stockrowNBT 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
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NBT Bancorp Inc. (NBTB) Free cash flow
NBT Bancorp Inc.'s free cash flow for fiscal 2025 was $218.9M, up 23.8% from $176.8M in fiscal 2024. Over the twelve months to 30 June 2026 it was $245.6M. Over the past ten years it has ranged from $107.3M (fiscal 2016) to $218.9M (fiscal 2025) — the current reading is the highest in ten years. NBT Bancorp Inc. ranks 89th of 323 Banks Regional companies by free cash flow.
Free cash flow, annual
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Annual newest first
| Period | Free cash flow | Change |
|---|---|---|
| FY2025 | $218.9M | 23.80% |
| FY2024 | $176.8M | 19.31% |
| FY2023 | $148.2M | (15.90%) |
| FY2022 | $176.2M | 16.36% |
| FY2021 | $151.4M | 10.45% |
| FY2020 | $137.1M | (6.61%) |
| FY2019 | $146.8M | 4.59% |
| FY2018 | $140.4M | 7.80% |
| FY2017 | $130.2M | 21.40% |
| FY2016 | $107.3M | (7.78%) |
Quarterly newest first
| Period | Free cash flow | Change |
|---|---|---|
| Jun 2026 | $60.5M | 24.50% |
| Mar 2026 | $48.6M | (21.73%) |
| Dec 2025 | $62.1M | (16.45%) |
| Sep 2025 | $74.3M | 68.41% |
| 42 more quarters | Free account |
Against its own ten years
Free cash flow against peers
| Company | Free cash flow |
|---|---|
| CUBI Customers Bancorp, Inc compare | $366.7M |
| BANC Banc of California, Inc. compare | $364.1M |
| FBNC First Bancorp compare | $284.0M |
| BOH Bank of Hawaii Corporation compare | $267.7M |
| NBTB NBT Bancorp Inc. | $245.6M |
| BANR Banner Corporation compare | $243.4M |
| BBT Beacon Financial Corporation compare | $215.9M |
| TRMK Trustmark Corporation compare | $180.0M |
| FBK FB Financial Corporation compare | $176.1M |
What Free cash flow is
Free Cash Flow tells an investor how much cash a company’s operations generate after paying for its investment in physical and intangible assets.
Operating Cash Flow + Property, Plant, Equipment Change (Net) + Intangible Assets Change (Net)
More on NBTB
- Revenue
- Net income
- EPS (diluted)
- Operating cash flow
- Gross margin
- Operating margin
- Net margin
- Free cash flow margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- Return on equity
- Return on assets
- Return on invested capital
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement