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NBT Bancorp Inc.
NBT Bancorp Inc. Score & Ratio Trend
| Date | Score | P/E | P/B | D/E | Price |
|---|---|---|---|---|---|
| Oct 2026 | 20,674 | 12.2 | 1.34 | 0.13 | 4,835.22 |
| Oct 2026 | 20,663 | 12.3 | 1.35 | 0.10 | 4,824.37 |
| Oct 2026 | 20,731 | 12.3 | 1.34 | 0.10 | 4,779.78 |
| Oct 2026 | 20,732 | 12.3 | 1.34 | 0.10 | 4,764.47 |
| Oct 2026 | 20,676 | 12.4 | 1.35 | 0.10 | 4,815.47 |
| Oct 2026 | 20,662 | 12.4 | 1.36 | 0.10 | 4,816.26 |
| Oct 2026 | 20,679 | 12.4 | 1.35 | 0.10 | 4,805.29 |
| Oct 2026 | 20,585 | 12.6 | 1.38 | 0.10 | 4,890.63 |
| Oct 2026 | 20,598 | 12.6 | 1.38 | 0.10 | 4,866.25 |
| Oct 2026 | 20,457 | 12.9 | 1.41 | 0.10 | 4,982.89 |
NBT Bancorp Inc. Quarterly Results
| Line Item | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 |
|---|---|---|---|---|
| Revenue | 186,146,000.0 | 183,874,000.0 | 184,363,000.0 | 185,349,000.0 |
| Net Profit | 53,030,000.0 | 51,142,000.0 | 55,509,000.0 | 54,471,000.0 |
| EPS | 1.0 | 1.0 | 1.1 | 1.0 |
NBT Bancorp Inc. Revenue & Profit: Last 5 Years
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
| Revenue | 694,391,000.0 | 574,441,000.0 | 517,779,000.0 | 515,121,000.0 | — |
| Net Profit | 169,235,000.0 | 140,641,000.0 | 118,782,000.0 | 151,995,000.0 | — |
| EPS | 3.3 | 3.0 | 2.7 | 3.5 | — |
NBT Bancorp Inc. Balance Sheet
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 |
|---|---|---|---|---|
| Total Assets | 15,995,121,000.0 | 13,786,666,000.0 | 13,309,040,000.0 | 11,739,296,000.0 |
| Total Liabilities | 14,098,905,000.0 | 12,260,525,000.0 | 11,883,349,000.0 | 10,565,742,000.0 |
| Total Equity | 1,896,216,000.0 | 1,526,141,000.0 | 1,425,691,000.0 | 1,173,554,000.0 |
Owes vs Owns
NBT Bancorp Inc. owed $0.88 for every $1 it owned in Jun 2026, down from $0.90 in Dec 2022.
| Period | Jun 2026 | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 |
|---|---|---|---|---|---|
| Owes vs Owns | 0.88× | 0.88× | 0.89× | 0.89× | 0.90× |
Everything the company owes ÷ everything it owns. Below 1× it owns more than it owes; above 1× it owes more than it owns.
NBT Bancorp Inc. Assets & Liabilities Breakdown (USD millions)
What it owns — Dec 2025
Cash & short-term investments 4.1%Fixed assets (tangible) 0.6%Intangible assets 3.2%Long-term investments 16.7%Other assets 75.3%
How it's funded — Dec 2025
Long-term debt 1.1%Other liabilities 87.0%Shareholders' equity 11.9%
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 |
|---|---|---|---|---|
| Assets | ||||
| Cash & short-term investments | 660.4 | 1,858.7 | 1,636.0 | 1,724.6 |
| Receivables | 0.0 | 0.0 | 0.0 | 0.0 |
| Inventory | 0.0 | 0.0 | 0.0 | 0.0 |
| Fixed assets (tangible) | 99.3 | 80.8 | 80.7 | 69.0 |
| Intangible assets | 510.9 | 399.0 | 402.3 | 288.5 |
| Long-term investments | 2,674.4 | 2,460.0 | 2,373.7 | 2,477.5 |
| Other assets | 12,050.2 | 8,988.1 | 8,816.3 | 7,179.6 |
| Liabilities & equity | ||||
| Short-term debt | 0.0 | 16.0 | 293.0 | 499.0 |
| Long-term debt | 179.4 | 252.0 | 250.7 | 202.9 |
| Payables | 0.0 | 0.0 | 0.0 | 0.0 |
| Other liabilities | 13,919.6 | 11,992.5 | 11,339.6 | 9,863.8 |
| Shareholders' equity | 1,896.2 | 1,526.1 | 1,425.7 | 1,173.6 |
| Net tangible assets | 1,385.3 | 1,127.1 | 1,023.4 | 885.0 |
NBT Bancorp Inc. Cash Flow
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
| Operating Activities | 235,218,000.0 | 188,567,000.0 | 157,457,000.0 | 183,223,000.0 | — |
| Investing Activities | 169,072,000.0 | -399,160,000.0 | -44,226,000.0 | -926,216,000.0 | — |
| Financing Activities | -201,230,000.0 | 289,460,000.0 | -105,392,000.0 | -328,728,000.0 | — |