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NBT Bancorp Inc. is a registered financial holding company incorporated in the state of Delaware in 1986, with its principal headquarters located in Norwich, New York. The principal assets of NBT Bancorp Inc. consist of all of the outstanding shares of common stock of its subsidiaries, including: NBT Bank, National Association (the Bank ), NBT Financial Services, Inc. ( NBT Financial ), NBT Hol…
112.30% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue growth slowed to 3.1%, essentially flat. This is a business that needs a catalyst.
Traditional FCF and operating-margin metrics are not meaningful for financial institutions. Evaluate using net interest margin, credit quality, and capital ratios instead.
Profitability & Returns
Revenue (FY)
$151M
▲ +3.1% YoY
Net Income (TTM)
$184M
▲ +20.3% YoY
Net Margin
—
P/E
—
Balance Sheet
Total Assets
$16.20B
Equity
$1.91B
Total Debt
$118M
Cash & Equiv.
$716M
5Y CAGR: +10.9%
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