Saturday 17 October 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. 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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| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Older periods | |
|---|---|---|---|---|---|
P/E ratio |
12.04 | 12.06 | 12.47 | 13.78 |
+8 more quarters Free account |
P/S ratio |
2.71 | 2.37 | 2.32 | 2.52 | |
P/FCF ratio |
10.45 | 9.68 | 9.61 | 10.82 | |
P/Operating CF |
41.47 | 41.84 | 31.79 | 27.17 | |
P/B ratio |
1.32 | 1.16 | 1.11 | 1.18 | |
Price to Tangible BV |
1.78 | 1.58 | 1.52 | 1.64 | |
EV/Sales |
2.56 | 1.80 | 1.98 | 1.99 | |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | |
EV/Operating CF |
9.27 | 6.83 | 7.63 | 7.93 | |
EV/FCF |
9.88 | 7.34 | 8.20 | 8.55 | |
Quick Ratio |
0.02 | 0.05 | 0.04 | 0.05 | |
Current Ratio |
0.87 | 0.87 | 0.88 | 0.88 | |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | |
Debt/Assets |
0.95% | 1.11% | 1.12% | 1.12% | |
Debt/Equity |
0.08 | 0.09 | 0.09 | 0.10 | |
Asset Turnover |
0.06 | 0.06 | 0.06 | 0.06 | |
Operating CF/Net income |
1.17 | 1.04 | 1.19 | 1.48 | |
Capex/Depreciation |
(0.15) | (0.48) | (0.43) | (0.67) | |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | |
Selling, General and Administrative Expense of Revenue |
48.57% | 49.17% | 47.05% | 45.35% | |
Intangible Assets out of Total Assets |
0.03 | 0.03 | 0.03 | 0.03 | |
Share Based Compensation of Revenue |
0.37% | 1.45% | 0.27% | 0.66% | |
Graham Net Nets |
(0.87) | (0.98) | (1.02) | (0.99) | |
Graham Number |
58.74 | 54.01 | 52.96 | 49.09 | |
Earnings Yield |
8.30% | 8.29% | 8.02% | 7.26% | |
Free Cash Flow Yield |
9.57% | 10.33% | 10.41% | 9.24% | |
Revenue per Share |
4.53 | 4.47 | 4.70 | 4.61 | |
Operating CF per Share |
1.19 | 1.02 | 1.31 | 1.54 | |
Capex per Share |
(0.03) | (0.08) | (0.08) | (0.12) | |
Free Cash Flow per Share |
1.16 | 0.93 | 1.23 | 1.42 | |
Cash per Share |
5.67 | 13.74 | 9.62 | 12.21 | |
Shareholders Equity per Share |
37.40 | 36.73 | 37.44 | 35.35 | |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | |
Book value per Share |
37.40 | 36.73 | 37.44 | 35.35 | |
Free Cash Flow |
60.53 | 48.62 | 62.12 | 74.35 | |
Working Capital |
(1,825.51) | (1,735.86) | (1,698.92) | (1,699.35) | |
Capital Expenditures |
(1.36) | (4.42) | (4.03) | (6.24) | |
Net Current Asset Value |
(2,242.81) | (2,165.10) | (2,150.57) | (2,159.14) | |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | |
Capex to Sales |
0.01 | 0.02 | 0.02 | 0.03 | |
Price to Operating Income |
9.22 | 8.63 | 8.80 | 10.14 | |
| Other line items | |||||
Average Payables |
13,526.27 | 12,725.74 | 12,522.98 | 12,624.60 | |
Average Assets |
16,114.87 | 15,034.33 | 14,890.90 | 14,976.07 | |
Average Common Equity |
1,874.54 | 1,740.09 | 1,711.18 | 1,687.56 |
Columns are period end dates