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NBT Bancorp

(NASDAQ) NBTB

Current Price$43.15
Market Cap$2.25B
Since IPO (1990)+1,998%
5 Year+28%
1 Year+4%
1 Month+1%

NBT Bancorp Financials at a Glance

Market Cap

$2.25B

Revenue (TTM)

$902.24M

Net Income (TTM)

$169.24M

EPS (TTM)

$3.31

P/E Ratio

13.04

Dividend

$1.45

Beta (Volatility)

0.72 (Low)

Price

$43.15

Volume

5,744

Open

$42.44

Previous Close

$43.15

Daily Range

$42.22 - $43.27

52-Week Range

$37.31 - $46.92

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About NBT Bancorp

Industry

Banks

Employees

2,303

CEO

Scott Allen Kingsley, CPA

Headquarters

Norwich, NY 13815, US

NBTB Financials

Key Financial Metrics (TTM)

Gross Margin

74%

Operating Margin

24%

Net Income Margin

19%

Return on Equity

10%

Return on Capital

1%

Return on Assets

1%

Earnings Yield

7.67%

Dividend Yield

0.03%

Payout Ratio

42.90%

Stock Overview

Market Cap

$2.25B

Shares Outstanding

52.20M

Volume

5.74K

Short Interest

0.00%

Avg. Volume

230.15K

Financials (TTM)

Gross Profit

$625.73M

Operating Income

$219.44M

EBITDA

$241.03M

Operating Cash Flow

$235.22M

Capital Expenditure

$16.30M

Free Cash Flow

$218.92M

Cash & ST Invst.

$185.16M

Total Debt

$327.42M

NBT Bancorp Performance Analysis

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q4 2025YOY CHG

Revenue

$238.25M

+19.4%

Gross Profit

$181.38M

+24.5%

Gross Margin

76.13%

N/A

Market Cap

$2.25B

N/A

Market Cap/Employee

$1.08M

N/A

Employees

2,083

N/A

Net Income

$55.51M

+54.2%

EBITDA

$72.42M

+38.1%

Quarterly Fundamentals

Name
Q4 2025YOY CHG

Net Cash

$6.09M

-211.9%

Accounts Receivable

$52.00M

N/A

Inventory

$0.00

N/A

Long Term Debt

$43.18M

-82.9%

Short Term Debt

$148.07M

-9.1%

Return on Assets

1.06%

N/A

Return on Invested Capital

1.38%

N/A

Free Cash Flow

$62.12M

+36.4%

Operating Cash Flow

$66.15M

+34.5%

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Questions About NBTB

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