NBT Financial Statements From 2010 to 2026

Stocks . USA . 
Stock . NBT Bancorp
NBTB Stock  USD 46.06  0.81  1.79%   
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
678.3 M
Profit Margin
0.2495
Market Capitalization
2.4 B
Enterprise Value Revenue
3.8044
Revenue
678.3 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 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. The current year's Enterprise Value is expected to grow to about 1.9 B

NBT Bancorp Total Revenue

910.8 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 219.9 M or Selling General Administrative of 308.6 M, as well as many indicators such as Price To Sales Ratio of 2.04, Dividend Yield of 0.0341 or PTB Ratio of 1.87. 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 Assets16.8 B16 B9.9 B
Slightly volatile
Short and Long Term Debt Total181.7 M191.2 M584.7 M
Pretty Stable
Other Current Liabilities13.9 B13.3 B8 B
Slightly volatile
Total Current Liabilities140.7 M148.1 M6.5 B
Slightly volatile
Total Stockholder Equity2 B1.9 B1.1 B
Slightly volatile
Property Plant And Equipment Net65.9 M99.3 M76.3 M
Slightly volatile
Retained Earnings1.3 B1.3 B684.2 M
Slightly volatile
Cash195.1 M185.2 M265.7 M
Slightly volatile
Non Current Assets Total579.7 M610.2 M6.6 B
Slightly volatile
Non Currrent Assets Other409.2 M804 M564.9 M
Very volatile
Other Assets6.9 B13.3 B8.1 B
Pretty Stable
Cash And Short Term Investments2.2 B2 B1.4 B
Slightly volatile
Common Stock Shares Outstanding36.7 M50.9 M41.1 M
Slightly volatile
Liabilities And Stockholders Equity16.8 B16 B9.9 B
Slightly volatile
Non Current Liabilities Total14.6 B14 B2 B
Slightly volatile
Other Stockholder Equity2 B1.9 B581 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 Assets2.2 B2 B1.6 B
Very volatile
Short Term Debt140.7 M148.1 M364.3 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 Investments1.1 B1.9 B1.2 B
Slightly volatile
Inventory114.7 K120.8 K1.9 M
Slightly volatile
Intangible Assets60.5 M57.7 M23.9 M
Slightly volatile
Property Plant Equipment78.5 M79.4 M76.1 M
Very volatile
Good Will475.9 M453.3 M276.7 M
Slightly volatile
Net Tangible Assets732.6 M1 B711.3 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 Investments4 B2.2 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 Assets2 B2 B1.8 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

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization33.2 M31.6 M17.4 M
Slightly volatile
Interest Expense219.9 M209.4 M70 M
Slightly volatile
Selling General Administrative308.6 M293.9 M174.7 M
Slightly volatile
Total Revenue910.8 M867.4 M494.5 M
Slightly volatile
Gross Profit657 M625.7 M401.8 M
Slightly volatile
Other Operating Expenses680.4 M648 M357.1 M
Slightly volatile
Operating Income230.4 M219.4 M137.5 M
Slightly volatile
EBIT216.7 M206.4 M135.9 M
Slightly volatile
EBITDA230.4 M219.4 M151.1 M
Slightly volatile
Cost Of Revenue253.8 M241.7 M92.7 M
Slightly volatile
Total Operating Expenses426.6 M406.3 M264.4 M
Slightly volatile
Income Before Tax230.4 M219.4 M137.5 M
Slightly volatile
Net Income177.7 M169.2 M102.6 M
Slightly volatile
Income Tax Expense25.4 M50.2 M33.2 M
Slightly volatile
Net Income Applicable To Common Shares183.5 M174.8 M105.9 M
Slightly volatile
Selling And Marketing Expenses2.3 M3 M2.9 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

Trends
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
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

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio2.042.25492.8975
Pretty Stable
Dividend Yield0.03410.03420.0307
Slightly volatile
PTB Ratio1.871.03151.4125
Slightly volatile
Book Value Per Share42.2640.251724.8049
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 Ratio1.871.03151.4125
Slightly volatile
EV To Sales2.92.26193.7092
Pretty Stable
Free Cash Flow Per Share1.723.372.8163
Slightly volatile
ROIC0.03980.06370.0531
Slightly volatile
Net Income Per Share3.773.59242.3755
Slightly volatile
Sales General And Administrative To Revenue0.220.33880.3462
Slightly volatile
Capex To Revenue0.02340.01720.0177
Slightly volatile
Cash Per Share45.6543.473634.5872
Slightly volatile
POCF Ratio12.213.7410.787
Slightly volatile
Interest Coverage1.681.04773.6919
Very volatile
Payout Ratio0.670.39530.4526
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
ROE0.120.08920.097
Slightly volatile
EV To Operating Cash Flow17.3414.5413.7318
Very volatile
PE Ratio20.8511.557715.0881
Pretty Stable
Return On Tangible Assets0.00830.01090.0103
Slightly volatile
EV To Free Cash Flow20.2215.514.737
Very volatile
Earnings Yield0.05260.08650.0697
Very volatile
Intangibles To Total Assets0.01720.03190.0291
Slightly volatile
Current Ratio14.5213.83141.8307
Slightly volatile
Tangible Book Value Per Share30.8829.405917.9219
Slightly volatile
Graham Number59.8957.039636.3111
Slightly volatile
Shareholders Equity Per Share42.2640.251724.8049
Slightly volatile
Debt To Equity0.09580.10090.6338
Slightly volatile
Capex Per Share0.140.220.1802
Very volatile
Revenue Per Share19.3318.413311.6291
Slightly volatile
Interest Debt Per Share13.488.505615.9181
Pretty Stable
Debt To Assets0.01140.0120.0664
Slightly volatile
Enterprise Value Over EBITDA16.968.94112.4001
Very volatile
Short Term Coverage Ratios1.091.040.5944
Slightly volatile
Price Earnings Ratio20.8511.557715.0881
Pretty Stable
Price Book Value Ratio1.871.03151.4125
Slightly volatile
Dividend Payout Ratio0.670.39530.4526
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 Margin0.180.2530.2696
Pretty Stable
Operating Profit Margin0.180.2530.2696
Pretty Stable
Effective Tax Rate0.320.22880.2712
Slightly volatile
Company Equity Multiplier11.688.43539.5707
Very volatile
Long Term Debt To Capitalization0.08210.08640.1907
Slightly volatile
Total Debt To Capitalization0.0870.09160.3559
Slightly volatile
Return On Capital Employed0.01320.01380.084
Slightly volatile
Debt Equity Ratio0.09580.10090.6338
Slightly volatile
Ebit Per Revenue0.180.2530.2696
Pretty Stable
Quick Ratio14.5213.83141.8307
Slightly volatile
Dividend Paid And Capex Coverage Ratio2.92.932.7728
Very volatile
Net Income Per E B T0.570.77120.7224
Pretty Stable
Cash Ratio1.311.25050.1835
Slightly 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 Ratio1.871.03151.4125
Slightly volatile
Fixed Asset Turnover4.458.73755.9569
Slightly volatile
Capital Expenditure Coverage Ratio12.2914.4517.5056
Pretty Stable
Price Cash Flow Ratio12.213.7410.787
Slightly volatile
Enterprise Value Multiple16.968.94112.4001
Very volatile
Debt Ratio0.01140.0120.0664
Slightly volatile
Cash Flow To Debt Ratio0.550.520.2946
Slightly volatile
Price Sales Ratio2.042.25492.8975
Pretty Stable
Return On Assets0.00820.01060.01
Slightly volatile
Asset Turnover0.07250.05420.0538
Pretty Stable
Net Profit Margin0.140.19510.1983
Slightly volatile
Gross Profit Margin0.570.72140.8068
Pretty Stable
Price Fair Value1.871.03151.4125
Slightly volatile
Return On Equity0.120.08920.097
Slightly volatile

NBT Bancorp Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap1.8 B1.8 B1.6 B
Slightly volatile
Enterprise Value1.9 B1.8 B1.1 B
Slightly volatile

NBT Fundamental Market Drivers

Forward Price Earnings13.4048
Cash And Short Term Investments2 B

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 Revenue867.4 M910.8 M
Cost Of Revenue241.7 M253.8 M
Stock Based Compensation To Revenue 0.01  0.01 
Sales General And Administrative To Revenue 0.34  0.22 
Capex To Revenue 0.02  0.02 
Revenue Per Share 18.41  19.33 
Ebit Per Revenue 0.25  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:
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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 Portfolio Manager module to state of the art Portfolio Manager to monitor and improve performance of your invested capital.
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. Anticipated expansion of NBT directly elevates investor willingness to pay premium valuations. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive NBT Bancorp assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth
0.395
Dividend Share
1.42
Earnings Share
3.33
Revenue Per Share
13.388
Quarterly Revenue Growth
0.24
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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Z Score
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Piotroski
F Score
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Beneish
M Score
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Financial
Analysis
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Buy or Sell
Advice
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Earnings
Projections
Details
It's important to distinguish between NBT Bancorp's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding NBT Bancorp should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Meanwhile, NBT Bancorp's quoted price indicates the marketplace figure where supply meets demand through bilateral consent.
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