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Stocks · Financials · National Commercial Banks

NBT BANCORP INC

NBTB Clue Score60
United States Fiscal year ends December CIK 0000790359
$50.06 -0.93% Close, 9 Oct 2026
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Price $50.06 +35.70% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Revenue0.11Net income0.08EPS, diluted1.80Fiscal year 2017Revenue0.11 +2.1%Net income0.08 +4.8%EPS, diluted1.87Fiscal year 2018Revenue0.13 +11.1%Net income0.11 +37.0%EPS, diluted2.56Fiscal year 2019Revenue0.13 +6.7%Net income0.12 +7.5%EPS, diluted2.74Fiscal year 2020Revenue0.14 +4.8%Net income0.10 −13.7%EPS, diluted2.37Fiscal year 2021Revenue0.15 +7.2%Net income0.15 +48.4%EPS, diluted3.54Fiscal year 2022Revenue0.15 −0.2%Net income0.15 −1.9%EPS, diluted3.52Fiscal year 2023Revenue0.14 −3.9%Net income0.12 −21.9%EPS, diluted2.65Fiscal year 2024Revenue0.17 +14.5%Net income0.14 +18.4%EPS, diluted2.97Fiscal year 2025Revenue0.18 +10.4%Net income0.17 +20.3%EPS, diluted3.33
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 0.11 0.11 0.13 0.13 0.14 0.15 0.15 0.14 0.17 0.18
Growth +2.1% +11.1% +6.7% +4.8% +7.2% −0.2% −3.9% +14.5% +10.4%
Net income 0.08 0.08 0.11 0.12 0.10 0.15 0.15 0.12 0.14 0.17
Growth +4.8% +37.0% +7.5% −13.7% +48.4% −1.9% −21.9% +18.4% +20.3%
EPS, diluted 1.80 1.87 2.56 2.74 2.37 3.54 3.52 2.65 2.97 3.33

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Net margin70.5%Free cash flow margin96.5%Fiscal year 2017Net margin72.4%Free cash flow margin114.8%Fiscal year 2018Net margin89.3%Free cash flow margin111.4%Fiscal year 2019Net margin90.0%Free cash flow margin109.2%Fiscal year 2020Net margin74.1%Free cash flow margin97.3%Fiscal year 2021Net margin102.6%Free cash flow margin100.3%Fiscal year 2022Net margin100.9%Free cash flow margin117.0%Fiscal year 2023Net margin82.1%Free cash flow margin102.4%Fiscal year 2024Net margin84.9%Free cash flow margin106.7%Fiscal year 2025Net margin92.5%Free cash flow margin119.7%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin 70.5% 72.4% 89.3% 90.0% 74.1% 102.6% 100.9% 82.1% 84.9% 92.5%
Free cash flow margin 96.5% 114.8% 111.4% 109.2% 97.3% 100.3% 117.0% 102.4% 106.7% 119.7%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow0.11Capital expenditure−0.00Free cash flow0.11Buybacks−0.02Dividends paid−0.04Fiscal year 2017Operating cash flow0.14Capital expenditure−0.01Free cash flow0.13 +21.4%Buybacks0.00Dividends paid−0.04Fiscal year 2018Operating cash flow0.15Capital expenditure−0.01Free cash flow0.14 +7.8%Buybacks0.00Dividends paid−0.04Fiscal year 2019Operating cash flow0.15Capital expenditure−0.01Free cash flow0.15 +4.6%Buybacks0.00Dividends paid−0.05Fiscal year 2020Operating cash flow0.15Capital expenditure−0.01Free cash flow0.14 −6.6%Buybacks−0.01Dividends paid−0.05Fiscal year 2021Operating cash flow0.16Capital expenditure−0.01Free cash flow0.15 +10.5%Buybacks−0.02Dividends paid−0.05Fiscal year 2022Operating cash flow0.18Capital expenditure−0.01Free cash flow0.18 +16.4%Buybacks−0.01Dividends paid−0.05Fiscal year 2023Operating cash flow0.16Capital expenditure−0.01Free cash flow0.15 −15.9%Buybacks−0.00Dividends paid−0.06Fiscal year 2024Operating cash flow0.19Capital expenditure−0.01Free cash flow0.18 +19.3%Buybacks−0.00Dividends paid−0.06Fiscal year 2025Operating cash flow0.24Capital expenditure−0.02Free cash flow0.22 +23.8%Buybacks−0.01Dividends paid−0.07
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 0.11 0.14 0.15 0.15 0.15 0.16 0.18 0.16 0.19 0.24
Capital expenditure −0.00 −0.01 −0.01 −0.01 −0.01 −0.01 −0.01 −0.01 −0.01 −0.02
Free cash flow 0.11 0.13 0.14 0.15 0.14 0.15 0.18 0.15 0.18 0.22
Growth +21.4% +7.8% +4.6% −6.6% +10.5% +16.4% −15.9% +19.3% +23.8%
Buybacks −0.02 0.00 0.00 0.00 −0.01 −0.02 −0.01 −0.00 −0.00 −0.01
Dividends paid −0.04 −0.04 −0.04 −0.05 −0.05 −0.05 −0.05 −0.06 −0.06 −0.07

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash0.15Total debt0.10Net cash (debt)0.05Shareholders’ equity0.91Debt to equity0.11Fiscal year 2017Cash0.16Total debt0.09Net cash (debt)0.07Shareholders’ equity0.96Debt to equity0.09Fiscal year 2018Cash0.18Total debt0.07Net cash (debt)0.11Shareholders’ equity1.02Debt to equity0.07Fiscal year 2019Cash0.22Shareholders’ equity1.12Fiscal year 2020Cash0.67Shareholders’ equity1.19Fiscal year 2021Cash1.27Shareholders’ equity1.25Fiscal year 2022Cash0.20Shareholders’ equity1.17Fiscal year 2023Cash0.21Shareholders’ equity1.43Fiscal year 2024Cash0.28Shareholders’ equity1.53Fiscal year 2025Cash0.49Shareholders’ equity1.90
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 0.15 0.16 0.18 0.22 0.67 1.27 0.20 0.21 0.28 0.49
Total debt 0.10 0.09 0.07 n/a n/a n/a n/a n/a n/a n/a
Net cash (debt) 0.05 0.07 0.11 n/a n/a n/a n/a n/a n/a n/a
Shareholders’ equity 0.91 0.96 1.02 1.12 1.19 1.25 1.17 1.43 1.53 1.90
Debt to equity 0.11 0.09 0.07 n/a n/a n/a n/a n/a n/a n/a

In billions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
106.9% 113.0% 108.7% 115.6% 94.4% 132.3% 130.2% 106.0% 108.3% 119.9%
70.5% 72.4% 89.3% 90.0% 74.1% 102.6% 100.9% 82.1% 84.9% 92.5%
96.5% 114.8% 111.4% 109.2% 97.3% 100.3% 117.0% 102.4% 106.7% 119.7%
Spending
3.0% 5.9% 5.9% 4.9% 5.8% 5.1% 4.7% 6.4% 7.1% 8.9%
34.0% 35.9% 17.8% 22.1% 21.6% 22.5% 22.5% 22.6% 21.6% 22.9%
Returns
8.6% 8.6% 11.1% 10.8% 8.8% 12.4% 13.0% 8.3% 9.2% 8.9%
0.9% 0.9% 1.2% 1.2% 1.0% 1.3% 1.3% 0.9% 1.0% 1.1%
Balance and payout
0.11 0.09 0.07 n/a n/a n/a n/a n/a n/a n/a
89.7% 89.5% 89.3% 88.5% 89.1% 89.6% 90.0% 89.3% 88.9% 88.1%
49.6% 48.8% 38.4% 38.0% 45.2% 30.8% 32.7% 47.0% 44.3% 42.9%
52.3% 30.8% 30.8% 31.3% 40.2% 45.9% 36.6% 41.0% 35.4% 37.8%