Stocktoria

NBT BANCORP INC NBTB

Nasdaq · stock · National Commercial Banks · website · IPO 1992-03-17

NBT BANCORP INC financials (annual)

Revenue
$111.2M $113.4M $126.0M $134.5M $140.9M $151.0M $150.7M $144.7M $165.7M $183.0M 2016201720182019202020212022202320242025
Net income
$78.4M $82.2M $112.6M $121.0M $104.4M $154.9M $152.0M $118.8M $140.6M $169.2M 2016201720182019202020212022202320242025
Free cash flow
2016201720182019202020212022202320242025

Bars are annual figures from 2016 to 2025; red bars are negative (a loss or cash outflow).

MetricFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue$183.0M$165.7M$144.7M$150.7M$151.0M$140.9M$134.5M$126.0M$113.4M$111.2M
Interest expense——$144.6M$21.9M$18.8M$32.6M$56.0M$38.6M$25.9M$22.5M
Income tax$50.2M$38.8M$34.7M$44.2M$45.0M$28.7M$34.4M$24.4M$46.0M$40.4M
Net income$169.2M$140.6M$118.8M$152.0M$154.9M$104.4M$121.0M$112.6M$82.2M$78.4M
EPS (diluted)$3.33$2.97$2.65$3.52$3.54$2.37$2.74$2.56$1.87$1.80
Operating cash flow$235.2M$188.6M$157.5M$183.2M$159.2M$145.3M$153.5M$147.8M$136.9M$110.6M
Cash & equivalents—————$672.7M$216.8M$181.0M$159.7M$149.2M
Total assets$16.0B$13.8B$13.3B$11.7B$12.0B$10.9B$9.7B$9.6B$9.1B$8.9B
Total liabilities$14.1B$12.3B$11.9B$10.6B$10.8B$9.7B$8.6B$8.5B$8.2B$8.0B
Shareholders' equity$1.9B$1.5B$1.4B$1.2B$1.3B$1.2B$1.1B$1.0B$958.2M$913.3M

Growth · year-over-year · Revenue CAGR 5.7%

MetricFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue growth+10.4%+14.5%-3.9%-0.2%+7.2%+4.8%+6.7%+11.1%+2.1%—
Net income growth+20.3%+18.4%-21.9%-1.9%+48.4%-13.7%+7.5%+37.0%+4.8%+2.6%
EPS growth+12.1%+12.1%-24.7%-0.6%+49.4%-13.5%+7.0%+36.9%+3.9%+4.7%

Each column is the change versus the prior fiscal year. Growth off a negative or zero base is shown as “—”. CAGR is the compound annual revenue growth across the years shown.

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.