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NBT Bancorp, Inc.
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Financials

Company / Financials

NBT Bancorp, Inc. Financials

FY2011-FY2025 · Annual data · Source: SEC filings

At a glance

Latest annual filing available

Revenue

$183.0M

FY2025 · +10.4% YoY

Net Income

$169.2M

FY2025 · +20.3% YoY

Profit Margin

92.5%

FY2025 · net income / revenue

ROE

8.9%

FY2025 · return on equity

Total Assets

$16.0B

FY2025

Total Debt

-

FY2025

Equity

$1.9B

FY2025

ROA

1.1%

FY2025 · return on assets

New to financial statements? Read the quick guide.›

Statement paths

Income StatementRevenue, expenses, margins, and profit.View Balance SheetAssets, debt, liabilities, and equity.View Cash Flow StatementCash generated, reinvested, and returned.View

Financial highlights

Key Data Points

Altman Z-Score 0.13 (distress zone, below 1.8 threshold)

Data sourced from SEC EDGAR filings. Not investment advice.

Metric history

Revenue HistoryTotal revenue from operations$183.0M+10.4% YoY Net Income HistoryProfit after all expenses and taxes$169.2M+20.3% YoY Interest Expense HistoryCost of borrowing and debt obligations-Income Tax HistoryTotal income tax expense$50.2M+29.3% YoY EPS (Basic) HistoryBasic earnings per share$2.67-24.6% YoY EPS (Diluted) HistoryDiluted earnings per share including stock options and convertibles$2.65-24.7% YoY Shares Outstanding HistoryWeighted average diluted shares outstanding44.8M+3.7% YoY Total Assets HistoryTotal value of all assets owned$16.0B+16.0% YoY Total Debt HistoryTotal outstanding debt obligations-Shareholders' Equity HistoryTotal assets minus total liabilities$1.9B+24.2% YoY

Continue your research

Income StatementRevenue, expenses, margins, and profit.View Balance SheetAssets, debt, liabilities, and equity.View Cash Flow StatementCash generated, reinvested, and returned.View Financial RatiosMargin, return, leverage, and DuPont context.View Piotroski F-ScoreNine checks for profitability, leverage, and efficiency.View Altman Z-ScoreA bankruptcy-risk model built from financial statements.View

Data basis

15 annual filings shown

Primary company stock selected

SEC annual filings used as source

Financial data is for research and education. This is not investment advice.

Back to NBT Bancorp, Inc. overview

Data Sources

SEC 10-K Annual Filings: FY2025· Updated Feb 28, 2026
Refresh: Hourly per-company refresh; quarterly/annual batch jobs backfill long-tail coverage. · Source timing: Annual filing; SEC deadline depends on filer status: 60, 75, or 90 days after fiscal year-end.Reference

System data refreshed: Jun 23, 2026

For informational purposes only. Not investment advice. Past performance is not indicative of future results. Data sourced from SEC EDGAR filings. Consult a qualified financial advisor before making investment decisions.