All currency values in $ millions unless otherwise noted
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| Income Statement | TTM | DEC 2025 | DEC 2024 | DEC 2023 | DEC 2022 | DEC 2021 |
|---|---|---|---|---|---|---|
| Revenues | ||||||
| Revenue | $97 | $151 | $146 | $119 | $134 | $159 |
| Operating Expenses | ||||||
| Selling & Marketing | – | $4 | $3 | $3 | – | – |
| Non-Operating | ||||||
| Net Interest Expense | $306 | $502 | $400 | $378 | $362 | $321 |
| EBT (Earnings Before Tax) | $137 | $219 | $179 | $153 | $196 | $200 |
| Income Tax Expense | $24 | $50 | $39 | $35 | $44 | $45 |
| Net Income | ||||||
| Net Income | $113 | $169 | $141 | $119 | $152 | $155 |
| Per Share Data | ||||||
| Revenue Per Share | $2.21 | $2.96 | $3.08 | $2.67 | $3.09 | $3.64 |
| EPS (Basic) | $2.58 | $3.34 | $2.98 | $2.67 | $3.54 | $3.57 |
| EPS (Diluted) | $2.56 | $3.33 | $2.97 | $2.65 | $3.52 | $3.54 |
| Weighted Avg Shares (Basic) | 43,701 | 50.7M | 47.2M | 44.5M | 42.9M | 43.4M |
| Weighted Avg Shares (Diluted) | 44,020 | 50.9M | 47.4M | 44.8M | 43.2M | 43.7M |
| Shares Outstanding | 44.0M | 50.9M | 47.4M | 44.8M | 43.2M | 43.7M |
| Dividends Per Share | $0.99 | $1.42 | $1.32 | $1.24 | $1.16 | $1.10 |
NBT Bancorp (NBTB) financials: revenue, profit and margins
NBT Bancorp (NBTB) generated about n/a in revenue and $214 million in net income (a 112.3% net margin) over the trailing twelve months, growing at roughly 10.9% a year. Figures are from SEC filings; this is analysis, not investment advice.
Frequently asked
Is NBT Bancorp profitable?+
Yes, NBT Bancorp reported about $214 million in net income over the trailing twelve months, a net profit margin of roughly 112.3%. Net income is the bottom line after all costs, interest and taxes. Compare it to free cash flow on this tab, since reported profit and actual cash generated can diverge.
What are NBT Bancorp's profit margins?+
NBT Bancorp runs a net margin of about 112.3%. Margins show how much of each sales dollar a company keeps at each stage. Stable or rising margins usually signal pricing power and cost discipline; falling margins are worth investigating. See the multi-year trend on this tab.
How fast is NBT Bancorp growing?+
NBT Bancorp's revenue has compounded at roughly 10.9% a year over the past five years. Growth only creates value when it is profitable and cash-generative, so read this rate alongside NBTB's margins and free cash flow. This is analysis from SEC filings, not investment advice.
SourceFinancial statements computed from the 10-Q filed 31 Jul 2026, covering the period ending 30 Jun 2026, as reported to the SEC. Data last refreshed 17 Sept 2026. How this is calculated.
Fiscal year ends Dec.
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Held by ETFs
NBTB is in 85 US ETFs. The largest of them, with NBTB's weight in each:
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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