NBTB NASDAQ
NBT Bancorp Inc.
1W: +3.3%
1M: +2.5%
3M: +1.4%
YTD: +11.2%
1Y: +7.7%
3Y: +52.9%
5Y: +32.0%
$45.93
+0.07 (+0.15%)
Weekly Expected Move ±3.4%
$41
$43
$44
$46
$47
Overview
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Smart Money
Financials
Income Statement
Cash Flow
Balance Sheet
Earnings
Dividends
Analysis
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ESG
Institutions
ETF Exposure
Dark Pool
Short Interest
Supply Chain
Balance Sheet Trends
Total Assets
$16.0B
+16.0% ▲
5Y CAGR: +7.9%
Total Liabilities
$14.1B
+15.0% ▲
5Y CAGR: +7.7%
Shareholders Equity
$1.9B
+24.2% ▲
5Y CAGR: +9.8%
Cash & Investments
$185M
-56.0% ▼
5Y CAGR: -38.0%
Total Debt
$327M
-21.1% ▼
5Y CAGR: -4.2%
Net Debt
$142M
+8.7% ▲
Assets vs Liabilities & Equity
Year-over-Year Growth
View Full Balance Sheet
| Line Item | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| — Assets — | |||||
| Cash | $1.3B | $197M | $205M | $284M | $185M |
| Short-Term Investments | $1.7B | $1.5B | $1.4B | $136M | $0 |
| Cash & ST Investments | $3.0B | $1.7B | $1.6B | $420M | $185M |
| Net Receivables | $0 | $0 | $0 | $0 | $52M |
| Inventory | $0 | $0 | $0 | $0 | $0 |
| Other Current Assets | $0 | $0 | $0 | $0 | $0 |
| Total Current Assets | $3.0B | $1.7B | $1.6B | $420M | $237M |
| Property, Plant & Equip. | $72M | $69M | $81M | $81M | $99M |
| Goodwill & Intangibles | $289M | $289M | $402M | $399M | $511M |
| Long-Term Investments | $8.2B | $9.0B | $10.5B | $12.2B | $14.5B |
| Other Non-Current Assets | $520M | $657M | $707M | $699M | $585M |
| Total Non-Current Assets | $9.1B | $10.0B | $11.7B | $13.4B | $15.8B |
| Total Assets | $12.0B | $11.7B | $13.3B | $13.8B | $16.0B |
| — Liabilities — | |||||
| Accounts Payable | $0 | $0 | $0 | $0 | $0 |
| Short-Term Debt | $98M | $585M | $387M | $163M | $148M |
| Deferred Revenue | $0 | $0 | $0 | $0 | $0 |
| Other Current Liabilities | $10.2B | $9.5B | $11.0B | $11.5B | $0 |
| Total Current Liabilities | $10.3B | $10.1B | $11.4B | $11.7B | $148M |
| Long-Term Debt | $214M | $203M | $251M | $252M | $179M |
| Other Non-Current Liab. | $216M | $282M | $277M | $299M | $3.6B |
| Total Non-Current Liabilities | $429M | $485M | $528M | $551M | $3.8B |
| Total Liabilities | $10.8B | $10.6B | $11.9B | $12.3B | $14.1B |
| — Equity — | |||||
| Common Stock | $497K | $497K | $540K | $540K | $591K |
| Retained Earnings | $856M | $958M | $1.0B | $1.1B | $1.2B |
| Accumulated OCI | -$23M | -$190M | -$161M | -$142M | -$83M |
| Total Stockholders Equity | $1.3B | $1.2B | $1.4B | $1.5B | $1.9B |
| Total Liabilities & Equity | $12.0B | $11.7B | $13.3B | $13.8B | $16.0B |
| — Key Metrics — | |||||
| Total Debt | $311M | $788M | $637M | $415M | $327M |
| Net Debt | -$958M | $591M | $432M | $131M | $142M |
| Total Investments | $9.9B | $10.5B | $11.9B | $12.3B | $14.5B |