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NBT Bancorp (NBTB) Financials

NBT Bancorp logo
$42.78 +0.42 (+0.99%)
As of 11:47 AM Eastern
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Annual Income Statements for NBT Bancorp

Annual Income Statements for NBT Bancorp

This table shows NBT Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Net Income / (Loss) Attributable to Common Shareholders
75 76 78 82 113 121 104 155 152 119 141
Consolidated Net Income / (Loss)
75 76 78 82 113 121 104 155 152 119 141
Net Income / (Loss) Continuing Operations
75 76 78 82 113 121 104 155 152 119 141
Total Pre-Tax Income
112 117 119 128 137 155 133 200 196 153 179
Total Revenue
378 371 380 405 430 456 462 479 518 520 577
Net Interest Income / (Expense)
252 253 264 283 306 312 316 321 362 378 400
Total Interest Income
275 273 287 309 344 368 348 340 384 523 612
Loans and Leases Interest Income
243 242 251 267 301 321 308 302 333 463 553
Investment Securities Interest Income
30 30 34 39 40 42 38 36 47 50 52
Other Interest Income
2.03 1.75 2.07 2.81 3.27 3.65 2.71 1.85 4.07 9.63 7.08
Total Interest Expense
23 21 23 26 39 56 33 19 22 145 212
Deposits Interest Expense
14 14 14 14 22 40 22 11 9.92 105 187
Short-Term Borrowings Interest Expense
0.85 0.78 2.31 6.00 11 9.69 3.41 0.16 2.62 26 8.67
Long-Term Debt Interest Expense
8.72 5.58 5.83 5.44 5.93 6.30 7.13 7.92 9.33 14 16
Total Non-Interest Income
126 118 116 121 125 144 146 158 156 142 177
Trust Fees by Commissions
19 19 19 20 29 28 29 34 33 35 42
Service Charges on Deposit Accounts
18 17 17 17 17 17 13 27 29 31 34
Other Service Charges
64 71 76 77 65 73 84 90 88 79 90
Net Realized & Unrealized Capital Gains on Investments
19 7.27 -0.64 2.69 -6.34 4.21 -0.39 0.57 -1.13 -9.32 2.79
Other Non-Interest Income
5.35 4.33 5.20 5.18 20 21 21 6.22 6.04 6.75 8.33
Provision for Credit Losses
20 18 25 31 29 25 51 -8.26 17 25 20
Total Non-Interest Expense
246 236 236 246 265 275 278 287 304 342 378
Salaries and Employee Benefits
120 126 132 135 152 157 162 173 188 194 232
Net Occupancy & Equipment Expense
51 52 52 54 35 60 58 61 62 67 70
Marketing Expense
2.83 2.65 2.56 2.74 2.78 2.77 2.29 2.52 2.82 3.05 3.39
Property & Liability Insurance Claims
4.94 5.15 5.11 4.77 4.65 1.95 2.69 3.04 3.20 6.26 6.77
Other Operating Expenses
63 46 41 45 67 50 49 46 45 57 55
Amortization Expense
5.05 4.86 3.93 3.96 4.04 3.58 3.40 2.81 2.26 4.73 8.44
Restructuring Charge
- - - - - - 0.00 0.00 0.97 9.98 1.53
Income Tax Expense
37 40 40 46 24 34 29 45 44 35 39
Basic Earnings per Share
$1.71 $1.74 $1.81 $1.89 $2.58 $2.76 $2.39 $3.57 $3.54 $2.67 $2.98
Weighted Average Basic Shares Outstanding
43.88M 43.90M 43.30M 43.50M 43.60M 43.84M 43.58M 43.17M 42.90M 47.15M 47.25M
Diluted Earnings per Share
$1.69 $1.72 $1.80 $1.87 $2.56 $2.74 $2.37 $3.54 $3.52 $2.65 $2.97
Weighted Average Diluted Shares Outstanding
43.88M 43.90M 43.30M 43.50M 43.60M 43.84M 43.58M 43.17M 42.90M 47.15M 47.25M
Weighted Average Basic & Diluted Shares Outstanding
43.88M 43.90M 43.30M 43.50M 43.60M 43.84M 43.58M 43.17M 42.90M 47.15M 47.25M
Cash Dividends to Common per Share
- - - $0.92 $0.99 $1.05 $1.08 $1.10 $1.16 $1.24 $1.32

Quarterly Income Statements for NBT Bancorp

This table shows NBT Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Income / (Loss) Attributable to Common Shareholders
39 36 34 30 25 30 34 33 38 36
Consolidated Net Income / (Loss)
39 36 34 30 25 30 34 33 38 36
Net Income / (Loss) Continuing Operations
39 36 34 30 25 30 34 33 38 36
Total Pre-Tax Income
50 47 43 39 32 40 43 42 49 46
Total Revenue
132 134 126 121 135 138 141 140 147 149
Net Interest Income / (Expense)
94 100 95 89 95 99 95 97 102 106
Total Interest Income
99 109 114 121 137 151 147 151 156 158
Loans and Leases Interest Income
85 96 101 107 122 133 133 137 142 141
Investment Securities Interest Income
13 13 13 12 13 13 12 13 13 14
Other Interest Income
1.43 0.67 0.64 1.17 2.22 5.59 1.36 1.41 1.38 2.93
Total Interest Expense
4.74 9.39 19 32 42 52 52 54 55 52
Deposits Interest Expense
2.23 4.09 11 20 31 43 44 47 49 47
Short-Term Borrowings Interest Expense
0.08 2.51 4.92 8.13 7.61 4.95 3.42 2.90 1.43 0.92
Long-Term Debt Interest Expense
2.42 2.79 3.06 3.39 3.83 4.04 4.00 4.01 4.02 3.90
Total Non-Interest Income
37 34 31 32 40 38 45 43 46 42
Trust Fees by Commissions
8.40 8.02 8.09 8.23 9.30 9.15 9.70 10 11 11
Service Charges on Deposit Accounts
7.47 7.04 7.48 7.45 3.98 12 8.51 8.07 9.25 8.29
Other Service Charges
20 18 19 19 21 19 23 23 23 21
Net Realized & Unrealized Capital Gains on Investments
-0.15 -0.22 -5.00 -4.64 -0.18 0.51 2.18 -0.09 0.48 0.22
Other Non-Interest Income
1.56 1.42 1.88 1.53 5.93 -2.59 2.35 1.83 1.87 2.27
Provision for Credit Losses
4.48 7.68 3.91 3.61 13 5.13 5.58 8.90 2.92 2.21
Total Non-Interest Expense
77 80 79 79 91 93 92 90 96 101
Salaries and Employee Benefits
48 47 48 47 49 50 56 55 60 62
Net Occupancy & Equipment Expense
16 16 16 16 17 17 18 17 18 18
Marketing Expense
0.56 0.88 0.65 0.53 0.67 1.21 0.81 0.87 0.71 0.99
Property & Liability Insurance Claims
0.79 0.80 1.40 1.34 1.66 1.86 1.74 1.67 1.82 1.55
Other Operating Expenses
11 13 12 12 13 20 14 13 13 15
Amortization Expense
0.54 0.54 0.54 0.46 1.61 2.13 2.17 2.13 2.06 2.08
Restructuring Charge
0.00 0.97 0.62 1.19 7.92 0.25 0.00 0.00 0.54 0.99
Income Tax Expense
11 11 9.59 8.66 7.10 9.34 9.39 9.20 11 9.54
Basic Earnings per Share
$0.91 $0.84 $0.78 $0.70 $0.54 $0.65 $0.72 $0.69 $0.81 $0.76
Weighted Average Basic Shares Outstanding
42.84M 42.90M 42.90M 42.76M 47.09M 47.15M 47.15M 47.17M 47.18M 47.25M
Diluted Earnings per Share
$0.90 $0.84 $0.78 $0.70 $0.54 $0.63 $0.71 $0.69 $0.80 $0.77
Weighted Average Diluted Shares Outstanding
42.84M 42.90M 42.90M 42.76M 47.09M 47.15M 47.15M 47.17M 47.18M 47.25M
Weighted Average Basic & Diluted Shares Outstanding
42.84M 42.90M 42.90M 42.76M 47.09M 47.15M 47.15M 47.17M 47.18M 47.25M

Annual Cash Flow Statements for NBT Bancorp

This table details how cash moves in and out of NBT Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Net Change in Cash & Equivalents
-12 -6.34 8.88 10 21 36 456 596 -1,072 7.84 79
Net Cash From Operating Activities
88 125 111 137 148 153 145 159 183 157 189
Net Cash From Continuing Operating Activities
88 125 111 137 148 153 145 159 183 157 189
Net Income / (Loss) Continuing Operations
75 76 78 82 113 121 104 155 152 119 141
Consolidated Net Income / (Loss)
75 76 78 82 113 121 104 155 152 119 141
Provision For Loan Losses
20 18 25 31 29 25 51 -8.26 17 25 20
Depreciation Expense
8.32 8.65 9.02 9.06 9.28 9.50 9.77 9.90 10 11 12
Amortization Expense
8.26 7.42 9.21 8.75 8.05 14 15 16 13 15 19
Non-Cash Adjustments to Reconcile Net Income
-9.07 -6.90 -3.28 -1.44 -1.40 -9.89 12 -1.61 -21 16 -2.86
Changes in Operating Assets and Liabilities, net
-14 21 -8.22 7.40 -9.55 -6.77 -47 -12 12 -28 0.75
Net Cash From Investing Activities
-144 -504 -630 -305 -418 -64 -713 -548 -926 -44 -399
Net Cash From Continuing Investing Activities
-144 -504 -630 -305 -418 -64 -713 -548 -926 -44 -399
Purchase of Investment Securities
-533 -968 -1,321 -724 -1,133 -777 -1,361 -1,134 -1,356 -482 -790
Sale and/or Maturity of Investments
389 464 691 668 715 713 648 586 430 438 391
Net Cash From Financing Activities
44 373 528 179 291 -53 1,023 985 -329 -105 289
Net Cash From Continuing Financing Activities
44 373 528 179 291 -53 1,023 985 -329 -105 289
Net Change in Deposits
409 305 369 197 198 220 1,494 1,153 -739 164 578
Issuance of Debt
120 126 263 62 178 -206 100 0.00 489 25 0.00
Issuance of Common Equity
6.26 9.36 6.03 3.31 1.30 0.73 0.18 0.11 0.00 0.09 0.06
Repayment of Debt
-455 -0.50 -50 -40 -40 -20 -514 -96 -13 -232 -224
Repurchase of Common Equity
-0.07 -27 -17 - 0.00 0.00 -7.98 -22 -15 -4.94 -0.25
Payment of Dividends
-37 -38 -39 -40 -43 -46 -47 -48 -50 -56 -62
Other Financing Activities, Net
- -1.66 -3.39 -3.58 -1.89 -1.62 -1.54 -2.93 -1.75 -1.88 -1.99
Cash Interest Paid
23 21 22 26 37 56 32 20 21 130 215
Cash Income Taxes Paid
39 29 41 34 32 28 46 46 63 28 23

Quarterly Cash Flow Statements for NBT Bancorp

This table details how cash moves in and out of NBT Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Change in Cash & Equivalents
-203 -124 32 -28 471 -467 114 -112 275 -198
Net Cash From Operating Activities
49 30 22 45 55 36 37 51 52 49
Net Cash From Continuing Operating Activities
49 30 22 45 55 36 37 51 52 49
Net Income / (Loss) Continuing Operations
39 36 34 30 25 30 34 33 38 36
Consolidated Net Income / (Loss)
39 36 34 30 25 30 34 33 38 36
Provision For Loan Losses
4.48 7.68 3.91 3.61 13 5.13 5.58 8.90 2.92 2.21
Depreciation Expense
2.58 2.57 2.58 2.57 2.66 2.89 2.86 2.87 2.89 2.92
Amortization Expense
3.11 3.03 2.98 2.90 4.14 4.73 4.80 4.75 4.68 4.68
Non-Cash Adjustments to Reconcile Net Income
-0.71 -21 5.49 2.83 -2.77 10 -1.99 0.23 -2.02 0.93
Changes in Operating Assets and Liabilities, net
0.99 1.46 -27 3.36 13 -18 -8.32 1.06 5.57 2.44
Net Cash From Investing Activities
-141 -227 -76 -83 67 48 -13 -180 -58 -148
Net Cash From Continuing Investing Activities
-141 -227 -76 -83 67 48 -13 -180 -58 -148
Purchase of Investment Securities
-237 -316 -164 -177 -136 -4.65 -90 -298 -160 -242
Sale and/or Maturity of Investments
96 89 89 94 202 53 77 117 102 95
Net Cash From Financing Activities
-111 74 86 10 350 -551 90 18 281 -100
Net Cash From Continuing Financing Activities
-111 74 86 10 350 -551 90 18 281 -100
Net Change in Deposits
-110 -423 185 -151 563 -432 226 76 317 -42
Repayment of Debt
-23 21 -110 110 -128 -104 -120 -42 -20 -42
Payment of Dividends
-13 -13 -13 -13 -15 -15 -15 -15 -16 -16
Other Financing Activities, Net
-0.06 -0.41 -1.43 -0.06 -0.11 -0.28 -1.30 -0.08 -0.24 -0.37
Cash Interest Paid
6.00 6.15 17 24 37 52 55 53 55 52
Cash Income Taxes Paid
18 21 15 6.25 5.35 0.97 3.50 5.71 7.90 6.20

Annual Balance Sheets for NBT Bancorp

This table presents NBT Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Total Assets
7,807 8,263 8,867 9,137 9,556 9,716 10,933 12,012 11,739 13,309 13,787
Cash and Due from Banks
140 131 148 157 176 171 160 158 166 174 205
Interest Bearing Deposits at Other Banks
7.00 9.70 1.39 2.81 5.41 46 513 1,111 31 31 79
Trading Account Securities
1,475 1,654 1,875 1,751 1,805 1,633 1,996 1,688 2,478 2,377 2,470
Loans and Leases, Net of Allowance
5,529 5,820 6,133 6,514 6,815 7,063 -110 7,406 -101 -114 -116
Allowance for Loan and Lease Losses
66 63 65 70 73 73 110 92 101 114 116
Premises and Equipment, Net
89 89 84 81 79 76 74 72 69 81 81
Goodwill
264 266 265 268 275 275 281 281 281 362 363
Intangible Assets
20 17 16 13 16 12 12 8.93 7.34 40 36
Other Assets
283 276 344 348 379 429 8,007 1,228 8,807 10,358 10,669
Total Liabilities & Shareholders' Equity
7,807 8,263 8,867 9,137 9,556 9,716 10,933 2,225 11,739 13,309 13,787
Total Liabilities
6,943 7,381 7,954 8,179 8,538 8,596 9,745 10,762 10,566 11,883 12,261
Non-Interest Bearing Deposits
1,839 1,998 2,196 2,287 2,361 2,414 3,241 - 3,617 3,414 3,446
Interest Bearing Deposits
4,461 4,607 4,778 4,884 5,007 5,173 5,841 501 5,879 7,555 8,101
Short-Term Debt
317 442 682 719 872 655 168 98 585 387 163
Long-Term Debt
232 232 205 190 175 165 238 - 203 251 252
Other Long-Term Liabilities
95 102 93 99 124 187 257 216 282 277 299
Total Equity & Noncontrolling Interests
864 882 913 958 1,018 1,120 1,188 1,410 1,174 1,426 1,526
Total Preferred & Common Equity
864 882 913 958 1,018 1,120 1,188 1,250 1,174 1,426 1,526
Preferred Stock
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity
864 882 913 958 1,018 1,120 1,188 1,410 1,174 1,426 1,526
Common Stock
577 577 576 575 576 577 579 577 578 741 743
Retained Earnings
424 462 502 544 621 696 749 856 958 1,022 1,100
Treasury Stock
-120 -135 -143 -138 -136 -134 -140 - -173 -177 -175
Accumulated Other Comprehensive Income / (Loss)
-17 -22 -22 -22 -43 -19 0.42 -23 -190 -161 -142

Quarterly Balance Sheets for NBT Bancorp

This table presents NBT Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024
Total Assets
11,641 11,840 11,890 13,828 13,439 13,502 13,840
Cash and Due from Banks
224 162 170 213 162 172 251
Interest Bearing Deposits at Other Banks
97 68 32 459 157 35 232
Trading Account Securities
2,517 2,452 2,403 2,353 2,352 2,362 2,410
Loans and Leases, Net of Allowance
-97 -100 -100 -115 -115 -121 -120
Allowance for Loan and Lease Losses
97 100 100 115 115 121 120
Premises and Equipment, Net
69 68 67 83 80 79 80
Goodwill
281 281 281 360 362 362 362
Intangible Assets
7.88 6.96 6.50 43 39 37 36
Other Assets
8,542 8,902 9,032 10,431 10,402 10,576 10,589
Total Liabilities & Shareholders' Equity
11,641 11,840 11,890 13,828 13,439 13,502 13,840
Total Liabilities
10,484 10,628 10,680 12,465 11,998 12,040 12,318
Non-Interest Bearing Deposits
3,714 3,429 3,327 3,716 3,360 3,334 3,476
Interest Bearing Deposits
6,204 6,252 6,203 7,685 7,836 7,938 8,112
Short-Term Debt
75 475 652 490 267 225 205
Long-Term Debt
203 228 228 250 251 251 252
Other Long-Term Liabilities
288 244 270 323 284 292 273
Total Equity & Noncontrolling Interests
1,157 1,212 1,210 1,363 1,441 1,462 1,522
Total Preferred & Common Equity
1,157 1,212 1,210 1,363 1,441 1,462 1,522
Preferred Stock
0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity
1,157 1,212 1,210 1,363 1,441 1,462 1,522
Common Stock
578 578 579 741 741 742 743
Retained Earnings
935 980 997 1,006 1,041 1,058 1,080
Treasury Stock
-173 -173 -175 -177 -176 -176 -176
Accumulated Other Comprehensive Income / (Loss)
-184 -174 -190 -208 -164 -163 -126

Annual Metrics and Ratios for NBT Bancorp

This table displays calculated financial ratios and metrics derived from NBT Bancorp's official financial filings.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Growth Metrics
- - - - - - - - - - -
Revenue Growth
10.73% -1.80% 2.44% 6.48% 6.32% 5.85% 1.40% 3.66% 8.12% 0.51% 10.87%
EBITDA Growth
19.54% 2.95% 3.27% 6.52% 5.73% 16.06% -11.66% 42.83% -3.05% -18.35% 17.32%
EBIT Growth
24.86% 3.85% 1.86% 7.88% 6.90% 13.45% -14.38% 50.17% -1.85% -21.77% 16.94%
NOPAT Growth
21.58% 1.80% 2.60% 4.77% 37.02% 7.51% -13.74% 48.37% -1.87% -21.85% 18.40%
Net Income Growth
21.58% 1.80% 2.60% 4.77% 37.02% 7.51% -13.74% 48.37% -1.87% -21.85% 18.40%
EPS Growth
15.75% 1.78% 4.65% 3.89% 36.90% 7.03% -13.50% 49.37% -0.57% -24.72% 12.08%
Operating Cash Flow Growth
-26.39% 41.78% -11.19% 23.82% 7.94% 3.85% -5.34% 9.58% 15.10% -14.06% 19.76%
Free Cash Flow Firm Growth
179.62% -119.32% -148.97% 109.10% -660.67% 388.99% 84.53% -11.11% -215.03% 103.73% 1,426.01%
Invested Capital Growth
-16.02% 10.12% 15.69% 3.73% 10.56% -5.98% -17.86% -15.44% 45.49% 5.18% -5.91%
Revenue Q/Q Growth
0.99% 1.34% -0.12% 2.38% -0.02% 1.92% 1.05% 1.71% 1.49% 0.73% 1.92%
EBITDA Q/Q Growth
0.21% 1.79% 0.55% 2.33% -2.62% 5.60% 8.81% -0.59% -1.03% -2.66% 2.81%
EBIT Q/Q Growth
0.65% 1.88% 0.10% 2.90% -2.79% 5.24% 5.13% 2.28% -0.71% -4.30% 3.32%
NOPAT Q/Q Growth
0.79% 0.81% 0.62% -2.34% 10.85% 0.26% 5.28% 2.05% -0.78% -4.56% 4.12%
Net Income Q/Q Growth
0.79% 0.81% 0.62% -2.34% 10.85% 0.26% 5.28% 2.05% -0.78% -4.56% 4.12%
EPS Q/Q Growth
-1.17% 1.18% 1.12% -2.60% 10.82% 0.37% 5.33% 2.02% -0.28% -7.34% 4.95%
Operating Cash Flow Q/Q Growth
-4.36% 1.97% -0.68% 7.58% 5.46% 1.00% -7.42% -8.86% 4.16% 3.93% 7.72%
Free Cash Flow Firm Q/Q Growth
83.14% -194.09% -2.70% 145.09% -62.80% -34.67% 111.19% 91.08% -268.64% 103.16% 1.05%
Invested Capital Q/Q Growth
-3.56% 5.83% 5.30% 2.19% 4.23% 12.38% -1.15% -13.28% 36.74% -1.92% -1.90%
Profitability Metrics
- - - - - - - - - - -
EBITDA Margin
34.11% 35.76% 36.05% 36.06% 35.86% 39.32% 34.25% 47.19% 42.32% 34.38% 36.38%
EBIT Margin
29.72% 31.43% 31.25% 31.66% 31.83% 34.12% 28.81% 41.73% 37.88% 29.49% 31.10%
Profit (Net Income) Margin
19.87% 20.59% 20.63% 20.29% 26.15% 26.56% 22.60% 32.34% 29.36% 22.83% 24.38%
Tax Burden Percent
66.85% 65.53% 66.00% 64.10% 82.16% 77.86% 78.44% 77.50% 77.49% 77.40% 78.37%
Interest Burden Percent
100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate
33.15% 34.47% 34.00% 35.90% 17.84% 22.14% 21.56% 22.50% 22.51% 22.60% 21.63%
Return on Invested Capital (ROIC)
4.85% 5.15% 4.67% 4.48% 5.73% 6.04% 5.91% 10.53% 9.18% 5.90% 7.02%
ROIC Less NNEP Spread (ROIC-NNEP)
4.85% 5.15% 4.67% 4.48% 5.73% 6.04% 5.91% 10.53% 9.18% 5.90% 7.02%
Return on Net Nonoperating Assets (RNNOA)
4.08% 3.61% 4.06% 4.30% 5.67% 5.28% 3.14% 1.40% 2.58% 3.24% 2.50%
Return on Equity (ROE)
8.93% 8.75% 8.73% 8.78% 11.39% 11.32% 9.05% 11.92% 11.76% 9.14% 9.53%
Cash Return on Invested Capital (CROIC)
22.26% -4.48% -9.88% 0.82% -4.30% 12.21% 25.52% 27.25% -27.87% 0.86% 13.12%
Operating Return on Assets (OROA)
1.45% 1.45% 1.39% 1.42% 1.47% 1.61% 1.29% 1.74% 1.65% 1.23% 1.32%
Return on Assets (ROA)
0.97% 0.95% 0.92% 0.91% 1.20% 1.26% 1.01% 1.35% 1.28% 0.95% 1.04%
Return on Common Equity (ROCE)
8.93% 8.75% 8.73% 8.78% 11.39% 11.32% 9.05% 11.92% 11.76% 9.14% 9.53%
Return on Equity Simple (ROE_SIMPLE)
8.69% 8.66% 8.59% 8.57% 11.06% 10.80% 8.79% 12.39% 12.95% 8.33% 9.22%
Net Operating Profit after Tax (NOPAT)
75 76 78 82 113 121 104 155 152 119 141
NOPAT Margin
19.87% 20.59% 20.63% 20.29% 26.15% 26.56% 22.60% 32.34% 29.36% 22.83% 24.38%
Net Nonoperating Expense Percent (NNEP)
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue
45.89% 48.61% 49.02% 47.45% 43.95% 48.13% 48.12% 49.25% 48.80% 50.71% 53.09%
Operating Expenses to Revenue
65.11% 63.64% 62.06% 60.68% 61.47% 60.30% 60.12% 59.99% 58.80% 65.65% 65.50%
Earnings before Interest and Taxes (EBIT)
112 117 119 128 137 155 133 200 196 153 179
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)
129 133 137 146 154 179 158 226 219 179 210
Valuation Ratios
- - - - - - - - - - -
Price to Book Value (P/BV)
1.00 1.06 1.58 1.37 1.25 1.37 1.06 1.09 1.48 1.34 1.48
Price to Tangible Book Value (P/TBV)
1.49 1.57 2.29 1.94 1.75 1.84 1.40 1.37 1.97 1.87 2.00
Price to Revenue (P/Rev)
2.28 2.53 3.81 3.25 2.95 3.38 2.71 3.21 3.36 3.67 3.91
Price to Earnings (P/E)
11.50 12.27 18.45 16.00 11.30 12.71 12.00 9.94 11.45 16.09 16.02
Dividend Yield
4.25% 4.01% 2.69% 3.05% 3.40% 2.99% 3.76% 3.10% 2.85% 3.05% 2.76%
Earnings Yield
8.70% 8.15% 5.42% 6.25% 8.85% 7.87% 8.33% 10.06% 8.73% 6.21% 6.24%
Enterprise Value to Invested Capital (EV/IC)
0.90 0.95 1.21 1.11 1.04 1.10 0.62 0.27 1.19 1.14 1.23
Enterprise Value to Revenue (EV/Rev)
3.35 3.97 5.75 5.10 4.97 4.70 2.14 0.77 4.50 4.50 4.13
Enterprise Value to EBITDA (EV/EBITDA)
9.82 11.09 15.94 14.14 13.85 11.96 6.24 1.63 10.64 13.10 11.36
Enterprise Value to EBIT (EV/EBIT)
11.27 12.62 18.39 16.10 15.60 13.78 7.42 1.84 11.89 15.27 13.29
Enterprise Value to NOPAT (EV/NOPAT)
16.86 19.26 27.86 25.12 18.99 17.70 9.46 2.38 15.34 19.73 16.95
Enterprise Value to Operating Cash Flow (EV/OCF)
14.41 11.82 19.76 15.08 14.46 13.96 6.80 2.31 12.72 14.88 12.64
Enterprise Value to Free Cash Flow (EV/FCFF)
3.67 0.00 0.00 136.79 0.00 8.76 2.19 0.92 0.00 136.19 9.08
Leverage & Solvency
- - - - - - - - - - -
Debt to Equity
0.64 0.76 0.97 0.95 1.03 0.73 0.34 0.07 0.67 0.45 0.27
Long-Term Debt to Equity
0.27 0.26 0.22 0.20 0.17 0.15 0.20 0.00 0.17 0.18 0.17
Financial Leverage
0.84 0.70 0.87 0.96 0.99 0.87 0.53 0.13 0.28 0.55 0.36
Leverage Ratio
9.20 9.20 9.54 9.62 9.46 9.01 8.95 8.83 9.19 9.64 9.18
Compound Leverage Factor
9.20 9.20 9.54 9.62 9.46 9.01 8.95 8.83 9.19 9.64 9.18
Debt to Total Capital
38.85% 43.32% 49.27% 48.69% 50.70% 42.28% 25.51% 6.48% 40.17% 30.90% 21.38%
Short-Term Debt to Total Capital
22.42% 28.43% 37.87% 38.51% 42.22% 33.76% 10.56% 6.48% 29.82% 18.74% 8.39%
Long-Term Debt to Total Capital
16.43% 14.89% 11.40% 10.18% 8.47% 8.52% 14.95% 0.00% 10.35% 12.15% 12.98%
Preferred Equity to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital
61.15% 56.68% 50.73% 51.31% 49.30% 57.72% 74.49% 93.52% 59.83% 69.11% 78.62%
Debt to EBITDA
4.26 5.08 6.47 6.23 6.78 4.58 2.57 0.43 3.60 3.56 1.98
Net Debt to EBITDA
3.12 4.02 5.38 5.14 5.61 3.37 -1.68 -5.18 2.70 2.42 0.62
Long-Term Debt to EBITDA
1.80 1.75 1.50 1.30 1.13 0.92 1.51 0.00 0.93 1.40 1.20
Debt to NOPAT
7.31 8.82 11.31 11.07 9.30 6.78 3.90 0.63 5.18 5.37 2.95
Net Debt to NOPAT
5.36 6.99 9.41 9.12 7.69 4.99 -2.55 -7.56 3.89 3.64 0.93
Long-Term Debt to NOPAT
3.09 3.03 2.62 2.31 1.55 1.37 2.28 0.00 1.34 2.11 1.79
Noncontrolling Interest Sharing Ratio
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios
- - - - - - - - - - -
Cash Flow Metrics
- - - - - - - - - - -
Free Cash Flow to Firm (FCFF)
345 -67 -166 15 -85 244 451 401 -461 17 263
Operating Cash Flow to CapEx
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense
14.85 -3.23 -7.37 0.58 -2.19 4.37 13.84 21.34 -21.08 0.12 1.24
Operating Cash Flow to Interest Expense
3.78 6.04 4.91 5.28 3.83 2.74 4.46 8.47 8.37 1.09 0.89
Operating Cash Flow Less CapEx to Interest Expense
3.78 6.04 4.91 5.28 3.83 2.74 4.46 8.47 8.37 1.09 0.89
Efficiency Ratios
- - - - - - - - - - -
Asset Turnover
0.05 0.05 0.04 0.05 0.05 0.05 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover
4.26 4.17 4.39 4.89 5.37 5.89 6.17 6.55 7.34 6.95 7.14
Capital & Investment Metrics
- - - - - - - - - - -
Invested Capital
1,413 1,556 1,800 1,867 2,065 1,941 1,594 1,348 1,962 2,063 1,941
Invested Capital Turnover
0.24 0.25 0.23 0.22 0.22 0.23 0.26 0.33 0.31 0.26 0.29
Increase / (Decrease) in Invested Capital
-270 143 244 67 197 -123 -347 -246 613 102 -122
Enterprise Value (EV)
1,266 1,472 2,184 2,064 2,137 2,142 987 368 2,331 2,344 2,384
Market Capitalization
863 938 1,447 1,314 1,272 1,538 1,253 1,539 1,741 1,911 2,253
Book Value per Share
$19.76 $20.37 $21.16 $22.01 $23.31 $25.58 $27.22 $32.53 $27.39 $30.28 $32.35
Tangible Book Value per Share
$13.27 $13.83 $14.64 $15.54 $16.66 $19.04 $20.52 $25.86 $20.66 $21.73 $23.89
Total Capital
1,413 1,556 1,800 1,867 2,065 1,941 1,594 1,508 1,962 2,063 1,941
Total Debt
549 674 887 909 1,047 821 407 98 788 637 415
Total Long-Term Debt
232 232 205 190 175 165 238 0.00 203 251 252
Net Debt
402 534 738 750 866 604 -266 -1,171 591 432 131
Capital Expenditures (CapEx)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)
549 674 887 909 1,047 821 407 -62 788 637 415
Total Depreciation and Amortization (D&A)
17 16 18 18 17 24 25 26 23 25 30
Earnings Adjustments
- - - - - - - - - - -
Adjusted Basic Earnings per Share
$1.71 $1.74 $1.81 $1.89 $2.58 $2.76 $2.39 $3.57 $3.54 $2.67 $2.98
Adjusted Weighted Average Basic Shares Outstanding
44.21M 43.13M 43.39M 43.59M 43.73M 43.84M 43.58M 43.17M 42.90M 47.15M 47.25M
Adjusted Diluted Earnings per Share
$1.69 $1.72 $1.80 $1.87 $2.56 $2.74 $2.37 $3.54 $3.52 $2.65 $2.97
Adjusted Weighted Average Diluted Shares Outstanding
44.21M 43.13M 43.39M 43.59M 43.73M 43.84M 43.58M 43.17M 42.90M 47.15M 47.25M
Adjusted Basic & Diluted Earnings per Share
$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding
44.21M 43.13M 43.39M 43.59M 43.73M 43.84M 43.58M 43.17M 42.90M 47.15M 47.25M
Normalized Net Operating Profit after Tax (NOPAT)
75 76 78 82 113 121 104 155 153 127 142
Normalized NOPAT Margin
19.87% 20.59% 20.63% 20.29% 26.15% 26.56% 22.60% 32.34% 29.50% 24.31% 24.58%
Pre Tax Income Margin
29.72% 31.43% 31.25% 31.66% 31.83% 34.12% 28.81% 41.73% 37.88% 29.49% 31.10%
Debt Service Ratios
- - - - - - - - - - -
EBIT to Interest Expense
4.84 5.66 5.28 4.95 3.55 2.78 4.08 10.64 8.97 1.06 0.85
NOPAT to Interest Expense
3.24 3.71 3.48 3.17 2.91 2.16 3.20 8.24 6.95 0.82 0.66
EBIT Less CapEx to Interest Expense
4.84 5.66 5.28 4.95 3.55 2.78 4.08 10.64 8.97 1.06 0.85
NOPAT Less CapEx to Interest Expense
3.24 3.71 3.48 3.17 2.91 2.16 3.20 8.24 6.95 0.82 0.66
Payout Ratios
- - - - - - - - - - -
Dividend Payout Ratio
49.16% 49.92% 49.59% 48.82% 38.44% 38.02% 45.22% 30.82% 32.74% 47.05% 44.27%
Augmented Payout Ratio
49.25% 84.98% 71.51% 48.82% 38.44% 38.02% 52.87% 44.84% 42.42% 51.21% 44.45%

Quarterly Metrics and Ratios for NBT Bancorp

This table displays calculated financial ratios and metrics derived from NBT Bancorp's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Growth Metrics
- - - - - - - - - -
Revenue Growth
11.57% 6.00% 2.82% -6.28% 2.64% 2.83% 11.14% 15.91% 9.11% 7.90%
EBITDA Growth
2.36% -4.16% -13.09% -18.93% -31.45% -9.33% 4.23% 12.09% 46.35% 12.10%
EBIT Growth
4.12% -2.92% -13.97% -20.52% -37.19% -14.78% -0.07% 8.23% 53.87% 14.49%
NOPAT Growth
4.11% -3.19% -13.98% -20.39% -36.86% -15.71% 0.49% 8.79% 54.83% 18.26%
Net Income Growth
4.11% -3.19% -13.98% -20.39% -36.86% -15.71% 0.49% 8.79% 54.83% 18.26%
EPS Growth
4.65% -1.18% -13.33% -20.45% -40.00% -25.00% -8.97% -1.43% 48.15% 22.22%
Operating Cash Flow Growth
20.22% 32.69% -38.29% -34.02% 10.54% 20.04% 68.19% 11.46% -4.58% 37.92%
Free Cash Flow Firm Growth
66.79% -303.64% -791.99% -638.76% -504.49% 87.68% 97.28% 130.61% 125.28% 322.08%
Invested Capital Growth
-7.74% 45.49% 29.29% 43.78% 46.64% 5.18% 2.33% -7.32% -5.93% -5.91%
Revenue Q/Q Growth
1.86% 1.69% -5.52% -4.23% 11.56% 1.87% 2.11% -0.11% 5.01% 0.74%
EBITDA Q/Q Growth
3.02% -6.90% -6.65% -9.44% -12.89% 23.13% 7.31% -2.62% 13.74% -5.69%
EBIT Q/Q Growth
3.57% -7.51% -7.37% -10.44% -18.15% 25.50% 8.62% -3.00% 16.36% -6.62%
NOPAT Q/Q Growth
3.17% -7.32% -6.82% -10.65% -18.18% 23.73% 11.09% -3.27% 16.45% -5.49%
Net Income Q/Q Growth
3.17% -7.32% -6.82% -10.65% -18.18% 23.73% 11.09% -3.27% 16.45% -5.49%
EPS Q/Q Growth
2.27% -6.67% -7.14% -10.26% -22.86% 16.67% 12.70% -2.82% 15.94% -3.75%
Operating Cash Flow Q/Q Growth
-28.05% -39.90% -26.45% 107.46% 20.54% -34.74% 3.06% 37.48% 3.19% -5.68%
Free Cash Flow Firm Q/Q Growth
41.49% -462.28% 30.66% -51.57% -6.23% 88.96% 84.71% 1,807.49% -12.29% -3.02%
Invested Capital Q/Q Growth
-1.37% 36.74% -2.38% 9.20% 0.59% -1.92% -5.02% -1.10% 2.10% -1.90%
Profitability Metrics
- - - - - - - - - -
EBITDA Margin
42.66% 39.06% 38.59% 36.49% 28.49% 34.44% 36.19% 35.28% 38.21% 35.78%
EBIT Margin
38.34% 34.87% 34.19% 31.97% 23.46% 28.90% 30.74% 29.86% 33.08% 30.67%
Profit (Net Income) Margin
29.60% 26.98% 26.61% 24.83% 18.21% 22.12% 24.06% 23.30% 25.84% 24.24%
Tax Burden Percent
77.22% 77.37% 77.83% 77.65% 77.62% 76.53% 78.27% 78.05% 78.10% 79.05%
Interest Burden Percent
100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate
22.78% 22.63% 22.17% 22.35% 22.38% 23.47% 21.73% 21.95% 21.90% 20.95%
Return on Invested Capital (ROIC)
10.11% 8.44% 8.17% 7.19% 5.32% 5.72% 6.64% 6.41% 7.17% 6.99%
ROIC Less NNEP Spread (ROIC-NNEP)
10.11% 8.44% 8.17% 7.19% 5.32% 5.72% 6.64% 6.41% 7.17% 6.99%
Return on Net Nonoperating Assets (RNNOA)
2.49% 2.37% 3.32% 3.43% 2.15% 3.14% 3.06% 3.25% 2.97% 2.49%
Return on Equity (ROE)
12.60% 10.81% 11.49% 10.62% 7.47% 8.86% 9.70% 9.66% 10.14% 9.48%
Cash Return on Invested Capital (CROIC)
18.30% -27.87% -16.92% -28.08% -30.78% 0.86% 3.83% 13.63% 12.73% 13.12%
Operating Return on Assets (OROA)
1.66% 1.52% 1.49% 1.39% 0.95% 1.20% 1.30% 1.30% 1.35% 1.31%
Return on Assets (ROA)
1.28% 1.18% 1.16% 1.08% 0.74% 0.92% 1.02% 1.02% 1.06% 1.03%
Return on Common Equity (ROCE)
12.60% 10.81% 11.49% 10.62% 7.47% 8.86% 9.70% 9.66% 10.14% 9.48%
Return on Equity Simple (ROE_SIMPLE)
13.25% 0.00% 12.09% 11.47% 9.13% 0.00% 8.25% 8.32% 8.88% 0.00%
Net Operating Profit after Tax (NOPAT)
39 36 34 30 25 30 34 33 38 36
NOPAT Margin
29.60% 26.98% 26.61% 24.83% 18.21% 22.12% 24.06% 23.30% 25.84% 24.24%
Net Nonoperating Expense Percent (NNEP)
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue
49.00% 47.63% 51.42% 52.49% 49.35% 49.81% 52.90% 52.12% 52.92% 54.36%
Operating Expenses to Revenue
58.26% 59.39% 62.72% 65.05% 67.19% 67.38% 65.29% 63.81% 64.94% 67.85%
Earnings before Interest and Taxes (EBIT)
50 47 43 39 32 40 43 42 49 46
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)
56 52 49 44 38 47 51 50 56 53
Valuation Ratios
- - - - - - - - - -
Price to Book Value (P/BV)
1.33 1.48 1.14 1.09 0.96 1.34 1.19 1.24 1.37 1.48
Price to Tangible Book Value (P/TBV)
1.77 1.97 1.50 1.43 1.36 1.87 1.65 1.71 1.86 2.00
Price to Revenue (P/Rev)
3.00 3.36 2.65 2.57 2.54 3.67 3.21 3.29 3.69 3.91
Price to Earnings (P/E)
10.00 11.45 9.43 9.49 10.52 16.09 14.42 14.97 15.45 16.02
Dividend Yield
3.19% 2.85% 3.66% 3.91% 3.98% 3.05% 3.46% 3.32% 2.94% 2.76%
Earnings Yield
10.00% 8.73% 10.60% 10.54% 9.50% 6.21% 6.94% 6.68% 6.47% 6.24%
Enterprise Value to Invested Capital (EV/IC)
1.04 1.19 0.97 0.95 0.66 1.14 0.98 1.08 1.04 1.23
Enterprise Value to Revenue (EV/Rev)
2.92 4.50 3.56 3.89 2.67 4.50 3.58 3.77 3.64 4.13
Enterprise Value to EBITDA (EV/EBITDA)
6.73 10.64 8.76 9.91 7.50 13.10 10.58 11.21 10.09 11.36
Enterprise Value to EBIT (EV/EBIT)
7.54 11.89 9.81 11.14 8.59 15.27 12.47 13.34 11.86 13.29
Enterprise Value to NOPAT (EV/NOPAT)
9.72 15.34 12.67 14.38 11.07 19.73 16.09 17.18 15.25 16.95
Enterprise Value to Operating Cash Flow (EV/OCF)
8.47 12.72 10.94 13.64 9.09 14.88 11.10 11.76 11.77 12.64
Enterprise Value to Free Cash Flow (EV/FCFF)
5.45 0.00 0.00 0.00 0.00 136.19 25.77 7.61 7.93 9.08
Leverage & Solvency
- - - - - - - - - -
Debt to Equity
0.24 0.67 0.58 0.73 0.54 0.45 0.36 0.33 0.30 0.27
Long-Term Debt to Equity
0.18 0.17 0.19 0.19 0.18 0.18 0.17 0.17 0.17 0.17
Financial Leverage
0.25 0.28 0.41 0.48 0.40 0.55 0.46 0.51 0.42 0.36
Leverage Ratio
9.86 9.19 9.94 9.84 10.11 9.64 9.53 9.50 9.59 9.18
Compound Leverage Factor
9.86 9.19 9.94 9.84 10.11 9.64 9.53 9.50 9.59 9.18
Debt to Total Capital
19.37% 40.17% 36.72% 42.11% 35.21% 30.90% 26.44% 24.57% 23.08% 21.38%
Short-Term Debt to Total Capital
5.20% 29.82% 24.82% 31.20% 23.30% 18.74% 13.63% 11.59% 10.36% 8.39%
Long-Term Debt to Total Capital
14.18% 10.35% 11.91% 10.91% 11.91% 12.15% 12.81% 12.97% 12.72% 12.98%
Preferred Equity to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital
80.63% 59.83% 63.28% 57.89% 64.79% 69.11% 73.56% 75.43% 76.92% 78.62%
Debt to EBITDA
1.26 3.60 3.32 4.37 4.03 3.56 2.86 2.56 2.24 1.98
Net Debt to EBITDA
-0.20 2.70 2.24 3.37 0.37 2.42 1.10 1.44 -0.13 0.62
Long-Term Debt to EBITDA
0.92 0.93 1.08 1.13 1.36 1.40 1.39 1.35 1.23 1.20
Debt to NOPAT
1.81 5.18 4.80 6.34 5.95 5.37 4.36 3.92 3.38 2.95
Net Debt to NOPAT
-0.28 3.89 3.23 4.89 0.55 3.64 1.67 2.21 -0.19 0.93
Long-Term Debt to NOPAT
1.33 1.34 1.56 1.64 2.01 2.11 2.11 2.07 1.86 1.79
Noncontrolling Interest Sharing Ratio
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios
- - - - - - - - - -
Cash Flow Metrics
- - - - - - - - - -
Free Cash Flow to Firm (FCFF)
159 -577 -400 -607 -644 -71 -11 186 163 158
Operating Cash Flow to CapEx
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense
33.64 -61.44 -20.93 -19.25 -15.27 -1.37 -0.21 3.46 2.99 3.06
Operating Cash Flow to Interest Expense
10.44 3.16 1.14 1.44 1.29 0.69 0.71 0.94 0.96 0.95
Operating Cash Flow Less CapEx to Interest Expense
10.44 3.16 1.14 1.44 1.29 0.69 0.71 0.94 0.96 0.95
Efficiency Ratios
- - - - - - - - - -
Asset Turnover
0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover
7.22 7.34 7.51 7.53 6.79 6.95 7.22 7.61 6.95 7.14
Capital & Investment Metrics
- - - - - - - - - -
Invested Capital
1,434 1,962 1,915 2,091 2,103 2,063 1,960 1,938 1,979 1,941
Invested Capital Turnover
0.34 0.31 0.31 0.29 0.29 0.26 0.28 0.27 0.28 0.29
Increase / (Decrease) in Invested Capital
-120 613 434 637 669 102 45 -153 -125 -122
Enterprise Value (EV)
1,489 2,331 1,856 1,996 1,378 2,344 1,914 2,089 2,061 2,384
Market Capitalization
1,533 1,741 1,382 1,318 1,310 1,911 1,715 1,820 2,086 2,253
Book Value per Share
$27.00 $27.39 $28.24 $28.21 $31.87 $30.28 $30.57 $31.01 $32.27 $32.35
Tangible Book Value per Share
$20.25 $20.66 $21.53 $21.51 $22.45 $21.73 $22.07 $22.55 $23.83 $23.89
Total Capital
1,434 1,962 1,915 2,091 2,103 2,063 1,960 1,938 1,979 1,941
Total Debt
278 788 703 881 741 637 518 476 457 415
Total Long-Term Debt
203 203 228 228 250 251 251 251 252 252
Net Debt
-43 591 473 679 68 432 199 269 -26 131
Capital Expenditures (CapEx)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)
278 788 703 881 741 637 518 476 457 415
Total Depreciation and Amortization (D&A)
5.69 5.60 5.56 5.47 6.80 7.62 7.66 7.62 7.57 7.59
Earnings Adjustments
- - - - - - - - - -
Adjusted Basic Earnings per Share
$0.91 $0.84 $0.78 $0.70 $0.54 $0.65 $0.72 $0.69 $0.81 $0.76
Adjusted Weighted Average Basic Shares Outstanding
42.84M 42.90M 42.90M 42.76M 47.09M 47.15M 47.15M 47.17M 47.18M 47.25M
Adjusted Diluted Earnings per Share
$0.90 $0.84 $0.78 $0.70 $0.54 $0.63 $0.71 $0.69 $0.80 $0.77
Adjusted Weighted Average Diluted Shares Outstanding
42.84M 42.90M 42.90M 42.76M 47.09M 47.15M 47.15M 47.17M 47.18M 47.25M
Adjusted Basic & Diluted Earnings per Share
$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding
42.84M 42.90M 42.90M 42.76M 47.09M 47.15M 47.15M 47.17M 47.18M 47.25M
Normalized Net Operating Profit after Tax (NOPAT)
39 37 34 31 31 31 34 33 39 37
Normalized NOPAT Margin
29.60% 27.54% 26.99% 25.59% 22.76% 22.26% 24.06% 23.30% 26.13% 24.77%
Pre Tax Income Margin
38.34% 34.87% 34.19% 31.97% 23.46% 28.90% 30.74% 29.86% 33.08% 30.67%
Debt Service Ratios
- - - - - - - - - -
EBIT to Interest Expense
10.66 4.97 2.26 1.23 0.75 0.77 0.83 0.78 0.89 0.88
NOPAT to Interest Expense
8.23 3.85 1.76 0.95 0.58 0.59 0.65 0.61 0.70 0.70
EBIT Less CapEx to Interest Expense
10.66 4.97 2.26 1.23 0.75 0.77 0.83 0.78 0.89 0.88
NOPAT Less CapEx to Interest Expense
8.23 3.85 1.76 0.95 0.58 0.59 0.65 0.61 0.70 0.70
Payout Ratios
- - - - - - - - - -
Dividend Payout Ratio
32.01% 32.74% 34.50% 37.05% 43.12% 47.05% 48.85% 49.61% 45.38% 44.27%
Augmented Payout Ratio
46.59% 42.42% 38.98% 39.05% 47.10% 51.21% 53.06% 51.60% 45.56% 44.45%

Frequently Asked Questions About NBT Bancorp's Financials

When does NBT Bancorp's financial year end?

According to the most recent income statement we have on file, NBT Bancorp's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has NBT Bancorp's net income changed over the last 10 years?

NBT Bancorp's net income appears to be on an upward trend, with a most recent value of $140.64 million in 2024, rising from $75.07 million in 2014. The previous period was $118.78 million in 2023.

How has NBT Bancorp revenue changed over the last 10 years?

Over the last 10 years, NBT Bancorp's total revenue changed from $377.91 million in 2014 to $576.95 million in 2024, a change of 52.7%.

How much debt does NBT Bancorp have?

NBT Bancorp's total liabilities were at $12.26 billion at the end of 2024, a 3.2% increase from 2023, and a 76.6% increase since 2014.

How much cash does NBT Bancorp have?

In the past 10 years, NBT Bancorp's cash and equivalents has ranged from $130.59 million in 2015 to $205.08 million in 2024, and is currently $205.08 million as of their latest financial filing in 2024.

How has NBT Bancorp's book value per share changed over the last 10 years?

Over the last 10 years, NBT Bancorp's book value per share changed from 19.76 in 2014 to 32.35 in 2024, a change of 63.7%.



This page (NASDAQ:NBTB) was last updated on 4/25/2025 by MarketBeat.com Staff
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