1. MARKETS
  2. SECTOR : BANKING & FINANCE
  3. INDUSTRY : MAJOR BANKS
  4. NBT BANCORP. INC.
NBT Bancorp. Inc.
XNAS: NBTB
Await Turnaround
Download real time
50.06-0.47(-0.93%)
27.70% Gain from 52W Low
206.7K
XNAS Volume

XNAS 09 Oct, 2026 5:30 PM (EDT)

Portfolio

Alert

My Notes

NBT Bancorp. Inc quarterly and annual earnings report: results, revenue, profit, P&L, balance sheet, cash flow, financial ratios, revenue mix, peer comparison, and financial documents

View Charts

Forecaster Analyst Estimates for NBT Bancorp. Inc share price target, revenues, EPS, net income and more

NBT Bancorp. Inc quarterly results: revenue, profit, and P&L – 13 quarter history

Nested row level
Base Level
Reporting Type
Originally Reported
Cell Data
Actual
Table Settings
YoY & New to Old
Nested row level
Base Level
Export
  • POSITIVE

    Quarterly Revenue NBT Bancorp. Inc Jun-2026 Quarterly Revenue is $186 Million which is growth of 9.1% YoY.

  • POSITIVE

    Quarterly Net Profit NBT Bancorp. Inc Jun-2026 Quarterly Net Profit is $53 Million which is growth of 135.6% YoY.

NBT Bancorp. Inc., Earnings Report - Quarterly Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphJun '26Mar '26Dec '25Sep '25Jun '25Mar '25Dec '24Sep '24Jun '24Mar '24Dec '23Sep '23Jun '23
Operating Rev.
186.2183.9184.4185.4170.7154147.9146.9139.7140137.2134.6120.4
Cost Of Rev.
-------------
Gross Profit
-------------
⌄
----------53.151.648.7
Operating Profit
----------
⌄
-------------
Profit Before Tax
69.166.769.771.830.747.245.648.841.943.239.831.738.7
Tax
16.115.514.217.48.210.59.510.79.29.49.37.18.7
⌄
5351.155.554.522.536.73638.132.733.830.524.630.1
Diluted NI Avail to Com Stockholders Ann.
5351.155.554.522.536.73638.132.733.830.524.630.1
Basic EPS
111.110.50.80.80.80.70.70.70.50.7
Diluted EPS After ExtraOrdinary
111.11.10.90.80.80.80.70.70.80.80.7
Number Of Shares End
5252.152.352.450.647.247.247.247.247.247.145.242.9
Net Income Continuing Discontinued Operations
5351.155.554.522.536.73638.132.733.830.524.630.1
Normalized Income
52.953.755.855.344.939.436.638.232.835.638.238.331.7
Interest Income
185.8182.7188.5190.5177.6154.4157.7156.2150.8146.9150.9137.1120.6
Interest
48.848.353.155.853.447.251.654.653.651.851.742.231.5
Net Interest Income
137134.4135.4134.7124.2107.2106.1101.797.295.299.294.989.1
EBIT
-------------
EBITDA
-------------
Reconciled Cost Of Rev.
-------------
Reconciled Depr.
99.199.18.476.96.86.96.96.864.7
Profit From Continuing Operations
5351.155.554.522.536.73638.132.733.830.524.630.1
Normalized EBITDA
-------------
*All financials are in USD Million and price data in USD
Add metric to table
Search...

NBT Bancorp. Inc competitor comparison and performance snapshot within industry

NBT Bancorp. Inc annual results: revenue, profit, P&L, and margins as of Dec 2025 – 11 year history

Nested row level
Base Level
Reporting Type
Originally Reported
Cell Data
Actual
Table Settings
YoY & New to Old
CAGR Columns
Select...
Nested row level
Base Level
Export
  • POSITIVE

    Annual Revenue NBT Bancorp. Inc Dec-2025 Annual Revenue is $694 Million which is growth of 20.9% YoY.

  • POSITIVE

    Annual Net Profit NBT Bancorp. Inc Dec-2025 Annual Net Profit is $169 Million which is growth of 20.3% YoY.

NBT Bancorp. Inc., Earnings Report - Annual Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsTTMDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
10.5%
8.6%
 694.4574.4517.8515.1476458.7451.4426.2399.2376.7364.3
Cost Of Rev. Ann.
-
-
 -----------
Gross Profit Ann.
-
-
 -----------
Operating Exp. Ann.
-
-
 ---144.6-21.9-18.8-32.6-56-38.6-25.9-22.5-20.6
Operating Profit Ann.
-
-
 --662.4537494.8491.3507.4464.8425.1399.2384.9
⌄
-
-
 -----------
Other Exp. Ann.
-
-
 -----------
PBT Ann.
3.8%
10.5%
277.3219.4179.5153.5196.2199.9133.1155.4137128.2118.8116.6
Tax Ann.
4.3%
11.8%
63.250.238.834.744.24528.734.424.44640.440.2
⌄
3.6%
10.1%
214.2169.2140.6118.8152154.9104.4121112.682.278.476.4
Diluted NI Avail to Com Stockholders Ann.
3.6%
10.1%
214.2169.2140.6118.8152154.9104.4121112.682.278.476.4
EPS Ann.
-1.9%
6.6%
 3.332.73.53.62.42.82.61.91.81.7
Diluted EPS Ann.
-1.9%
6.6%
 3.332.73.53.52.42.72.61.91.81.7
Number Of Shares End
6.8%
3.7%
 52.347.247.142.943.343.743.843.743.543.443.5
Total Exp. Ann.
-
-
 -----------
Net Income Continuing Discontinued Operations Ann.
3.6%
10.1%
214.2169.2140.6118.8152154.9104.4121112.682.278.476.4
Normalized Income Ann.
7.6%
12.5%
217.8194.5146.5134.1156.3158.3108.1124.3115.884.680.879.4
Interest Income Ann.
22.8%
15.3%
747.4711611.7522.8384.1339.9348.3367.5344.3309.4287273.2
Interest Ann.
112.3%
45.1%
206209.5211.6144.621.918.832.65638.625.922.520.6
EBITDA Ann.
-
-
 -----------
Reconciled Cost Of Rev. Ann.
-
-
 -----------
Reconciled Depr. Ann.
20.6%
10.2%
36.233.527.522.319.119.920.620.313.3131313.5
Profit From Continuing Operations Ann.
3.6%
10.1%
214.2169.2140.6118.8152154.9104.4121112.682.278.476.4
Normalized EBITDA Ann.
-
-
 -----------
*All financials are in USD Million and price data in USD
Add metric to table
Search...
Total Rev. Ann.
1Y CHG
20.9%
2Y CAGR
15.8%
3Y CAGR
10.5%
5Y CAGR
8.6%
7Y CAGR
7.2%
10Y CAGR
6.7%
Total Revenue Annual growth is higher than historical averages.
Net Profit Ann.
1Y CHG
20.3%
2Y CAGR
19.3%
3Y CAGR
3.6%
5Y CAGR
10.1%
7Y CAGR
6%
10Y CAGR
8.3%
Net Profit Annual growth is higher than historical averages.

NBT Bancorp. Inc balance sheet as of Dec 2025: assets, liabilities, reserves, and borrowings – 11 year history

Nested row level
Base Level
Reporting Type
Originally Reported
Cell Data
Actual
Table Settings
YoY & New to Old
CAGR Columns
Select...
Nested row level
Base Level
Export
  • POSITIVE

    Total Shareholders Fund NBT Bancorp. Inc Dec-2025 Total Shareholders Fund is $1,896 Million which is growth of 24.2% YoY.

  • POSITIVE

    Total Assets NBT Bancorp. Inc Dec-2025 Total Assets is $15,995 Million which is growth of 16.0% YoY.

NBT Bancorp. Inc., Balance Sheet, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
10.9%
7.9%
15,995.113,786.713,30911,739.312,012.110,932.99,715.99,556.49,136.88,867.38,262.7
⌄
10.1%
7.7%
14,098.912,260.511,883.410,565.710,761.79,745.38,595.58,538.58,178.67,9547,380.6
⌄
17.3%
9.8%
1,896.21,526.11,425.71,173.61,250.51,187.61,120.41,017.9958.2913.3882
Total Capitalization Ann.
14.7%
7.8%
2,075.61,778.21,676.41,376.51,464.11,4261,285.81,192.81,148.21,118.61,113.7
Tangible Assets Ann.
16.1%
9.1%
1,385.31,127.11,023.4885961895.3833.6727.5676.7632.1598.8
Working Capital Ann.
-
-
--
Invested Capital Ann.
3.4%
5.4%
2,075.61,794.21,969.41,875.51,464.11,594.41,941.12,064.51,867.41,800.31,556.1
Tangible Book Value Ann.
16.1%
9.1%
1,385.31,127.11,023.4885961895.3833.6727.5676.7632.1598.8
Borrowings Ann.
-36.5%
-15.1%
179.4268543.7701.9213.7406.7820.71,046.6909.2887674.1
Net Debt Ann.
-
-
-130.9338.6504.6--603.8865.7749.5737.8533.8
Share Issued Ann.
5.9%
3.5%
59.1545449.749.749.749.749.749.749.749.7
Number Of Shares End
6.8%
3.7%
52.347.247.142.943.343.743.843.743.543.443.5
*All financials are in USD Million and price data in USD
Add metric to table
Search...
Total Assets Ann.
1Y CHG
16%
2Y CAGR
9.6%
3Y CAGR
10.9%
5Y CAGR
7.9%
7Y CAGR
7.6%
10Y CAGR
6.8%
Total Assets Annual growth is higher than historical averages.
Total ShareHolders Funds Ann.
1Y CHG
24.3%
2Y CAGR
15.3%
3Y CAGR
17.3%
5Y CAGR
9.8%
7Y CAGR
9.3%
10Y CAGR
8%
Total ShareHolders Funds Annual growth is higher than historical averages.

NBT Bancorp. Inc ROE, ROCE, book value, and debt-to-equity ratio as of Dec 2025 – 11 year history

Nested row level
Base Level
Reporting Type
Originally Reported
Cell Data
Actual
Table Settings
YoY & New to Old
CAGR Columns
Select...
Nested row level
Base Level
Export
  • POSITIVE

    Book Value Per Share NBT Bancorp. Inc Book Value Per Share is $37 which is growth of 15.8% YoY.

  • NEUTRAL

    ROE NBT Bancorp. Inc ROE is 0% which is growth of 0% YoY.

NBT Bancorp. Inc., Ratios, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
RoA Ann. %
-
-
-1.04%0.95%1.28%1.35%1.01%1.26%1.20%0.91%0.92%0.95%
ROE Ann. %
-
-
-9.53%9.14%12.54%12.71%9.05%11.32%11.39%8.78%8.73%8.75%
ROIC %
-
-
-----------
OPM Ann. %
-
-
--127.92%104.25%103.95%107.11%112.40%109.06%106.49%105.97%105.66%
Inventory Turnover Ratio Ann.
-
-
-----------
Asset Turnover Ann. %
-
-
-000000.10.1000.1
Working Capital Turnover Ann.
-
-
-----------
Quick Ratio Ann.
-
-
-----------
Current Ratio Ann.
-
-
-----------
Interest Coverage Ratio Ann.
-
-
-----------
LT Debt To Equity Ann.
-
-
-0.20.20.20.20.20.20.20.20.20.3
*All financials are in USD Million and price data in USD
Add metric to table
Search...

NBT Bancorp. Inc cash flow: net, operating, investing, and financing flows as of Dec 2025 – 11 year history

Nested row level
Base Level
Reporting Type
Originally Reported
Cell Data
Actual
Table Settings
YoY & New to Old
CAGR Columns
Select...
Nested row level
Base Level
Export
  • POSITIVE

    Cash From Operating Activity NBT Bancorp. Inc Dec-2025 Cash From Operating Activity is $235 Million which is growth of 24.7% YoY.

  • POSITIVE

    Net Cash Flow NBT Bancorp. Inc Dec-2025 Net Cash Flow is $203 Million which is growth of 157.5% YoY.

NBT Bancorp. Inc., Cash Flow, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
8.7%
10.6%
235.2188.6157.5183.2157.6142.4153.5147.8136.9109.5124.5
⌄
-
-
169.1-399.2-44.2-926.2-546.1-709.7-64.3-417.6-305.2-630-504
⌄
-
-
-201.2289.5-105.4-328.7984.81,023.2-53.2291.1178.8529.3373.1
Cash Plus Cash Eqv. End Of Year Ann.
35.1%
-6.3%
487.1284.1205.2197.41,269.1672.7216.8181159.7149.2140.3
Net Increase In Cash Plus Cash Eqv.s Ann.
-
-14.9%
203.178.97.8-1,071.7596.4455.835.921.310.58.9-6.3
Cash Plus Cash Eqv. Begin Of Year Ann.
-39.3%
5.6%
284.1205.2197.41,269.1672.7216.8181159.7149.2140.3146.6
Income Tax Paid Supplemental Data Ann.
-26.8%
-11.7%
24.623.327.662.846.145.828.431.933.740.928.7
Interest Paid Supplemental Data Ann.
118.7%
46.7%
215.6215.2130.220.620.331.755.936.725.922.520.9
Capex Ann.
-
-
-16.3-11.7-9.3-7-7.7-8.2-6.7-7.4-6.7-3.3-8.2
Issuance Of Capital Stock Ann.
-
-
-----------
Issuance Of Debt Ann.
-
-
251.510010.6252523.9-
Repayment Of Debt Ann.
-
-
-144.7-0.2-0.1-12.7-95.7-25.1-20.1-40.2-40.2-50.2-0.5
Repurchase Of Capital Stock Ann.
-
-
-10.2-0.3-4.9-14.7-21.7-8--17.2-26.8
Free Cash Flow Ann.
7.5%
10.3%
218.9176.8148.2176.2149.9134.3146.8140.4130.2106.2116.4
*All financials are in USD Million and price data in USD
Add metric to table
Search...
Cash from Operating Act. Ann.
1Y CHG
24.7%
2Y CAGR
22.2%
3Y CAGR
8.7%
5Y CAGR
10.6%
7Y CAGR
6.9%
10Y CAGR
6.6%
Cash from Operating Activity Annual growth is higher than historical averages.
×