NBTB

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NBT Bancorp Inc.

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Key Metrics

Previous Close: $51.75
52-Week Range: $39.20 – $54.50
Market Cap: $2.70B
P/E (TTM): 12.59
EPS (TTM): 4.12
Dividend Yield: 3.09%

Advanced Metrics

Price/Book: 1.39
PEG Ratio: 2.66
Return on Equity: 11.42%
Return on Assets: 1.33%
Gross Margin: 0.00%
Operating Margin: 41.45%
Profit Margin: 29.59%
Current Ratio: —
Debt/Equity: —
Total Debt: $543.25M
Free Cash Flow: —
Revenue Growth: 17.80%
Earnings Growth: 131.80%
Enterprise Value: $2.87B

NBTB Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$515.12M	$517.78M	$574.44M	$694.39M
Selling, General & Admin	$193.85M	$203.56M	$242.64M	$269.38M
Pretax Income	$196.16M	$153.46M	$179.46M	$219.44M
Income Tax	$44.16M	$34.68M	$38.82M	$50.21M
Net Income	$152.00M	$118.78M	$140.64M	$169.24M
Diluted EPS	3.52	2.65	2.97	3.33
Diluted Shares	43.18M	44.77M	47.43M	50.88M

NBTB Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$197.35M	$205.19M	$284.06M	$487.12M
Total Assets	$11.74B	$13.31B	$13.79B	$16.00B
Long-Term Debt	$202.94M	$250.74M	$252.04M	$179.35M
Total Debt	$701.94M	$543.74M	$268.04M	$179.35M
Total Liabilities	$10.57B	$11.88B	$12.26B	$14.10B
Retained Earnings	$958.43M	$1.02B	$1.10B	$1.20B
Shareholders' Equity	$1.17B	$1.43B	$1.53B	$1.90B
Net Debt	$504.59M	$338.55M	—	—

NBTB Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$183.22M	$157.46M	$188.57M	$235.22M
Capital Expenditure	-$7.01M	-$9.25M	-$11.74M	-$16.30M
Free Cash Flow	$176.21M	$148.20M	$176.82M	$218.92M
Depreciation & Amortisation	$19.06M	$22.27M	$27.50M	$33.53M
Stock-Based Compensation	$4.53M	$5.10M	$5.99M	$5.28M
Investing Cash Flow	-$926.22M	-$44.23M	-$399.16M	$169.07M
Financing Cash Flow	-$328.73M	-$105.39M	$289.46M	-$201.23M
Dividends Paid	-$49.77M	-$55.89M	-$62.26M	-$72.59M
Share Repurchases	-$14.71M	-$4.94M	-$251.00K	-$10.19M
Net Change in Cash	-$1.07B	$7.84M	$78.87M	$203.06M

NBTB Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$170.66M	$185.35M	$184.36M	$183.87M	—
Selling, General & Admin	$66.95M	$69.73M	$69.17M	$71.69M	—
Pretax Income	$30.71M	$71.83M	$69.69M	$66.67M	—
Income Tax	$8.20M	$17.35M	$14.18M	$15.53M	—
Net Income	$22.51M	$54.47M	$55.51M	$51.14M	—
Diluted EPS	0.44	1.03	1.06	0.98	1.02
Diluted Shares	50.79M	52.64M	52.52M	52.35M	52.24M

NBTB Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$254.08M	$541.56M	$640.24M	$487.12M	$716.07M
Total Assets	$13.86B	$16.01B	$16.11B	$16.00B	$16.20B
Long-Term Debt	$227.38M	$298.41M	$180.63M	$179.35M	$179.60M
Total Debt	$227.38M	$298.41M	$180.63M	$179.35M	$179.60M
Total Liabilities	$12.30B	$14.21B	$14.26B	$14.10B	$14.29B
Retained Earnings	$1.12B	$1.13B	$1.16B	$1.20B	$1.23B
Shareholders' Equity	$1.57B	$1.81B	$1.85B	$1.90B	$1.91B

NBTB Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$42.01M	$46.48M	$80.59M	$66.15M	$53.04M
Capital Expenditure	-$3.70M	-$2.33M	-$6.24M	-$4.03M	-$4.42M
Free Cash Flow	$38.30M	$44.15M	$74.35M	$62.12M	$48.62M
Depreciation & Amortisation	$7.03M	$8.41M	$9.06M	$9.04M	$9.07M
Stock-Based Compensation	$2.17M	$873.00K	$1.59M	$647.00K	$3.37M
Investing Cash Flow	-$113.16M	$331.90M	-$13.82M	-$35.84M	-$5.69M
Financing Cash Flow	$41.19M	-$90.89M	$31.91M	-$183.43M	$181.60M
Dividends Paid	-$16.07M	-$17.81M	-$19.40M	-$19.32M	-$19.24M
Share Repurchases	$0.00	$0.00	$0.00	-$10.19M	-$11.01M
Net Change in Cash	-$29.97M	$287.48M	$98.68M	-$153.13M	$228.96M

Market Snapshot

About

NBT Bancorp Inc. is a financial holding company operating community banks across upstate New York, Vermont, Massachusetts, New Hampshire, and Maine. The company provides commercial banking, retail banking, wealth management, and insurance services through over 140 locations. NBT emphasizes local decision-making and relationship banking while maintaining diversified revenue streams through fee-based businesses.