NBT BANCORP INC
About NBT BANCORP INC
NBT Bancorp Inc is a financial holding company that operates through its subsidiaries. The company's principal sources of revenue include management fees and dividends it receives through its subsidiaries. Its business, predominantly conducted through NBT Bank, consists of providing commercial banking, retail banking, and wealth management services to customers in its market area, which includes upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. The company's reportable segments are Banking and Retirement Plan Administration. A majority of its revenue is generated from the Banking segment.
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Financial summary
- Revenue FY2025
- $183.0M
- Net income
- $169.2M
- Total assets
- $16.0B
- Market cap
- $2.4B
- Operating margin
- 119.9%
- Net margin
- 92.5%
Source: SEC EDGAR · updated Jun 7, 2026
Revenue & profit trend
Financial statements
Income statement
- Revenue
- $183.0M
- Operating expenses
- -$36.5M
- Operating income
- $219.4M
- Income tax
- $50.2M
- Net income
- $169.2M
- EPS (basic)
- $3.34
- EPS (diluted)
- $3.33
Balance sheet
- Total assets
- $16.0B
- Current assets
- $16.0B
- Total liabilities
- $14.1B
- Current liabilities
- $14.1B
- Shareholders’ equity
- $1.9B
Cash flow
- Operating cash flow
- $235.2M
- Investing cash flow
- $169.1M
- Financing cash flow
- -$201.2M
- Net cash flow
- $203.1M
Statements via Polygon.io (SEC filings)
15-minute delayed · data by Polygon.io
Past year
52-week range
- Market cap
- $2.4B
- P/E ratio
- 13.9
- EPS (diluted)
- $3.33
- Dividend yield
- 3.2%
- Shares outstanding
- 52.2M
- Open
- —
- Day range
- –
- Prev close
- —
- Volume
- —
- IPO date
- Mar 17, 1992
Market data by Polygon.io · prices are 15-minute delayed
At a glance
- Profitable — net income of $169.2M in FY2025.
- Revenue grew 21% from FY2021 to FY2025.
- Trading near its 52-week high.
- Pays a dividend yielding about 3.2% annually.
- Valued at a price-to-earnings (P/E) ratio of 13.9.
Automatically generated from public filings and market data. Informational only — not investment advice or a recommendation to buy or sell any security.
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