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Banks · Financial Services · Fiscal year ends Dec 31
NBT Bancorp reported revenue of $183M in the fiscal year ended Dec 2025, up 10.4% from the year before. Net income was $169M. Operating cash flow of $235M less capital expenditure of $16M left free cash flow of $219M.
Ranks among the 59 banks companies we cover (1st = best; for debt, the least indebted). Green = top third, red = bottom third.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | 151 | 151 | 145 | 166 | 183 |
| Net interest incomeBanks | 321 | 362 | 378 | 400 | 502 |
| Interest expense | 18.8 | 21.9 | 145 | 212 | 209 |
| Pre-tax income | 200 | 196 | 153 | 179 | 219 |
| Income tax | 45.0 | 44.2 | 34.7 | 38.8 | 50.2 |
| Net income | 155 | 152 | 119 | 141 | 169 |
| Diluted EPS | 3.54 | 3.52 | 2.65 | 2.97 | 3.33 |
| Diluted shares | 43.7 | 43.2 | 44.8 | 47.4 | 50.9 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 1,269 | 197 | 205 | 284 | 487 |
| Net PP&E | 72.1 | 69.0 | 80.7 | 80.8 | 99.3 |
| Goodwill | 281 | 281 | 362 | 363 | 453 |
| Total assets | 12,012 | 11,739 | 13,309 | 13,787 | 15,995 |
| Short-term debt | 97.8 | 585 | 387 | 163 | 148 |
| DepositsBanks | 10,234 | 9,496 | 10,969 | 11,547 | 13,499 |
| Total liabilities | 10,762 | 10,566 | 11,883 | 12,261 | 14,099 |
| Shareholders' equity | 1,250 | 1,174 | 1,426 | 1,526 | 1,896 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 159 | 183 | 157 | 189 | 235 |
| Capital expenditure | 7.7 | 7.0 | 9.3 | 11.7 | 16.3 |
| Free cash flow | 151 | 176 | 148 | 177 | 219 |
| Stock-based compensation | 4.4 | 4.5 | 5.1 | 6.0 | 5.3 |
| Acquisitions | 1.6 | 2.6 | −44.6 | 1.4 | −37.9 |
| Share buybacks | 21.7 | 14.7 | 4.9 | 0.3 | 10.2 |
| Dividends paid | 47.7 | 49.8 | 55.9 | 62.3 | 72.6 |
| Dividend per share | 1.10 | 1.16 | 1.24 | 1.32 | 1.42 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue growth (YoY) | – | −0.2% | −3.9% | 14.5% | 10.4% |
| EPS growth (YoY) | – | −0.6% | −24.7% | 12.1% | 12.1% |
| Net margin | 102.6% | 100.9% | 82.1% | 84.9% | 92.5% |
| Return on equityBlank when equity is negative | 12.4% | 13.0% | 8.3% | 9.2% | 8.9% |
| Free cash flow margin | 100.3% | 117.0% | 102.4% | 106.7% | 119.7% |
| Cash conversion (CFO ÷ net income) | 1.03x | 1.21x | 1.33x | 1.34x | 1.39x |
Standardised figures from the company's XBRL filings with the SEC (10-K, 10-Q). Line items follow US GAAP tags, so a company's own statement layout may differ and some lines show “–” where the company does not report that item. Ratios are calculated from these figures. For education only; not investment advice or a recommendation.