NBT Bancorp (NBTB) financial statements
NBT Bancorp reported revenue of $183M in fiscal 2025, up 5.7% a year over 9 years.
Net income was $169M.
Free cash flow was $219M, and the company returned $73M in dividends and $10M in net buybacks.
The diluted share count rose 17% over the period (dilution).
Revenue and free cash flow
Fiscal years, $ billions.
Income statement
Fiscal years, from NBT Bancorp's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $111M | $113M | $126M | $134M | $141M | $151M | $151M | $145M | $166M | $183M |
| Interest expense | $23M | $26M | $39M | $56M | $33M | $19M | $22M | $145M | — | — |
| Pre-tax income | $119M | $128M | $137M | $155M | $133M | $200M | $196M | $153M | $179M | $219M |
| Income tax | $40M | $46M | $24M | $34M | $29M | $45M | $44M | $35M | $39M | $50M |
| Net income | $78M | $82M | $113M | $121M | $104M | $155M | $152M | $119M | $141M | $169M |
| EPS (diluted) | $1.80 | $1.87 | $2.56 | $2.74 | $2.37 | $3.54 | $3.52 | $2.65 | $2.97 | $3.33 |
| Diluted shares | 44M | 44M | 44M | 44M | 44M | 44M | 43M | 45M | 47M | 51M |
| Net margin | 70.5% | 72.4% | 89.3% | 90.0% | 74.1% | 102.6% | 100.9% | 82.1% | 84.9% | 92.5% |
Balance sheet
Fiscal years, from NBT Bancorp's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and short-term investments | $149M | $160M | $181M | $217M | $673M | $1.3B | $197M | $205M | $284M | $487M |
| Property, plant and equipment | $84M | $81M | $79M | $76M | $74M | $72M | $69M | $81M | $81M | $99M |
| Goodwill | $265M | $268M | $275M | $275M | $281M | $281M | $281M | $362M | $363M | $453M |
| Total assets | $8.9B | $9.1B | $9.6B | $9.7B | $10.9B | $12.0B | $11.7B | $13.3B | $13.8B | $16.0B |
| Total liabilities | $8.0B | $8.2B | $8.5B | $8.6B | $9.7B | $10.8B | $10.6B | $11.9B | $12.3B | $14.1B |
| Shareholders' equity | $913M | $958M | $1.0B | $1.1B | $1.2B | $1.3B | $1.2B | $1.4B | $1.5B | $1.9B |
| Net debt | -$149M | -$160M | -$181M | -$217M | -$673M | -$1.3B | -$197M | -$205M | -$284M | -$487M |
Cash flow
Fiscal years, from NBT Bancorp's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $111M | $137M | $148M | $153M | $145M | $159M | $183M | $157M | $189M | $235M |
| Capital spending | $3M | $7M | $7M | $7M | $8M | $8M | $7M | $9M | $12M | $16M |
| Free cash flow | $107M | $130M | $140M | $147M | $137M | $151M | $176M | $148M | $177M | $219M |
| Stock-based compensation | $4M | $4M | $4M | $4M | $5M | $4M | $5M | $5M | $6M | $5M |
| Dividends paid | $39M | $40M | $43M | $46M | $47M | $48M | $50M | $56M | $62M | $73M |
| Share buybacks (net) | -$17M | $0 | $0 | $0 | -$8M | -$22M | -$15M | -$5M | -$251,000 | -$10M |
| Net borrowing | $213M | $22M | $137M | -$226M | -$487M | -$71M | $487M | -$232M | -$224M | -$58M |
| Free cash flow margin | 96.5% | 114.8% | 111.4% | 109.2% | 97.3% | 100.3% | 117.0% | 102.4% | 106.7% | 119.7% |
| Dividends per share | $0.89 | $0.91 | $0.98 | $1.04 | $1.07 | $1.09 | $1.15 | $1.25 | $1.31 | $1.43 |
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Open NBTB in InvestinglyQuestions
What was NBT Bancorp's revenue in 2025?
$183M in fiscal 2025, from its 10-K filing.
How much free cash flow does NBT Bancorp generate?
$219M in fiscal 2025 (operating cash flow minus capital spending).
From NBT Bancorp's annual reports filed with the SEC (XBRL data), standardised by Investingly. Information only, not investment advice.