NMS · Financial Statements

NBT Bancorp Inc. (NBTB) Financial Statements

$52.87 NMS: NBTB Market Cap $2.75B

NBT Bancorp Inc. most recently reported annual revenue of $867.0M, net profit of $169.0M. Revenue grew at an average annual rate of 12.0% over the last 5 fiscal years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.

NBT Bancorp Inc.: Revenue rose from $399.0M in 2016 to $867.0M in 2025, a change of +117.3% over 9 years; net profit was positive in all 10 reported years; operating margin moved from 29.8% to 25.3%, a shift of -4.5 percentage points; the most recent year shows net profit of $169.0M.

Income Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Revenue$399.0M$425.0M$465.0M$507.0M$491.0M$495.0M$537.0M$662.0M$786.0M$867.0M
Operating Expenses$280.0M$297.0M$328.0M$352.0M$358.0M$295.0M$341.0M$509.0M$607.0M$648.0M
Operating Profit$119.0M$128.0M$137.0M$155.0M$133.0M$200.0M$196.0M$153.0M$179.0M$219.0M
Operating Margin29.8%30.1%29.5%30.6%27.1%40.4%36.5%23.2%22.8%25.3%
Other Income$0$0$0$0$0$0$0$0$0$0
Interest$23.0M$26.0M$39.0M$56.0M$33.0M$19.0M$22.0M$145.0M$212.0M$209.0M
Depreciation$13.0M$13.0M$13.0M$20.0M$21.0M$20.0M$19.0M$22.0M$27.0M$22.0M
Profit Before Tax$119.0M$128.0M$137.0M$155.0M$133.0M$200.0M$196.0M$153.0M$179.0M$219.0M
Tax$34.0M$35.9M$17.8M$22.1M$21.6M$22.5M$22.5M$22.6M$21.6M$22.9M
Net Profit$78.0M$82.0M$113.0M$121.0M$104.0M$155.0M$152.0M$119.0M$141.0M$169.0M
EPS$1.80$1.87$2.56$2.74$2.37$3.54$3.52$2.65$2.96$3.33
Dividend Payout0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%

Quarterly Results — Last 12 Quarters (USD millions)

8 duplicate period labels in the source data were collapsed.

MetricSep '23Dec '23Mar '24Jun '24Sep '24Dec '24Mar '25Jun '25Sep '25Dec '25Mar '26Jun '26
Revenue$177.0M$189.0M$192.0M$193.0M$201.0M$199.0M$201.0M$224.0M$239.0M$238.0M$233.0M$235.0M
Operating Expenses$145.0M$149.0M$149.0M$151.0M$153.0M$154.0M$154.0M$193.0M$167.0M$169.0M$166.0M$166.0M
Operating Profit$32.0M$40.0M$43.0M$42.0M$49.0M$46.0M$47.0M$31.0M$72.0M$70.0M$67.0M$69.0M
Operating Margin17.9%21.1%22.5%21.7%24.2%22.8%23.5%13.7%30.1%29.3%28.6%29.4%
Interest$42.0M$52.0M$52.0M$54.0M$55.0M$52.0M$47.0M$53.0M$56.0M$53.0M$48.0M$49.0M
Profit Before Tax$32.0M$40.0M$43.0M$42.0M$49.0M$46.0M$47.0M$31.0M$72.0M$70.0M$67.0M$69.0M
Tax$22.4M$23.5M$21.7M$21.9M$21.9M$20.9M$22.2M$26.7M$24.2M$20.4M$23.3M$23.3M
Net Profit$25.0M$30.0M$34.0M$33.0M$38.0M$36.0M$37.0M$23.0M$54.0M$56.0M$51.0M$53.0M
EPS$0.54$0.64$0.71$0.69$0.80$0.76$0.77$0.48$1.03$1.06$0.98$1.01

Over the 10 years reported for NBT Bancorp Inc., borrowings decreased from $887.0M in 2016 to $327.0M in 2025, cash stood at $185.0M in the latest year, shareholders' equity was $1.0M, current assets covered current liabilities 1.60 times.

Balance Sheet — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Total Assets$8.9B$9.1B$9.6B$9.7B$10.9B$12.0B$11.7B$13.3B$13.8B$16.0B
Current Assets$1.5B$1.4B$1.2B$1.2B$2.0B$3.0B$1.7B$1.6B$420.0M$237.0M
Cash$149.0M$160.0M$181.0M$217.0M$673.0M$1.3B$197.0M$205.0M$284.0M$185.0M
Inventory$0$0$0$0$0$0$0$0$0$0
Receivables$0$0$0$0$0$0$0$0$0$52.0M
Fixed Assets$84.0M$81.0M$79.0M$76.0M$74.0M$72.0M$69.0M$81.0M$81.0M$99.0M
Capital Work in Progress$0$0$0$0$0$0$0$0$0$0
Investments$8.0B$8.3B$8.6B$8.7B$9.4B$9.9B$10.5B$11.9B$12.3B$14.5B
Other Assets$265.0M$268.0M$275.0M$275.0M$281.0M$281.0M$281.0M$362.0M$363.0M$453.0M
Total Liabilities$8.0B$8.2B$8.5B$8.6B$9.7B$10.8B$10.6B$11.9B$12.3B$14.1B
Current Liabilities$7.7B$7.9B$8.2B$8.2B$9.3B$10.3B$10.1B$11.4B$11.7B$148.0M
Borrowings$887.0M$909.0M$1.0B$821.0M$407.0M$311.0M$788.0M$637.0M$415.0M$327.0M
Other Liabilities$7.1B$7.3B$7.5B$7.8B$9.3B$10.4B$9.8B$11.2B$11.8B$13.8B
Equity$0$0$0$0$0$0$0$1.0M$1.0M$1.0M
Reserves$913.0M$958.0M$1.0B$1.1B$1.2B$1.3B$1.2B$1.4B$1.5B$1.9B

For NBT Bancorp Inc., operating cash flow was positive in 10 of 10 reported years; free cash flow in the latest year was $219.0M; free cash flow was positive in 10 of 10 years.

Cash Flow Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Operating Cash Flow$110.0M$137.0M$148.0M$153.0M$145.0M$159.0M$183.0M$157.0M$189.0M$235.0M
Investing Cash Flow$-633.0M$-312.0M$-425.0M$-71.0M$-721.0M$-555.0M$-933.0M$-53.0M$-411.0M$153.0M
Financing Cash Flow$355.0M$193.0M$196.0M$218.0M$1.5B$1.1B$-755.0M$157.0M$576.0M$74.0M
Net Cash Flow$9.0M$10.0M$21.0M$36.0M$456.0M$596.0M$-1.1B$8.0M$79.0M$203.0M
Free Cash Flow$106.0M$130.0M$140.0M$147.0M$137.0M$151.0M$176.0M$148.0M$177.0M$219.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.27
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y26.08%
Return 3Y61.52%
Return 5Y84.20%

NBT Bancorp Inc. (NBTB) financials — frequently asked questions

What is NBT Bancorp Inc.'s annual revenue?

NBT Bancorp Inc. (NBTB) reported annual revenue of $867.0M in its most recent fiscal year.

What is NBT Bancorp Inc.'s net profit?

NBT Bancorp Inc. (NBTB) reported net profit of $169.0M in its most recent fiscal year.

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