NBT Financial Statements From 2010 to 2025

Stocks . USA . 
Stock . NBT Bancorp
NBTB Stock  USD 40.56  0.82  1.98%   
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
591.3 M
Profit Margin
0.2255
Market Capitalization
2.2 B
Enterprise Value Revenue
4.2194
Revenue
591.3 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 2025 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

825.29 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 28.9 M, Interest Expense of 222.1 M or Selling General Administrative of 251.2 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

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Total Assets14.5 B13.8 B9.4 B
Slightly volatile
Short and Long Term Debt Total582.7 M415 M634.3 M
Very volatile
Other Current Liabilities12.1 B11.5 B7.6 B
Slightly volatile
Total Current Liabilities12.3 B11.7 B7.7 B
Slightly volatile
Total Stockholder Equity1.6 B1.5 B996.7 M
Slightly volatile
Property Plant And Equipment Net64.6 M80.8 M74.8 M
Pretty Stable
Retained Earnings1.2 B1.1 B637.1 M
Slightly volatile
Cash194.8 M284.1 M270.7 M
Slightly volatile
Non Current Assets Total14 B13.4 B7.9 B
Slightly volatile
Non Currrent Assets Other409.2 M699.1 M549.9 M
Very volatile
Other Assets6.6 B11.5 B7.7 B
Very volatile
Cash And Short Term Investments693 M420.4 M1.3 B
Slightly volatile
Common Stock Shares Outstanding36.1 M47.4 M40.4 M
Slightly volatile
Liabilities And Stockholders Equity14.5 B13.8 B9.4 B
Slightly volatile
Non Current Liabilities Total371.4 M550.8 M383.9 M
Slightly volatile
Other Stockholder Equity287.7 M567.5 M392.3 M
Slightly volatile
Total Liabilities12.9 B12.3 B8.4 B
Slightly volatile
Property Plant And Equipment Gross265.9 M253.3 M122.9 M
Slightly volatile
Total Current Assets399.4 M420.4 M1.5 B
Pretty Stable
Short Term Debt304.1 M162.9 M388.1 M
Pretty Stable
Other Current Assets270.8 M285.1 M2.6 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 M115.5 M
Slightly volatile
Accounts Payable5.9 B10.9 B7.1 B
Slightly volatile
Long Term Debt248.7 M252 M250.8 M
Slightly volatile
Short Term Investments129.5 M136.4 M1 B
Very volatile
Inventory114.7 K120.8 K2 M
Slightly volatile
Intangible Assets38.2 M36.4 M20.4 M
Pretty Stable
Property Plant Equipment78.5 M79.4 M76.5 M
Very volatile
Good Will213.6 M362.7 M249.3 M
Slightly volatile
Net Tangible Assets732.6 M1 B700.5 M
Slightly volatile
Long Term Debt Total204.4 M178.3 M242.5 M
Slightly volatile
Capital Surpluse565.2 M664.5 M534.4 M
Slightly volatile
Long Term Investments4 B2.5 B5.1 B
Pretty Stable
Non Current Liabilities Other346.2 M329.7 M176 M
Slightly volatile
Short and Long Term Debt15.2 M16 M259.7 M
Pretty Stable
Earning Assets2 B2 B1.8 B
Slightly volatile
Net Invested Capital1.2 B1.8 B1.7 B
Slightly volatile
Capital Stock560.2 K621 K511.4 K
Slightly volatile
Net Receivables8.5 B9.3 B7.7 B
Slightly volatile

NBT Bancorp Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization28.9 M27.5 M16.3 M
Slightly volatile
Interest Expense222.1 M211.5 M61.4 M
Slightly volatile
Selling General Administrative251.2 M239.3 M163.6 M
Slightly volatile
Total Revenue825.3 M786 M465.9 M
Slightly volatile
Gross Profit582.6 M554.8 M383.2 M
Slightly volatile
Other Operating Expenses636.9 M606.5 M336.2 M
Slightly volatile
Operating Income188.4 M179.5 M129.7 M
Slightly volatile
EBIT188.4 M179.5 M129.7 M
Slightly volatile
EBITDA217.3 M207 M146 M
Slightly volatile
Cost Of Revenue242.7 M231.2 M82.7 M
Slightly volatile
Total Operating Expenses394.1 M375.4 M253.5 M
Slightly volatile
Income Before Tax188.4 M179.5 M129.7 M
Slightly volatile
Net Income147.7 M140.6 M96.6 M
Slightly volatile
Income Tax Expense24.5 M38.8 M32.1 M
Slightly volatile
Net Income Applicable To Common Shares183.5 M174.8 M103 M
Slightly volatile
Selling And Marketing Expenses2.3 M3.4 M2.9 M
Slightly volatile
Net Income From Continuing Ops106.6 M140.6 M97.5 M
Slightly volatile
Tax Provision41.6 M38.8 M38.8 M
Very volatile
Net Interest Income351.5 M400.1 M300.6 M
Slightly volatile
Interest Income412.1 M611.7 M345.3 M
Slightly volatile
Reconciled Depreciation16.5 M27.5 M14.2 M
Pretty Stable

NBT Bancorp Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow185.7 M176.8 M123.4 M
Slightly volatile
Begin Period Cash Flow191.8 M205.2 M263.3 M
Slightly volatile
Depreciation28.9 M27.5 M16.3 M
Slightly volatile
Dividends Paid65.4 M62.3 M41.4 M
Slightly volatile
Capital Expenditures6.7 M11.7 M7.3 M
Slightly volatile
Total Cash From Operating Activities198 M188.6 M131 M
Slightly volatile
Net Income147.7 M140.6 M96.6 M
Slightly volatile
End Period Cash Flow209.9 M284.1 M270.5 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio2.052.86592.9382
Slightly volatile
Dividend Yield0.0340.02760.0304
Slightly volatile
PTB Ratio1.891.4761.4376
Slightly volatile
Book Value Per Share33.9832.357523.322
Slightly volatile
Free Cash Flow Yield0.10.07850.096
Slightly volatile
Operating Cash Flow Per Share4.23.9983.1056
Slightly volatile
Stock Based Compensation To Revenue0.01020.00760.0095
Slightly volatile
Capex To Depreciation0.750.42710.5235
Slightly volatile
PB Ratio1.891.4761.4376
Slightly volatile
EV To Sales2.933.03253.8015
Very volatile
Free Cash Flow Per Share3.943.74912.9205
Slightly volatile
ROIC0.03940.06280.0524
Slightly volatile
Net Income Per Share3.132.98192.2595
Slightly volatile
Sales General And Administrative To Revenue0.220.30440.3467
Slightly volatile
Capex To Revenue0.02340.01490.0177
Slightly volatile
Cash Per Share13.348.913932.0124
Very volatile
POCF Ratio12.211.945910.6024
Slightly volatile
Interest Coverage0.810.84833.8028
Pretty Stable
Payout Ratio0.680.44270.4568
Very volatile
Capex To Operating Cash Flow0.110.06230.0664
Slightly volatile
PFCF Ratio14.4412.739211.3837
Slightly volatile
Income Quality2.171.34081.5153
Slightly volatile
ROE0.120.09220.0975
Slightly volatile
EV To Operating Cash Flow17.3412.640213.6812
Very volatile
PE Ratio21.0816.016715.3231
Pretty Stable
Return On Tangible Assets0.00830.01050.0103
Slightly volatile
EV To Free Cash Flow20.2213.479614.6893
Very volatile
Earnings Yield0.05210.06240.0687
Pretty Stable
Intangibles To Total Assets0.0170.02890.029
Slightly volatile
Current Ratio0.03410.03590.1753
Slightly volatile
Tangible Book Value Per Share25.0923.897316.8423
Slightly volatile
Graham Number48.9246.593434.3299
Slightly volatile
Shareholders Equity Per Share33.9832.357523.322
Slightly volatile
Debt To Equity0.260.27190.6773
Slightly volatile
Capex Per Share0.140.2490.1777
Very volatile
Revenue Per Share17.516.664711.0907
Slightly volatile
Interest Debt Per Share13.6813.283816.3939
Very volatile
Debt To Assets0.02860.03010.0709
Slightly volatile
Enterprise Value Over EBITDA17.1711.517212.6294
Very volatile
Short Term Coverage Ratios1.221.15730.5746
Slightly volatile
Price Earnings Ratio21.0816.016715.3231
Pretty Stable
Price Book Value Ratio1.891.4761.4376
Slightly volatile
Dividend Payout Ratio0.680.44270.4568
Very volatile
Price To Operating Cash Flows Ratio12.211.945910.6024
Slightly volatile
Price To Free Cash Flows Ratio14.4412.739211.3837
Slightly volatile
Pretax Profit Margin0.180.22830.2707
Pretty Stable
Operating Profit Margin0.180.22830.2707
Pretty Stable
Effective Tax Rate0.320.21630.2738
Slightly volatile
Company Equity Multiplier11.759.03379.646
Very volatile
Long Term Debt To Capitalization0.130.14170.2002
Slightly volatile
Total Debt To Capitalization0.20.21380.3795
Slightly volatile
Return On Capital Employed0.110.08640.0944
Slightly volatile
Debt Equity Ratio0.260.27190.6773
Slightly volatile
Ebit Per Revenue0.180.22830.2707
Pretty Stable
Quick Ratio0.03410.03590.1753
Slightly volatile
Dividend Paid And Capex Coverage Ratio2.92.5482.763
Very volatile
Net Income Per E B T0.570.78370.7193
Pretty Stable
Cash Ratio0.04250.02430.0376
Very volatile
Operating Cash Flow Sales Ratio0.20.23990.279
Very volatile
Free Cash Flow Operating Cash Flow Ratio0.720.93770.923
Pretty Stable
Cash Flow Coverage Ratios0.230.45440.2605
Very volatile
Price To Book Ratio1.891.4761.4376
Slightly volatile
Fixed Asset Turnover10.219.72286.1431
Slightly volatile
Capital Expenditure Coverage Ratio12.2916.059217.6966
Slightly volatile
Price Cash Flow Ratio12.211.945910.6024
Slightly volatile
Enterprise Value Multiple17.1711.517212.6294
Very volatile
Debt Ratio0.02860.03010.0709
Slightly volatile
Cash Flow To Debt Ratio0.230.45440.2605
Very volatile
Price Sales Ratio2.052.86592.9382
Slightly volatile
Return On Assets0.00820.01020.01
Slightly volatile
Asset Turnover0.07290.0570.0538
Pretty Stable
Net Profit Margin0.130.17890.1978
Slightly volatile
Gross Profit Margin0.570.70590.8122
Very volatile
Price Fair Value1.891.4761.4376
Slightly volatile
Return On Equity0.120.09220.0975
Slightly volatile

NBT Bancorp Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap1.8 B1.7 B1.6 B
Slightly volatile
Enterprise Value818.7 M822.2 M729.2 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 Revenue786 M825.3 M
Cost Of Revenue231.2 M242.7 M
Stock Based Compensation To Revenue 0.01  0.01 
Sales General And Administrative To Revenue 0.30  0.22 
Capex To Revenue 0.01  0.02 
Revenue Per Share 16.66  17.50 
Ebit Per Revenue 0.23  0.18 

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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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What is NBT Bancorp's Net Worth?
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Largest Regional Banks Companies
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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.
You can also try the Bonds Directory module to find actively traded corporate debentures issued by US companies.
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
(0.36)
Dividend Share
1.36
Earnings Share
2.78
Revenue Per Share
12.304
Quarterly Revenue Growth
0.166
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.
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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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