NBT Bancorp Inc (NASDAQ:NBTB) — Stock Price
NBT Bancorp Inc (NASDAQ:NBTB) is currently trading at $52.47 USD, down 0.36% today. Over the past 52 weeks, shares have ranged between $39.27 and $54.26. This page tracks NBT Bancorp Inc's live share price on the NASDAQ exchange, its daily price and volume history, and — where reported — its income statement, balance sheet, cash flow statement, and earnings history. For company valuation and market capitalisation context, see NBT Bancorp Inc stock valuation.
NBT Bancorp Inc (NBTB) Stock Price Chart — Daily History & Trading Volume
The chart below tracks NBT Bancorp Inc's daily closing share price and trading volume on the NASDAQ exchange over the past year, giving a clear view of recent price momentum and liquidity.
NBT Bancorp Inc Income Statement — Revenue, Profit & Earnings by Year
NBT Bancorp Inc's annual income statement shows how revenue converts into profit each fiscal year, including gross profit, operating income, EBITDA, and net income.
| Fiscal Year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Total Revenue | $867.43 Million | $785.99 Million | $662.35 Million | $537.00 Million | $494.75 Million |
| Cost of Revenue | $241.70 Million | $231.16 Million | $169.84 Million | $39.03 Million | $10.53 Million |
| Gross Profit | $625.73 Million | $554.83 Million | $492.50 Million | $497.97 Million | $484.22 Million |
| Research & Development | — | — | — | — | — |
| SG&A | $293.86 Million | $239.25 Million | $200.51 Million | $191.03 Million | $175.62 Million |
| Total Operating Expenses | $406.29 Million | $375.38 Million | $339.05 Million | $301.82 Million | $284.37 Million |
| Operating Income | $219.44 Million | $179.46 Million | $153.46 Million | $196.16 Million | $199.86 Million |
| EBITDA | $219.44 Million | $206.95 Million | $175.73 Million | $215.22 Million | $219.74 Million |
| EBIT | — | $179.46 Million | $153.46 Million | $196.16 Million | $199.86 Million |
| Interest Expense | $209.45 Million | $211.55 Million | $144.57 Million | $21.88 Million | $18.79 Million |
| Income Before Tax | $219.44 Million | $179.46 Million | $153.46 Million | $196.16 Million | $199.86 Million |
| Income Tax Expense | $50.21 Million | $38.82 Million | $34.68 Million | $44.16 Million | $44.97 Million |
| Net Income | $169.24 Million | $140.64 Million | $118.78 Million | $152.00 Million | $154.88 Million |
NBT Bancorp Inc Balance Sheet — Assets, Liabilities & Shareholder Equity
The balance sheet below summarizes NBT Bancorp Inc's financial position at each fiscal year-end — what it owns (assets), what it owes (liabilities), and the resulting shareholder equity.
| Fiscal Year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Total Assets | $16.00 Billion | $13.79 Billion | $13.31 Billion | $11.74 Billion | $12.01 Billion |
| Total Current Assets | $2.05 Billion | $420.42 Million | $1.64 Billion | $1.72 Billion | $2.96 Billion |
| Cash & Equivalents | — | — | — | — | — |
| Short-term Investments | $1.86 Billion | $136.37 Million | $1.43 Billion | $1.53 Billion | $1.69 Billion |
| Net Receivables | — | — | — | $8.05 Billion | $7.41 Billion |
| Inventory | — | — | — | $105.00K | $167.00K |
| Property, Plant & Equipment | — | — | — | $69.05 Million | $72.09 Million |
| Goodwill | $453.28 Million | $362.66 Million | $361.85 Million | $281.20 Million | $280.54 Million |
| Total Liabilities | $14.10 Billion | $12.26 Billion | $11.88 Billion | $10.57 Billion | $10.76 Billion |
| Total Current Liabilities | $148.07 Million | $11.71 Billion | $11.36 Billion | $10.08 Billion | $10.33 Billion |
| Long-term Debt | — | $252.04 Million | $250.74 Million | $202.94 Million | $213.68 Million |
| Net Debt | $142.26 Million | $130.93 Million | $432.20 Million | $590.60 Million | $-957.60 Million |
| Total Stockholder Equity | $1.90 Billion | $1.53 Billion | $1.43 Billion | $1.17 Billion | $1.25 Billion |
| Retained Earnings | — | $1.10 Billion | $1.02 Billion | $958.43 Million | $856.20 Million |
NBT Bancorp Inc Cash Flow Statement — Operating, Investing & Financing Activities
This cash flow statement breaks down how NBT Bancorp Inc generates and spends cash across operating, investing, and financing activities each fiscal year, including free cash flow and capital expenditures.
| Fiscal Year | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Operating Cash Flow | $188.57 Million | $157.46 Million | $183.22 Million | $157.63 Million | $142.41 Million |
| Capital Expenditures | $11.74 Million | $9.25 Million | $7.01 Million | $7.74 Million | $8.16 Million |
| Free Cash Flow | $176.82 Million | $148.20 Million | $176.21 Million | $149.90 Million | $134.25 Million |
| Investing Cash Flow | $-399.16 Million | $-44.23 Million | $-926.22 Million | $-546.06 Million | $-709.73 Million |
| Financing Cash Flow | $289.46 Million | $-105.39 Million | $-328.73 Million | $984.81 Million | $1.02 Billion |
| Dividends Paid | $-62.26 Million | $-55.89 Million | $49.77 Million | $47.74 Million | $47.21 Million |
| Stock-Based Compensation | $5.99 Million | $5.10 Million | $4.53 Million | $4.41 Million | $4.58 Million |
| Depreciation | $27.50 Million | $22.27 Million | $19.06 Million | $19.88 Million | $20.55 Million |
| Change in Cash | $78.87 Million | $7.84 Million | $-1.07 Billion | $596.39 Million | $455.84 Million |
NBT Bancorp Inc Earnings History — EPS Actual vs. Analyst Estimates
Track NBT Bancorp Inc's quarterly earnings per share (EPS) against Wall Street estimates, along with the earnings surprise percentage for each reporting period.
| Report Date | EPS Actual | EPS Estimate | Surprise |
|---|---|---|---|
| Apr 23, 2026 | — | 0.98 | — |
| Jan 26, 2026 | 1.05 | 0.99 | +6.06% |
| Oct 27, 2025 | 1.05 | 0.97 | +8.25% |
| Jul 28, 2025 | 0.88 | 0.83 | +6.02% |
| Apr 24, 2025 | 0.77 | 0.74 | +4.05% |
| Jan 27, 2025 | 0.77 | 0.76 | +1.32% |
| Oct 28, 2024 | 0.80 | 0.77 | +3.90% |
| Jul 22, 2024 | 0.69 | 0.69 | +0.00% |