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NBT Bancorp NBTB · USD

Financials · US listing · 🇺🇸 United States

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53.64

+1.53%

Close of 9 Nov 2026, in USD

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Reference data, closing prices and charts across 45,000 companies, plus crypto, commodities and currencies.

At a glance

Figures in USD, from our data supplier.

FY2025

Revenue, before interest expense

$867.4m

FY2016FY2025

Net income

$169.2m

FY2016FY2025

Total assets

$16.00bn

FY2016FY2025

Shareholders' equity

$1.90bn

FY2016FY2025

Income statement

Fiscal years

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue, before interest expense$867.4m$786.0m$662.3m$537.0m$494.8m$491.3m$507.4m$464.8m$425.1m$399.2m
Operating income$219.4m$179.5m$153.5m$196.2m$199.9m$133.1m$155.4m$137.0m$128.2m$118.8m
Net income$169.2m$140.6m$118.8m$152.0m$154.9m$104.4m$121.0m$112.6m$82.2m$78.4m
Diluted earnings per share3.222.962.513.523.552.372.742.551.861.79

Balance sheet

At each fiscal year end

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Total assets$16.00bn$13.79bn$13.31bn$11.74bn$12.01bn$10.93bn$9.72bn$9.56bn$9.14bn$8.87bn
Cash and short-term investments$185.2m$420.4m$1.64bn$1.72bn$2.96bn$2.02bn$1.19bn$1.18bn$1.42bn$1.49bn
Total liabilities$14.10bn$12.26bn$11.88bn$10.57bn$10.76bn$9.75bn$8.60bn$8.54bn$8.18bn$7.95bn
Debt$327.4m$415.0m$637.4m$788.0m$311.0m$407.0m$821.0m$1.05bn$909.0m$887.0m
Shareholders' equity$1.90bn$1.53bn$1.43bn$1.17bn$1.25bn$1.19bn$1.12bn$1.02bn$958.2m$913.3m
Shares outstanding53m48m47m43m44m44m44m44m44m44m

Latest quarters

By quarter end

Jun 2026Mar 2026Dec 2025Sept 2025Jun 2025Mar 2025Dec 2024Sept 2024
Revenue, before interest expense$235.5m$232.8m$238.2m$238.8m$224.0m$201.2m$199.5m$201.4m
Operating income$69.1m$66.7m$69.7m$71.8m$30.7m$47.2m$45.5m$48.8m
Net income$53.0m$51.1m$55.5m$54.5m$22.5m$36.7m$36.0m$38.1m
Diluted earnings per share1.010.981.061.040.430.700.760.80
Total assets$16.21bn$16.20bn$16.00bn$16.11bn$16.01bn$13.86bn$13.79bn$13.84bn
Cash and short-term investments$187.2m$151.6m$185.2m$806.0m$724.0m$438.8m$420.4m$1.99bn
Debt$471.2m$297.4m$327.4m$319.4m$411.4m$313.0m$415.0m$456.7m
Shareholders' equity$1.94bn$1.91bn$1.90bn$1.85bn$1.81bn$1.57bn$1.53bn$1.52bn

Financial ratios

Data as of 28 Oct 2026

FY2025FY2024FY2023FY2022FY2021FY2020
Operating margin25.3%22.8%23.2%36.5%40.4%27.1%
Net margin19.5%17.9%17.9%28.3%31.3%21.2%
Return on equity8.9%9.2%8.3%13.0%12.4%8.8%
Return on assets1.1%1.0%0.9%1.3%1.3%1.0%
Revenue growth10.4%18.7%23.3%8.5%0.7%-3.2%
Earnings growth20.3%18.4%-21.9%-1.9%48.4%-13.7%
Current ratio1.60x0.04x0.14x0.17x0.29x0.22x
Debt to equity0.17x0.27x0.45x0.67x0.25x0.31x
Equity ratio11.9%11.1%10.7%10.0%10.4%10.9%
Interest coverage1.05x0.85x1.06x8.97x10.64x4.08x
Buybacks as a share of market value-10.6%-0.3%-9.8%1.0%0.9%0.5%

Growth per year

Compound annual rate

3 years5 years10 years
Revenue8.5%7.5%6.1%
Operating income3.8%10.5%6.5%
Net income3.6%10.1%8.3%

Average margins

Over each period

1 year3 years5 years10 years
Operating margin24.1%26.2%28.2%28.9%
Net margin18.7%20.4%21.9%21.8%

Valuation history

At each fiscal year end

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Price to earnings12.916.116.712.310.813.514.813.519.823.3
Price to sales3.34.03.53.63.53.14.03.64.14.9

Market value over time

30 Nov 2016 to 27 Oct 2026, in USD

$1.68bn$2.77bn

Share price return

Finished calendar years

2025202420232022202120202019201820172016
Return-8%16%-2%16%17%-24%27%-14%-10%57%

Dividends and splits

Per share, in the currency the company pays

Paid for 34 years. Last went ex-dividend on 1 Dec 2026.

FY2026FY2025FY2024FY2023FY2022FY2021FY2020FY2019
Paid in the year1.541.421.321.241.161.101.081.05
  • 21-for-20 split · 29 Nov 1999
  • 21-for-20 split · 27 Nov 1998
  • 4-for-3 split · 16 Jun 1998
  • 21-for-20 split · 26 Nov 1997
  • 21-for-20 split · 26 Nov 1996
  • 21-for-20 split · 29 Nov 1995

Sources and methodology

Data on this tab
Our data supplier
Chart on the Overview
TradingView

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