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NBT Bancorp, Inc. (NBTB)

Nasdaq Financials Regional Banks S&P SmallCap 600
$52.83
-0.14 (-0.26%)
Close of Nov 06, 2026 · end-of-day data
Source: NBT Bancorp, Inc.'s 10-K / 10-Q XBRL data on SEC EDGAR · fetched Nov 06, 2026

Revenue, net income & free cash flow

Income statement

fiscal years · USD
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue$111.16M$113.44M$126.01M$134.46M$140.92M$151.01M$150.66M$144.74M$165.71M$182.95M
Interest expense$22.51M$25.91M$38.63M$55.98M$32.60M$18.79M$21.88M$144.57M——
Pre-tax income$118.80M$128.16M$137.00M$155.43M$133.09M$199.86M$196.16M$153.46M$179.46M$219.44M
Income tax$40.39M$46.01M$24.44M$34.41M$28.70M$44.97M$44.16M$34.68M$38.82M$50.21M
Net income$78.41M$82.15M$112.57M$121.02M$104.39M$154.88M$152.00M$118.78M$140.64M$169.24M
EPS (basic)$1.81$1.89$2.58$2.76$2.39$3.57$3.54$2.67$2.98$3.34
EPS (diluted)$1.80$1.87$2.56$2.74$2.37$3.54$3.52$2.65$2.97$3.33
Diluted shares43.62K43.91K44.02M44.12M43.99M43.72M43.18M44.77M47.43M50.88M
Net margin70.5%72.4%89.3%90.0%74.1%102.6%100.9%82.1%84.9%92.5%

Balance sheet

fiscal years · USD
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash & equivalents$149.18M$159.66M$180.96M$216.84M$672.68M$1.27B$197.35M$205.19M$284.06M$487.12M
Goodwill$265.44M$268.04M$274.77M$274.77M$280.54M$280.54M$281.20M$361.85M$362.66M$453.28M
Total assets$8.87B$9.14B$9.56B$9.72B$10.93B$12.01B$11.74B$13.31B$13.79B$16.00B
Short-term debt$681.70M$719.12M$871.70M$655.27M$168.39M$97.80M$585.01M$386.65M$162.94M$148.07M
Long-term debt$104.09M$88.87M$73.72M———————
Total debt$785.79M$807.99M$945.42M$655.27M$168.39M$97.80M$585.01M$386.65M$162.94M$148.07M
Total liabilities$7.95B$8.18B$8.54B$8.60B$9.75B$10.76B$10.57B$11.88B$12.26B$14.10B
Shareholders' equity$913.32M$958.18M$1.02B$1.12B$1.19B$1.25B$1.17B$1.43B$1.53B$1.90B

Cash flow

fiscal years · USD
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow$110.56M$136.90M$147.77M$153.46M$145.27M$159.19M$183.22M$157.46M$188.57M$235.22M
Capital expenditures$3.31M$6.69M$7.40M$6.65M$8.16M$7.74M$7.01M$9.25M$11.74M$16.30M
Free cash flow$107.26M$130.21M$140.37M$146.82M$137.12M$151.44M$176.21M$148.20M$176.82M$218.92M
Investing cash flow-$629.96M-$305.19M-$417.62M-$64.34M-$712.59M-$547.61M-$926.22M-$44.23M-$399.16M$169.07M
Financing cash flow$528.28M$178.77M$291.14M-$53.23M$1.02B$984.81M-$328.73M-$105.39M$289.46M-$201.23M
Dividends paid$38.88M$40.10M$43.27M$46.01M$47.21M$47.74M$49.77M$55.89M$62.26M$72.59M
Share buybacks$17.19M$0$0$0$7.98M$21.71M$14.71M$4.94M$251.00K$10.19M
Stock-based compensation$4.38M$3.64M$3.94M$4.21M$4.58M$4.41M$4.53M$5.10M$5.99M$5.28M

Quarterly figures are rebuilt from the year-to-date totals companies report — Q4 is the full year minus the first nine months, since no 10-Q is filed for it. Values are as filed; later restatements replace earlier ones. Fiscal years are labelled by the calendar year in which they end.