NBT Bancorp financials
$50.22−1.18%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Quarter | Q2 '26 Jun 30 | Q1 '26 Mar 31 | Q4 '25 Dec 31 | Q3 '25 Sep 30 | Q2 '25 Jun 30 | Q1 '25 Mar 31 | Q4 '24 Dec 31 | Q3 '24 Sep 30 | Q2 '24 Jun 30 | Q1 '24 Mar 31 | Q4 '23 Dec 31 | Q3 '23 Sep 30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $235.5M | $232.8M | $238.2M | $241.9M | $224.5M | $201.9M | $200.2M | $202.0M | $194.0M | $192.3M | $189.4M | $177.3M |
| Gross profit | $186.7M | $184.5M | $185.1M | $186.1M | $171.2M | $154.7M | $148.5M | $147.4M | $140.4M | $140.6M | $137.7M | $135.1M |
| Gross margin | 79.3% | 79.3% | 77.7% | 76.9% | 76.2% | 76.6% | 74.2% | 73.0% | 72.4% | 73.1% | 72.7% | 76.2% |
| Operating income | $69.1M | $66.7M | $69.7M | $71.8M | $30.7M | $47.2M | $45.5M | $48.8M | $41.9M | $43.2M | $39.8M | $31.7M |
| Net income | $53.0M | $51.1M | $55.5M | $54.5M | $22.5M | $36.7M | $36.0M | $38.1M | $32.7M | $33.8M | $30.4M | $24.6M |
| Net margin | 22.5% | 22.0% | 23.3% | 22.5% | 10.0% | 18.2% | 18.0% | 18.9% | 16.9% | 17.6% | 16.1% | 13.9% |
| Diluted EPS | $1.02 | $0.98 | $1.06 | $1.03 | $0.44 | $0.77 | $0.76 | $0.80 | $0.69 | $0.71 | $0.64 | $0.54 |
| EBITDA | $69.1M | $66.7M | $69.7M | $73.0M | $47.9M | $48.4M | $46.5M | $49.3M | $41.9M | $43.2M | $40.0M | $39.6M |
| Operating cash flow | $61.9M | $53.0M | $66.1M | $80.6M | $46.5M | $42.0M | $49.2M | $52.1M | $50.5M | $36.7M | $35.7M | $54.6M |
| Free cash flow | $60.5M | $48.6M | $62.1M | $74.3M | $44.1M | $38.3M | $45.5M | $47.8M | $49.1M | $34.3M | $32.7M | $51.2M |
| Diluted shares | 52.2M | 52.4M | 52.6M | 52.6M | 50.8M | 47.5M | 47.5M | 47.5M | 47.4M | 47.4M | 47.4M | 45.4M |
Balance sheet
| Period end | Jun 30 | Mar 31 | Dec 31 | Sep 30 | Jun 30 | Mar 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $187.2M | $151.6M | $185.2M | $245.8M | $264.8M | $216.7M |
| Short-term investments | $2.97B | $3.32B | $3.02B | $3.07B | $2.90B | $2.65B |
| Total debt | $471.2M | $297.4M | $327.4M | $319.4M | $411.4M | $313.0M |
| Total assets | $16.21B | $16.20B | $16.00B | $16.11B | $16.01B | $13.86B |
| Total liabilities | $14.27B | $14.29B | $14.10B | $14.26B | $14.21B | $12.30B |
| Shareholders' equity | $1.94B | $1.91B | $1.90B | $1.85B | $1.81B | $1.57B |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology