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NBT Bancorp Inc

Financial Services US NBTB

46.19USD
1.40(3.13%)

Last update at 2026-06-04T17:57:00Z

Day Range

45.1646.34
LowHigh

52 Week Range

29.7543.36
LowHigh

Fundamentals

  • Previous Close 44.79
  • Market Cap1722.84M
  • Volume142720
  • P/E Ratio14.33
  • Dividend Yield3.46%
  • Revenue TTM502.79M
  • Revenue Per Share TTM11.03
  • Gross Profit TTM 500.62M
  • Diluted EPS TTM2.55

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 196.16M 199.86M 133.09M 155.43M 137.00M
Minority interest - - - - -
Net income 152.00M 154.88M 104.39M 121.02M 112.57M
Selling general administrative 191.03M 198.62M 187.29M 183.71M 180.19M
Selling and marketing expenses 2.82M 2.52M 2.29M 2.77M 2.78M
Gross profit 515.12M 475.97M 458.66M 451.42M 426.17M
Reconciled depreciation 2.26M 2.81M 20.55M 20.32M 13.32M
Ebit 218.04M 199.86M 133.09M 155.43M 184.91M
Ebitda 220.30M 202.67M 136.48M 159.01M 188.95M
Depreciation and amortization 2.26M 2.81M 3.40M 3.58M 4.04M
Non operating income net other - - - - -
Operating income 218.04M 199.86M 133.09M 155.43M 175.63M
Other operating expenses 67.74M -276.10900M -325.57200M -295.98800M 250.55M
Interest expense 21.88M 18.79M 32.60M 55.98M 38.63M
Tax provision 44.16M 44.97M 28.70M 34.41M 24.44M
Interest income 384.07M 339.88M 348.28M 367.53M 344.25M
Net interest income 362.19M 321.09M 315.68M 311.56M 305.63M
Extraordinary items - - - - 5.33M
Non recurring - - - - -
Other items - - - - -
Income tax expense 44.16M 44.97M 28.70M 34.41M 24.44M
Total revenue 515.12M 475.97M 458.66M 451.42M 426.17M
Total operating expenses 67.74M -276.10900M -325.57200M -295.98800M -250.54600M
Cost of revenue - - - - 67.45M
Total other income expense net -21.88000M -18.78800M -32.60400M -55.97900M -38.62600M
Discontinued operations - - - - -
Net income from continuing ops 152.00M 154.88M 104.39M 121.02M 112.57M
Net income applicable to common shares 152.00M 154.88M 104.39M 121.02M 112.57M
Preferred stock and other adjustments - - - - -
Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Total assets 13309.04M 11739.30M 12012.11M 10932.91M 9715.92M
Intangible assets 40.44M 7.34M 8.93M 11.73M 12.02M
Earning assets - - - - 1735.78M
Other current assets 247.89M -362.98700M 6240.00M 6549.05M 6528.14M
Total liab 11883.35M 10565.74M 10761.66M 9745.29M 8595.53M
Total stockholder equity 1425.69M 1173.55M 1250.45M 1187.62M 1120.40M
Deferred long term liab - - - - -
Other current liab 4620.52M -585.01200M -97.79500M -168.38600M -655.27500M
Common stock 0.54M 0.50M 0.50M 0.50M 0.50M
Capital stock 0.54M 0.50M 0.50M 0.50M 0.50M
Retained earnings 1021.83M 958.43M 856.20M 749.06M 696.21M
Other liab - 139.05M 215.71M 256.87M 107.93M
Good will 361.85M 281.20M 280.54M 280.54M 274.77M
Other assets - 7179.60M 6240.00M 6549.05M 6528.14M
Cash 205.19M 197.35M 1269.07M 672.68M 216.84M
Cash and equivalents - - - - -
Total current liabilities 5014.27M 585.01M 97.80M 168.39M 655.27M
Current deferred revenue - - - - -
Net debt 460.42M 590.60M -957.59500M -265.95000M 603.84M
Short term debt 393.75M 585.01M 97.80M 168.39M 655.27M
Short long term debt 293.00M 585.01M 97.80M 168.39M 655.27M
Short long term debt total 665.61M 787.95M 311.48M 406.73M 820.68M
Other stockholder equity 564.25M 404.66M 417.10M 437.65M 442.71M
Property plant equipment - 69.05M 72.09M 74.21M 75.63M
Total current assets 247.89M 1724.58M 2956.43M 2021.38M 1192.18M
Long term investments 2373.72M 2477.53M 2454.12M 8006.56M 7704.94M
Net tangible assets - 885.01M 960.99M 895.34M 833.61M
Short term investments 1430.86M 1527.22M 1687.36M 1348.70M 975.34M
Net receivables - 8049.35M 7406.46M - -
Long term debt 250.74M 202.94M 213.68M 199.25M 101.20M
Inventory - 0.10M 0.17M 1.46M 1.46M
Accounts payable - 9495.93M 10234.47M 9081.69M 7587.82M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -160.93400M -190.03400M -23.34400M 0.42M -19.02600M
Additional paid in capital - - - - -
Common stock total equity - 0.50M 0.50M 0.50M 0.50M
Preferred stock total equity - - - - -
Retained earnings total equity - 958.43M 856.20M 749.06M 696.21M
Treasury stock - - - -140.43400M -133.99600M
Accumulated amortization - - - - -
Non currrent assets other 415.00M -2835.11800M -2815.68200M -2362.47700M -1995.60500M
Deferred long term asset charges - - - - -
Non current assets total 13061.15M 2835.12M 2815.68M 2362.48M 1995.61M
Capital lease obligations - - - - -
Long term debt total - 198.12M 199.69M 199.25M 101.20M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -862.15000M -504.85400M -655.80100M 109.94M -409.24000M
Change to liabilities 0.00000M 0.00000M 0.00000M 0.00000M 0.00000M
Total cashflows from investing activities -926.21600M -546.05800M -709.72500M -64.34300M -417.61900M
Net borrowings 476.04M -95.69300M -414.18100M -225.93400M 137.43M
Total cash from financing activities -328.72800M 984.81M 1023.15M -53.23200M 291.14M
Change to operating activities -7.91800M -12.66700M -49.93000M -4.90200M -9.55400M
Net income 152.00M 154.88M 104.39M 121.02M 112.57M
Change in cash -1071.72100M 596.39M 455.84M 35.89M 21.29M
Begin period cash flow 1269.07M 672.68M 216.84M 180.96M 159.66M
End period cash flow 197.35M 1269.07M 672.68M 216.84M 180.96M
Total cash from operating activities 183.22M 157.63M 142.41M 153.46M 147.77M
Issuance of capital stock - - - - -
Depreciation 19.06M 19.88M 20.55M 20.32M 13.32M
Other cashflows from investing activities -57.05700M -33.46400M -45.76700M -167.64100M -0.97700M
Dividends paid -49.76500M -47.73800M -47.20700M -46.01000M 43.27M
Change to inventory - - - - -
Change to account receivables - - - - -
Sale purchase of stock -14.71300M -21.71400M -7.98000M -0.72500M 375.15M
Other cashflows from financing activities -251.55100M -2.93100M -3.71500M 12.89M -1.89300M
Change to netincome 15.45M -10.16700M 58.52M 13.65M 27.43M
Capital expenditures 7.01M 7.74M 8.16M 6.65M 7.40M
Change receivables - - - - -
Cash flows other operating -0.53800M -6.05700M -38.26400M 2.34M -9.55400M
Exchange rate changes - - - - -
Cash and cash equivalents changes -1071.72100M 596.39M 455.84M 35.89M 21.29M
Change in working capital -7.91800M -12.66700M -49.93000M -4.90200M -9.55400M
Stock based compensation 4.53M 4.41M 4.58M 4.21M 3.94M
Other non cash items 15.55M -5.14000M 9.10M -10.78700M -10.61400M
Free cash flow 176.21M 149.90M 134.25M 146.82M 140.37M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x)
NBTB
NBT Bancorp Inc		 1.40 3.13% 46.19 14.33 11.47 3.26 1.12
HDB
HDFC Bank Limited ADR		 0.41 1.74% 23.96 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd		 0.04 0.15% 30.44 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd		 1.22 2.50% 50.10 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H		 - -% 5.92 6.10 5.67 0.44 0.77 3.43

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Profile

NBT Bancorp Inc., a financial holding company, provides commercial banking, retail banking, and wealth management services. Its deposit products include demand deposit, savings, negotiable order of withdrawal, money market deposit, and certificate of deposit accounts. The company's loan portfolio comprises indirect and direct consumer, home equity, mortgages, business banking loans, and commercial loans; commercial and industrial, commercial real estate, agricultural, and commercial construction loans; and residential real estate loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan administration and recordkeeping services. In addition, the company offers insurance products comprising personal property and casualty, business liability, and commercial insurance, as well as other products and services through 24-hour online, mobile, and telephone channels that enable customers to check balances, make deposits, transfer funds, pay bills, access statements, apply for loans, and access various other products and services. Further, it operates as a property management and passive investment company, as well as investment advisor that provides investment management and financial consulting services. The company operates in upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York.

NBT Bancorp Inc

52 South Broad Street, Norwich, NY, United States, 13815

Key Executives

Name Title Year Born
Mr. John H. Watt Jr. Pres, CEO & Director 1958
Mr. Scott A. Kingsley CPA Exec. VP & CFO 1965
Ms. Annette L. Burns Sr. VP & Chief Accounting Officer 1973
Mr. Joseph R. Stagliano Exec. VP, Pres of Retail Community Banking & Chief Information Officer 1969
Ms. Sarah A. Halliday Exec. VP & Pres of Commercial Banking 1971
Ms. Amy Wiles Exec. VP and Chief Credit & Risk Officer 1959
Mr. Kenneth J. Entenmann C.F.A. Sr. VP, Director of Wealth Management & Chief Investment Officer NA
Mr. Martin Randolph Sparks Exec. VP, Gen. Counsel & Corp. Sec. NA
Ms. Florence R. Doller Sr. VP & Director of Corp. Communications NA
Ms. Catherine M. Scarlett Chief of Staff & Chief Ethics Officer 1961

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