Saturday 17 October 2026
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NBT Bancorp Inc.
NBTB Financial Banks Regional
NBT Bancorp Inc.’s revenue for fiscal 2025 (year ended December 2025) was $906.5 million, up 15.0% from fiscal 2024. In the quarter to June 2026, revenue grew 4.89%, EPS grew 126.7%, free cash flow grew 37.1% and total debt fell 48.1%, each against the same quarter a year earlier. Dividend growth for twenty-five consecutive years, revenue growth for five; insiders bought in the last twelve months.
50.85
0.14
+0.28%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
23.19 | 19.54 | 13.41 | 14.64 | 13.43 | 10.82 | 12.10 | 15.81 | 16.03 | 12.47 |
Piotroski F-Score |
5 | 6 | 7 | 7 | 5 | 7 | 6 | 5 | 7 | 8 |
P/S ratio |
4.51 | 3.72 | 3.22 | 3.47 | 2.84 | 3.36 | 3.41 | 2.83 | 2.86 | 2.32 |
P/FCF ratio |
16.92 | 12.29 | 10.77 | 12.10 | 10.23 | 11.04 | 10.43 | 12.68 | 12.74 | 9.61 |
P/Operating CF |
59.14 | 39.68 | 31.50 | 35.90 | 37.04 | 74.72 | 61.90 | 52.70 | 45.81 | 31.79 |
P/B ratio |
1.99 | 1.67 | 1.49 | 1.59 | 1.18 | 1.34 | 1.57 | 1.32 | 1.48 | 1.11 |
Price to Tangible BV |
2.87 | 2.37 | 2.08 | 2.13 | 1.57 | 1.74 | 2.08 | 1.84 | 2.00 | 1.52 |
EV/Sales |
4.62 | 3.76 | 3.21 | 3.37 | 1.96 | 1.24 | 3.42 | 2.89 | 2.82 | 1.98 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
16.84 | 11.83 | 10.19 | 11.25 | 6.66 | 3.88 | 10.07 | 12.22 | 11.78 | 7.63 |
EV/FCF |
17.36 | 12.44 | 10.73 | 11.75 | 7.06 | 4.08 | 10.47 | 12.99 | 12.56 | 8.20 |
Quick Ratio |
0.02 | 0.02 | 0.02 | 0.03 | 0.07 | 0.12 | 0.02 | 0.02 | 0.02 | 0.04 |
Current Ratio |
0.82 | 0.85 | 0.85 | 0.88 | 0.87 | 0.84 | 0.82 | 0.86 | 0.87 | 0.88 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
2.32% | 2.08% | 1.83% | 1.70% | 2.18% | 1.78% | 1.73% | 1.88% | 1.83% | 1.12% |
Debt/Equity |
0.22 | 0.20 | 0.17 | 0.15 | 0.20 | 0.17 | 0.17 | 0.18 | 0.17 | 0.09 |
Asset Turnover |
0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.04 | 0.05 | 0.05 | 0.06 | 0.06 |
Operating CF/Net income |
1.41 | 1.67 | 1.31 | 1.27 | 1.39 | 1.03 | 1.21 | 1.33 | 1.34 | 1.39 |
Capex/Depreciation |
(0.16) | (0.35) | (0.43) | (0.28) | (0.32) | (0.30) | (0.31) | (0.36) | (0.39) | (0.46) |
| 8.73% | 8.78% | 11.39% | 11.32% | 9.05% | 12.71% | 12.54% | 9.14% | 9.53% | 9.89% | |
| 0.92% | 0.91% | 1.20% | 1.26% | 1.01% | 1.35% | 1.28% | 0.95% | 1.04% | 1.14% | |
ROIC |
7.73% | 8.20% | 8.46% | 9.09% | 11.04% | 64.04% | 10.45% | 6.94% | 7.57% | 9.40% |
Return on Tangible Assets |
(6.13%) | (7.32%) | (9.72%) | (13.82%) | (9.38%) | (9.78%) | (8.61%) | (7.76%) | (9.50%) | (10.58%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
63.93% | 63.31% | 61.69% | 57.97% | 65.81% | 55.50% | 59.00% | 52.97% | 49.15% | 49.21% |
Intangible Assets out of Total Assets |
0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.02 | 0.02 | 0.03 | 0.03 | 0.03 |
Share Based Compensation of Revenue |
1.09% | 0.85% | 0.84% | 0.82% | 0.93% | 0.89% | 0.84% | 0.77% | 0.76% | 0.58% |
Graham Net Nets |
(0.92) | (0.93) | (1.02) | (0.73) | (1.20) | (1.25) | (1.26) | (1.14) | (0.94) | (1.02) |
Graham Number |
29.33 | 30.50 | 36.77 | 39.92 | 38.23 | 48.03 | 46.67 | 43.86 | 46.58 | 52.96 |
Earnings Yield |
4.31% | 5.12% | 7.46% | 6.83% | 7.45% | 9.24% | 8.26% | 6.33% | 6.24% | 8.02% |
Free Cash Flow Yield |
5.91% | 8.14% | 9.29% | 8.26% | 9.78% | 9.05% | 9.58% | 7.89% | 7.85% | 10.41% |
Revenue per Share |
9.31 | 9.88 | 10.73 | 11.68 | 11.32 | 11.46 | 12.57 | 14.93 | 16.72 | 17.90 |
Operating CF per Share |
2.56 | 3.14 | 3.38 | 3.50 | 3.32 | 3.67 | 4.27 | 3.54 | 4.00 | 4.64 |
Capex per Share |
(0.08) | (0.15) | (0.17) | (0.15) | (0.19) | (0.18) | (0.16) | (0.21) | (0.25) | (0.32) |
Free Cash Flow per Share |
2.48 | 2.99 | 3.21 | 3.35 | 3.14 | 3.49 | 4.11 | 3.33 | 3.75 | 4.32 |
Cash per Share |
3.66 | 3.93 | 4.14 | 4.95 | 15.40 | 29.23 | 4.60 | 4.61 | 6.02 | 9.62 |
Shareholders Equity per Share |
21.12 | 21.99 | 23.29 | 25.57 | 27.18 | 28.80 | 27.34 | 32.02 | 32.36 | 37.44 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
21.12 | 21.99 | 23.29 | 25.57 | 27.18 | 28.80 | 27.34 | 32.02 | 32.36 | 37.44 |
Free Cash Flow |
107.26 | 130.21 | 140.37 | 146.82 | 137.12 | 151.45 | 176.21 | 148.20 | 176.83 | 218.92 |
Working Capital |
(1,364.09) | (1,203.35) | (1,236.80) | (951.39) | (1,187.39) | (1,655.90) | (1,833.68) | (1,610.78) | (1,561.99) | (1,698.92) |
Capital Expenditures |
(3.31) | (6.69) | (7.40) | (6.65) | (8.16) | (7.74) | (7.01) | (9.25) | (11.74) | (16.30) |
Net Current Asset Value |
(1,662.65) | (1,492.23) | (1,535.35) | (1,303.82) | (1,682.60) | (2,085.30) | (2,318.48) | (2,138.48) | (2,112.82) | (2,150.57) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.01 | 0.02 | 0.02 | 0.01 | 0.02 | 0.02 | 0.01 | 0.01 | 0.01 | 0.02 |
Price to Operating Income |
15.28 | 12.49 | 11.03 | 11.43 | 10.54 | 8.37 | 9.33 | 11.50 | 12.45 | 8.80 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.25 | 0.24 | 0.22 | 0.31 | 0.34 | 0.36 | 0.33 | 0.32 | 0.38 | 0.35 |
Cash ROIC |
8.40% | 9.87% | 10.22% | 9.77% | 6.53% | 5.54% | 11.20% | 7.88% | 8.57% | 8.54% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.00 | 0.00 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.01 | 0.02 | 0.02 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
113,098.56 | 100,998.77 | 69,626.60 | 49,474.88 | 101,669.05 | 198,828.06 | 158,410.22 | 27,693.72 | 19,922.51 | 23,524.94 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
6,789.27 | 7,072.16 | 7,269.42 | 7,478.02 | 8,334.76 | 9,658.08 | 9,865.20 | 10,232.46 | 11,257.88 | 12,522.98 |
Average Assets |
8,564.96 | 9,002.04 | 9,346.59 | 9,636.14 | 10,324.42 | 11,472.51 | 11,875.71 | 12,524.17 | 13,547.86 | 14,890.90 |
Average Common Equity |
897.66 | 935.75 | 988.04 | 1,069.15 | 1,154.01 | 1,219.04 | 1,212.00 | 1,299.62 | 1,475.92 | 1,711.18 |
Columns are period end dates