Nbt Bancorp Inc
NBTB Nasdaq· National Commercial Banks
Last close · Oct 23, 2026
$52.87
KIRA · Stoqly’s AI analyst, in plain words
- Nbt Bancorp Inc had $183M of revenue in fiscal 2025, up 10.4% on the year before. Over five years, revenue changed +5.4% a year on average.
- Nbt Bancorp Inc made $169M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 7.1% a year.
- Nbt Bancorp Inc returned $82.8M to shareholders in fiscal 2025, 38% of free cash flow. The diluted share count rose 7.3%.
- It earned 9.9% on shareholders’ money. Running costs took 243.4% of revenue (the efficiency ratio; lower is better).
Market cap
$2.7B
P/E
12.8x
Revenue
$183M
Net income
$169M
Return on equity
9.9%
Efficiency ratio
243.4%
Nbt Bancorp Inc in 30 seconds · fiscal 2025
Are sales growing?
+10.4%
Yes. Sales grew 10.4% last year.
Does it make a profit?
92.5%
Yes. It keeps 92.5% of every sale as profit.
How lean are its costs?
243.4%
Costly. Running costs take 243.4% of revenue.
How much does it earn on its capital?
9.9%
Fair. It earns 9.9% a year on shareholders’ money.
How is the share priced?
12.8x
One share costs 12.8 times its yearly profit per share.
What Nbt Bancorp Inc does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 27, 2026
- Legal name
- NBT BANCORP INC
- CIK
- 0000790359
Nbt Bancorp Inc · NBTB
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $151M | $151M | $145M | $166M | $183M |
| Revenue growth | 7.2% | −0.2% | −3.9% | 14.5% | 10.4% |
| Net interest income | $321M | $362M | $378M | $400M | $502M |
| Net income | $155M | $152M | $119M | $141M | $169M |
| Net margin | 102.6% | 100.9% | 82.1% | 84.9% | 92.5% |
| Diluted EPS | $3.54 | $3.52 | $2.65 | $2.97 | $3.33 |
| Cash | |||||
| Cash from operations | $159M | $183M | $157M | $189M | $235M |
| Capital expenditure | $7.7M | $7.0M | $9.3M | $11.7M | $16.3M |
| Free cash flow | $151M | $176M | $148M | $177M | $219M |
| FCF margin | 100.3% | 117.0% | 102.4% | 106.7% | 119.7% |
| Dividends paid | $47.7M | $49.8M | $55.9M | $62.3M | $72.6M |
| Share buybacks | $21.7M | $14.7M | $4.9M | $0.3M | $10.2M |
| Share count change | −0.6% | −1.2% | 3.7% | 5.9% | 7.3% |
| Debt and strength | |||||
| Cash and short-term investments | $1.3B | $197M | $205M | $284M | $487M |
| Debt incl. finance leases | $97.8M | $585M | $387M | $163M | $148M |
| Deposits | $10.2B | $9.5B | $11.0B | $11.5B | $13.5B |
| Shareholders' equity | $1.3B | $1.2B | $1.4B | $1.5B | $1.9B |
| Returns and quality | |||||
| Return on equity | 12.7% | 12.5% | 9.1% | 9.5% | 9.9% |
| Return on tangible equity | 16.1% | 17.2% | 11.6% | 12.5% | 12.2% |
| Efficiency ratio | 190.2% | 202.1% | 236.0% | 228.0% | 243.4% |
| Piotroski F-score | 6 | 6 | 4 | 6 | 5 |
Insiders bought, 12 months
$1.5M
1 insider
Insiders sold, 12 months
$2.4M
6 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Nbt Bancorp Inc · NBTB
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $52.87 a share, the company is worth $2.7B: 12.8 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000790359). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.