NBT Financial Statements From 2010 to 2024

Stocks . USA . 
Stock . NBT Bancorp
NBTB Stock  USD 50.99  0.54  1.07%   
NBT Bancorp financial statements provide useful quarterly and yearly information to potential NBT Bancorp investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on NBT Bancorp financial statements helps investors assess NBT Bancorp's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting NBT Bancorp's valuation are summarized below:
Gross Profit
500.6 M
Profit Margin
0.2507
Market Capitalization
2.4 B
Enterprise Value Revenue
4.8458
Revenue
538.8 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 2024 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 2.1 B

NBT Bancorp Total Revenue

267.43 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 23.4 M, Interest Expense of 151.8 M or Selling General Administrative of 100.3 M, as well as many indicators such as Price To Sales Ratio of 2.65, Dividend Yield of 0.0345 or PTB Ratio of 1.8. NBT financial statements analysis is a perfect complement when working with NBT Bancorp Valuation or Volatility modules.
  
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 B13.3 B9 B
Slightly volatile
Short and Long Term Debt Total574.8 M543.7 M641.1 M
Pretty Stable
Total Stockholder Equity1.5 B1.4 B954.3 M
Slightly volatile
Property Plant And Equipment Net63.5 M107.4 M76.1 M
Pretty Stable
Retained Earnings1.1 B1 B600.7 M
Slightly volatile
Cash189.4 M205.2 M269.4 M
Slightly volatile
Non Current Assets Total3 B2.9 B2.1 B
Slightly volatile
Other Assets6.8 B10.3 B8.2 B
Pretty Stable
Cash And Short Term Investments100.3 M105.6 M1.2 B
Pretty Stable
Common Stock Shares Outstanding34.4 M44.8 M39.8 M
Slightly volatile
Liabilities And Stockholders Equity14 B13.3 B9 B
Slightly volatile
Non Current Liabilities Total12.5 B11.9 B1.9 B
Slightly volatile
Other Stockholder Equity592.5 M564.3 M401 M
Slightly volatile
Total Liabilities12.5 B11.9 B8.1 B
Slightly volatile
Property Plant And Equipment Gross255.7 M243.5 M113.6 M
Slightly volatile
Total Current Assets100.3 M105.6 M3.7 B
Slightly volatile
Total Current Liabilities5.2 B4.9 B1 B
Slightly volatile
Short Term Debt317.4 M293 M392.7 M
Pretty Stable
Other Current Assets235.5 M247.9 M2.8 B
Slightly volatile
Common Stock Total Equity772 K447.3 K1.4 M
Slightly volatile
Common Stock758.4 K540 K1.4 M
Slightly volatile
Other Liabilities96.3 M159.9 M113.9 M
Slightly volatile
Accounts Payable5.9 B10.9 B7 B
Slightly volatile
Long Term Debt250.6 M250.7 M250.8 M
Slightly volatile
Short Term Investments1.1 B1.4 B1.2 B
Slightly volatile
Inventory114.7 K120.8 K2.2 M
Slightly volatile
Intangible Assets42.5 M40.4 M19.6 M
Pretty Stable
Property Plant Equipment78.5 M79.4 M77 M
Pretty Stable
Good Will205.2 M361.9 M241.2 M
Slightly volatile
Net Tangible Assets732.6 M1 B688.2 M
Slightly volatile
Long Term Debt Total204.4 M178.3 M245.4 M
Slightly volatile
Capital Surpluse565.2 M664.5 M531.5 M
Slightly volatile
Long Term Investments4.2 B2.4 B5.2 B
Pretty Stable
Non Current Liabilities Other346.2 M329.7 M168.6 M
Slightly volatile
Short and Long Term Debt453.5 M293 M305.1 M
Slightly volatile
Earning Assets2 B2 B1.8 B
Slightly volatile
Net Invested Capital1.2 B2 B1.7 B
Slightly volatile
Capital Stock554.6 K540 K503.7 K
Slightly volatile
Net Receivables8.5 B9.3 B7.6 B
Slightly volatile

NBT Bancorp Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization23.4 M22.3 M9.8 M
Slightly volatile
Interest Expense151.8 M144.6 M46.7 M
Slightly volatile
Selling General Administrative100.3 M200.5 M150.4 M
Slightly volatile
Total Revenue267.4 M490.4 M369.2 M
Slightly volatile
Gross Profit267.4 M490.4 M369.2 M
Slightly volatile
Other Operating Expenses526.7 M501.6 M252.6 M
Slightly volatile
Operating Income212.1 M202 M135.3 M
Slightly volatile
EBIT86.3 M153.5 M122.8 M
Slightly volatile
EBITDA93.8 M175.7 M131.5 M
Slightly volatile
Income Before Tax84.7 M153.5 M119.5 M
Slightly volatile
Net Income61.1 M118.8 M87.9 M
Slightly volatile
Income Tax Expense23.6 M34.7 M31.6 M
Slightly volatile
Cost Of Revenue59.9 K63 K31.5 M
Slightly volatile
Net Income Applicable To Common Shares183.5 M174.8 M99.8 M
Slightly volatile
Selling And Marketing Expenses2.3 M3.1 M2.8 M
Slightly volatile
Net Income From Continuing Ops103.2 M124.5 M94.4 M
Slightly volatile
Tax Provision30.1 M35.9 M38 M
Slightly volatile
Net Interest Income341.7 M378.8 M293.3 M
Slightly volatile
Interest Income383.1 M481 M325.6 M
Slightly volatile
Reconciled Depreciation10.6 M20.2 M12.9 M
Very volatile

NBT Bancorp Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow81 M148.2 M112.8 M
Slightly volatile
Begin Period Cash Flow186.8 M197.3 M266.9 M
Slightly volatile
Depreciation23.4 M22.3 M15.2 M
Slightly volatile
Dividends Paid58.7 M55.9 M39.5 M
Slightly volatile
Capital Expenditures6 M9.3 M6.9 M
Pretty Stable
Total Cash From Operating Activities87 M157.5 M119.8 M
Slightly volatile
Net Income61.1 M118.8 M87.9 M
Slightly volatile
End Period Cash Flow201.9 M205.2 M269.1 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio2.653.83093.2943
Slightly volatile
Dividend Yield0.03450.02970.0306
Slightly volatile
PTB Ratio1.81.31761.4297
Slightly volatile
Book Value Per Share33.431.806822.665
Slightly volatile
Free Cash Flow Yield0.110.07890.0976
Slightly volatile
Operating Cash Flow Per Share1.833.51282.8796
Slightly volatile
Stock Based Compensation To Revenue0.0120.01040.0108
Slightly volatile
Capex To Depreciation0.410.41550.5072
Slightly volatile
PB Ratio1.81.31761.4297
Slightly volatile
EV To Sales3.854.52124.2398
Very volatile
Free Cash Flow Per Share1.693.30642.7068
Slightly volatile
ROIC0.04220.07940.0605
Slightly volatile
Net Income Per Share2.782.652.1867
Slightly volatile
Sales General And Administrative To Revenue0.280.40890.3975
Pretty Stable
Capex To Revenue0.03030.01890.021
Slightly volatile
Cash Per Share19.0636.499833.9153
Slightly volatile
POCF Ratio8.7111.930510.306
Slightly volatile
Interest Coverage1.81.39714.2215
Slightly volatile
Payout Ratio0.720.47050.4604
Very volatile
Capex To Operating Cash Flow0.10.05880.0661
Slightly volatile
PFCF Ratio13.8212.675511.2805
Slightly volatile
Income Quality2.231.32561.5285
Slightly volatile
ROE0.0880.08330.0957
Slightly volatile
EV To Operating Cash Flow17.1914.080613.5953
Pretty Stable
PE Ratio21.4915.815115.3121
Pretty Stable
Return On Tangible Assets0.00810.00920.0102
Slightly volatile
EV To Free Cash Flow19.6114.959914.568
Pretty Stable
Earnings Yield0.05260.06320.0691
Pretty Stable
Intangibles To Total Assets0.01670.03020.0289
Slightly volatile
Current Ratio0.02040.021511.4911
Slightly volatile
Tangible Book Value Per Share23.9722.831816.2858
Slightly volatile
Graham Number45.7343.548633.2778
Slightly volatile
Shareholders Equity Per Share33.431.806822.665
Slightly volatile
Debt To Equity0.360.38140.6893
Slightly volatile
Capex Per Share0.140.20650.1728
Pretty Stable
Revenue Per Share5.6210.94018.8766
Slightly volatile
Interest Debt Per Share14.215.35616.2691
Very volatile
Debt To Assets0.03880.04090.072
Slightly volatile
Short Term Coverage Ratios0.280.53740.4257
Slightly volatile
Price Earnings Ratio21.4915.815115.3121
Pretty Stable
Price Book Value Ratio1.81.31761.4297
Slightly volatile
Dividend Payout Ratio0.720.47050.4604
Very volatile
Price To Operating Cash Flows Ratio8.7111.930510.306
Slightly volatile
Price To Free Cash Flows Ratio13.8212.675511.2805
Slightly volatile
Pretax Profit Margin0.240.31290.3074
Slightly volatile
Ebt Per Ebit0.890.75980.8179
Slightly volatile
Operating Profit Margin0.250.41190.3236
Slightly volatile
Effective Tax Rate0.330.2260.2783
Slightly volatile
Company Equity Multiplier11.749.33529.6862
Pretty Stable
Long Term Debt To Capitalization0.140.14960.2048
Slightly volatile
Total Debt To Capitalization0.540.27610.3998
Very volatile
Return On Capital Employed0.01240.02410.0156
Slightly volatile
Debt Equity Ratio0.360.38140.6893
Slightly volatile
Ebit Per Revenue0.250.41190.3236
Slightly volatile
Quick Ratio0.02040.021511.4911
Slightly volatile
Dividend Paid And Capex Coverage Ratio2.922.41722.7733
Very volatile
Net Income Per E B T0.560.7740.7143
Pretty Stable
Cash Ratio0.03970.04181.5045
Pretty Stable
Operating Cash Flow Sales Ratio0.360.32110.3263
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.720.94120.9219
Pretty Stable
Cash Flow Coverage Ratios0.360.28960.4162
Slightly volatile
Price To Book Ratio1.81.31761.4297
Slightly volatile
Fixed Asset Turnover3.174.56694.7329
Slightly volatile
Capital Expenditure Coverage Ratio13.3117.01517.837
Slightly volatile
Price Cash Flow Ratio8.7111.930510.306
Slightly volatile
Debt Ratio0.03880.04090.072
Slightly volatile
Cash Flow To Debt Ratio0.360.28960.4162
Slightly volatile
Price Sales Ratio2.653.83093.2943
Slightly volatile
Return On Assets0.00790.00890.0099
Slightly volatile
Asset Turnover0.05170.03680.0454
Slightly volatile
Net Profit Margin0.170.24220.2236
Slightly volatile
Price Fair Value1.81.31761.4297
Slightly volatile
Return On Equity0.0880.08330.0957
Slightly volatile

NBT Bancorp Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap1.8 B1.7 B1.4 B
Slightly volatile
Enterprise Value2.1 B2 B1.5 B
Slightly volatile

NBT Fundamental Market Drivers

Forward Price Earnings14.1643
Cash And Short Term Investments105.6 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 Revenue490.4 M267.4 M
Cost Of Revenue63 K59.9 K
Stock Based Compensation To Revenue 0.01  0.01 
Sales General And Administrative To Revenue 0.41  0.28 
Capex To Revenue 0.02  0.03 
Revenue Per Share 10.94  5.62 
Ebit Per Revenue 0.41  0.25 

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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?
Details
What is NBT Bancorp's Net Worth?
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Largest Regional Banks Companies
View
Largest Banks - Regional Companies
View
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 Economic Indicators module to top statistical indicators that provide insights into how an economy is performing.
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
0.481
Dividend Share
1.3
Earnings Share
2.85
Revenue Per Share
11.427
Quarterly Revenue Growth
0.18
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.
Altman
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
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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