20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.
NBT Bancorp Inc (NBTB) operates in the BANKS - REGIONAL industry and is headquartered in Norwich, United States with about 2,303 employees. Its market capitalization is roughly $3 billion. In the fiscal year ended 2025-12-31, NBTB reported $867M in revenue and $169M in net income.
NBT Bancorp Inc., a financial holding company, provides personal and commercial banking, retail banking, and wealth management services in the United States. It operates through Banking, Retirement Plan Administration, and All Other segments.
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| Income statement | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | $945M | $867M | $786M | $662M | $537M | $495M | $491M | $507M | $465M | $425M | $399M | $385M | $378M | $369M | $324M | $318M | $337M | $354M | $366M | $366M | $337M |
| Gross Profit | $724M | $626M | $555M | $493M | $498M | $484M | $408M | $426M | $397M | $368M | $351M | $346M | $336M | $316M | $269M | $257M | $254M | $243M | $231M | $195M | $203M |
| Gross Margin % | 76.6% | 72.1% | 70.6% | 74.4% | 92.7% | 97.9% | 83.0% | 84.0% | 85.5% | 86.6% | 88.0% | 89.9% | 88.7% | 85.6% | 82.9% | 81.0% | 75.3% | 68.8% | 63.0% | 53.2% | 60.2% |
| Operating Income (EBIT) | $277M | $219M | $179M | $153M | $196M | $200M | $133M | $155M | $137M | $128M | $119M | $117M | $112M | $90M | $77M | $79M | $78M | $73M | $84M | $72M | $80M |
| Operating Margin % | 29.3% | 25.3% | 22.8% | 23.2% | 36.5% | 40.4% | 27.1% | 30.6% | 29.5% | 30.1% | 29.8% | 30.3% | 29.7% | 24.3% | 23.9% | 24.9% | 23.3% | 20.5% | 22.9% | 19.7% | 23.7% |
| Net Income | $214M | $169M | $141M | $119M | $152M | $155M | $104M | $121M | $113M | $82M | $78M | $76M | $75M | $62M | $55M | $58M | $57M | $52M | $58M | $50M | $56M |
| Net Margin % | 22.7% | 19.5% | 17.9% | 17.9% | 28.3% | 31.3% | 21.2% | 23.8% | 24.2% | 19.3% | 19.6% | 19.9% | 19.8% | 16.7% | 16.8% | 18.2% | 17.1% | 14.7% | 15.9% | 13.8% | 16.6% |
| EBITDA | $302M | $241M | $207M | $176M | $215M | $220M | $154M | $176M | $150M | $141M | $132M | $130M | $126M | $103M | $87M | $88M | $87M | $81M | $91M | $79M | $88M |
| Earnings Per Share (EPS) | $4.20 | $3.33 | $2.97 | $2.65 | $3.52 | $3.54 | $2.37 | $2.74 | $2.56 | $1.87 | $1.80 | $1.72 | $1.69 | $1.46 | $1.62 | $1.71 | $1.66 | $1.53 | $1.80 | $1.51 | $1.64 |
| Shares Outstanding (M) | 52M | 51M | 47M | 45M | 43M | 44M | 44M | 44M | 44M | 44M | 44M | 44M | 44M | 42M | 34M | 34M | 35M | 34M | 32M | 33M | 34M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly income statement | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Total Revenue | $235M | $233M | $238M | $239M | $224M | $201M | $199M | $201M |
| Gross Profit | $181M | $179M | $181M | $183M | $153M | $146M | $146M | $144M |
| Gross Margin % | 76.7% | 76.9% | 76.1% | 76.6% | 68.2% | 72.8% | 73.0% | 71.5% |
| Operating Income (EBIT) | $69M | $67M | $70M | $72M | $31M | $47M | $46M | $49M |
| Operating Margin % | 29.3% | 28.6% | 29.2% | 30.1% | 13.7% | 23.5% | 22.8% | 24.2% |
| Net Income | $53M | $51M | $56M | $54M | $23M | $37M | $36M | $38M |
| Net Margin % | 22.5% | 22.0% | 23.3% | 22.8% | 10.1% | 18.3% | 18.1% | 18.9% |
| EBITDA | $78M | $76M | $72M | $75M | $39M | $54M | $52M | $56M |
| Earnings Per Share (EPS) | $1.01 | $0.98 | $1.06 | $1.16 | $0.48 | $0.78 | $0.76 | $0.80 |
| Shares Outstanding (M) | 52M | 52M | 53M | 47M | 47M | 47M | 48M | 47M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Cash flow | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $262M | $235M | $189M | $157M | $183M | $158M | $142M | $153M | $148M | $137M | $110M | $125M | $88M | $119M | $89M | $84M | $89M | $55M | $87M | $86M | $66M |
| Capital Expenditures (CapEx) | $16M | $16M | $12M | $9M | $7M | $8M | $8M | $7M | $7M | $7M | $3M | $8M | $9M | $6M | $7M | $10M | $7M | $6M | $6M | $2M | $4M |
| Free Cash Flow (FCF) | $246M | $219M | $177M | $148M | $176M | $150M | $134M | $147M | $140M | $130M | $106M | $116M | $79M | $114M | $82M | $74M | $83M | $48M | $81M | $83M | $61M |
| FCF Margin % | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Dividends Paid | $77M | $73M | $62M | $56M | $50M | $48M | $47M | $46M | $43M | $40M | $39M | $38M | $37M | $34M | $27M | $27M | $28M | $27M | $26M | $26M | $26M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly cash flow | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $62M | $53M | $66M | $81M | $46M | $42M | $49M | $52M |
| Capital Expenditures (CapEx) | $1M | $4M | $4M | $6M | $4M | $4M | $4M | $4M |
| Free Cash Flow (FCF) | $61M | $49M | $62M | $74M | $43M | $38M | $46M | $48M |
| FCF Margin % | — | — | — | — | — | — | — | — |
| Dividends Paid | $19M | $19M | $19M | $19M | $18M | $16M | $16M | $16M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Balance sheet | 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $16.2B | $16.0B | $13.8B | $13.3B | $11.7B | $12.0B | $10.9B | $9.7B | $9.6B | $9.1B | $8.9B | $8.3B | $7.8B | $7.7B | $6.0B | $5.6B | $5.3B | $5.5B | $5.3B | $5.2B | $5.1B |
| Cash & Cash Equivalents | $187M | $185M | $284M | $205M | $197M | $1.3B | $673M | $217M | $181M | $160M | $149M | $140M | $147M | $159M | $164M | $129M | $169M | $187M | $110M | $163M | $139M |
| Total Liabilities | $14.3B | $14.1B | $12.3B | $11.9B | $10.6B | $10.8B | $9.7B | $8.6B | $8.5B | $8.2B | $8.0B | $7.4B | $6.9B | $6.8B | $5.5B | $5.1B | $4.8B | $5.0B | $4.9B | $4.8B | $4.7B |
| Total Debt (Short + Long-Term) | $471M | $327M | $415M | $637M | $788M | $311M | $368M | $756M | $1.0B | $909M | $887M | $674M | $549M | $854M | $606M | $627M | $605M | $707M | $874M | $739M | $745M |
| Total Shareholders' Equity | $1.9B | $1.9B | $1.5B | $1.4B | $1.2B | $1.2B | $1.2B | $1.1B | $1.0B | $958M | $913M | $882M | $864M | $817M | $582M | $538M | $534M | $505M | $432M | $397M | $404M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive NBTB viewer.
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