What is Nbt Bancorp Inc's earnings per share (EPS)?

Nbt Bancorp Inc (NBTB) reported diluted earnings per share of $3.33 for fiscal year 2025. This represents a 12.1% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Nbt Bancorp Inc (NBTB) Financials

NBTB

FY2025 annual

Revenue $183.0M +10.4% YoY

Net Income $169.2M +20.3% YoY

EPS (Diluted) $3.33 +12.1% YoY

Free Cash Flow $218.9M +23.8% YoY

Market Cap $2.7B as of Sep 3, 2026

Price / Sales 14.7x on $183.0M revenue, FY2025

Price / Earnings 15.9x on $169.2M net income, FY2025

Price / Book 1.4x on $1.9B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 3, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 7, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the NBTB SEC filings page.

Nbt Bancorp Inc (NBTB) reported $183.0M in revenue for fiscal year 2025, up 10.4% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI NBTB FY2025 2026-08-29

Balance-sheet expansion and falling leverage now matter more than margin analysis for this deposit-funded banking business.

From FY2023 to FY2025, total assets expanded from $13.3B to $16.0B, indicating a materially larger operating platform rather than a simple earnings rebound. Over the same span, debt-to-equity declined from 8.3x to 7.4x, suggesting that growth was accompanied by proportionally stronger equity support instead of relying entirely on additional liabilities.

FY2025 free cash flow of $219M exceeded net income of $169M while remaining close to operating cash flow, implying that reported cash generation was not dependent on accounting profit alone. For a bank, that gap can reflect noncash items and balance-sheet movements, so cash flow should be read alongside the funding structure.

Interest expense stayed near $209M in FY2025 after $212M in FY2024, meaning the earnings improvement was not simply the result of sharply lower funding costs. Returns remained modest relative to assets, with ROA at 1.1% and ROE at 8.9%, consistent with a balance-sheet-heavy model.

Financial Health Signals

Financial Health Score 45/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Nbt Bancorp Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Nbt Bancorp Inc earned a return on assets of 1.1% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 1.0% the prior year. Earnings ranks banks on that return over three years, and Nbt Bancorp Inc scores 62/100 among other banks.

Growth

Nbt Bancorp Inc reported revenue of $183.0M in fiscal year 2025, against $165.7M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Nbt Bancorp Inc scores 63/100 among other banks.

Capital

Nbt Bancorp Inc funded 11.9% of its assets with shareholders' equity at the end of fiscal year 2025, holding $1.9B of equity against $16.0B of assets. Capital ranks banks on that cushion, and Nbt Bancorp Inc scores 56/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Nbt Bancorp Inc scores 4/100 on it among other banks.

Credit Quality

Not available for Nbt Bancorp Inc, and counted as zero in the overall score.

Stability

Nbt Bancorp Inc reported net income of $169.2M in fiscal year 2025, against $140.6M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Nbt Bancorp Inc scores 85/100 among other banks.

Piotroski F-Score Partial

4/6

Nbt Bancorp Inc passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.39x

For every $1 of reported earnings, Nbt Bancorp Inc generates $1.39 in operating cash flow ($235.2M OCF vs $169.2M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$185.8M

YoY+4.6%

QoQ+1.7%

Nbt Bancorp Inc generated $185.8M in revenue in Q2 2026. This represents an increase of 4.6% from the same quarter a year earlier. Against the prior quarter it is up 1.7%.

Net Income

$53.0M

YoY+135.6%

QoQ+3.7%

Nbt Bancorp Inc reported $53.0M in net income in Q2 2026. This represents an increase of 135.6% from the same quarter a year earlier. Against the prior quarter it is up 3.7%.

EPS (Diluted)

$1.02

YoY+131.8%

QoQ+4.1%

5Y CAGR+2.1%

10Y CAGR+8.3%

Nbt Bancorp Inc earned $1.02 per diluted share (EPS) in Q2 2026. This represents an increase of 131.8% from the same quarter a year earlier. Against the prior quarter it is up 4.1%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$60.5M

YoY+37.1%

QoQ+24.5%

5Y CAGR+3.4%

10Y CAGR+11.6%

Nbt Bancorp Inc generated $60.5M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 37.1% from the same quarter a year earlier. Against the prior quarter it is up 24.5%.

Cash & Debt

$294.7M

YoY-45.6%

QoQ-58.9%

5Y CAGR-22.7%

10Y CAGR+5.6%

Nbt Bancorp Inc held $294.7M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.37

YoY+8.8%

QoQ0.0%

5Y CAGR+6.5%

Nbt Bancorp Inc paid $0.37 per share in dividends in Q2 2026. This represents an increase of 8.8% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

52M

YoY-0.8%

QoQ-0.1%

5Y CAGR+3.7%

10Y CAGR+1.9%

Nbt Bancorp Inc had 52M shares outstanding in Q2 2026. This represents a decrease of 0.8% from the same quarter a year earlier. Against the prior quarter it is down 0.1%.

Margins & Returns

Net Margin

28.5%

YoY+15.9pp

QoQ+0.5pp

Nbt Bancorp Inc's net profit margin was 28.5% in Q2 2026, showing the share of revenue converted to profit. This is up 15.9 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.5 percentage points.

Return on Equity

2.7%

YoY+1.5pp

QoQ+0.1pp

Nbt Bancorp Inc's ROE was 2.7% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 1.5 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.1 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$3.0M

QoQ-72.6%

5Y CAGR+28.8%

Nbt Bancorp Inc spent $3.0M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. Against the prior quarter it is down 72.6%.

Capital Expenditures

$1.4M

YoY-41.6%

QoQ-69.3%

5Y CAGR-9.5%

10Y CAGR+11.5%

Nbt Bancorp Inc invested $1.4M in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 41.6% from the same quarter a year earlier. Against the prior quarter it is down 69.3%.

R&D Spending

Not reported for Q2 2026.

NBTB Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

NBTB quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	N/A	$183.0M+10.4%	$165.7M+14.5%	$144.7M-3.9%	$150.7M-0.2%	$151.0M+7.2%	$140.9M+4.8%	$134.5M+6.7%	$126.0M+11.1%	$113.4M+2.1%	$111.2M-59.3%	$273.2M-0.7%	$275.1M+2.4%	$268.7M+12.2%	$239.4M-0.3%	$240.0M
SG&A Expenses	N/A	$257.5M+10.7%	$232.5M+19.7%	$194.3M+3.4%	$187.8M+8.8%	$172.6M+6.6%	$161.9M+3.2%	$156.9M+3.4%	$151.7M+12.2%	$135.2M+2.4%	$132.1M+5.1%	$125.6M+5.0%	$119.7M+5.4%	$113.6M+8.4%	$104.8M+5.6%	$99.2M
Interest Expense	N/A	$209.4M-1.0%	$211.5M+46.3%	$144.6M+560.7%	$21.9M+16.5%	$18.8M-42.4%	$32.6M-41.8%	$56.0M+44.9%	$38.6M+49.1%	$25.9M+15.1%	$22.5M+9.2%	$20.6M-11.1%	$23.2M-24.3%	$30.6M-12.9%	$35.2M-11.4%	$39.7M
Income Tax	N/A	$50.2M+29.3%	$38.8M+11.9%	$34.7M-21.5%	$44.2M-1.8%	$45.0M+56.7%	$28.7M-16.6%	$34.4M+40.8%	$24.4M-46.9%	$46.0M+13.9%	$40.4M+0.5%	$40.2M+8.0%	$37.2M+32.0%	$28.2M+23.6%	$22.8M+7.3%	$21.3M
Net Income	N/A	$169.2M+20.3%	$140.6M+18.4%	$118.8M-21.9%	$152.0M-1.9%	$154.9M+48.4%	$104.4M-13.7%	$121.0M+7.5%	$112.6M+37.0%	$82.2M+4.8%	$78.4M+2.6%	$76.4M+1.8%	$75.1M+21.6%	$61.7M+13.2%	$54.6M-5.8%	$57.9M
EPS (Basic)	N/A	$3.34+12.1%	$2.98+11.6%	$2.67-24.6%	$3.54-0.8%	$3.57+49.4%	$2.39-13.4%	$2.76+7.0%	$2.58+36.5%	$1.89+4.4%	$1.81+4.0%	$1.74+1.8%	$1.71+16.3%	$1.47-9.8%	$1.63-5.2%	$1.72
EPS (Diluted)	$4.10	$3.33+12.1%	$2.97+12.1%	$2.65-24.7%	$3.52-0.6%	$3.54+49.4%	$2.37-13.5%	$2.74+7.0%	$2.56+36.9%	$1.87+3.9%	$1.80+4.7%	$1.72+1.8%	$1.69+15.8%	$1.46-9.9%	$1.62-5.3%	$1.71
Diluted Shares (Avg)	N/A	51M+7.3%	47M+5.9%	45M+3.7%	43M-1.2%	44M-0.6%	44M-0.3%	44M+0.2%	44M+100161.9%	43,905+0.6%	43,622-1.7%	44,3890.0%	44,395-99.9%	42M+25.6%	34M-0.6%	34M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$185.8M+4.6%	$182.6M+18.3%	N/A	$190.5M+21.9%	$177.6M+17.8%	$154.4M+5.1%	N/A	$156.2M+14.0%
SG&A Expenses	$69.0M+7.6%	$68.8M+13.3%	N/A	$66.6M+11.7%	$64.2M+15.8%	$60.7M+9.0%	N/A	$59.6M+21.1%
Interest Expense	$48.8M-8.5%	$48.3M+2.4%	N/A	$55.8M+2.3%	$53.4M-0.4%	$47.2M-8.9%	N/A	$54.6M+29.3%
Income Tax	$16.1M+96.2%	$15.5M+48.3%	N/A	$17.4M+62.5%	$8.2M-10.9%	$10.5M+11.6%	N/A	$10.7M+50.5%
Net Income	$53.0M+135.6%	$51.1M+39.2%	N/A	$54.5M+43.0%	$22.5M-31.2%	$36.7M+8.6%	N/A	$38.1M+54.8%
EPS (Basic)	$1.02+126.7%	$0.98+25.6%	$1.07+40.8%	$1.04+28.4%	$0.45-34.8%	$0.78+8.3%	$0.76+16.9%	$0.81+50.0%
EPS (Diluted)	$1.02+131.8%	$0.98+27.3%	$1.07+40.8%	$1.03+28.7%	$0.44-36.2%	$0.77+8.5%	$0.76+18.8%	$0.80+48.1%
Diluted Shares (Avg)	52M+2.8%	52M+10.3%	N/A	52M+11.1%	51M+7.2%	47M+0.2%	N/A	47M+4.4%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

NBTB Balance Sheet

NBTB quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$16.0B+16.0%	$13.8B+3.6%	$13.3B+13.4%	$11.7B-2.3%	$12.0B+9.9%	$10.9B+12.5%	$9.7B+1.7%	$9.6B+4.6%	$9.1B+3.0%	$8.9B+7.3%	$8.3B+5.8%	$7.8B+2.0%	$7.7B+26.6%	$6.0B+7.9%	$5.6B
Cash & Equivalents	$487.1M+71.5%	$284.1M+38.4%	$205.2M+4.0%	$197.3M-84.4%	$1.3B+88.7%	$672.7M+210.2%	$216.8M+19.8%	$181.0M+13.3%	$159.7M+7.0%	$149.2M+6.3%	$140.3M-4.3%	$146.6M-7.7%	$158.9M-2.9%	$163.7M+26.5%	$129.4M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$453.3M+25.0%	$362.7M+0.2%	$361.9M+28.7%	$281.2M+0.2%	$280.5M0.0%	$280.5M+2.1%	$274.8M0.0%	$274.8M+2.5%	$268.0M+1.0%	$265.4M-0.2%	$266.0M+0.9%	$263.6M-0.5%	$265.0M+73.9%	$152.4M+15.4%	$132.0M
Total Liabilities	$14.1B+15.0%	$12.3B+3.2%	$11.9B+12.5%	$10.6B-1.8%	$10.8B+10.4%	$9.7B+13.4%	$8.6B+0.7%	$8.5B+4.4%	$8.2B+2.8%	$8.0B+7.8%	$7.4B+6.3%	$6.9B+1.6%	$6.8B+25.2%	$5.5B+7.9%	$5.1B
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$73.7M-17.0%	$88.9M-14.6%	$104.1M-20.2%	$130.4M-0.4%	$130.9M-57.6%	$308.8M-16.0%	$367.5M-0.8%	$370.3M
Total Equity	$1.9B+24.2%	$1.5B+7.0%	$1.4B+21.5%	$1.2B-6.1%	$1.3B+5.3%	$1.2B+6.0%	$1.1B+10.1%	$1.0B+6.2%	$958.2M+4.9%	$913.3M+3.6%	$882.0M+2.1%	$864.2M+5.8%	$816.6M+40.2%	$582.3M+8.2%	$538.1M
Retained Earnings	$1.2B+8.8%	$1.1B+7.7%	$1.0B+6.6%	$958.4M+11.9%	$856.2M+14.3%	$749.1M+7.6%	$696.2M+12.1%	$621.2M+14.3%	$543.7M+8.4%	$501.8M+8.6%	$462.2M+9.0%	$424.0M+9.9%	$385.8M+7.9%	$357.6M+8.4%	$330.0M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$16.2B+1.2%	$16.2B+16.9%	$16.0B+16.0%	$16.1B+16.4%	$16.0B+18.6%	$13.9B+3.2%	$13.8B+3.6%	$13.8B+0.1%
Cash & Equivalents	$294.7M-45.6%	$716.1M+181.8%	$487.1M+71.5%	$640.2M+32.7%	$541.6M+161.0%	$254.1M-20.4%	$284.1M+38.4%	$482.5M-28.3%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$453.3M-0.2%	$453.3M+25.0%	$453.3M+25.0%	$454.1M+25.4%	$454.1M+25.5%	$362.7M+0.2%	$362.7M+0.2%	$362.0M+0.5%
Total Liabilities	$14.3B+0.4%	$14.3B+16.2%	$14.1B+15.0%	$14.3B+15.8%	$14.2B+18.0%	$12.3B+2.5%	$12.3B+3.2%	$12.3B-1.2%
Total Equity	$1.9B+7.7%	$1.9B+22.3%	$1.9B+24.2%	$1.9B+21.8%	$1.8B+23.5%	$1.6B+8.6%	$1.5B+7.0%	$1.5B+11.7%
Retained Earnings	$1.3B+12.2%	$1.2B+9.6%	$1.2B+8.8%	$1.2B+7.4%	$1.1B+6.4%	$1.1B+7.7%	$1.1B+7.7%	$1.1B+7.3%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

NBTB Cash Flow Statement

NBTB quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$261.7M	$235.2M+24.7%	$188.6M+19.8%	$157.5M-14.1%	$183.2M+15.1%	$159.2M+9.6%	$145.3M-5.3%	$153.5M+3.9%	$147.8M+7.9%	$136.9M+23.8%	$110.6M-11.2%	$124.5M+41.8%	$87.8M-26.4%	$119.3M+34.3%	$88.9M+6.1%	$83.8M
Stock-Based Compensation	N/A	$5.3M-11.9%	$6.0M+17.4%	$5.1M+12.6%	$4.5M+2.6%	$4.4M-3.6%	$4.6M+8.8%	$4.2M+7.0%	$3.9M+8.0%	$3.6M-16.8%	$4.4M+7.1%	$4.1M+16.0%	$3.5M-18.2%	$4.3M-1.4%	$4.4M+34.5%	$3.2M
Capital Expenditures	$16.1M	$16.3M+38.8%	$11.7M+26.9%	$9.3M+32.0%	$7.0M-9.4%	$7.7M-5.1%	$8.2M+22.7%	$6.6M-10.2%	$7.4M+10.6%	$6.7M+102.3%	$3.3M-59.6%	$8.2M-9.0%	$9.0M+56.1%	$5.8M-17.6%	$7.0M-29.7%	$10.0M
Free Cash Flow	$245.6M	$218.9M+23.8%	$176.8M+19.3%	$148.2M-15.9%	$176.2M+16.4%	$151.4M+10.5%	$137.1M-6.6%	$146.8M+4.6%	$140.4M+7.8%	$130.2M+21.4%	$107.3M-7.8%	$116.3M+47.6%	$78.8M-30.6%	$113.5M+38.7%	$81.9M+10.9%	$73.8M
Investing Cash Flow	-$484.2M	$169.1M+142.4%	-$399.2M-802.5%	-$44.2M+95.2%	-$926.2M-69.1%	-$547.6M+23.2%	-$712.6M-1007.5%	-$64.3M+84.6%	-$417.6M-36.8%	-$305.2M+51.6%	-$630.0M-25.0%	-$504.0M	N/A	-$183.8M-44.9%	-$126.8M+27.7%	-$175.5M
Financing Cash Flow	-$24.4M	-$201.2M-169.5%	$289.5M+374.7%	-$105.4M+67.9%	-$328.7M-133.4%	$984.8M-3.7%	$1.0B+2022.1%	-$53.2M-118.3%	$291.1M+62.9%	$178.8M-66.2%	$528.3M+41.6%	$373.2M	N/A	$59.7M-17.4%	$72.3M+38.2%	$52.3M
Dividends Paid	$77.2M	$72.6M+16.6%	$62.3M+11.4%	$55.9M+12.3%	$49.8M+4.2%	$47.7M+1.1%	$47.2M+2.6%	$46.0M+6.3%	$43.3M+7.9%	$40.1M+3.1%	$38.9M+1.9%	$38.1M+3.4%	$36.9M+10.1%	$33.5M+25.5%	$26.7M-1.3%	$27.1M
Share Buybacks	$24.2M	$10.2M+3957.8%	$251K-94.9%	$4.9M-66.4%	$14.7M-32.2%	$21.7M+172.1%	$8.0M	$0	$0	$0-100.0%	$17.2M-35.8%	$26.8M+37118.1%	$72K-99.4%	$12.5M-19.6%	$15.5M-49.2%	$30.5M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$61.9M+33.2%	$53.0M+26.3%	$66.1M+34.5%	$80.6M+54.6%	$46.5M-8.0%	$42.0M+14.3%	$49.2M+37.9%	$52.1M-4.6%
Stock-Based Compensation	N/A	$3.4M+55.0%	N/A	N/A	N/A	$2.2M-4.8%	N/A	N/A
Capital Expenditures	$1.4M-41.6%	$4.4M+19.5%	$4.0M+11.0%	$6.2M+44.9%	$2.3M+69.0%	$3.7M+52.6%	$3.6M+24.3%	$4.3M+24.6%
Free Cash Flow	$60.5M+37.1%	$48.6M+26.9%	$62.1M+36.4%	$74.3M+55.5%	$44.1M-10.2%	$38.3M+11.6%	$45.5M+39.1%	$47.8M-6.5%
Investing Cash Flow	-$428.8M-229.2%	-$5.7M+95.0%	-$35.8M+75.7%	-$13.8M+76.2%	$331.9M+283.9%	-$113.2M-762.0%	-$147.6M-406.4%	-$58.0M-187.2%
Financing Cash Flow	-$54.5M+40.1%	$181.6M+340.9%	-$183.4M-83.5%	$31.9M-88.6%	-$90.9M-595.6%	$41.2M-54.4%	-$100.0M+81.9%	$280.8M-19.7%
Dividends Paid	$19.2M+8.0%	$19.2M+19.7%	$19.3M+20.4%	$19.4M+21.0%	$17.8M+18.0%	$16.1M+6.5%	$16.0M+6.4%	$16.0M+6.5%
Share Buybacks	$3.0M	$11.0M	$10.2M	$0	$0-100.0%	$0-100.0%	$0	$0-100.0%

Not reported in any period shown, so not listed: Depreciation & Amortization.

NBTB Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

NBTB quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	92.5%+7.6pp	84.9%+2.8pp	82.1%	100.9%	102.6%	74.1%-15.9pp	90.0%+0.7pp	89.3%+16.9pp	72.4%+1.9pp	70.5%+42.6pp	28.0%+0.7pp	27.3%+4.3pp	23.0%+0.2pp	22.8%-1.3pp	24.1%
Return on Equity	8.9%-0.3pp	9.2%+0.9pp	8.3%-4.6pp	13.0%+0.6pp	12.4%+3.6pp	8.8%-2.0pp	10.8%-0.3pp	11.1%+2.5pp	8.6%0.0pp	8.6%-0.1pp	8.7%0.0pp	8.7%+1.1pp	7.6%-1.8pp	9.4%-1.4pp	10.8%
Return on Assets	1.1%0.0pp	1.0%+0.1pp	0.9%-0.4pp	1.3%0.0pp	1.3%+0.3pp	0.9%-0.3pp	1.3%+0.1pp	1.2%+0.3pp	0.9%0.0pp	0.9%0.0pp	0.9%0.0pp	1.0%+0.1pp	0.8%-0.1pp	0.9%-0.1pp	1.0%
Debt-to-Equity	7.44-0.6x	8.03-0.3x	8.34-0.7x	9.00+0.4x	8.61+0.4x	8.21+0.5x	7.67+7.6x	0.070.0x	0.090.0x	0.110.0x	0.150.0x	0.15-0.2x	0.38-0.3x	0.63-0.1x	0.69
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.04
FCF Margin	119.7%	106.7%	102.4%	117.0%	100.3%	97.3%	109.2%	111.4%	114.8%	96.5%+53.9pp	42.6%+13.9pp	28.6%-13.6pp	42.3%+8.1pp	34.2%+3.4pp	30.8%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	28.5%+15.9pp	28.0%+4.2pp	N/A	28.6%+4.2pp	12.7%-9.0pp	23.8%+0.8pp	N/A	24.4%+6.4pp
Return on Equity	2.7%+1.5pp	2.7%+0.3pp	N/A	2.9%+0.4pp	1.3%-1.0pp	2.4%0.0pp	N/A	2.5%+0.7pp
Return on Assets	0.3%+0.2pp	0.3%+0.1pp	N/A	0.3%+0.1pp	0.1%-0.1pp	0.3%0.0pp	N/A	0.3%+0.1pp
Debt-to-Equity	7.34-0.5x	7.46-0.4x	7.44-0.6x	7.69-0.4x	7.87-0.4x	7.85-0.5x	8.03-0.3x	8.09-1.1x
Asset Turnover	0.010.0x	0.010.0x	N/A	0.010.0x	0.010.0x	0.010.0x	N/A	0.010.0x
FCF Margin	32.6%+7.7pp	26.6%+1.8pp	N/A	39.0%+8.4pp	24.9%-7.7pp	24.8%+1.4pp	N/A	30.6%-6.7pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Nbt Bancorp Inc NBTB	FY2025	$183.0M	$169.2M	92.5%	$2.7B	45/100
First Merchants Corp FRME	FY2025	$924.8M	$226.0M	24.4%	$2.6B	67/100
Enterprise Finl Svcs Corp EFSC	FY2025	$888.4M	$201.4M	22.7%	$2.3B	53/100
Bank of Hi Corp BOH	FY2025	$716.6M	$205.9M	28.7%	$3.0B	40/100
Banner Corp BANR	FY2025	N/A	$195K	N/A	$2.6B	—
Customers Bancorp Inc CUBI	FY2025	$1.4B	$224.1M	16.5%	$2.7B	40/100

Where Nbt Bancorp Inc Ranks

Frequently Asked Questions

What is Nbt Bancorp Inc's annual revenue?

Nbt Bancorp Inc (NBTB) reported $183.0M in total revenue for fiscal year 2025. This represents a 10.4% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Nbt Bancorp Inc's revenue growing?

Nbt Bancorp Inc (NBTB) revenue grew by 10.4% year-over-year, from $165.7M to $183.0M in fiscal year 2025.

Is Nbt Bancorp Inc profitable?

Yes, Nbt Bancorp Inc (NBTB) reported a net income of $169.2M in fiscal year 2025, with a net profit margin of 92.5%.

What is Nbt Bancorp Inc's net profit margin?

Nbt Bancorp Inc (NBTB) had a net profit margin of 92.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Nbt Bancorp Inc pay dividends?

Yes, Nbt Bancorp Inc (NBTB) paid $1.42 per share in dividends during fiscal year 2025.

What is Nbt Bancorp Inc's return on equity (ROE)?

Nbt Bancorp Inc (NBTB) has a return on equity of 8.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Nbt Bancorp Inc's free cash flow?

Nbt Bancorp Inc (NBTB) generated $218.9M in free cash flow during fiscal year 2025. This represents a 23.8% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Nbt Bancorp Inc's operating cash flow?

Nbt Bancorp Inc (NBTB) generated $235.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Nbt Bancorp Inc's total assets?

Nbt Bancorp Inc (NBTB) had $16.0B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Nbt Bancorp Inc's capital expenditures?

Nbt Bancorp Inc (NBTB) invested $16.3M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Nbt Bancorp Inc buy back shares?

Yes, Nbt Bancorp Inc (NBTB) spent $10.2M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Nbt Bancorp Inc have outstanding?

Nbt Bancorp Inc (NBTB) had 52M shares outstanding as of fiscal year 2025.

What is Nbt Bancorp Inc's debt-to-equity ratio?

Nbt Bancorp Inc (NBTB) had a debt-to-equity ratio of 7.44 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Nbt Bancorp Inc's return on assets (ROA)?

Nbt Bancorp Inc (NBTB) had a return on assets of 1.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Nbt Bancorp Inc's P/E ratio?

Nbt Bancorp Inc (NBTB) trades at 15.9x earnings, its market capitalization divided by net income of $169.2M net income, FY2025. The market capitalization is $2.7B as of Sep 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Nbt Bancorp Inc's price-to-sales ratio?

Nbt Bancorp Inc (NBTB) trades at 14.7x sales, its market capitalization divided by revenue of $183.0M revenue, FY2025. The market capitalization is $2.7B as of Sep 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Nbt Bancorp Inc's Piotroski F-Score?

Nbt Bancorp Inc (NBTB) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Nbt Bancorp Inc's earnings high quality?

Nbt Bancorp Inc (NBTB) has an earnings quality ratio of 1.39x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Nbt Bancorp Inc?

Nbt Bancorp Inc (NBTB) scores 45 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.