NBT Financial Statements From 2010 to 2026

NBTB Stock  USD 42.88  0.40  0.92%   
NBT Bancorp's financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing NBT Bancorp's valuation are provided below:
Gross Profit
629.7 M
Profit Margin
0.2378
Market Capitalization
2.2 B
Enterprise Value Revenue
3.6844
Revenue
629.7 M
We have found one hundred twenty available fundamental ratios for NBT Bancorp, which can be analyzed and compared to other ratios and to its peers in the industry. All investors should make sure to check all of NBT Bancorp last-minute market performance against the performance between 2010 and 2026 to make sure the company can sustain itself next year. The current year's Market Cap is expected to grow to about 1.8 B, whereas Enterprise Value is forecasted to decline to about 818.7 M.

NBT Bancorp Total Revenue

949.08 Million

Check NBT Bancorp financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among NBT Bancorp's main balance sheet or income statement drivers, such as Depreciation And Amortization of 33.2 M, Interest Expense of 255.4 M or Selling General Administrative of 288.9 M, as well as many indicators such as Price To Sales Ratio of 2.05, Dividend Yield of 0.034 or PTB Ratio of 1.89. NBT financial statements analysis is a perfect complement when working with NBT Bancorp Valuation or Volatility modules.
  
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Check out the analysis of NBT Bancorp Correlation against competitors.
For information on how to trade NBT Stock refer to our How to Trade NBT Stock guide.

NBT Bancorp Balance Sheet

Current ValueLast YearHistorical Average 10 Year Trend
Total Assets16.6 B15.9 B9.9 B
Slightly volatile
Short and Long Term Debt Total582.7 M477.2 M625.1 M
Very volatile
Other Current Liabilities13.9 B13.3 BB
Slightly volatile
Total Current Liabilities14.1 B13.5 B8.1 B
Slightly volatile
Total Stockholder Equity1.8 B1.8 B1.1 B
Slightly volatile
Property Plant And Equipment Net64.6 M93 M75.9 M
Pretty Stable
Retained Earnings1.3 B1.3 B684.2 M
Slightly volatile
Cash194.8 M326.7 M274 M
Slightly volatile
Non Current Assets Total16.1 B15.4 B8.4 B
Slightly volatile
Non Currrent Assets Other409.2 M804 M564.9 M
Very volatile
Other Assets13.9 B13.3 B8.5 B
Slightly volatile
Cash And Short Term Investments693 M483.5 M1.2 B
Pretty Stable
Common Stock Shares Outstanding36.1 M54.5 M41.2 M
Slightly volatile
Liabilities And Stockholders Equity16.6 B15.9 B9.9 B
Slightly volatile
Non Current Liabilities Total371.4 M633.4 M398.6 M
Slightly volatile
Other Stockholder Equity685.2 M652.6 M431 M
Slightly volatile
Total Liabilities14.8 B14.1 B8.8 B
Slightly volatile
Property Plant And Equipment Gross305.8 M291.2 M135.2 M
Slightly volatile
Total Current Assets941.1 M483.5 M1.5 B
Pretty Stable
Short Term Debt304.1 M187.4 M376.3 M
Very volatile
Other Current Assets270.8 M285.1 M2.5 B
Slightly volatile
Common Stock Total Equity772 K447.3 K1.3 M
Slightly volatile
Common Stock461.7 K486 K1.9 M
Slightly volatile
Other Liabilities96.3 M159.9 M116.9 M
Slightly volatile
Accounts Payable5.9 B10.9 B7.3 B
Slightly volatile
Long Term Debt248.7 M226.8 M249.4 M
Slightly volatile
Short Term Investments149 M156.8 M997.9 M
Pretty Stable
Inventory114.7 K120.8 K1.9 M
Slightly volatile
Intangible Assets16.8 M32.7 M19.8 M
Pretty Stable
Property Plant Equipment78.5 M79.4 M76.1 M
Very volatile
Good Will213.6 M417.1 M259.2 M
Slightly volatile
Net Tangible Assets732.6 MB711.3 M
Slightly volatile
Long Term Debt Total204.4 M178.3 M239.8 M
Slightly volatile
Capital Surpluse565.2 M664.5 M536.9 M
Slightly volatile
Long Term InvestmentsB2.2 B4.9 B
Slightly volatile
Non Current Liabilities Other346.2 M329.7 M182.5 M
Slightly volatile
Short and Long Term Debt13.7 M14.4 M245.1 M
Pretty Stable
Earning AssetsBB1.8 B
Slightly volatile
Net Invested Capital1.2 B1.6 B1.7 B
Slightly volatile
Capital Stock560.2 K621 K513.1 K
Slightly volatile
Net Receivables8.5 B9.3 B7.7 B
Slightly volatile

NBT Bancorp Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization33.2 M31.6 M17.4 M
Slightly volatile
Interest Expense255.4 M243.3 M74 M
Slightly volatile
Selling General Administrative288.9 M275.1 M172.4 M
Slightly volatile
Total Revenue949.1 M903.9 M498.9 M
Slightly volatile
Gross Profit670 M638.1 M403.3 M
Slightly volatile
Other Operating Expenses732.4 M697.5 M363 M
Slightly volatile
Operating Income216.7 M206.4 M135.9 M
Slightly volatile
EBIT216.7 M206.4 M135.9 M
Slightly volatile
EBITDA249.9 M238 M153.3 M
Slightly volatile
Cost Of Revenue279.1 M265.8 M95.6 M
Slightly volatile
Total Operating Expenses453.3 M431.7 M267.4 M
Slightly volatile
Income Before Tax216.7 M206.4 M135.9 M
Slightly volatile
Net Income169.8 M161.7 M101.7 M
Slightly volatile
Income Tax Expense24.5 M44.6 M32.9 M
Slightly volatile
Net Income Applicable To Common Shares183.5 M174.8 M105.9 M
Slightly volatile
Selling And Marketing Expenses2.3 MM2.9 M
Slightly volatile
Net Income From Continuing Ops106.6 M161.7 M101.3 M
Slightly volatile
Tax Provision41.6 M44.6 M39.1 M
Very volatile
Net Interest Income351.5 M460.1 M310 M
Slightly volatile
Interest Income412.1 M703.4 M366.3 M
Slightly volatile
Reconciled Depreciation16.5 M31.6 M15.2 M
Slightly volatile

NBT Bancorp Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow213.5 M203.3 M129.7 M
Slightly volatile
Begin Period Cash Flow200.4 M236 M262.2 M
Slightly volatile
Depreciation33.2 M31.6 M17.4 M
Slightly volatile
Dividends Paid75.2 M71.6 M43.7 M
Slightly volatile
Capital Expenditures14.2 M13.5 M8.1 M
Slightly volatile
Total Cash From Operating Activities227.7 M216.9 M137.8 M
Slightly volatile
Net Income169.8 M161.7 M101.7 M
Slightly volatile
End Period Cash Flow200.7 M326.7 M273.3 M
Slightly volatile

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio2.052.582.9172
Pretty Stable
Dividend Yield0.0340.03180.0305
Slightly volatile
PTB Ratio1.891.71.453
Slightly volatile
Book Value Per Share30.5829.1223.4631
Slightly volatile
Free Cash Flow Yield0.10.09030.0957
Slightly volatile
Operating Cash Flow Per Share1.873.62.9976
Slightly volatile
Stock Based Compensation To Revenue0.01020.00880.0094
Slightly volatile
Capex To Depreciation0.750.490.5344
Pretty Stable
PB Ratio1.891.71.453
Slightly volatile
EV To Sales2.932.733.7385
Pretty Stable
Free Cash Flow Per Share1.723.372.8163
Slightly volatile
ROIC0.03940.05650.0527
Slightly volatile
Net Income Per Share2.822.682.266
Slightly volatile
Sales General And Administrative To Revenue0.220.270.3422
Slightly volatile
Capex To Revenue0.02340.01720.0177
Slightly volatile
Cash Per Share13.348.0230.6011
Pretty Stable
POCF Ratio12.213.7410.787
Slightly volatile
Interest Coverage0.730.763.6191
Very volatile
Payout Ratio0.680.510.4599
Very volatile
Capex To Operating Cash Flow0.110.07160.0667
Pretty Stable
PFCF Ratio14.4414.6511.5758
Slightly volatile
Income Quality2.171.541.5168
Pretty Stable
ROE0.120.110.0982
Slightly volatile
EV To Operating Cash Flow17.3414.5413.7318
Very volatile
PE Ratio21.0818.4215.5053
Slightly volatile
Return On Tangible Assets0.00830.00950.0102
Pretty Stable
EV To Free Cash Flow20.2215.514.737
Very volatile
Earnings Yield0.05210.05620.0679
Slightly volatile
Intangibles To Total Assets0.0170.0260.0288
Slightly volatile
Current Ratio0.03070.03230.1667
Slightly volatile
Tangible Book Value Per Share22.5821.5116.9692
Slightly volatile
Graham Number44.0341.9334.4894
Slightly volatile
Shareholders Equity Per Share30.5829.1223.4631
Slightly volatile
Debt To Equity0.30.310.6581
Slightly volatile
Capex Per Share0.140.220.1802
Very volatile
Revenue Per Share15.7515.011.2177
Slightly volatile
Interest Debt Per Share13.6811.9616.1331
Pretty Stable
Debt To Assets0.03290.03460.069
Slightly volatile
Enterprise Value Over EBITDA17.1713.2412.6653
Very volatile
Short Term Coverage Ratios1.091.040.5944
Slightly volatile
Price Earnings Ratio21.0818.4215.5053
Slightly volatile
Price Book Value Ratio1.891.71.453
Slightly volatile
Dividend Payout Ratio0.680.510.4599
Very volatile
Price To Operating Cash Flows Ratio12.213.7410.787
Slightly volatile
Price To Free Cash Flows Ratio14.4414.6511.5758
Slightly volatile
Pretax Profit Margin0.180.210.2671
Pretty Stable
Operating Profit Margin0.180.210.2671
Pretty Stable
Effective Tax Rate0.320.250.2724
Slightly volatile
Company Equity Multiplier11.7510.399.6898
Pretty Stable
Long Term Debt To Capitalization0.320.160.209
Slightly volatile
Total Debt To Capitalization0.230.250.3736
Slightly volatile
Return On Capital Employed0.110.09940.0947
Slightly volatile
Debt Equity Ratio0.30.310.6581
Slightly volatile
Ebit Per Revenue0.180.210.2671
Pretty Stable
Quick Ratio0.03070.03230.1667
Slightly volatile
Dividend Paid And Capex Coverage Ratio2.92.932.7728
Very volatile
Net Income Per E B T0.570.710.7188
Pretty Stable
Cash Ratio0.04250.02790.037
Very volatile
Operating Cash Flow Sales Ratio0.20.220.2755
Pretty Stable
Free Cash Flow Operating Cash Flow Ratio0.720.840.9181
Slightly volatile
Cash Flow Coverage Ratios0.550.520.2946
Slightly volatile
Price To Book Ratio1.891.71.453
Slightly volatile
Fixed Asset Turnover4.388.755.9536
Slightly volatile
Capital Expenditure Coverage Ratio12.2914.4517.5056
Pretty Stable
Price Cash Flow Ratio12.213.7410.787
Slightly volatile
Enterprise Value Multiple17.1713.2412.6653
Very volatile
Debt Ratio0.03290.03460.069
Slightly volatile
Cash Flow To Debt Ratio0.550.520.2946
Slightly volatile
Price Sales Ratio2.052.582.9172
Pretty Stable
Return On Assets0.00820.00920.0099
Pretty Stable
Asset Turnover0.07290.06560.0545
Pretty Stable
Net Profit Margin0.130.160.1956
Pretty Stable
Gross Profit Margin0.570.640.8021
Pretty Stable
Price Fair Value1.891.71.453
Slightly volatile
Return On Equity0.120.110.0982
Slightly volatile

NBT Bancorp Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market Cap1.8 B1.7 B1.6 B
Slightly volatile
Enterprise Value818.7 M822.2 M728.4 M
Slightly volatile

NBT Fundamental Market Drivers

Forward Price Earnings13.4048
Cash And Short Term Investments420.4 M

NBT Upcoming Events

22nd of April 2024
Upcoming Quarterly Report
View
29th of July 2024
Next Financial Report
View
31st of March 2024
Next Fiscal Quarter End
View
28th of January 2025
Next Fiscal Year End
View
31st of December 2023
Last Quarter Report
View
31st of December 2023
Last Financial Announcement
View

About NBT Bancorp Financial Statements

NBT Bancorp stakeholders use historical fundamental indicators, such as NBT Bancorp's revenue or net income, to determine how well the company is positioned to perform in the future. Although NBT Bancorp investors may analyze each financial statement separately, they are all interrelated. For example, changes in NBT Bancorp's assets and liabilities are reflected in the revenues and expenses on NBT Bancorp's income statement, which ultimately affect the company's gains or losses. Understanding these patterns can help in making the right long-term investment decisions in NBT Bancorp. Please read more on our technical analysis and fundamental analysis pages.
Last ReportedProjected for Next Year
Total Revenue903.9 M949.1 M
Cost Of Revenue265.8 M279.1 M
Stock Based Compensation To Revenue 0.01  0.01 
Sales General And Administrative To Revenue 0.27  0.22 
Capex To Revenue 0.02  0.02 
Revenue Per Share 15.00  15.75 
Ebit Per Revenue 0.21  0.18 

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Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.
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:
Check out the analysis of NBT Bancorp Correlation against competitors.
For information on how to trade NBT Stock refer to our How to Trade NBT Stock guide.
You can also try the Global Correlations module to find global opportunities by holding instruments from different markets.
Is Regional Banks space 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
0.288
Dividend Share
1.39
Earnings Share
3.02
Revenue Per Share
12.755
Quarterly Revenue Growth
0.266
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.