NBT Bancorp financials
$50.22−1.18%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Dec 31 | FY24 Dec 31 | FY23 Dec 31 | FY22 Dec 31 | FY21 Dec 31 | FY20 Dec 31 | FY19 Dec 31 | FY18 Dec 31 | FY17 Dec 31 | FY16 Dec 31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $906.5M | $788.5M | $665.0M | $539.6M | $497.7M | $494.6M | $511.6M | $469.0M | $430.7M | $402.7M |
| Gross profit | $697.0M | $576.9M | $520.4M | $517.8M | $478.9M | $462.0M | $455.6M | $430.4M | $404.8M | $380.2M |
| Gross margin | 76.9% | 73.2% | 78.3% | 95.9% | 96.2% | 93.4% | 89.1% | 91.8% | 94.0% | 94.4% |
| Operating income | $219.4M | $179.5M | $153.5M | $196.2M | $199.9M | $133.1M | $155.4M | $137.0M | $128.2M | $118.8M |
| Net income | $169.2M | $140.6M | $118.8M | $152.0M | $154.9M | $104.4M | $121.0M | $112.6M | $82.2M | $78.4M |
| Net margin | 18.7% | 17.8% | 17.9% | 28.2% | 31.1% | 21.1% | 23.7% | 24.0% | 19.1% | 19.5% |
| Diluted EPS | $3.33 | $2.97 | $2.65 | $3.52 | $3.54 | $2.37 | $2.74 | $2.56 | $1.87 | $1.80 |
| EBITDA | $239.0M | $181.0M | $163.4M | $197.1M | $199.9M | $133.1M | $155.4M | $137.0M | $128.2M | $118.8M |
| Operating cash flow | $235.2M | $188.6M | $157.5M | $183.2M | $159.2M | $145.3M | $153.5M | $147.8M | $136.9M | $110.6M |
| Free cash flow | $218.9M | $176.8M | $148.2M | $176.2M | $151.4M | $137.1M | $146.8M | $140.4M | $130.2M | $107.3M |
| Diluted shares | 50.9M | 47.4M | 44.8M | 43.2M | 43.7M | 44.0M | 44.1M | 44.0M | 43.9M | 43.6M |
Balance sheet
| Period end | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $185.2M | $205.1M | $173.8M | $166.5M | $157.8M | $160.0M |
| Short-term investments | $3.02B | $2.57B | $2.45B | $2.55B | $3.59B | $2.54B |
| Total debt | $327.4M | $415.0M | $637.4M | $788.0M | $311.5M | $406.7M |
| Total assets | $16.00B | $13.79B | $13.31B | $11.74B | $12.01B | $10.93B |
| Total liabilities | $14.10B | $12.26B | $11.88B | $10.57B | $10.76B | $9.75B |
| Shareholders' equity | $1.90B | $1.53B | $1.43B | $1.17B | $1.25B | $1.19B |
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