NBTB
NBT Bancorp Inc.
NASDAQ · Financial Services · Banks - Regional · US
$52.15
+1.01%Income statement
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue | |||||
| Total Revenue | 945.3M | 867.4M | 786.0M | 662.3M | 537.0M |
| Cost of Revenue | 221.5M | 241.7M | 231.2M | 169.8M | 39.0M |
| Gross Profit | 723.8M | 625.7M | 554.8M | 492.5M | 498.0M |
| Operating Expenses | |||||
| R&D Expense | — | — | — | — | — |
| SG&A Expense | 160.4M | 87.3M | 242.6M | 203.6M | 193.8M |
| General & Admin Expense | 158.5M | 83.3M | 239.3M | 200.5M | 191.0M |
| Selling & Marketing Expense | 1.9M | 4.0M | 3.4M | 3.1M | 2.8M |
| Other Expenses | 286.1M | 319.0M | 132.7M | 135.5M | 108.0M |
| Total Operating Expenses | 446.5M | 406.3M | 375.4M | 339.0M | 301.8M |
| Cost and Expenses | 668.0M | 648.0M | 606.5M | 508.9M | 340.8M |
| Operating Income (EBIT) | 277.3M | 219.4M | 179.5M | 153.5M | 196.2M |
| Non-Operating | |||||
| Interest Income | 747.4M | 711.0M | 611.7M | 522.8M | 384.1M |
| Interest Expense | 206.0M | 209.4M | 211.5M | 144.6M | 21.9M |
| Net Interest Income | 541.4M | 501.5M | 400.1M | 378.2M | 362.2M |
| Other Non-Op Income/Expense | — | — | — | — | — |
| Non-Operating Income (excl Interest) | — | — | — | — | — |
| EBT (Pre-Tax Income) | 277.3M | 219.4M | 179.5M | 153.5M | 196.2M |
| Income Tax Expense | 63.2M | 50.2M | 38.8M | 34.7M | 44.2M |
| Bottom Line | |||||
| Net Income | 214.2M | 169.2M | 140.6M | 118.8M | 152.0M |
| Earnings from Cont. Ops | 214.2M | 169.2M | 140.6M | 118.8M | 152.0M |
| Earnings from Discont. Ops | — | — | — | — | — |
| Bottom Line Net Income | 214.2M | 169.2M | 140.6M | 118.8M | 152.0M |
| Per Share | |||||
| Basic EPS | $4.10 | $3.34 | $2.98 | $2.67 | $3.54 |
| Diluted EPS | $4.08 | $3.33 | $2.96 | $2.65 | $3.52 |
| Revenue Per Share | $18.11 | $18.41 | $16.66 | $14.89 | $12.51 |
| Shares | |||||
| Basic Shares Outstanding | 52.2M | 47.1M | 47.2M | 44.5M | 42.9M |
| Diluted Shares Outstanding | 52.4M | 50.9M | 47.4M | 44.8M | 43.2M |
| Profitability Metrics | |||||
| EBITDA | 301.5M | 241.0M | 207.0M | 175.7M | 215.2M |
| D&A | 24.2M | 21.6M | 27.5M | 22.3M | 19.1M |
| EBIT | 277.3M | 219.4M | 179.5M | 153.5M | 196.2M |
As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Jun 1, 2026