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Friday 6 November 2026
Export NBTB’s income statement to Excel — free account
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.
- Revenue
- +1.43%
- EPS
- +7.69%
- Free cash flow
- +37.1%
- Total debt
- −14.3%
Quarter to September 2026, against a year earlier
52.77
0.20
−0.38%
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| Older periods | Dec '25 | Mar '26 | Jun '26 | Sep '26 | |
|---|---|---|---|---|---|
P/E ratio |
+8 more quarters Free account |
12.47 | 12.06 | 12.04 | 12.00 |
P/S ratio |
2.32 | 2.37 | 2.71 | 2.73 | |
P/FCF ratio |
9.61 | 9.68 | 10.45 | 10.58 | |
P/Operating CF |
31.79 | 41.84 | 41.47 | 41.99 | |
P/B ratio |
1.11 | 1.16 | 1.32 | 1.34 | |
Price to Tangible BV |
1.52 | 1.58 | 1.78 | 1.80 | |
EV/Sales |
1.98 | 1.80 | 2.56 | — | |
EV/EBITDA |
0.00 | 0.00 | 0.00 | — | |
EV/Operating CF |
7.63 | 6.83 | 9.27 | — | |
EV/FCF |
8.20 | 7.34 | 9.88 | — | |
Quick Ratio |
0.04 | 0.05 | 0.02 | 0.02 | |
Current Ratio |
0.88 | 0.87 | 0.87 | 0.87 | |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | |
Debt/Assets |
1.12% | 1.11% | 0.95% | 0.94% | |
Debt/Equity |
0.09 | 0.09 | 0.08 | 0.08 | |
Asset Turnover |
0.06 | 0.06 | 0.06 | 0.06 | |
Operating CF/Net income |
1.19 | 1.04 | 1.17 | 0.00 | |
Capex/Depreciation |
(0.43) | (0.48) | (0.15) | — | |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | |
Selling, General and Administrative Expense of Revenue |
47.05% | 49.17% | 48.57% | 47.26% | |
Intangible Assets out of Total Assets |
0.03 | 0.03 | 0.03 | 0.03 | |
Share Based Compensation of Revenue |
0.27% | 1.45% | 0.37% | 0.00% | |
Graham Net Nets |
(1.02) | (0.98) | (0.87) | (0.89) | |
Graham Number |
52.96 | 54.01 | 58.74 | 0.00 | |
Earnings Yield |
8.02% | 8.29% | 8.30% | 8.33% | |
Free Cash Flow Yield |
10.41% | 10.33% | 9.57% | 9.45% | |
Revenue per Share |
4.70 | 4.47 | 4.53 | 4.74 | |
Operating CF per Share |
1.31 | 1.02 | 1.19 | 0.00 | |
Capex per Share |
(0.08) | (0.08) | (0.03) | 0.00 | |
Free Cash Flow per Share |
1.23 | 0.93 | 1.16 | 0.00 | |
Cash per Share |
9.62 | 13.74 | 5.67 | 6.22 | |
Shareholders Equity per Share |
37.44 | 36.73 | 37.40 | 37.49 | |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | |
Book value per Share |
37.44 | 36.73 | 37.40 | 37.49 | |
Free Cash Flow |
62.12 | 48.62 | 60.53 | — | |
Working Capital |
(1,698.92) | (1,735.86) | (1,825.51) | (1,869.29) | |
Capital Expenditures |
(4.03) | (4.42) | (1.36) | — | |
Net Current Asset Value |
(2,150.57) | (2,165.10) | (2,242.81) | (2,319.67) | |
EV/EBIT |
0.00 | 0.00 | 0.00 | — | |
Capex to Sales |
0.02 | 0.02 | 0.01 | 0.00 | |
Price to Operating Income |
8.80 | 8.63 | 9.22 | 9.23 | |
| Other line items | |||||
Average Payables |
12,522.98 | 12,725.74 | 13,526.27 | 13,623.68 | |
Average Assets |
14,890.90 | 15,034.33 | 16,114.87 | 16,253.14 | |
Average Common Equity |
1,711.18 | 1,740.09 | 1,874.54 | — |
Columns are period end dates · fundamentals updated 2 Nov 2026