Saturday 17 October 2026 Export NBTB’s income statement to Excel — free account

NBT Bancorp Inc.

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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Market cap: $2.6B
P/E: 12.4×
Fwd P/E: 11.1×
Dividend yield: 2.97%
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

	Older periods	Sep '25	Dec '25	Mar '26	Jun '26
P/E ratio Full definition →	+8 more quarters Free account	13.78	12.47	12.06	12.04
P/S ratio Full definition →		2.52	2.32	2.37	2.71
P/FCF ratio Full definition →		10.82	9.61	9.68	10.45
P/Operating CF Full definition →		27.17	31.79	41.84	41.47
P/B ratio Full definition →		1.18	1.11	1.16	1.32
Price to Tangible BV Full definition →		1.64	1.52	1.58	1.78
EV/Sales Full definition →		1.99	1.98	1.80	2.56
EV/EBITDA Full definition →		0.00	0.00	0.00	0.00
EV/Operating CF Full definition →		7.93	7.63	6.83	9.27
EV/FCF Full definition →		8.55	8.20	7.34	9.88
Quick Ratio Full definition →		0.05	0.04	0.05	0.02
Current Ratio Full definition →		0.88	0.88	0.87	0.87
Net Debt/EBITDA Full definition →		0.00	0.00	0.00	0.00
Debt/Assets Full definition →		1.12%	1.12%	1.11%	0.95%
Debt/Equity Full definition →		0.10	0.09	0.09	0.08
Asset Turnover Full definition →		0.06	0.06	0.06	0.06
Operating CF/Net income Full definition →		1.48	1.19	1.04	1.17
Capex/Depreciation Full definition →		(0.67)	(0.43)	(0.48)	(0.15)
Research and Development Expense of Revenue Full definition →		0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →		45.35%	47.05%	49.17%	48.57%
Intangible Assets out of Total Assets Full definition →		0.03	0.03	0.03	0.03
Share Based Compensation of Revenue Full definition →		0.66%	0.27%	1.45%	0.37%
Graham Net Nets Full definition →		(0.99)	(1.02)	(0.98)	(0.87)
Graham Number Full definition →		49.09	52.96	54.01	58.74
Earnings Yield Full definition →		7.26%	8.02%	8.29%	8.30%
Free Cash Flow Yield Full definition →		9.24%	10.41%	10.33%	9.57%
Revenue per Share Full definition →		4.61	4.70	4.47	4.53
Operating CF per Share Full definition →		1.54	1.31	1.02	1.19
Capex per Share Full definition →		(0.12)	(0.08)	(0.08)	(0.03)
Free Cash Flow per Share Full definition →		1.42	1.23	0.93	1.16
Cash per Share Full definition →		12.21	9.62	13.74	5.67
Shareholders Equity per Share Full definition →		35.35	37.44	36.73	37.40
Interest Debt per Share Full definition →		0.00	0.00	0.00	0.00
Book value per Share Full definition →		35.35	37.44	36.73	37.40
Free Cash Flow Full definition →		74.35	62.12	48.62	60.53
Working Capital Full definition →		(1,699.35)	(1,698.92)	(1,735.86)	(1,825.51)
Capital Expenditures Full definition →		(6.24)	(4.03)	(4.42)	(1.36)
Net Current Asset Value Full definition →		(2,159.14)	(2,150.57)	(2,165.10)	(2,242.81)
EV/EBIT Full definition →		0.00	0.00	0.00	0.00
Capex to Sales Full definition →		0.03	0.02	0.02	0.01
Price to Operating Income Full definition →		10.14	8.80	8.63	9.22
Other line items
Average Payables Full definition →		12,624.60	12,522.98	12,725.74	13,526.27
Average Assets Full definition →		14,976.07	14,890.90	15,034.33	16,114.87
Average Common Equity Full definition →		1,687.56	1,711.18	1,740.09	1,874.54

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