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Nbt Bancorp Inc

NBTB Nasdaq National Commercial Banks Financials FY2016–FY2025

Last close · Oct 23, 2026

$52.87

0.2%
Compare
Revenue Total sales reported in the income statement.
$183M
10.4% vs prior year
Efficiency ratio Noninterest expense as a share of revenue. Lower is better for banks.
243.4%
15.4 pts
Net income Profit after all expenses, interest and tax.
$169M
20.3%
Return on equity Net income as a share of average shareholders' equity.
9.9%
0.4 pts
Market cap Last close times the latest diluted share count, so it is approximate.
$2.7B
Oct 23 close
P/E Last close divided by diluted earnings per share over the last four quarters.
12.8x
On $4.12 EPS (TTM)

What Nbt Bancorp Inc does

No business description yet.

Legal name
NBT BANCORP INC
Fiscal year ends
December 31, 2025
Latest annual report
10-K · Feb 27, 2026
Accession · CIK
0001140361-26-007179
0000790359

Revenue and margins

Nbt Bancorp Inc had $183M of revenue in fiscal 2025, up 10.4% on the year before.

Revenue
Revenue
Net interest income share and efficiency ratio
Net interest share Efficiency ratio
Net interest income share and efficiency ratio
Net interest share Efficiency ratio

Net income and earnings per share

From fiscal 2016 to 2025, diluted EPS grew 7.1% a year. Loss periods are shown in red.

Net income
Net income
Diluted EPS
Diluted EPS

Returns and efficiency

For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.

Return on equity, return on tangible equity and efficiency ratio
ROE ROTE Efficiency ratio

Dividends, buybacks and share count

Nbt Bancorp Inc returned $82.8M to shareholders in fiscal 2025, 38% of free cash flow. The diluted share count rose 7.3%.

Dividends and buybacks
Dividends Buybacks
Dividends and buybacks
Dividends Buybacks
Diluted shares outstanding (annual)

Balance sheet

Loans, deposits and capital at each fiscal year end.

Loans and deposits
Loans Deposits
Fiscal year endFY21FY22FY23FY24FY25
Deposits $10.2B$9.5B$11.0B$11.5B$13.5B
Total assets $12.0B$11.7B$13.3B$13.8B$16.0B
Shareholders' equity $1.3B$1.2B$1.4B$1.5B$1.9B
Goodwill $281M$281M$362M$363M$453M
Intangible assets $8.9M$7.3M$40.4M$36.4M$57.7M

Insider trades

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. “Plan” marks trades under a pre-arranged Rule 10b5-1 plan.

Bought, 12 months

$0.0M

0 insiders

Sold, 12 months

$0.0M

0 insiders

Of sales under plans

—

$0.0M

No open-market insider trades in the last 12 months.

10 years of figures

Amounts in USD. Hover a ratio’s name for its definition.

Download CSV
Fiscal yearFY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $111M $113M $126M $134M $141M $151M $151M $145M $166M $183M
Net interest income $264M $283M $306M $312M $316M $321M $362M $378M $400M $502M
Noninterest income $116M $121M $125M $144M $146M $158M $156M $142M $177M $195M
Noninterest expense $236M $246M $265M $275M $278M $287M $304M $342M $378M $445M
Provision for credit losses $25.4M $31.0M $28.8M $25.4M $51.1M — — — — —
Interest expense $22.5M $25.9M $38.6M $56.0M $32.6M $18.8M $21.9M $145M — —
Pretax income $119M $128M $137M $155M $133M $200M $196M $153M $179M $219M
Income tax $40.4M $46.0M $24.4M $34.4M $28.7M $45.0M $44.2M $34.7M $38.8M $50.2M
Net income $78.4M $82.2M $113M $121M $104M $155M $152M $119M $141M $169M
Diluted EPS $1.80 $1.87 $2.56 $2.74 $2.37 $3.54 $3.52 $2.65 $2.97 $3.33
Diluted shares 0.00B 0.00B 0.04B 0.04B 0.04B 0.04B 0.04B 0.04B 0.05B 0.05B
Cash flow
Cash from operations $111M $137M $148M $153M $145M $159M $183M $157M $189M $235M
Capital expenditure $3.3M $6.7M $7.4M $6.6M $8.2M $7.7M $7.0M $9.3M $11.7M $16.3M
Free cash flow $107M $130M $140M $147M $137M $151M $176M $148M $177M $219M
Stock-based compensation $4.4M $3.6M $3.9M $4.2M $4.6M $4.4M $4.5M $5.1M $6.0M $5.3M
Acquisitions $2.0M $4.0M $7.9M $0.0M $6.8M $1.6M $2.6M −$44.6M $1.4M −$37.9M
Share buybacks $17.2M $0.0M $0.0M $0.0M $8.0M $21.7M $14.7M $4.9M $0.3M $10.2M
Dividends paid $38.9M $40.1M $43.3M $46.0M $47.2M $47.7M $49.8M $55.9M $62.3M $72.6M
Dividends and buybacks $56.1M $40.1M $43.3M $46.0M $55.2M $69.5M $64.5M $60.8M $62.5M $82.8M
Balance sheet
Cash and short-term investments $149M $160M $181M $217M $673M $1.3B $197M $205M $284M $487M
Total debt $786M $808M $945M $655M $168M $97.8M $585M $387M $163M $148M
Loans, net $6.1B $6.5B $6.8B $7.1B $7.4B — — — — —
Deposits $7.0B $7.2B $7.4B $7.6B $9.1B $10.2B $9.5B $11.0B $11.5B $13.5B
Property and equipment, net $84.2M $81.3M $79.0M $75.6M $74.2M $72.1M $69.0M $80.7M $80.8M $99.3M
Goodwill $265M $268M $275M $275M $281M $281M $281M $362M $363M $453M
Intangible assets $15.8M $13.4M $15.6M $12.0M $11.7M $8.9M $7.3M $40.4M $36.4M $57.7M
Total assets $8.9B $9.1B $9.6B $9.7B $10.9B $12.0B $11.7B $13.3B $13.8B $16.0B
Total liabilities $8.0B $8.2B $8.5B $8.6B $9.7B $10.8B $10.6B $11.9B $12.3B $14.1B
Preferred stock $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M
Shareholders' equity $913M $958M $1.0B $1.1B $1.2B $1.3B $1.2B $1.4B $1.5B $1.9B
Margins
Net margin 70.5% 72.4% 89.3% 90.0% 74.1% 102.6% 100.9% 82.1% 84.9% 92.5%
FCF margin 96.5% 114.8% 111.4% 109.2% 97.3% 100.3% 117.0% 102.4% 106.7% 119.7%
Net interest share of revenue 237.9% 249.9% 242.5% 231.7% 224.0% 212.6% 240.4% 261.3% 241.5% 274.1%
Efficiency ratio 212.2% 216.5% 209.9% 204.3% 197.1% 190.2% 202.1% 236.0% 228.0% 243.4%
Returns
Return on equity 8.6% 8.8% 11.4% 11.3% 9.0% 12.7% 12.5% 9.1% 9.5% 9.9%
Return on assets 0.9% 0.9% 1.2% 1.3% 1.0% 1.4% 1.3% 0.9% 1.0% 1.1%
Return on tangible equity 12.4% 12.1% 15.5% 14.5% 11.7% 16.1% 17.2% 11.6% 12.5% 12.2%
Growth
Revenue growth — 2.1% 11.1% 6.7% 4.8% 7.2% −0.2% −3.9% 14.5% 10.4%
Net income growth — 4.8% 37.0% 7.5% −13.7% 48.4% −1.9% −21.9% 18.4% 20.3%
EPS growth — 3.9% 36.9% 7.0% −13.5% 49.4% −0.6% −24.7% 12.1% 12.1%
FCF growth — 21.4% 7.8% 4.6% −6.6% 10.5% 16.4% −15.9% 19.3% 23.8%
Share count change — 0.7% 100,173.3% 0.2% −0.3% −0.6% −1.2% 3.7% 5.9% 7.3%
Financial health
Debt / equity 0.9x 0.8x 0.9x 0.6x 0.1x 0.1x 0.5x 0.3x 0.1x 0.1x
Loans / deposits 87.9% 90.8% 92.5% 93.1% 81.4% — — — — —
Provision / loans 0.4% 0.5% 0.4% 0.4% 0.7% — — — — —
Capital allocation
Capex / revenue 3.0% 5.9% 5.9% 4.9% 5.8% 5.1% 4.7% 6.4% 7.1% 8.9%
Stock comp / revenue 3.9% 3.2% 3.1% 3.1% 3.3% 2.9% 3.0% 3.5% 3.6% 2.9%
Payouts / FCF 52.3% 30.8% 30.8% 31.3% 40.2% 45.9% 36.6% 41.0% 35.4% 37.8%
Quality scores
Piotroski F-score — 5.0 5.0 6.0 5.0 6.0 6.0 4.0 6.0 5.0
Accruals ratio −0.4% −0.6% −0.4% −0.3% −0.4% −0.0% −0.3% −0.3% −0.4% −0.4%

Source: SEC EDGAR XBRL filings (CIK 0000790359). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.

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