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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

52.91 1.09 −2.02%
Market cap
$2.8B
P/E
12.7×
Fwd P/E
12.4×
Dividend yield
2.85%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

NBT Bancorp Inc. (NBTB) Price to free cash flow

Alert me on Price to free cash flow

As of 5 November 2026, NBT Bancorp Inc. (NBTB) trades at a price to free cash flow of 11.2×. Over the past ten years it has ranged from 7.2× (September 2020) to 17.7× (December 2016); the current reading is higher than 47% of that period. That is above the Banks Regional industry median of 10.6× and above the Financial sector median of 9.7×.

Price to free cash flow, daily

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Annual newest first

Period Price to free cash flow Change
FY2025 9.6× (24.59%)
FY2024 12.7× 0.47%
FY2023 12.7× 21.52%
FY2022 10.4× (5.53%)
FY2021 11.0× 7.97%
FY2020 10.2× (15.50%)
FY2019 12.1× 12.40%
FY2018 10.8× (12.39%)
FY2017 12.3× (27.36%)
FY2016 16.9× 61.04%

Quarterly newest first

Period Price to free cash flow Change
Sep 2026 10.6× 1.27%
Jun 2026 10.4× 7.92%
Mar 2026 9.7× 0.78%
Dec 2025 9.6× (11.21%)
43 more quarters

Against its own ten years

Low 7.2× High 17.7×
Ten-year median 11.3×
Current reading's percentile 47

Price to free cash flow against peers

Company Price to free cash flow
CUBI Customers Bancorp, Inc compare 7.8×
BANC Banc of California, Inc. compare 7.8×
FBNC First Bancorp compare 9.4×
BANR Banner Corporation compare 10.0×
BOH Bank of Hawaii Corporation compare 10.3×
NBTB NBT Bancorp Inc. 11.2×
BBT Beacon Financial Corporation compare 11.9×
TRMK Trustmark Corporation compare 14.4×
FBK FB Financial Corporation compare 15.4×
Banks Regional industry median 10.6×
Financial sector median 9.7×
Market median 14.1×

What Price to free cash flow is

Price to Free Cash Flow Ratio shows how much investors pay for each dollar of cash a company generates after its capital spending.

Stock Price ÷ ((Operating Cash Flow (TTM) + Property, Plant, Equipment Change (Net) (TTM) + Intangible Assets Change (Net) (TTM)) ÷ (Shares (Basic, Weighted) (latest quarter)))

The full definition of Price to free cash flow →

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