NBT BANCORP INC NBTB

Latest FY: 2025 Financial Services Banks - Regional
Market Price $51.63
Market Cap $2.69B
P/E Ratio 15.50
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑20.8% YoY
$697.04M
3-Yr CAGR: 10.4%
Net Income ↑20.3% YoY
$169.24M
Net Margin: 24.3%
Free Cash Flow ↑23.8% YoY
$218.92M
FCF Yield: 8.15%
EPS (Diluted) ↑12.1% YoY
$3.33
Basic: $3.34
Return on Equity Efficiency
8.9%
ROA: 1.1%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (NBTB)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $380.2M $357.6M $78.4M $1.80 $0.90 2.15% $109.5M $109.5M
FY 2017 $404.8M +6.5% $378.9M $82.2M +4.8% $1.87 +3.9% $0.91 2.48% $136.9M $136.9M +25.0%
FY 2018 $430.4M +6.3% $391.8M $112.6M +37.0% $2.56 +36.9% $0.98 2.84% $147.8M $147.8M +7.9%
FY 2019 $455.6M +5.9% $399.6M $121.0M +7.5% $2.74 +7.0% $1.05 2.59% $153.5M $153.5M +3.9%
FY 2020 $462.0M +1.4% $429.4M $104.4M -13.7% $2.37 -13.5% $1.08 3.36% $142.4M $142.4M -7.2%
FY 2021 $478.9M +3.7% $460.1M $154.9M +48.4% $3.54 +49.4% $1.10 2.86% $157.6M $157.6M +10.7%
FY 2022 $517.8M +8.1% $495.9M $152.0M -1.9% $3.52 -0.6% $1.16 2.67% $183.2M $176.2M +11.8%
FY 2023 $520.4M +0.5% $375.8M $118.8M -21.9% $2.65 -24.7% $1.24 2.96% $157.5M $148.2M -15.9%
FY 2024 $576.9M +10.9% $365.4M $140.6M +18.4% $2.97 +12.1% $1.32 2.76% $188.6M $176.8M +19.3%
FY 2025 $697.0M +20.8% $487.6M $169.2M +20.3% $3.33 +12.1% $1.42 3.42% $235.2M $218.9M +23.8%
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Valuation

Market Price $51.63
Market Cap $2.69B
Enterprise Value $2.06B
P/E Ratio 15.50
P/B Ratio 1.42
FCF Yield 8.15%
Dividend Yield 2.75%
Shares Outstanding 52,010,200
%

Profitability & Margins

Gross Margin 69.95%
Operating Margin 31.48%
Net Margin 24.28%
Return on Equity (ROE) 8.92%
Return on Assets (ROA) 1.06%
Asset Turnover 0.04x
Revenue 3-Yr CAGR 10.42%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 0.023
Debt / Assets 0.003
Cash & Equivalents $672.68M
Total Debt $43.18M
Book Value / Share $36.46
💧

Cash Flow Efficiency

Operating Cash Flow $235.22M
Capital Expenditures (CapEx) $16.30M
Free Cash Flow $218.92M
OCF / Revenue 33.75%
FCF / Revenue 31.41%
FCF 3-Yr CAGR 7.50%
🏷️

Per Share Metrics

EPS (Diluted) $3.33
EPS (Basic) $3.34
Dividends / Share $1.42
Book Value / Share $36.46
EPS YoY Growth 12.12%
🏛️

Balance Sheet (FY 2025)

Total Assets $16.00B
Total Liabilities $14.10B
Stockholders' Equity $1.90B
Current Assets N/A
Current Liabilities N/A