M+41.5% | 8.44M+78.3% | 4.73M+109.2% | 2.26M-19.4% | 2.81M-17.3% | |
| Noninterest expense | 445M+17.9% | 378M+10.6% | 342M+12.2% | 304M+6.0% | 287M+3.4% | |
| Interest expense | — | — | 145M+560.7% | 21.9M+16.5% | 18.8M-42.4% | |
| Interest & investment income | 711M+16.2% | 612M+17.0% | 523M+36.1% | 384M+13.0% | 340M-2.4% | |
| Net interest income | 502M+25.3% | 400M+5.8% | 378M+4.4% | 362M+12.8% | 321M+1.7% | |
| Gain (loss) on equity securities | 148K-70.7% | 505K+274.1% | 135K+111.9% | -1.14M-311.4% | 537K+229.7% | |
| Pre-tax income | 219M+22.3% | 179M+16.9% | 153M-21.8% | 196M-1.9% | 200M+50.2% | |
| Income tax | 50.2M+29.3% | 38.8M+11.9% | 34.7M-21.5% | 44.2M-1.8% | 45.0M+56.7% | |
| Net income | 169M+20.3% | 141M+18.4% | 119M-21.9% | 152M-1.9% | 155M+48.4% | |
| $3.33+12.1% | $2.97+12.1% | $2.65-24.7% | $3.52-0.6% | $3.54+49.4% | ||
| EPS (basic) | $3.34+12.1% | $2.98+11.6% | $2.67-24.6% | $3.54-0.8% | $3.57+49.4% | |
| Weighted-avg shares (basic) | 50.7M+7.4% | 47.2M+5.9% | 44.5M+3.8% | 42.9M-1.2% | 43.4M-0.6% | |
| Weighted-avg shares (diluted) | 50.9M+7.3% | 47.4M+5.9% | 44.8M+3.7% | 43.2M-1.2% | 43.7M-0.6% | |
| Dividends per share | $1.42+7.6% | $1.32+6.5% | $1.24+6.9% | $1.16+5.5% | $1.10+1.9% | |
| Balance Sheet | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| Cash & equivalents | 487M+71.5% | 284M+38.4% | 205M+4.0% | 197M-84.4% | 1.27B+88.7% | |
| 16.0B+16.0% | 13.8B+3.6% | 13.3B+13.4% | 11.7B-2.3% | 12.0B+9.9% | ||
| Property, plant & equipment | 99.3M+22.8% | 80.8M+0.2% | 80.7M+16.8% | 69.0M-4.2% | 72.1M-2.8% | |
| Operating lease right-of-use | 30.6M+10.9% | 27.6M+3.4% | 26.7M+11.7% | 23.9M+2.6% | 23.3M-11.7% | |
| Goodwill | 453M+25.0% | 363M+0.2% | 362M+28.7% | 281M+0.2% | 281M+0.0% | |
| Intangible assets | 57.7M+58.6% | 36.4M-10.1% | 40.4M+450.9% | 7.34M-17.8% | 8.93M-23.9% | |
| Short-term & current debt | 148M-9.1% | 163M-57.9% | 387M-33.9% | 585M+498.2% | 97.8M-41.9% | |
| 14.1B+15.0% | 12.3B+3.2% | 11.9B+12.5% | 10.6B-1.8% | 10.8B+10.4% | ||
| Operating lease liability (total) | 33.1M+9.3% | 30.3M+7.4% | 28.2M+10.2% | 25.6M-7.2% | 27.6M-15.9% | |
| 1.90B+24.2% | 1.53B+7.0% | 1.43B+21.5% | 1.17B-6.1% | 1.25B+5.3% | ||
| Preferred stock | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Common stock | 591K+9.4% | 540K+0.0% | 540K+8.7% | 497K+0.0% | 497K+0.0% | |
| Additional paid-in capital | 965M+29.9% | 743M+0.3% | 741M+28.2% | 578M+0.2% | 577M-0.2% | |
| Retained earnings | 1.20B+8.8% | 1.10B+7.7% | 1.02B+6.6% | 958M+11.9% | 856M+14.3% | |
| Treasury stock | 183M+4.6% | 175M-0.8% | 177M+2.0% | 173M+8.3% | 160M+13.8% | |
| Accumulated other comprehensive income | -82.6M+41.9% | -142M+11.7% | -161M+15.3% | -190M-714.1% | -23.3M-5698.1% | |
| Total liabilities & equity | 16.0B+16.0% | 13.8B+3.6% | 13.3B+13.4% | 11.7B-2.3% | 12.0B+9.9% | |
| Common shares issued | 59.1M+9.5% | 54.0M+0.0% | 54.0M+8.7% | 49.7M+0.0% | 49.7M+0.0% | |
| Shares outstanding (cover) | 52.2M+10.5% | 47.3M+0.2% | 47.2M+9.9% | 42.9M-0.6% | 43.2M-0.9% | |
| Cash Flow | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| 235M+24.7% | 189M+19.8% | 157M-14.1% | 183M+15.1% | 159M+9.6% | ||
| Intangible amortization | 11.9M+41.5% | 8.44M+78.3% | 4.73M+109.2% | 2.26M-19.4% | 2.81M-17.3% | |
| Share-based compensation | 5.28M-11.9% | 5.99M+17.4% | 5.10M+12.6% | 4.53M+2.6% | 4.41M-3.6% | |
| Deferred income taxes | 23.6M+170.1% | 8.73M+46.5% | 5.96M+130.0% | -19.9M-2397.5% | 864K+105.0% | |
| 169M+142.4% | -399M-802.5% | -44.2M+95.2% | -926M-69.1% | -548M+23.2% | ||
| Capital expenditure | 16.3M+38.8% | 11.7M+26.9% | 9.25M+32.0% | 7.01M-9.4% | 7.74M-5.1% | |
| Free cash flow | 219M+23.8% | 177M+19.3% | 148M-15.9% | 176M+16.4% | 151M+10.5% | |
| Acquisitions | -37.9M-2843.6% | 1.38M+103.1% | -44.6M-1803.5% | 2.62M+68.8% | 1.55M-77.1% | |
| Sales/maturities of investments | 256M+52.8% | 168M+44.2% | 116M-45.5% | 214M-45.9% | 395M+17.5% | |
| -201M-169.5% | 289M+374.7% | -105M+67.9% | -329M-133.4% | 985M-3.7% | ||
| Long-term debt issued | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Long-term debt repaid | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net short-term debt | -57.9M+74.1% | -224M+3.5% | -232M-147.6% | 487M+790.2% | -70.6M+85.5% | |
| Common stock issued | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Common stock repurchased | 10.2M+3957.8% | 251K-94.9% | 4.94M-66.4% | 14.7M-32.2% | 21.7M+172.1% | |
| Dividends paid | 72.6M+16.6% | 62.3M+11.4% | 55.9M+12.3% | 49.8M+4.2% | 47.7M+1.1% | |
| Interest paid | 216M+0.2% | 215M+65.3% | 130M+531.7% | 20.6M+1.6% | 20.3M-36.0% | |
| Income taxes paid | 24.6M+5.4% | 23.3M-15.6% | 27.6M-56.0% | 62.8M+36.2% | 46.1M+0.7% | |
| Valuation Ratios | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| Market cap | 2.17B-4.0% | 2.26B+19.2% | 1.89B+1.8% | 1.86B+11.9% | 1.66B+18.9% | |
| P/E | 12.8×-20.2% | 16.0×+5.5% | 15.2×+25.2% | 12.1×+13.1% | 10.7×-19.9% | |
| P/S | 3.1×-20.5% | 3.9×+6.8% | 3.7×+0.5% | 3.6×+5.0% | 3.5×+14.7% | |
| P/B | 1.1×-22.7% | 1.5×+6.5% | 1.4×-13.6% | 1.6×+20.9% | 1.3×+12.9% | |
| P/FCF | 9.9×-22.4% | 12.8×-3.6% | 13.2×+19.9% | 11.0×+0.6% | 11.0×+7.6% | |
| Earnings yield | 7.8%+25.3% | 6.2%-5.2% | 6.6%-20.2% | 8.2%-11.6% | 9.3%+24.8% | |
| FCF yield | 10.1%+28.9% | 7.8%+3.8% | 7.6%-16.6% | 9.1%-0.6% | 9.1%-7.1% | |
| Dividend yield | 3.4%+23.7% | 2.8%-6.6% | 3.0%+10.7% | 2.7%-6.4% | 2.9%-15.1% | |
| Source filing | 10-K | 10-K | 10-K | 10-K | 10-K |
About this data
Source: NBTB’s SEC filings (10-K / 10-Q). Annual columns are as-reported fiscal years; quarterly columns are as-reported fiscal quarters (Q4 derived as full-year minus the first three quarters where a company doesn’t file a standalone Q4); TTM (quarterly) rolls the trailing four quarters at every quarter end, TTM (yearly) samples that one year apart; balance-sheet rows show the period-end balance. Valuation ratios are sampled as of each period end. View all NBTB filings on SEC EDGAR → Not investment advice.