NBTBNasdaqNational Commercial BanksFiscal year ends December 31

NBT BANCORP INC

Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 7, 2026

$50.68−0.17 (-0.33%)

Close on Oct 19, 2026

Market cap: $2.63B
P/E (TTM): 12.5
Dividend yield: 2.80%

NBT BANCORP INC income statement

Annual Quarterly TTM

Millions of USD, except per-share data. Shares in millions.

Line item	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31	FY 2020 2020-12-31	FY 2019 2019-12-31	FY 2018 2018-12-31	FY 2017 2017-12-31	FY 2016 2016-12-31	FY 2015 2015-12-31	FY 2014 2014-12-31	FY 2013 2013-12-31	FY 2012 2012-12-31	FY 2011 2011-12-31	FY 2010 2010-12-31	FY 2009 2009-12-31	FY 2008 2008-12-31
Revenue	183	166	145	151	151	141	134	126	113	111	371	378	341	292	281	286	277	258
Advertising Expenses	–	3.39	3.05	2.82	2.52	2.29	2.77	2.78	2.74	2.56	2.65	2.83	3.20	2.89	3.46	3.49	3.46	3.10
Interest Expense	–	–	145	22	19	33	56	39	26	23	21	23	31	35	40	53	77	108
Asset Impairment Charges	0	0	0	0	0	0	0	0	1.53	2.57	0	0	–	–	–	0	0	2.00
Gain (Loss) on Investments	0.15	0.51	0.14	-1.14	0.54	-0.41	4.28	0.28	–	–	–	–	–	–	–	–	–	–
Gain (Loss) on Sale of Assets	–	–	–	–	–	–	–	0	0	2.46	0	0	–	–	–	–	–	–
Pretax Income	219	179	153	196	200	133	155	137	128	119	117	112	90	77	79	78	73	84
Income Tax Expense	50	39	35	44	45	29	34	24	46	40	40	37	28	23	21	21	21	25
Net Income	169	141	119	152	155	104	121	113	82	78	76	75	62	55	58	57	52	58
EPS (Basic)(per share)	3.34	2.98	2.67	3.54	3.57	2.39	2.76	2.58	1.89	1.81	1.74	1.71	1.47	1.63	1.72	1.67	1.54	1.81
EPS (Diluted)(per share)	3.33	2.97	2.65	3.52	3.54	2.37	2.74	2.56	1.87	1.80	1.72	1.69	1.46	1.62	1.71	1.66	1.53	1.80
Shares Outstanding (Basic, Weighted)(shares)	51	47	45	43	43	44	44	44	0.04	0.04	0.04	0.04	42	33	34	34	0.03	–
Shares Outstanding (Diluted, Weighted)(shares)	51	47	45	43	44	44	44	44	0.04	0.04	0.04	0.04	42	34	34	35	0.03	–
Dividend per Share(per share)	1.42	1.32	1.24	1.16	1.10	1.08	1.05	0.99	0.92	–	–	–	–	–	–	–	–	–
Total Interest Income	711	612	523	384	340	348	368	344	309	287	273	275	269	239	240	256	273	294
Net Interest Income	502	400	378	362	321	316	312	306	283	264	253	252	238	204	200	203	196	186
Non-Interest Income	195	177	142	156	158	146	144	125	121	116	118	126	103	87	80	84	80	72
Provision for Credit Losses	32	20	25	17	-8.26	51	25	29	31	25	18	20	22	20	21	30	33	27
Non-Interest Expense	445	378	342	304	287	278	275	265	246	236	236	246	229	194	181	178	171	147

Italic numbers are calculated by StockData (for example Q4 = full year − nine months). Per-share data and share counts are adjusted for stock splits. Hover a number for its source; click it to open the filing on SEC.gov. Click a row to chart it.

Ratios

Latest available, balances at Jun 30, 2026

Profitability, TTM

Gross margin: –
Operating margin: –
Net margin: 28.8%
Return on equity, FY2025: 9.9%

Financial strength

Current ratio: –
Debt to equity: –
Debt to assets: –
Cash to current liabilities: –

Valuation

P/E ratio: 12.5
Price to sales: 3.55
Price to book: 1.36
Dividend yield: 2.80%