NBT BANCORP INC
NBT BANCORP INC
Subscribe to unlock 17+ years of financial data
Subscribe to unlock 17+ years of data
Financial Statements
Values in Millions ($) | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Financial statements beyond 3 years are for subscribers only. Unlock 17+ years of income statements, balance sheets, and cash flow statements Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Cash And Due From Banks | 187 | 152 | 185 | 246 | 265 | 217 | 205 | 251 | 172 | 162 | 174 | 213 | |||||
Interest Bearing Deposits In Banks | 107 | 565 | 302 | 394 | 277 | 37 | 79 | 232 | 35 | 157 | 31 | 459 | |||||
Equity Securities Fv Ni | - | - | - | - | - | - | - | - | 40 | 39 | 38 | 36 | |||||
Equity Securities Fv Ni Current And Noncurrent | 51 | 47 | 49 | 50 | 47 | 42 | 42 | 42 | - | - | 38 | - | |||||
Available For Sale Securities Debt Securities | 2,006 | 1,919 | 1,863 | 1,813 | 1,729 | 1,705 | 1,575 | 1,509 | 1,439 | 1,418 | 1,431 | 1,399 | |||||
Debt Securities Held To Maturity Amortized Cost Af… | 755 | 749 | 763 | 771 | 810 | 837 | 843 | 855 | 879 | 891 | 905 | 915 | |||||
Federal Home Loan Bank Stock And Federal Reserve B… | 52 | 45 | 45 | 45 | 41 | 32 | 34 | 38 | 38 | 37 | 46 | 50 | |||||
Loans Receivable Held For Sale Net Not Part Of Dis… | 0 | 0 | 1 | 4 | 4 | 14 | 10 | 4 | 3 | 3 | 3 | 4 | |||||
Notes Receivable Gross | 11,874 | 11,547 | 11,598 | 11,595 | 11,625 | 9,980 | 9,970 | 9,907 | 9,854 | 9,688 | 9,651 | 9,667 | |||||
Financing Receivable Allowance For Credit Losses | - | 139 | 138 | 139 | 140 | 117 | 116 | 120 | 121 | 115 | 114 | 115 | |||||
Notes Receivable Net | 11,734 | 11,409 | 11,460 | 11,456 | 11,484 | 9,863 | 9,854 | 9,788 | 9,734 | 9,573 | 9,536 | 9,553 | |||||
Property Plant And Equipment Net | 98 | 100 | 99 | 99 | 96 | 82 | 81 | 80 | 79 | 80 | 81 | 83 | |||||
Goodwill | 453 | 453 | 453 | 454 | 454 | 363 | 363 | 362 | 362 | 362 | 362 | 360 | |||||
Intangible Assets Net Excluding Goodwill | 51 | 54 | 58 | 61 | 64 | 34 | 36 | 36 | 37 | 39 | 40 | 43 | |||||
Bank Owned Life Insurance | 315 | 319 | 318 | 318 | 318 | 272 | 273 | 271 | 269 | 267 | 266 | 265 | |||||
Other Assets | 406 | 393 | 400 | 402 | 426 | 368 | 393 | 373 | 414 | 409 | 396 | 448 | |||||
Noninterest Bearing Deposit Liabilities Domestic | 3,861 | 3,847 | 3,800 | 3,871 | 3,867 | 3,399 | 3,446 | 3,476 | 3,334 | 3,360 | 3,414 | 3,716 | |||||
Time Deposits | 1,329 | 1,388 | 1,492 | 1,592 | 1,651 | 1,451 | 1,443 | 1,433 | 1,405 | 1,368 | 1,325 | 1,344 | |||||
Deposits | 13,537 | 13,743 | 13,499 | 13,661 | 13,515 | 11,709 | 11,547 | 11,588 | 11,271 | 11,195 | 10,969 | 11,401 | |||||
Short Term Borrowings | 316 | 118 | 148 | 139 | 113 | 86 | 163 | 205 | 225 | 267 | 387 | 490 | |||||
Liabilities | |||||||||||||||||
Liabilities | 14,271 | 14,290 | 14,099 | 14,259 | 14,210 | 12,298 | 12,261 | 12,318 | 12,040 | 11,998 | 11,883 | 12,465 | |||||
Subordinated Debt | 0 | 25 | 25 | 24 | 142 | 122 | 121 | 121 | 120 | 120 | 120 | 119 | |||||
Junior Subordinated Debenture Owed To Unconsolidat… | 112 | 112 | 112 | 112 | 112 | 101 | 101 | 101 | 101 | 101 | 101 | 101 | |||||
Other Liabilities | 263 | 250 | 272 | 279 | 283 | 277 | 299 | 273 | 292 | 284 | 277 | 323 | |||||
Assets | |||||||||||||||||
Assets | 16,215 | 16,204 | 15,995 | 16,113 | 16,015 | 13,864 | 13,787 | 13,840 | 13,502 | 13,439 | 13,309 | 13,828 | |||||
Preferred Stock Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock Value | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Additional Paid In Capital | 966 | 966 | 965 | 964 | 963 | 741 | 743 | 743 | 742 | 741 | 741 | 741 | |||||
Stockholders Equity | |||||||||||||||||
Retained Earnings Accumulated Deficit | 1,263 | 1,229 | 1,197 | 1,161 | 1,126 | 1,121 | 1,100 | 1,080 | 1,058 | 1,041 | 1,022 | 1,006 | |||||
Stockholders Equity | 1,944 | 1,914 | 1,896 | 1,853 | 1,805 | 1,566 | 1,526 | 1,522 | 1,462 | 1,441 | 1,426 | 1,363 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -89 | -87 | -83 | -99 | -109 | -122 | -142 | -126 | -163 | -164 | -161 | -208 | |||||
Treasury Stock Common Value | -196 | -194 | -183 | -173 | -174 | -175 | -175 | -176 | -176 | -176 | -177 | -177 | |||||
Liabilities And Stockholders Equity | 16,215 | 16,204 | 15,995 | 16,113 | 16,015 | 13,864 | 13,787 | 13,840 | 13,502 | 13,439 | 13,309 | 13,828 | |||||
Held To Maturity Securities Fair Value | 693 | 687 | 703 | 706 | 735 | 756 | 750 | 782 | 780 | 793 | 815 | 784 | |||||
Preferred Stock Par Or Stated Value Per Share | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | |||||
Preferred Stock Shares Authorized | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | |||||
Common Stock Par Or Stated Value Per Share | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | |||||
Common Stock Shares Authorized | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | |||||
Common Stock Shares Issued | 59 | 59 | 59 | 59 | 59 | 54 | 54 | 54 | 54 | 54 | 54 | 54 | |||||
Treasury Stock Common Shares | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | |||||
Subscribe to unlock 17+ years of financial data, unlimited metrics, and saved tables
Subscribe to unlock 17+ years of data, unlimited metrics, and saved tables
Custom Table
Subscribe to unlock 17+ years of financial data, unlimited metrics, transformations, and saved visuals
Subscribe to unlock 17+ years of data, unlimited metrics, transformations, and saved visuals
Interactive Financial Visualizations
Subscribe to unlock 17+ years of financial data
Subscribe to unlock 17+ years of data
Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 1.43% | 9.65% | 15.82% | - | - | - | - | - | - | - | - | - |
| 2025 | -2.72% | -1.83% | -3.02% | 9.01% | 4.75% | 0.76% | -0.36% | 3.57% | 5.85% | -3.87% | 7.79% | 4.11% |
| 2024 | -1.38% | 3.28% | 33.35% | 10.79% | -1.54% | -1.38% | 1.48% | -1.31% | -2.11% | -9.72% | -16.14% | -6.96% |
| 2023 | - | - | - | - | - | - | 8.71% | 22.71% | 8.33% | 3.43% | 0.64% | 11.22% |
Earnings Market Reaction data beyond 3 years is for subscribers only. Unlock the full earnings market reaction history Start 7-day free trial | ||||||||||||
Subscribe to unlock 17+ years of financial data and 90+ calculated metrics
Subscribe to unlock 17+ years of data and 90+ calculated metrics
Performance and Valuation Metrics
Rows marked with a lock icon are subscribers only — subscribe to unlock 90+ calculated metrics and 17+ years of history.
Metrics | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Metric history beyond 3 years is for subscribers only. Unlock 17+ years of history across 90+ calculated metrics Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | -0.49 | -0.55 | -0.56 | -0.59 | -0.61 | -0.55 | -0.21 | 0.26 | 0.84 | 1.87 | 2.06 | 2.57 | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | 4.12 | 3.52 | 3.33 | 2.86 | 2.64 | 3.04 | 2.97 | 2.86 | 2.58 | 2.52 | 2.65 | 2.76 | |||||
| Free Cash Flow Per Share TTM | 4.72 | 4.40 | 4.32 | 3.86 | 3.48 | 3.83 | 3.75 | 3.48 | 3.55 | 3.44 | 3.33 | 3.16 | |||||
| Dividend Per Share TTM | 1.48 | 1.45 | 1.43 | 1.32 | 1.30 | 1.34 | 1.32 | 1.30 | 1.28 | 1.23 | 1.26 | 1.19 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | 72.44% | 71.52% | 70.54% | 69.42% | 68.00% | 66.57% | 65.41% | 61.84% | 62.71% | 64.66% | 68.69% | 78.75% | |||||
| Operating Profit Margin TTM | 37.10% | 32.32% | 30.86% | 28.71% | 26.67% | 29.63% | 29.34% | 28.72% | 26.74% | 27.62% | 29.35% | 33.34% | |||||
| Net Profit Margin TTM | 28.65% | 24.84% | 23.80% | 22.01% | 20.65% | 23.19% | 22.99% | 22.33% | 20.76% | 21.41% | 22.72% | 25.87% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 15.71% | 19.40% | 16.24% | 12.46% | 10.28% | 11.45% | 17.00% | 25.74% | 32.16% | 34.17% | 36.12% | 32.08% | |||||
| Net Income Growth (1Y) | 60.59% | 27.91% | 20.33% | 10.84% | 9.68% | 20.69% | 18.40% | 8.54% | -12.41% | -18.82% | -21.85% | -18.75% | |||||
| EPS Growth (1Y) | 56.24% | 15.94% | 12.05% | -0.26% | 2.27% | 20.45% | 11.78% | 3.91% | -20.31% | -26.15% | -24.68% | -22.94% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 11.98 | 11.99 | 12.22 | 14.25 | 15.23 | 13.53 | 15.25 | 14.60 | 14.06 | 13.53 | 14.49 | 10.51 | |||||
| P/B TTM | 1.32 | 1.15 | 1.09 | 1.15 | 1.13 | 1.24 | 1.41 | 1.30 | 1.17 | 1.12 | 1.21 | 0.96 | |||||
| P/S TTM | 3.43 | 2.98 | 2.91 | 3.14 | 3.14 | 3.14 | 3.51 | 3.26 | 2.92 | 2.90 | 3.29 | 2.72 | |||||
| Market Cap | 2.57B | 2.20B | 2.07B | 2.13B | 2.03B | 1.94B | 2.14B | 1.97B | 1.71B | 1.61B | 1.72B | 1.31B | |||||
| Enterprise Value | 2.59B | 1.60B | 1.73B | 1.63B | 1.60B | 1.77B | 2.02B | 1.70B | 1.73B | 1.56B | 1.90B | 1.13B | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 245.61M | 229.23M | 218.92M | 202.34M | 175.82M | 180.81M | 176.83M | 164.02M | 167.37M | 162.07M | 148.20M | 142.91M | |||||
| Net Debt | 21.79M | -598.27M | -339.05M | -501.51M | -428.59M | -168.49M | -121.11M | -277.50M | 17.18M | -51.96M | 181.46M | -182.47M | |||||
Per-Share and Margin | |||||||||||||||||
| EPS TTM | |||||||||||||||||
| Adjusted EPS TTM | |||||||||||||||||
| Cash Flow Per Share TTM | |||||||||||||||||
| Pretax Margin TTM | |||||||||||||||||
| Stock Comp to Revenue TTM | |||||||||||||||||
Turnover Ratios and Averages | |||||||||||||||||
| Average Assets | |||||||||||||||||
| Average Equity | |||||||||||||||||
| Average Inventory | |||||||||||||||||
| Average Receivables | |||||||||||||||||
| Average Accounts Payables | |||||||||||||||||
| Inventory Turnover TTM | |||||||||||||||||
| Payables Turnover TTM | |||||||||||||||||
| Days Inventory Outstanding TTM | |||||||||||||||||
| Days Payables Outstanding TTM | |||||||||||||||||
| Cash Conversion Cycle TTM | |||||||||||||||||
| Working Capital to Revenue | |||||||||||||||||
| Deferred Revenue to Revenue | |||||||||||||||||
Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
| Total Assets Growth (3Y) | |||||||||||||||||
| Total Assets Growth (5Y) | |||||||||||||||||
| Dividends Paid Growth (1Y) | |||||||||||||||||
| Dividends Paid Growth (3Y) | |||||||||||||||||
| Dividends Paid Growth (5Y) | |||||||||||||||||
| EPS Growth (3Y) | |||||||||||||||||
| EPS Growth (5Y) | |||||||||||||||||
| Net Income Growth (3Y) | |||||||||||||||||
| Net Income Growth (5Y) | |||||||||||||||||
| Net Profit Margin Growth (1Y) | |||||||||||||||||
| Net Profit Margin Growth (3Y) | |||||||||||||||||
| Net Profit Margin Growth (5Y) | |||||||||||||||||
| Net Revenue Growth (3Y) | |||||||||||||||||
| Net Revenue Growth (5Y) | |||||||||||||||||
| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to Equity | |||||||||||||||||
| Altman A | |||||||||||||||||
| Altman B | |||||||||||||||||
| Altman C | |||||||||||||||||
| Altman D | |||||||||||||||||
| Altman E | |||||||||||||||||
| Altman Z-Score | |||||||||||||||||
| ROA TTM | |||||||||||||||||
| ROE TTM | |||||||||||||||||
| NOPAT TTM | |||||||||||||||||
| ROIC TTM | |||||||||||||||||
| Effective Tax Rate TTM | |||||||||||||||||
| Payout Ratio TTM | |||||||||||||||||
| Dilution Ratio | |||||||||||||||||
| Retained Earnings to Equity | |||||||||||||||||
| Treasury Stock to Equity | |||||||||||||||||
| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
| NCAV | |||||||||||||||||
| NCAV Per Share TTM | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
| P/CF TTM | |||||||||||||||||
| PEG Ratio | |||||||||||||||||
| Dividend Yield TTM | |||||||||||||||||
| Free Cash Flow Yield TTM | |||||||||||||||||
| EV EBITDA TTM | |||||||||||||||||
| EV EBIT TTM | |||||||||||||||||
| EV Revenue TTM | |||||||||||||||||
| EV FCF TTM | |||||||||||||||||
| Stock Compensation TTM | |||||||||||||||||
| Adjusted Net Income TTM | |||||||||||||||||
| Billings TTM | |||||||||||||||||
| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
Subscribe to unlock 17+ years of financial data
Subscribe to unlock 17+ years of data
Insider Transactions
Subscribe to unlock 17+ years of financial data
Subscribe to unlock 17+ years of data
Institutional Ownership
NBT BANCORP INC (NBTB) — SEC Financial Statements & Analysis
NBT BANCORP INC (NBTB) is a national commercial banks company, incorporated in DE. NBT BANCORP INC trades on Nasdaq as: NBTB. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), NBT BANCORP INC reported a 15.71% year-over-year revenue growth, a Gross Profit Margin of 72.44% (TTM), a Price-to-Sales (P/S) ratio of 3.43x (TTM), a Price-to-Book (P/B) ratio of 1.32x (TTM), at a market cap of $2.57B. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- 15.71%
- Gross Profit Margin TTM
- 72.44%
- P/S TTM
- 3.43x
- P/B TTM
- 1.32x
- Market Cap
- $2.57B
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is NBT BANCORP INC in?
NBT BANCORP INC (NBTB) operates in the National Commercial Banks industry.
What is NBTB's market cap?
NBT BANCORP INC (NBTB) has a market capitalization of $2.57B as of 2026-06-30.
What is NBTB's P/E ratio?
NBT BANCORP INC (NBTB)'s trailing twelve month P/E ratio is 11.98x as of 2026-06-30.
What exchange does NBTB trade on?
NBT BANCORP INC (NBTB) trades on the Nasdaq.
Where is NBT BANCORP INC incorporated?
NBT BANCORP INC is incorporated in DE.