The Tip Desk

NBT BANCORP INC

Financial highlights

Amounts in millions
MetricFY 12/31/25FY 12/31/24FY 12/31/23FY 12/31/22FY 12/31/21
Income Statement
Revenue$183.0$165.7$144.7$150.7$151.0
Net income$169.2$140.6$118.8$152.0$154.9
Balance Sheet
Total debt$25.0$123.0———
Cash Flow Statement
Free cash flow$218.9$176.8$148.2$176.2$151.4
Dividends$72.6$62.3$55.9$49.8$47.7
Share repurchases$10.2$0.3$4.9$14.7$21.7

Shares outstanding 52.0M · Free float 97.0%

Annual filing data through FY ended December 31, 2025; float as of September 20, 2026.

Coverage