NBT Bancorp Inc (NBTB) Financial Statements
Industry: National Commercial Banks
In fiscal 2025, NBT Bancorp reported revenue of $697.0M, up 20.8% from $576.9M the year before. Net income was $169.2M (a 24.3% net margin), or $3.33 per diluted share. Net interest income was $501.5M, and the efficiency ratio (noninterest expense / revenue) was 63.9%. Operating activities generated $235.2M of cash, leaving $218.9M of free cash flow. At fiscal year end, NBT Bancorp held $16.00B in total assets against $14.10B in total liabilities.
Open the full interactive NBT Bancorp financials → Quarterly statements, key ratios, valuation history and price charts.
NBT Bancorp Key Stats
| Share Price | $50.19 |
|---|---|
| Market Cap | $2.61B |
| P/E Ratio | 15.1 |
| Revenue YoY Growth | +20.8% |
| 52-Week Range | $38.30 – $53.84 |
| Shares Outstanding | 52.0 million (basic, 2026 Q2) |
NBT Bancorp Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $315.7M | $321.1M | $362.2M | $378.2M | $400.1M | $501.5M |
| Provision for Credit Losses | $51.1M | -$8.3M | $17.1M | $25.3M | $19.6M | $32.3M |
| Noninterest Income | $146.3M | $157.8M | $155.6M | $142.2M | $176.8M | $195.5M |
| Noninterest Expense | $277.7M | $287.3M | $304.5M | $341.7M | $377.9M | $445.3M |
| Revenue | $462.0M | $478.9M | $517.8M | $520.4M | $576.9M | $697.0M |
| Pre-Tax Income | $133.1M | $199.9M | $196.2M | $153.5M | $179.5M | $219.4M |
| Income Tax | $28.7M | $45.0M | $44.2M | $34.7M | $38.8M | $50.2M |
| Net Income | $104.4M | $154.9M | $152.0M | $118.8M | $140.6M | $169.2M |
| Diluted EPS | $2.37 | $3.54 | $3.52 | $2.65 | $2.97 | $3.33 |
NBT Bancorp Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $186.1M | $185.1M | $184.5M | $186.7M |
| Net Income | $54.5M | $55.5M | $51.1M | $53.0M |
| Diluted EPS | $1.03 | $1.09 | $0.98 | $1.02 |
NBT Bancorp Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $672.7M | — | — | — | — | — |
| Loans (Net) | $7.39B | — | — | — | — | — |
| Total Assets | $10.93B | $12.01B | $11.74B | $13.31B | $13.79B | $16.00B |
| Deposits | $9.08B | $10.23B | $9.50B | $10.97B | $11.55B | $13.50B |
| Total Long-Term Debt | $238.3M | $213.7M | $202.9M | $250.7M | $252.0M | $179.4M |
| Total Liabilities | $9.75B | $10.76B | $10.57B | $11.88B | $12.26B | $14.10B |
| Shareholders' Equity | $1.19B | $1.25B | $1.17B | $1.43B | $1.53B | $1.90B |
NBT Bancorp Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $142.4M | $157.6M | $183.2M | $157.5M | $188.6M | $235.2M |
| Cash From Investing | -$709.7M | -$546.1M | -$926.2M | -$44.2M | -$399.2M | $169.1M |
| Cash From Financing | $1.02B | $984.8M | -$328.7M | -$105.4M | $289.5M | -$201.2M |
| Free Cash Flow | $134.3M | $149.9M | $176.2M | $148.2M | $176.8M | $218.9M |
Figures from NBT Bancorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full NBT Bancorp financials page for every line item.
NBT Bancorp Company Profile
| Ticker | NBTB |
|---|---|
| Exchange | Nasdaq |
| Industry | National Commercial Banks |
| Headquarters | Norwich, New York |
| Incorporated in | Delaware |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0000790359 |
Frequently Asked Questions
What was NBT Bancorp's revenue in fiscal 2025?
NBT Bancorp (NBTB) reported revenue of $697.0M for fiscal 2025.
What is NBT Bancorp's annual revenue history?
NBT Bancorp's annual revenue by fiscal year: 2020: $462.0M; 2021: $478.9M; 2022: $517.8M; 2023: $520.4M; 2024: $576.9M; 2025: $697.0M.
What was NBT Bancorp's net income in fiscal 2025?
NBT Bancorp reported net income of $169.2M for fiscal 2025.
What was NBT Bancorp's earnings per share (EPS) in fiscal 2025?
NBT Bancorp's diluted EPS was $3.33 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did NBT Bancorp generate in fiscal 2025?
NBT Bancorp generated $218.9M of free cash flow in fiscal 2025.
What was NBT Bancorp's revenue last quarter?
In its most recent reported quarter (2026 Q2), NBT Bancorp reported revenue of $186.7M.
How much debt does NBT Bancorp have?
NBT Bancorp reported $179.4M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of NBT Bancorp are outstanding?
NBT Bancorp reported a weighted average of 52.0 million basic shares outstanding in 2026 Q2.
What is NBT Bancorp's market cap?
Based on its latest closing price, NBT Bancorp (NBTB) has a market capitalization of about $2.61B.
When does NBT Bancorp's fiscal year end?
NBT Bancorp's fiscal year end, as registered with the SEC, is December 31.
Where is NBT Bancorp headquartered?
NBT Bancorp lists its business address in Norwich, New York in its SEC filings.