NBT BANCORP INC (NBTB)
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 · hover for prices
52-week range
- Market cap
- $2.4B
- P/E ratio
- 15.7
- EPS (diluted)
- $3.33
- Dividend yield
- 2.83%
- Shares outstanding
- 46.1M
- Open
- —
- Day range
- –
- Prev close
- —
- Volume
- —
- IPO date
- Mar 17, 1992
NBT Bancorp Inc (NBTB) Stock Price
- 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 2.83% annually.
- Valued at a price-to-earnings (P/E) ratio of 15.7.
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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NBT Bancorp Inc: frequently asked questions
Is NBT Bancorp Inc an American company?
NBT Bancorp Inc is a US-based company headquartered in Norwich, New York, listed in the americancompanies.com directory of American companies. Its American-origin credentials have not yet been independently verified.
Where is NBT Bancorp Inc headquartered?
NBT Bancorp Inc is headquartered in Norwich, New York, United States.
Is NBT Bancorp Inc publicly traded?
Yes — NBT Bancorp Inc is a publicly traded company. Its stock trades under the ticker symbol NBTB on the NASDAQ.
What does NBT Bancorp Inc do?
NBT Bancorp Inc is an American Financial Services company in the Business & Financial Services sector.
