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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Chart
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Financials
Income Statement
Cash Flow
Balance Sheet
Earnings
Dividends
Analysis
Technicals
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ESG
Institutions
ETF Exposure
Dark Pool
Short Interest
Supply Chain
Revenue Segmentation
By Product / Service
Revenue by Segment (5-Year Trend)
Income Trends
Revenue
$867M
+10.4% ▲
5Y CAGR: +12.0%
Gross Profit
$626M
+12.8% ▲
5Y CAGR: +9.0%
Operating Income
$219M
+22.3% ▲
5Y CAGR: +10.5%
Net Income
$169M
+20.3% ▲
5Y CAGR: +10.1%
EPS (Diluted)
$3.33
+12.5% ▲
5Y CAGR: +7.0%
EBITDA
$241M
+16.5% ▲
5Y CAGR: +9.4%
Profit Margins
Year-over-Year Growth
View Full Income Statement
| Line Item | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| Revenue | $495M | $537M | $662M | $786M | $867M |
| YoY Growth | +0.7% | +8.5% | +23.3% | +18.7% | +10.4% |
| Cost of Revenue | $11M | $39M | $170M | $231M | $242M |
| Gross Profit | $484M | $498M | $493M | $555M | $626M |
| Gross Margin | 97.9% | 92.7% | 74.4% | 70.6% | 72.1% |
| R&D Expenses | $0 | $0 | $0 | $0 | $0 |
| SG&A Expenses | $178M | $194M | $204M | $243M | $87M |
| Operating Expenses | $284M | $302M | $339M | $375M | $406M |
| Operating Income | $200M | $196M | $153M | $179M | $219M |
| Operating Margin | 40.4% | 36.5% | 23.2% | 22.8% | 25.3% |
| Interest Expense | $19M | $22M | $145M | $212M | $209M |
| Income Before Tax | $200M | $196M | $153M | $179M | $219M |
| Tax Expense | $45M | $44M | $35M | $39M | $50M |
| Net Income | $155M | $152M | $119M | $141M | $169M |
| Net Margin | 31.3% | 28.3% | 17.9% | 17.9% | 19.5% |
| EPS (Diluted) | $3.54 | $3.52 | $2.65 | $2.96 | $3.33 |
| EBITDA | $220M | $215M | $176M | $207M | $241M |
| Shares Outstanding | 44M | 43M | 45M | 47M | 51M |