NBT Historical Income Statement

NBTB Stock

USD 35.69 0.28 0.78%

Historical analysis of NBT Bancorp income statement accounts such as Total Revenue of 698.3 M can show how well NBT Bancorp performed in making a profits. Evaluating NBT Bancorp income statement over time to spot trends is a great complementary tool to traditional technical analysis and can indicate the direction of NBT Bancorp's future profits or losses.

Cash Flow Balance Sheet Income Statement

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Financial Statement Analysis is much more than just reviewing and examining NBT Bancorp latest accounting reports to predict its past. Macroaxis encourages investors to analyze financial statements over time for various trends across multiple indicators and accounts to determine whether NBT Bancorp is a good buy for the upcoming year.

Net Income Gross Profit

Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in NBT Bancorp. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in estimate.

For information on how to trade NBT Stock refer to our How to Trade NBT Stock guide.

About NBT Income Statement Analysis

NBT Bancorp Income Statement consists of revenues and expenses along with the resulting net income or loss. It represents the profit for the accounting period attributable to NBT Bancorp shareholders. The income statement also shows NBT investors and management if the firm made money during the period reported. The result of an income statement is the net income that is calculated after subtracting the expenses from revenue. It is essential to investors both as an absolute measure as well as earnings per share (i.e., EPS).

NBT Bancorp Income Statement Chart

NBT Bancorp Income Statement is one of the three primary financial statements used for reporting NBT's overall financial performance over a current year or for a given accounting period. An Income Statement sometimes referred to as the statement of NBT Bancorp revenue and expense. NBT Bancorp Income Statement primarily focuses on the company's revenues and expenses during a particular period.

At present, NBT Bancorp's Depreciation And Amortization is projected to increase significantly based on the last few years of reporting. The current year's Interest Expense is expected to grow to about 41.6 M, whereas Selling General Administrative is forecasted to decline to about 100.3 M.

Selling General Administrative Total Revenue Gross Profit Other Operating Expenses Research Development

Total Revenue

Total revenue comprises all receipts NBT Bancorp generated from the sale of its products or services. The total amount of income generated by the sale of goods or services related to the company's primary operations.

Gross Profit

Gross profit is a required income statement account that reflects total revenue of NBT Bancorp minus its cost of goods sold. It is profit before NBT Bancorp operating expenses, interest payments and taxes. Gross profit is also known as gross margin. The profit a company makes after deducting the costs associated with making and selling its products, or the costs associated with providing its services.

Other Operating Expenses

Other Operating Expenses is the expense which generally does not depend on sales or production quantities of NBT Bancorp. It is also known as NBT Bancorp overhead expenses. Typically these expenses include marketing, rent and utilities, office, leases, and other overhead cost. Expenses incurred from non-core business activities, including administrative and general expenses, but excluding costs directly related to production.

Most accounts from NBT Bancorp's income statement are interrelated and interconnected. However, analyzing income statement accounts one by one will only give a small insight into NBT Bancorp current financial condition. On the other hand, looking into the entire matrix of income statement accounts, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in NBT Bancorp. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in estimate.

For information on how to trade NBT Stock refer to our How to Trade NBT Stock guide.At present, NBT Bancorp's Depreciation And Amortization is projected to increase significantly based on the last few years of reporting. The current year's Interest Expense is expected to grow to about 41.6 M, whereas Selling General Administrative is forecasted to decline to about 100.3 M.

	2021	2022	2023	2024 (projected)
Interest Expense	18.8M	21.9M	37.9M	41.6M
Depreciation And Amortization	2.8M	2.3M	22.3M	23.4M

Interest Expense Depreciation And Amortization

NBT Bancorp income statement Correlations

	Depreciation And Amortization	Interest Expense	Selling General Administrative	Total Revenue	Gross Profit	Other Operating Expenses	Operating Income	Ebit	Ebitda	Total Operating Expenses	Income Before Tax	Total Other Income Expense Net	Net Income	Income Tax Expense	Cost Of Revenue	Selling And Marketing Expenses	Net Income From Continuing Ops	Tax Provision	Net Interest Income	Interest Income	Reconciled Depreciation	Extraordinary Items
Depreciation And Amortization		0.3	-0.06	0.66	0.66	0.75	-0.74	-0.74	-0.69	0.25	-0.08	0.4	-0.06	-0.12	-0.32	-0.16	0.16	-0.34	0.54	0.65	0.22	0.41
Interest Expense	0.3		-0.23	0.06	0.06	0.15	-0.38	-0.37	-0.37	-0.34	-0.29	0.1	-0.19	-0.57	0.06	0.23	-0.07	-0.57	0.15	0.29	0.59	0.31
Selling General Administrative	-0.06	-0.23		0.63	0.63	0.38	0.6	0.6	0.63	-0.3	0.92	0.43	0.9	0.79	-0.7	-0.5	0.69	-0.08	0.54	0.51	0.02	0.52
Total Revenue	0.66	0.06	0.63		1.0	0.79	-0.02	-0.02	0.04	-0.09	0.63	0.63	0.63	0.49	-0.82	-0.61	0.68	-0.33	0.83	0.82	0.0	0.75
Gross Profit	0.66	0.06	0.63	1.0		0.79	-0.02	-0.02	0.04	-0.09	0.63	0.63	0.63	0.49	-0.82	-0.61	0.68	-0.33	0.83	0.82	0.0	0.75
Other Operating Expenses	0.75	0.15	0.38	0.79	0.79		-0.34	-0.34	-0.29	-0.02	0.26	0.73	0.24	0.27	-0.6	-0.62	0.32	-0.42	0.52	0.61	0.35	0.5
Operating Income	-0.74	-0.38	0.6	-0.02	-0.02	-0.34		1.0	1.0	-0.42	0.68	-0.04	0.66	0.58	-0.23	-0.3	0.47	0.17	0.04	-0.12	-0.41	0.16
Ebit	-0.74	-0.37	0.6	-0.02	-0.02	-0.34	1.0		1.0	-0.43	0.68	-0.05	0.66	0.57	-0.22	-0.29	0.47	0.15	0.04	-0.12	-0.41	0.17
Ebitda	-0.69	-0.37	0.63	0.04	0.04	-0.29	1.0	1.0		-0.44	0.72	-0.01	0.7	0.59	-0.26	-0.33	0.51	0.13	0.1	-0.06	-0.41	0.22
Total Operating Expenses	0.25	-0.34	-0.3	-0.09	-0.09	-0.02	-0.42	-0.43	-0.44		-0.36	-0.41	-0.46	0.06	0.22	0.27	-0.53	0.43	-0.34	-0.3	-0.14	-0.61
Income Before Tax	-0.08	-0.29	0.92	0.63	0.63	0.26	0.68	0.68	0.72	-0.36		0.46	0.99	0.82	-0.75	-0.49	0.87	0.07	0.65	0.56	-0.27	0.62
Total Other Income Expense Net	0.4	0.1	0.43	0.63	0.63	0.73	-0.04	-0.05	-0.01	-0.41	0.46		0.44	0.41	-0.75	-0.62	0.53	-0.08	0.56	0.57	0.16	0.54
Net Income	-0.06	-0.19	0.9	0.63	0.63	0.24	0.66	0.66	0.7	-0.46	0.99	0.44		0.71	-0.71	-0.45	0.91	-0.03	0.71	0.62	-0.24	0.71
Income Tax Expense	-0.12	-0.57	0.79	0.49	0.49	0.27	0.58	0.57	0.59	0.06	0.82	0.41	0.71		-0.69	-0.51	0.52	0.4	0.3	0.22	-0.27	0.15
Cost Of Revenue	-0.32	0.06	-0.7	-0.82	-0.82	-0.6	-0.23	-0.22	-0.26	0.22	-0.75	-0.75	-0.71	-0.69		0.65	-0.71	-0.01	-0.73	-0.67	0.02	-0.63
Selling And Marketing Expenses	-0.16	0.23	-0.5	-0.61	-0.61	-0.62	-0.3	-0.29	-0.33	0.27	-0.49	-0.62	-0.45	-0.51	0.65		-0.46	0.31	-0.38	-0.28	0.06	-0.48
Net Income From Continuing Ops	0.16	-0.07	0.69	0.68	0.68	0.32	0.47	0.47	0.51	-0.53	0.87	0.53	0.91	0.52	-0.71	-0.46		-0.11	0.86	0.76	-0.31	0.87
Tax Provision	-0.34	-0.57	-0.08	-0.33	-0.33	-0.42	0.17	0.15	0.13	0.43	0.07	-0.08	-0.03	0.4	-0.01	0.31	-0.11		-0.28	-0.35	-0.51	-0.53
Net Interest Income	0.54	0.15	0.54	0.83	0.83	0.52	0.04	0.04	0.1	-0.34	0.65	0.56	0.71	0.3	-0.73	-0.38	0.86	-0.28		0.96	-0.07	0.9
Interest Income	0.65	0.29	0.51	0.82	0.82	0.61	-0.12	-0.12	-0.06	-0.3	0.56	0.57	0.62	0.22	-0.67	-0.28	0.76	-0.35	0.96		0.15	0.86
Reconciled Depreciation	0.22	0.59	0.02	0.0	0.0	0.35	-0.41	-0.41	-0.41	-0.14	-0.27	0.16	-0.24	-0.27	0.02	0.06	-0.31	-0.51	-0.07	0.15		-0.01
Extraordinary Items	0.41	0.31	0.52	0.75	0.75	0.5	0.16	0.17	0.22	-0.61	0.62	0.54	0.71	0.15	-0.63	-0.48	0.87	-0.53	0.9	0.86	-0.01

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NBT Bancorp Account Relationship Matchups

NBT Bancorp income statement Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Depreciation And Amortization	3.6M	3.4M	2.8M	2.3M	22.3M	23.4M
Interest Expense	56.0M	32.6M	18.8M	21.9M	37.9M	41.6M
Selling General Administrative	183.7M	187.3M	198.6M	191.0M	200.5M	100.3M
Total Revenue	451.4M	458.7M	476.0M	515.1M	665.0M	698.3M
Gross Profit	451.4M	458.7M	476.0M	515.1M	665.0M	698.2M
Other Operating Expenses	296.0M	325.6M	276.1M	67.7M	501.6M	526.7M
Operating Income	155.4M	133.1M	199.9M	218.0M	(17.5M)	(16.7M)
Ebit	155.4M	133.1M	199.9M	218.0M	(17.5M)	(16.7M)
Ebitda	159.0M	136.5M	202.7M	220.3M	4.7M	4.5M
Total Operating Expenses	(296.0M)	(325.6M)	(276.1M)	67.7M	109.0M	114.5M
Income Before Tax	155.4M	133.1M	199.9M	196.2M	153.5M	84.7M
Total Other Income Expense Net	155.4M	133.1M	199.9M	(21.9M)	153.5M	161.1M
Net Income	121.0M	104.4M	154.9M	152.0M	118.8M	61.1M
Income Tax Expense	34.4M	28.7M	45.0M	44.2M	34.7M	23.6M
Net Income Applicable To Common Shares	121.0M	104.4M	154.9M	152.0M	174.8M	183.5M
Selling And Marketing Expenses	2.8M	2.3M	2.5M	2.8M	3.1M	2.3M
Net Income From Continuing Ops	121.0M	104.4M	154.9M	152.0M	124.5M	103.2M
Tax Provision	34.4M	28.7M	45.0M	44.2M	35.9M	30.1M
Net Interest Income	311.6M	315.7M	321.1M	362.2M	378.8M	341.7M
Interest Income	367.5M	348.3M	339.9M	384.1M	481.0M	383.1M
Reconciled Depreciation	20.3M	20.5M	2.8M	2.3M	20.2M	10.6M

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When determining whether NBT Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of NBT Bancorp's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Nbt Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Nbt Bancorp Stock:

How To Invest In NBT

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Is NBT Stock a good investment?

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What is NBT Bancorp's Net Worth?

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For information on how to trade NBT Stock refer to our How to Trade NBT Stock guide.

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When running NBT Bancorp's price analysis, check to measure NBT Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy NBT Bancorp is operating at the current time. Most of NBT Bancorp's value examination focuses on studying past and present price action to predict the probability of NBT Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move NBT Bancorp's price. Additionally, you may evaluate how the addition of NBT Bancorp to your portfolios can decrease your overall portfolio volatility.

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Is NBT Bancorp's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of NBT Bancorp. If investors know NBT will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about NBT Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

(0.09)

Dividend Share

1.26

Earnings Share

2.58

Revenue Per Share

11.054

Quarterly Revenue Growth

0.101

The market value of NBT Bancorp is measured differently than its book value, which is the value of NBT that is recorded on the company's balance sheet. Investors also form their own opinion of NBT Bancorp's value that differs from its market value or its book value, called intrinsic value, which is NBT Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because NBT Bancorp's market value can be influenced by many factors that don't directly affect NBT Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between NBT Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if NBT Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, NBT Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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NBT Historical Income Statement

About NBT Income Statement Analysis

NBT Bancorp Income Statement Chart

Total Revenue

Gross Profit

Other Operating Expenses

NBT Bancorp income statement Correlations

NBT Bancorp Account Relationship Matchups

High Positive Relationship

High Negative Relationship

NBT Bancorp income statement Accounts

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Gross Profit	+ 1.0	Total Revenue
Ebit	+ 1.0	Operating Income
Ebitda	+ 1.0	Operating Income
Ebitda	+ 1.0	Ebit
Net Income	+ 0.99	Income Before Tax
Interest Income	+ 0.96	Net Interest Income

Cost Of Revenue	- 0.82	Gross Profit
Cost Of Revenue	- 0.82	Total Revenue
Cost Of Revenue	- 0.75	Total Other Income Expense Net
Cost Of Revenue	- 0.75	Income Before Tax
Ebit	- 0.74	Depreciation And Amortization
Operating Income	- 0.74	Depreciation And Amortization