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NBT BANCORP INC

NBTB

$52.66 ▼ -0.24 (-0.45%) at close

19 Visible periods

35 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

NBT BANCORP INC shows strong fundamentals with top-quartile Profit Margin (%) and Debt to Equity. The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $2.7B

Dividend Yield 2.70%

Revenue Growth 20.8% ↗

Op. Margin 31.5% →

ROIC None

FCF / Share None

Trailing P/E 15.8x

Price / Book 1.4x

FCF Yield —

Debt / Equity 0.08

info Valuation on last close. End-of-day price, Aug 7, 2026.

19-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$697.04M

↑ +20.8% —

Net Income Profit after all expenses

$169.24M

↑ +20.3% —

Operating Margin Operating profit as % of sales

31.5%

↑ +1.2% 87th

Long-Term Debt Long-term obligations

$88.87M

↓ -14.6% —

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Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)
Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial Health →

Dividend History

Dividend / share · sourced from SEC filings

$1.42 Latest / share

+7.6% YoY

+5.3% 8-yr CAGR

FY 2014

FY 2015

FY 2016

FY 2017

$0.99

FY 2018

$1.05

FY 2019

$1.08

FY 2020

$1.10

FY 2021

$1.16

FY 2022

$1.24

FY 2023

$1.32

FY 2024

$1.42

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue Growth YoY (%)	20.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+247%)	10.9% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+81%)	0.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-92%)	8.1% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+35%)	3.7% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-39%)	1.4% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-77%)	5.9% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	6.3% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+5%)	6.5% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+8%)	2.4% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-59%)	-1.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-130%)	10.7% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+79%)	17.1% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+184%)	3.9% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-35%)	-2.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-134%)	3.5% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-41%)	7.3% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+22%)	—	—
EPS Growth YoY (%)	12.1% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	11.6% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-24.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-0.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	49.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-13.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	7.0% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	36.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	4.4% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	4.0% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	1.8% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	16.3% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-9.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-5.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	3.0% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	8.4% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	-14.9% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	20.3% Good ↑ Good Improving Year-over-year change in net income	18.4% Good ↑ Good Improving Year-over-year change in net income	-21.9% Weak ↓ Weak Declining Year-over-year change in net income	-1.9% Weak ↓ Weak Declining Year-over-year change in net income	48.4% Excellent ↑ Excellent Improving Year-over-year change in net income	-13.7% Weak ↓ Weak Declining Year-over-year change in net income	7.5% Fair ↓ Fair Declining Year-over-year change in net income	37.0% Excellent ↑ Excellent Improving Year-over-year change in net income	4.8% Caution ↓ Caution Declining Year-over-year change in net income	2.6% Caution ↓ Caution Declining Year-over-year change in net income	1.8% Caution ↓ Caution Declining Year-over-year change in net income	21.6% Good ↑ Good Improving Year-over-year change in net income	13.2% Fair ↑ Fair Improving Year-over-year change in net income	-5.8% Weak ↓ Weak Declining Year-over-year change in net income	0.9% Caution ↑ Caution Improving Year-over-year change in net income	10.4% Fair Fair Year-over-year change in net income	-10.9% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	10.4% Good ↑ Good Improving Compound annual revenue growth over 3 years	6.4% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	4.1% Caution → Caution Stable Compound annual revenue growth over 3 years	4.4% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	3.6% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	4.5% Caution → Caution Stable Compound annual revenue growth over 3 years	6.2% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.1% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	2.3% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	3.7% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	8.4% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	10.4% Good ↑ Good Improving Compound annual revenue growth over 3 years	6.0% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	1.8% Weak Weak Compound annual revenue growth over 3 years	2.9% Caution Caution Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	8.6% Good ↑ Good Improving Compound annual revenue growth over 5 years	4.8% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	3.9% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	5.0% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.7% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.5% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	3.8% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	4.7% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	6.8% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	6.3% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.3% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	6.4% Fair Fair Compound annual revenue growth over 5 years	5.8% Fair Fair Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-1.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-5.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	3.8% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	8.7% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	11.4% Good ↓ Good Declining Compound annual EPS growth over 3 years	8.1% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	15.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	14.0% Good ↑ Good Improving Compound annual EPS growth over 3 years	3.4% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	7.2% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	2.2% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	-0.2% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-4.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	1.9% Caution Caution Compound annual EPS growth over 3 years	-1.7% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Operating Margin (%) (%)	31.5% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	31.1% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	29.5% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	37.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+52%)	41.7% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+67%)	28.8% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+15%)	—	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	22.9% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.6% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.6% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.5% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.5% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.6% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	24.3% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	24.4% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+11%)	22.8% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	29.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+33%)	32.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+47%)	22.6% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	26.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	26.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	20.3% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-8%)	20.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-6%)	20.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-6%)	19.9% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-10%)	18.1% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-18%)	18.7% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	20.6% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-6%)	20.0% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-9%)	18.8% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	22.6% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.1% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	8.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-26%)	9.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	8.3% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-31%)	13.0% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+8%)	12.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	8.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-27%)	10.8% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-10%)	11.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-8%)	8.6% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-29%)	8.6% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-28%)	8.7% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-28%)	8.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-28%)	7.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-37%)	9.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-22%)	10.8% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-10%)	10.8% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-10%)	10.3% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-14%)	13.5% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+13%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Debt to Equity (x)	0.08x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-93%)	0.11x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-91%)	0.27x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-77%)	0.50x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-58%)	0.08x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-93%)	0.14x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-88%)	0.58x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-51%)	0.86x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-29%)	0.84x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-30%)	0.86x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-28%)	0.65x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-46%)	0.52x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-57%)	0.94x Fair → Fair Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-22%)	0.91x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-24%)	1.03x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-15%)	0.99x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-17%)	1.41x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+17%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue per Share (USD)	$13.76	$12.23	$11.69	$12.06	$11.03	$10.57	$10.40	—	—	—	—	$8.61	$8.14	$8.73	$8.34	—	—	—	—
Basic EPS, GAAP (USD)	$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	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.42	$1.32	$1.24	$1.16	$1.10	$1.08	$1.05	$0.99	—	—	—	—	—	—	—	—	—	—	—
Book Value per Share (USD)	$37.44	$32.36	$32.02	$27.34	$28.80	$27.18	$25.57	—	—	—	—	$19.70	$19.47	$17.44	$15.99	—	—	—	—
Tangible Book Value per Share (USD)	$27.35	$23.90	$22.98	$20.62	$22.13	$20.49	$19.03	—	—	—	—	$13.22	$12.55	$12.37	$11.52	—	—	—	—
Basic Weighted Avg Shares (shares)	50.65M	47.16M	44.53M	42.92M	43.42M	43.69M	43.81M	43,701	43,575	43,244	43,836	43.88M	41.93M	33.38M	33.66M	34,275	—	—	—
Dividend Payout Ratio (%)	42.5% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	44.3% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	46.4% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	32.8% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	30.8% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	45.2% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	38.0% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	38.4% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	—	—	—	—	—	—	—	$88.87M	$104.09M	$130.45M	$130.94M	$308.82M	$367.49M	$370.34M	$369.87M	$554.70M	—	—
Total Equity (USD)	$1.90B	$1.53B	$1.43B	$1.17B	$1.25B	$1.19B	$1.12B	$1.02B	$958.18M	$913.32M	$882.00M	$864.18M	$816.57M	$582.27M	$538.11M	$533.57M	$505.12M	$431.85M	$397.30M

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Sales/Revenue/Turnover (USD)	$697.04M	$576.95M	$520.40M	$517.77M	$478.88M	$461.95M	$455.58M	$430.39M	$404.80M	$380.15M	$371.09M	$377.90M	$341.29M	$291.53M	$280.59M	$286.42M	$276.60M	$257.75M	—
Net Income, GAAP (USD)	$169.24M	$140.64M	$118.78M	$152.00M	$154.88M	$104.39M	$121.02M	$112.57M	$82.15M	$78.41M	$76.42M	$75.07M	$61.75M	$54.56M	$57.90M	$57.40M	$52.01M	$58.35M	—
Operating Cash Flow (USD)	$235.22M	$188.57M	$157.46M	$183.22M	$159.19M	$142.41M	$153.46M	$147.77M	$136.90M	$110.56M	—	—	$119.30M	$88.85M	$83.77M	$89.44M	$54.68M	$87.28M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Net Interest Margin (approx.) (%)	3.1%	2.9%	2.8%	3.1%	2.7%	2.9%	3.2%	3.2%	3.1%	3.0%	3.1%	3.2%	3.1%	3.4%	3.6%	3.8%	3.6%	—	—
Efficiency Ratio (%) (%)	63.9%	65.5%	65.7%	58.8%	60.0%	60.1%	60.3%	61.5%	60.7%	62.1%	63.6%	65.1%	67.1%	66.5%	64.4%	62.2%	61.7%	57.0%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 19 years · 71 quarters

NBT BANCORP INC

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