NBT Financial Statements From 2010 to 2025

Stocks . USA . 
Stock . NBT Bancorp
NBTB Stock  USD 43.26  0.41  0.94%   
NBT Bancorp financial statements provide useful quarterly and yearly information to potential NBT Bancorp investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on NBT Bancorp financial statements helps investors assess NBT Bancorp's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting NBT Bancorp's valuation are summarized below:
Gross Profit
557.3 M
Profit Margin
0.2523
Market Capitalization
2 B
Enterprise Value Revenue
4.0277
Revenue
557.3 M
We have found one hundred twenty available fundamental ratios for NBT Bancorp, which can be analyzed and compared to other ratios and to its peers in the industry. All investors should make sure to check all of NBT Bancorp last-minute market performance against the performance between 2010 and 2025 to make sure the company can sustain itself next year. The current year's Market Cap is expected to grow to about 1.8 B. The current year's Enterprise Value is expected to grow to about 2.1 B

NBT Bancorp Total Revenue

642.25 Million

Check NBT Bancorp financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among NBT Bancorp's main balance sheet or income statement drivers, such as Depreciation And Amortization of 26.9 M, Interest Expense of 222.1 M or Selling General Administrative of 99.8 M, as well as many indicators such as Price To Sales Ratio of 2.66, Dividend Yield of 0.0344 or PTB Ratio of 1.8. NBT financial statements analysis is a perfect complement when working with NBT Bancorp Valuation or Volatility modules.
  
Check out the analysis of NBT Bancorp Correlation against competitors.
For information on how to trade NBT Stock refer to our How to Trade NBT Stock guide.

NBT Bancorp Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Total Assets14.5 B13.8 B9.4 B
Slightly volatile
Short and Long Term Debt Total183 M192.6 M588.5 M
Pretty Stable
Total Stockholder Equity1.6 B1.5 B996.7 M
Slightly volatile
Property Plant And Equipment Net64.3 M80.8 M76.5 M
Pretty Stable
Retained Earnings1.2 B1.1 B637.1 M
Slightly volatile
Cash190.4 M205.1 M265.5 M
Slightly volatile
Non Current Assets Total455.9 M479.9 M2.5 B
Slightly volatile
Other Assets6.6 B11.5 B7.7 B
Very volatile
Cash And Short Term Investments1.9 B1.8 B1.4 B
Slightly volatile
Common Stock Shares Outstanding34.9 M47.5 M40.3 M
Slightly volatile
Liabilities And Stockholders Equity14.5 B13.8 B9.4 B
Slightly volatile
Non Current Liabilities Total12.7 B12.1 B2.5 B
Slightly volatile
Other Stockholder Equity595.9 M567.5 M411.6 M
Slightly volatile
Total Liabilities12.9 B12.3 B8.4 B
Slightly volatile
Property Plant And Equipment Gross265.9 M253.3 M122.9 M
Slightly volatile
Total Current Assets3.3 B1.8 B3.8 B
Slightly volatile
Total Current Liabilities154.8 M162.9 M662.3 M
Slightly volatile
Short Term Debt313.1 M162.9 M378 M
Very volatile
Other Current Assets270.8 M285.1 M2.6 B
Slightly volatile
Common Stock Total Equity772 K447.3 K1.3 M
Slightly volatile
Common Stock745.8 K486 K1.3 M
Slightly volatile
Other Liabilities96.3 M159.9 M115.5 M
Slightly volatile
Accounts Payable5.9 B10.9 B7.1 B
Slightly volatile
Long Term Debt248.7 M252 M250.8 M
Slightly volatile
Short Term Investments1.1 B1.6 B1.2 B
Slightly volatile
Inventory114.7 K120.8 K2 M
Slightly volatile
Intangible Assets38.2 M36.4 M20.4 M
Pretty Stable
Property Plant Equipment78.5 M79.4 M76.5 M
Very volatile
Good Will213.6 M362.7 M249.3 M
Slightly volatile
Net Tangible Assets732.6 M1 B700.5 M
Slightly volatile
Long Term Debt Total204.4 M178.3 M242.5 M
Slightly volatile
Capital Surpluse565.2 M664.5 M534.4 M
Slightly volatile
Long Term Investments4 B2.5 B5.1 B
Pretty Stable
Non Current Liabilities Other346.2 M329.7 M176 M
Slightly volatile
Short and Long Term Debt15.2 M16 M259.7 M
Pretty Stable
Earning Assets2 B2 B1.8 B
Slightly volatile
Net Invested Capital1.2 B1.8 B1.7 B
Slightly volatile
Capital Stock560.2 K621 K511.4 K
Slightly volatile
Net Receivables8.5 B9.3 B7.7 B
Slightly volatile

NBT Bancorp Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization26.9 M25.6 M11 M
Slightly volatile
Interest Expense222.1 M211.5 M61.4 M
Slightly volatile
Selling General Administrative99.8 M75.7 M145.7 M
Slightly volatile
Total Revenue642.3 M611.7 M407.8 M
Slightly volatile
Gross Profit642.3 M611.7 M407.8 M
Slightly volatile
Other Operating Expenses134.2 M79.1 M203.9 M
Pretty Stable
Operating Income559.2 M532.6 M181.8 M
Slightly volatile
EBIT185.3 M176.5 M132.3 M
Slightly volatile
EBITDA212.2 M202.1 M143.3 M
Slightly volatile
Income Before Tax188.4 M179.5 M129.7 M
Slightly volatile
Net Income147.7 M140.6 M96.6 M
Slightly volatile
Income Tax Expense24.2 M38.8 M32.1 M
Slightly volatile
Cost Of Revenue59.9 K63 K29.5 M
Slightly volatile
Net Income Applicable To Common Shares183.5 M174.8 M103 M
Slightly volatile
Selling And Marketing Expenses2.3 M3.4 M2.9 M
Slightly volatile
Net Income From Continuing Ops106.6 M140.6 M97.5 M
Slightly volatile
Tax Provision41.6 M38.8 M38.8 M
Very volatile
Net Interest Income351.5 M400.1 M300.6 M
Slightly volatile
Interest Income412.1 M611.7 M345.3 M
Slightly volatile
Reconciled Depreciation16.5 M27.5 M14.2 M
Pretty Stable

NBT Bancorp Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow198 M188.6 M124.9 M
Slightly volatile
Begin Period Cash Flow187.9 M205.2 M263.1 M
Slightly volatile
Depreciation11 M20 M14.7 M
Slightly volatile
Dividends Paid65.4 M62.3 M41.4 M
Slightly volatile
Capital Expenditures6.2 M11.7 M7.2 M
Slightly volatile
Total Cash From Operating Activities198 M188.6 M131 M
Slightly volatile
Net Income147.7 M140.6 M96.6 M
Slightly volatile
End Period Cash Flow205.2 M284.1 M270.2 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio2.663.71833.3196
Slightly volatile
Dividend Yield0.03440.02740.0304
Slightly volatile
PTB Ratio1.81.49031.4329
Slightly volatile
Book Value Per Share33.6532.047523.282
Slightly volatile
Free Cash Flow Yield0.110.08290.0968
Slightly volatile
Operating Cash Flow Per Share4.163.95973.0944
Slightly volatile
Capex To Depreciation0.410.370.4987
Slightly volatile
PB Ratio1.81.49031.4329
Slightly volatile
EV To Sales3.823.69794.2023
Very volatile
Free Cash Flow Per Share4.163.95972.9411
Slightly volatile
ROIC0.190.18470.0389
Slightly volatile
Net Income Per Share3.12.95332.2558
Slightly volatile
Sales General And Administrative To Revenue0.120.12380.3704
Slightly volatile
Capex To Revenue0.03030.02170.021
Slightly volatile
Cash Per Share19.3937.37334.1692
Slightly volatile
POCF Ratio8.7412.061410.412
Slightly volatile
Interest Coverage1.812.51754.1156
Pretty Stable
Payout Ratio0.70.44270.4581
Very volatile
Capex To Operating Cash Flow0.10.06760.0662
Slightly volatile
PFCF Ratio13.7912.061411.3215
Slightly volatile
Income Quality2.211.34081.5155
Slightly volatile
ROE0.080.09220.095
Pretty Stable
EV To Operating Cash Flow17.0711.995213.4822
Very volatile
PE Ratio21.3816.171615.3516
Pretty Stable
Return On Tangible Assets0.00810.01050.0103
Slightly volatile
EV To Free Cash Flow19.4211.995214.3894
Very volatile
Earnings Yield0.05260.06180.0686
Pretty Stable
Intangibles To Total Assets0.01690.02890.0289
Slightly volatile
Current Ratio9.5210.922612.0493
Slightly volatile
Tangible Book Value Per Share24.8523.668416.813
Slightly volatile
Graham Number48.4546.14734.2726
Slightly volatile
Shareholders Equity Per Share33.6532.047523.282
Slightly volatile
Debt To Equity0.120.12620.6349
Slightly volatile
Capex Per Share0.140.190.174
Pretty Stable
Revenue Per Share13.4912.84459.6217
Slightly volatile
Interest Debt Per Share13.518.486415.7321
Pretty Stable
Debt To Assets0.01330.0140.0664
Slightly volatile
Short Term Coverage Ratios1.221.15730.5301
Slightly volatile
Price Earnings Ratio21.3816.171615.3516
Pretty Stable
Price Book Value Ratio1.81.49031.4329
Slightly volatile
Dividend Payout Ratio0.70.44270.4581
Very volatile
Price To Operating Cash Flows Ratio8.7412.061410.412
Slightly volatile
Price To Free Cash Flows Ratio13.7912.061411.3215
Slightly volatile
Pretax Profit Margin0.240.29340.3065
Slightly volatile
Ebt Per Ebit0.320.3370.7522
Slightly volatile
Operating Profit Margin0.910.87070.399
Slightly volatile
Effective Tax Rate0.330.21630.2744
Slightly volatile
Company Equity Multiplier11.689.03379.6417
Very volatile
Long Term Debt To Capitalization0.01810.01910.1855
Slightly volatile
Total Debt To Capitalization0.110.11210.3546
Slightly volatile
Return On Capital Employed0.0410.03910.0189
Slightly volatile
Debt Equity Ratio0.120.12620.6349
Slightly volatile
Ebit Per Revenue0.910.87070.399
Slightly volatile
Quick Ratio9.5210.922612.0493
Slightly volatile
Dividend Paid And Capex Coverage Ratio2.933.02862.7899
Very volatile
Net Income Per E B T0.560.78370.7187
Pretty Stable
Cash Ratio0.81.25861.5366
Pretty Stable
Operating Cash Flow Sales Ratio0.360.30830.3252
Pretty Stable
Free Cash Flow Operating Cash Flow Ratio0.720.850.9174
Pretty Stable
Cash Flow Coverage Ratios1.030.97910.4926
Pretty Stable
Price To Book Ratio1.81.49031.4329
Slightly volatile
Fixed Asset Turnover7.947.56645.2082
Slightly volatile
Capital Expenditure Coverage Ratio13.3115.3117.679
Slightly volatile
Price Cash Flow Ratio8.7412.061410.412
Slightly volatile
Debt Ratio0.01330.0140.0664
Slightly volatile
Cash Flow To Debt Ratio1.030.97910.4926
Pretty Stable
Price Sales Ratio2.663.71833.3196
Slightly volatile
Return On Assets0.00790.01020.01
Slightly volatile
Asset Turnover0.05160.04440.0453
Slightly volatile
Net Profit Margin0.170.22990.224
Slightly volatile
Price Fair Value1.81.49031.4329
Slightly volatile
Return On Equity0.080.09220.095
Pretty Stable

NBT Bancorp Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap1.8 B1.7 B1.4 B
Slightly volatile
Enterprise Value2.1 B2 B1.6 B
Slightly volatile

NBT Fundamental Market Drivers

Forward Price Earnings13.4048
Cash And Short Term Investments1.8 B

NBT Upcoming Events

22nd of April 2024
Upcoming Quarterly Report
View
29th of July 2024
Next Financial Report
View
31st of March 2024
Next Fiscal Quarter End
View
28th of January 2025
Next Fiscal Year End
View
31st of December 2023
Last Quarter Report
View
31st of December 2023
Last Financial Announcement
View

About NBT Bancorp Financial Statements

NBT Bancorp stakeholders use historical fundamental indicators, such as NBT Bancorp's revenue or net income, to determine how well the company is positioned to perform in the future. Although NBT Bancorp investors may analyze each financial statement separately, they are all interrelated. For example, changes in NBT Bancorp's assets and liabilities are reflected in the revenues and expenses on NBT Bancorp's income statement, which ultimately affect the company's gains or losses. Understanding these patterns can help in making the right long-term investment decisions in NBT Bancorp. Please read more on our technical analysis and fundamental analysis pages.
Last ReportedProjected for Next Year
Total Revenue611.7 M642.3 M
Cost Of Revenue63 K59.9 K
Sales General And Administrative To Revenue 0.12  0.12 
Capex To Revenue 0.02  0.03 
Revenue Per Share 12.84  13.49 
Ebit Per Revenue 0.87  0.91 

Also Currently Popular

Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.
VVisa Class A
CRMSalesforce
CRMSalesforce
When determining whether NBT Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of NBT Bancorp's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Nbt Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Nbt Bancorp Stock:
How To Invest In NBT
Details
Is NBT Stock a good investment?
Details
What is NBT Bancorp's Net Worth?
Details
Largest Regional Banks Companies
View
Largest Banks - Regional Companies
View
Check out the analysis of NBT Bancorp Correlation against competitors.
For information on how to trade NBT Stock refer to our How to Trade NBT Stock guide.
You can also try the Competition Analyzer module to analyze and compare many basic indicators for a group of related or unrelated entities.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of NBT Bancorp. If investors know NBT will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about NBT Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.184
Dividend Share
1.32
Earnings Share
2.97
Revenue Per Share
11.817
Quarterly Revenue Growth
0.145
The market value of NBT Bancorp is measured differently than its book value, which is the value of NBT that is recorded on the company's balance sheet. Investors also form their own opinion of NBT Bancorp's value that differs from its market value or its book value, called intrinsic value, which is NBT Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because NBT Bancorp's market value can be influenced by many factors that don't directly affect NBT Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Altman
Z Score
Details
Piotroski
F Score
Details
Beneish
M Score
Details
Financial
Analysis
Details
Buy or Sell
Advice
Details
Earnings
Projections
Details
Please note, there is a significant difference between NBT Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if NBT Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, NBT Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
Macroaxis helps investors of all levels and skills to maximize the upside of all their holdings and minimize the risk associated with market volatility, economic swings, and company-specific events. View terms and conditions
 
Feedback Blog
Made with optimal in San Francisco
2024 Macroaxis LLC
COMMON DESTINATIONS
MAIN CATEGORIES
COMPANY