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NBT Bancorp Inc.(NBTB)Earnings, Financials & Key Ratios
NBTB•NASDAQ•Banking & Credit
$44.69
$2.33B mkt cap·13.4× P/E·Price updated May 6, 2026
AboutNBT Bancorp Inc., a financial holding company, provides commercial banking, retail banking, and wealth management services. Its deposit products include demand deposit, savings, negotiable order of withdrawal, money market deposit, and certificate of deposit accounts. The company's loan portfolio comprises commercial and industrial, commercial real estate, agricultural, and commercial construction loans; indirect and direct consumer, home equity, mortgages, business banking loans, and commercial loans; and residential real estate loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan consulting and recordkeeping services. In addition, the company offers insurance products comprising personal property and casualty, business liability, and commercial insurance, as well as other products and services through 24-hour online, mobile, and telephone channels that enable customers to check balances, make deposits, transfer funds, pay bills, access statements, apply for loans, and access various other products and services. As of December 31, 2021, it had 140 branches and 164 ATMs in New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Connecticut, and Maine. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York.Show more
- Net Interest Income$502M+25.3%
- Total Revenue$867M+10.4%
- Net Income$169M+20.3%
- Return on Equity9.89%+3.8%
- Net Interest Margin3.14%+8.0%
- Efficiency Ratio46.84%-1.9%
- ROA1.14%+9.5%
- Equity / Assets11.85%+7.1%
- Book Value per Share37.27+15.8%
- Tangible BV/Share27.23+14.6%
- Debt/Equity0.17-36.5%
NBTB Key Insights
NBT Bancorp Inc. (NBTB) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong Piotroski F-Score: 7/9
- ✓Efficient operations: 46.8% efficiency ratio
- ✓12 consecutive years of dividend growth
- ✓Well capitalized: 11.9% equity/assets
- ✓Healthy dividend yield of 3.2%
- ✓Trading near 52-week high
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
NBTB Price & Volume
NBT Bancorp Inc. (NBTB) stock price & volume — 10-year historical chart
Loading chart...
NBTB Growth Metrics
NBT Bancorp Inc. (NBTB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years8.46%
5 Years12.04%
3 Years17.33%
TTM-
Profit CAGR
10 Years8.27%
5 Years10.15%
3 Years3.65%
TTM20.33%
EPS CAGR
10 Years6.83%
5 Years7.04%
3 Years-1.83%
TTM12.84%
Return on Capital
10 Years9.4%
5 Years8.7%
3 Years6.62%
Last Year2.45%
NBTB Recent Earnings
NBT Bancorp Inc. (NBTB) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (58%)●Beat Revenue 6/12 qtrs (50%)
Q2 2026Latest
Apr 23, 2026EPS
$0.97
Est $0.98
-1.0%
Revenue
$184M
Est $185M
-0.4%
Q1 2026
Jan 26, 2026EPS
$1.05
Est $0.99
+6.1%
Revenue
$185M
Est $184M
+0.8%
Q4 2025
Oct 27, 2025EPS
$1.05
Est $0.97
+8.5%
Revenue
$183M
Est $184M
-0.5%
Q3 2025
Jul 28, 2025EPS
$0.88
Est $0.82
+7.3%
Revenue
$171M
Est $184M
-7.2%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.97vs $0.98-1.0% | $184Mvs $185M-0.4% |
| Q1 2026 | Jan 26, 2026 | $1.05vs $0.99+6.1% | $185Mvs $184M+0.8% |
| Q4 2025 | Oct 27, 2025 | $1.05vs $0.97+8.5% | $183Mvs $184M-0.5% |
| Q3 2025 | Jul 28, 2025 | $0.88vs $0.82+7.3% | $171Mvs $184M-7.2% |
Based on last 12 quarters of dataView full earnings history →
NBTB Peer Comparison
NBT Bancorp Inc. (NBTB) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 CNOB | 1.51B | 30.08 | 20.32 | 13.44% | 13.26% | 5.49% | 6.68% | 0.74 |
 TRMK | 2.64B | 44.76 | 12.10 | 34.75% | 20.01% | 10.77% | 8.8% | 0.53 |
 WSBC | 3.28B | 34.13 | 15.10 | 51.41% | 15.55% | 5.67% | 8.54% | 0.41 |
 FULT | 4.15B | 21.58 | 10.38 | 5.03% | 20.71% | 11.6% | 6.85% | 0.37 |
 CBSH | 7.66B | 52.13 | 12.78 | 2.23% | 26.46% | 15.34% | 7.74% | 0.79 |
 IBCP | 690.04M | 33.52 | 10.25 | -0.3% | 21.73% | 14.2% | 10.17% | 0.23 |
 SFBS | 4.35B | 79.60 | 15.73 | 4.13% | 27.18% | 14.95% | 0.81 | |
 STBA | 1.64B | 44.77 | 12.83 | 0.63% | 23.61% | 9.25% | 7.85% | 0.21 |
Compare NBTB vs Peers
NBT Bancorp Inc. (NBTB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
NBTB Income Statement
NBT Bancorp Inc. (NBTB) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 283.49M | 305.63M | 311.56M | 315.68M | 321.09M | 362.19M | 378.22M | 400.12M | 501.55M |
| NII Growth % | 7.2% | 7.81% | 1.94% | 1.32% | 1.71% | 12.8% | 4.43% | 5.79% | 25.35% |
| Net Interest Margin % | 3.1% | 3.2% | 3.21% | 2.89% | 2.67% | 3.09% | 2.84% | 2.9% | 3.14% |
| Interest Income | 309.41M | 344.25M | 367.53M | 348.28M | 339.88M | 384.07M | 522.79M | 611.67M | 710.99M |
| Interest Expense | 25.91M | 38.63M | 55.98M | 32.6M | 18.79M | 21.88M | 144.57M | 211.55M | 209.45M |
| Loan Loss Provision | 30.99M | 28.83M | 25.41M | 51.13M | -8.26M | 17.15M | 25.27M | 19.61M | 32.25M |
| Non-Interest Income | 115.72M | 120.55M | 139.87M | 142.98M | 154.88M | 152.93M | 139.56M | 174.32M | 156.44M |
| Non-Interest Income % | 27.22% | 25.93% | 27.57% | 29.1% | 31.3% | 28.48% | 21.07% | 22.18% | 18.03% |
| Total Revenue | 425.13M▲ 0% | 464.8M▲ 9.3% | 507.4M▲ 9.2% | 491.26M▼ 3.2% | 494.75M▲ 0.7% | 537M▲ 8.5% | 662.35M▲ 23.3% | 785.99M▲ 18.7% | 867.43M▲ 10.4% |
| Revenue Growth % | 6.49% | 9.33% | 9.16% | -3.18% | 0.71% | 8.54% | 23.34% | 18.67% | 10.36% |
| Non-Interest Expense | 240.07M | 260.34M | 270.58M | 274.44M | 284.37M | 301.82M | 339.05M | 375.38M | 406.29M |
| Efficiency Ratio | 56.47% | 56.01% | 53.33% | 55.86% | 57.48% | 56.2% | 51.19% | 47.76% | 46.84% |
| Operating Income | 128.16M▲ 0% | 137M▲ 6.9% | 155.43M▲ 13.5% | 133.09M▼ 14.4% | 199.86M▲ 50.2% | 196.16M▼ 1.9% | 153.46M▼ 21.8% | 179.46M▲ 16.9% | 219.44M▲ 22.3% |
| Operating Margin % | 30.15% | 29.48% | 30.63% | 27.09% | 40.4% | 36.53% | 23.17% | 22.83% | 25.3% |
| Operating Income Growth % | 7.88% | 6.9% | 13.45% | -14.38% | 50.17% | -1.85% | -21.77% | 16.94% | 22.28% |
| Pretax Income | 128.16M▲ 0% | 137M▲ 6.9% | 155.43M▲ 13.5% | 133.09M▼ 14.4% | 199.86M▲ 50.2% | 196.16M▼ 1.9% | 153.46M▼ 21.8% | 179.46M▲ 16.9% | 219.44M▲ 22.3% |
| Pretax Margin % | 30.15% | 29.48% | 30.63% | 27.09% | 40.4% | 36.53% | 23.17% | 22.83% | 25.3% |
| Income Tax | 46.01M | 24.44M | 34.41M | 28.7M | 44.97M | 44.16M | 34.68M | 38.82M | 50.21M |
| Effective Tax Rate % | 35.9% | 17.84% | 22.14% | 21.56% | 22.5% | 22.51% | 22.6% | 21.63% | 22.88% |
| Net Income | 82.15M▲ 0% | 112.57M▲ 37.0% | 121.02M▲ 7.5% | 104.39M▼ 13.7% | 154.88M▲ 48.4% | 152M▼ 1.9% | 118.78M▼ 21.9% | 140.64M▲ 18.4% | 169.24M▲ 20.3% |
| Net Margin % | 19.32% | 24.22% | 23.85% | 21.25% | 31.31% | 28.3% | 17.93% | 17.89% | 19.51% |
| Net Income Growth % | 4.77% | 37.02% | 7.51% | -13.74% | 48.37% | -1.87% | -21.85% | 18.4% | 20.33% |
| Net Income (Continuing) | 82.15M | 112.57M | 121.02M | 104.39M | 154.88M | 152M | 118.78M | 140.64M | 169.24M |
| EPS (Diluted) | 1.87▲ 0% | 2.56▲ 36.9% | 2.74▲ 7.0% | 2.37▼ 13.5% | 3.54▲ 49.4% | 3.52▼ 0.6% | 2.65▼ 24.7% | 2.96▲ 11.7% | 3.33▲ 12.5% |
| EPS Growth % | 3.89% | 36.9% | 7.03% | -13.5% | 49.37% | -0.56% | -24.72% | 11.7% | 12.5% |
| EPS (Basic) | 1.89 | 2.58 | 2.76 | 2.39 | 3.57 | 3.54 | 2.67 | 2.98 | 3.34 |
| Diluted Shares Outstanding | 43.91M | 44.02M | 44.12M | 43.99M | 43.72M | 43.18M | 44.77M | 47.43M | 50.88M |
NBTB Balance Sheet
NBT Bancorp Inc. (NBTB) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 1.42B | 1.18B | 1.19B | 2.02B | 2.96B | 1.72B | 1.64B | 420.42M | 185.16M |
| Cash & Due from Banks | 159.66M | 180.96M | 216.84M | 672.68M | 1.27B | 197.35M | 205.19M | 284.06M | 185.16M |
| Short Term Investments | 1.26B | 998.5M | 975.34M | 1.35B | 1.69B | 1.53B | 1.43B | 136.37M | 0 |
| Total Investments | 8.26B | 8.63B | 8.71B | 9.39B | 9.86B | 10.53B | 11.91B | 12.32B | 14.53B |
| Investments Growth % | 3.2% | 4.51% | 0.94% | 7.79% | 5.07% | 6.75% | 13.17% | 3.44% | 17.92% |
| Long-Term Investments | 7B | 7.63B | 7.73B | 8.04B | 8.17B | 9B | 10.48B | 12.19B | 14.53B |
| Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | 281.46M | 290.37M | 286.79M | 292.28M | 289.47M | 288.55M | 402.29M | 399.02M | 510.93M |
| Goodwill | 268.04M | 274.77M | 274.77M | 280.54M | 280.54M | 281.2M | 361.85M | 362.66M | 453.28M |
| Intangible Assets | 13.42M | 15.6M | 12.02M | 11.73M | 8.93M | 7.34M | 40.44M | 36.36M | 57.66M |
| PP&E (Net) | 81.31M | 78.97M | 75.63M | 74.21M | 72.09M | 69.05M | 80.67M | 80.84M | 99.28M |
| Other Assets | 359.11M | 378.77M | 428.61M | 507.74M | 520.07M | 656.92M | 707.48M | 699.14M | 584.76M |
| Total Current Assets | 1.42B | 1.18B | 1.19B | 2.02B | 2.96B | 1.72B | 1.64B | 420.42M | 237.16M |
| Total Non-Current Assets | 7.72B | 8.38B | 8.52B | 8.91B | 9.06B | 10.01B | 11.67B | 13.37B | 15.76B |
| Total Assets | 9.14B▲ 0% | 9.56B▲ 4.6% | 9.72B▲ 1.7% | 10.93B▲ 12.5% | 12.01B▲ 9.9% | 11.74B▼ 2.3% | 13.31B▲ 13.4% | 13.79B▲ 3.6% | 16B▲ 16.0% |
| Asset Growth % | 3.04% | 4.59% | 1.67% | 12.53% | 9.87% | -2.27% | 13.37% | 3.59% | 16.02% |
| Return on Assets (ROA) | 0.91% | 1.2% | 1.26% | 1.01% | 1.35% | 1.28% | 0.95% | 1.04% | 1.14% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 909.19M | 1.05B | 820.68M | 406.73M | 311.48M | 787.95M | 637.39M | 414.98M | 327.42M |
| Net Debt | 749.52M | 865.66M | 603.84M | -265.95M | -957.6M | 590.6M | 432.2M | 130.93M | 142.26M |
| Long-Term Debt | 190.06M | 174.92M | 165.41M | 238.34M | 213.68M | 202.94M | 250.74M | 252.04M | 179.35M |
| Short-Term Debt | 719.12M | 871.7M | 655.27M | 168.39M | 97.8M | 585.01M | 386.65M | 162.94M | 148.07M |
| Other Liabilities | 98.81M | 123.63M | 187.03M | 256.87M | 215.71M | 281.86M | 276.97M | 298.78M | 3.62B |
| Total Current Liabilities | 7.89B | 8.24B | 8.24B | 9.25B | 10.33B | 10.08B | 11.36B | 11.71B | 148.07M |
| Total Non-Current Liabilities | 288.88M | 298.55M | 352.43M | 495.21M | 429.39M | 484.8M | 527.7M | 550.82M | 3.8B |
| Total Liabilities | 8.18B | 8.54B | 8.6B | 9.75B | 10.76B | 10.57B | 11.88B | 12.26B | 14.1B |
| Total Equity | 958.18M▲ 0% | 1.02B▲ 6.2% | 1.12B▲ 10.1% | 1.19B▲ 6.0% | 1.25B▲ 5.3% | 1.17B▼ 6.1% | 1.43B▲ 21.5% | 1.53B▲ 7.0% | 1.9B▲ 24.2% |
| Equity Growth % | 4.91% | 6.23% | 10.07% | 6% | 5.29% | -6.15% | 21.48% | 7.05% | 24.25% |
| Equity / Assets (Capital Ratio) | 10.49% | 10.65% | 11.53% | 10.86% | 10.41% | 10% | 10.71% | 11.07% | 11.85% |
| Return on Equity (ROE) | 8.78% | 11.39% | 11.32% | 9.05% | 12.71% | 12.54% | 9.14% | 9.53% | 9.89% |
| Book Value per Share | 21.82 | 23.12 | 25.39 | 27.00 | 28.60 | 27.18 | 31.84 | 32.17 | 37.27 |
| Tangible BV per Share | 15.41 | 16.53 | 18.89 | 20.35 | 21.98 | 20.50 | 22.86 | 23.76 | 27.23 |
| Common Stock | 497K | 497K | 497K | 497K | 497K | 497K | 540K | 540K | 591K |
| Additional Paid-in Capital | 574.21M | 575.47M | 576.71M | 578.08M | 576.98M | 577.85M | 740.94M | 742.81M | 964.78M |
| Retained Earnings | 543.71M | 621.2M | 696.21M | 749.06M | 856.2M | 958.43M | 1.02B | 1.1B | 1.2B |
| Accumulated OCI | -22.08M | -43.17M | -19.03M | 417K | -23.34M | -190.03M | -160.93M | -142.1M | -82.6M |
| Treasury Stock | -138.16M | -136.08M | -134M | -140.43M | -159.88M | -173.19M | -176.69M | -175.32M | -183.41M |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
NBTB Cash Flow Statement
NBT Bancorp Inc. (NBTB) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 136.9M | 147.77M | 153.46M | 145.27M | 159.19M | 183.22M | 157.46M | 188.57M | 235.22M |
| Operating CF Growth % | 25.02% | 7.94% | 3.85% | -5.34% | 9.58% | 15.1% | -14.06% | 19.76% | 24.74% |
| Net Income | 82.15M | 112.57M | 121.02M | 104.39M | 154.88M | 152M | 118.78M | 140.64M | 169.24M |
| Depreciation & Amortization | 13.02M | 13.32M | 20.32M | 20.55M | 12.7M | 19.06M | 22.27M | 27.5M | 316K |
| Deferred Taxes | 4.41M | 0 | 0 | 0 | 0 | -19.85M | 5.96M | 8.73M | 0 |
| Other Non-Cash Items | 26.29M | 27.5M | 14.69M | 62.82M | -837K | 15.55M | 33.25M | 4.96M | 90.93M |
| Working Capital Changes | 7.4M | -9.55M | -6.77M | -47.07M | -11.98M | 11.93M | -27.91M | 748K | -24.59M |
| Cash from Investing | -305.19M | -417.62M | -64.34M | -712.59M | -547.61M | -926.22M | -44.23M | -399.16M | 169.07M |
| Purchase of Investments | -294.51M | -533.05M | -323.72M | -920.88M | -1.07B | -630.6M | -88.03M | -376.24M | 0 |
| Sale/Maturity of Investments | 410.74M | 464.82M | 527.48M | 582.54M | 578.01M | 391.28M | 341.98M | 314.49M | 491K |
| Net Investment Activity | 116.23M | -68.23M | 203.76M | -338.34M | -496.97M | -239.33M | 253.95M | -61.75M | 491K |
| Acquisitions | -4M | -7.88M | 0 | -6.76M | -1.55M | -2.62M | 44.56M | -1.38M | 0 |
| Other Investing | -410.73M | -334.1M | -261.46M | -359.33M | -41.35M | -677.26M | -333.49M | -324.28M | 168.58M |
| Cash from Financing | 178.77M | 291.14M | -53.23M | 1.02B | 984.81M | -328.73M | -105.39M | 289.46M | -201.23M |
| Dividends Paid | -40.1M | -43.27M | -46.01M | -47.21M | -47.74M | -49.77M | -55.89M | -62.26M | -72.59M |
| Share Repurchases | 0 | 0 | 0 | -7.98M | -21.71M | -14.71M | -4.94M | -251K | -10.19M |
| Stock Issued | 3.31M | 1.3M | 725K | 0 | 0 | 0 | 0 | 0 | 117K |
| Net Stock Activity | 3.31M | 1.3M | 725K | -7.98M | -21.71M | -14.71M | -4.94M | -251K | -10.07M |
| Debt Issuance (Net) | 1000K | 1000K | -1000K | -1000K | -1000K | 1000K | -1000K | -1000K | -1000K |
| Other Financing | 193.37M | 195.68M | 217.99M | 1.49B | 1.15B | -740.29M | 162.3M | 575.84M | 83.97M |
| Net Change in Cash | 10.48M▲ 0% | 21.29M▲ 103.1% | 35.89M▲ 68.6% | 455.84M▲ 1170.2% | 596.39M▲ 30.8% | -1.07B▼ 279.7% | 7.84M▲ 100.7% | 78.87M▲ 906.1% | 203.06M▲ 157.5% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 149.18M | 159.66M | 180.96M | 216.84M | 672.68M | 1.27B | 197.35M | 205.19M | 284.06M |
| Cash at End | 159.66M | 180.96M | 216.84M | 672.68M | 1.27B | 197.35M | 205.19M | 284.06M | 487.12M |
| Interest Paid | 25.89M | 36.69M | 55.91M | 31.69M | 20.29M | 20.61M | 130.18M | 215.15M | 215.59M |
| Income Taxes Paid | 33.67M | 31.9M | 28.37M | 45.79M | 46.1M | 62.8M | 27.64M | 23.32M | 24.57M |
| Free Cash Flow | 130.21M▲ 0% | 140.37M▲ 7.8% | 146.82M▲ 4.6% | 137.12M▼ 6.6% | 151.44M▲ 10.5% | 176.21M▲ 16.4% | 148.2M▼ 15.9% | 176.82M▲ 19.3% | 218.92M▲ 23.8% |
| FCF Growth % | 22.61% | 7.8% | 4.59% | -6.61% | 10.45% | 16.36% | -15.9% | 19.31% | 23.8% |
NBTB Banking Ratios
NBT Bancorp Inc. (NBTB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 8.73% | 8.78% | 11.39% | 11.32% | 9.05% | 12.71% | 12.54% | 9.14% | 9.53% | 9.89% |
| Return on Assets (ROA) | 0.92% | 0.91% | 1.2% | 1.26% | 1.01% | 1.35% | 1.28% | 0.95% | 1.04% | 1.14% |
| Net Interest Margin | 2.98% | 3.1% | 3.2% | 3.21% | 2.89% | 2.67% | 3.09% | 2.84% | 2.9% | 3.14% |
| Efficiency Ratio | 58.23% | 56.47% | 56.01% | 53.33% | 55.86% | 57.48% | 56.2% | 51.19% | 47.76% | 46.84% |
| Equity / Assets | 10.3% | 10.49% | 10.65% | 11.53% | 10.86% | 10.41% | 10% | 10.71% | 11.07% | 11.85% |
| Book Value / Share | 20.94 | 21.82 | 23.12 | 25.39 | 27 | 28.6 | 27.18 | 31.84 | 32.17 | 37.27 |
| NII Growth | 4.68% | 7.2% | 7.81% | 1.94% | 1.32% | 1.71% | 12.8% | 4.43% | 5.79% | 25.35% |
| Dividend Payout | 49.59% | 48.82% | 38.44% | 38.02% | 45.22% | 30.82% | 32.74% | 47.05% | 44.27% | 42.9% |
NBTB SEC Filings & Documents
NBT Bancorp Inc. (NBTB) SEC filings — annual & quarterly reports (10-K, 10-Q)
NBTB Frequently Asked Questions
NBT Bancorp Inc. (NBTB) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
NBT Bancorp Inc. (NBTB) grew revenue by 10.4% over the past year. This is steady growth.
Yes, NBT Bancorp Inc. (NBTB) is profitable, generating $169.2M in net income for fiscal year 2025 (19.5% net margin).
Dividend & Returns
Yes, NBT Bancorp Inc. (NBTB) pays a dividend with a yield of 3.19%. This makes it attractive for income-focused investors.
NBT Bancorp Inc. (NBTB) has a return on equity (ROE) of 9.9%. This is below average, suggesting room for improvement.
Industry Metrics
NBT Bancorp Inc. (NBTB) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.
NBT Bancorp Inc. (NBTB) has an efficiency ratio of 46.8%. This is excellent, indicating strong cost control.
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NBT Bancorp Inc. (NBTB) financial analysis — history, returns, DCA and operating performance tools
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