NBT BANCORP INC
Financial highlights
| Metric | FY 12/31/25 | FY 12/31/24 | FY 12/31/23 | FY 12/31/22 | FY 12/31/21 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $183.0M | $165.7M | $144.7M | $150.7M | $151.0M |
| Interest expense | — | — | $144.6M | $21.9M | $18.8M |
| Pretax income | $219.4M | $179.5M | $153.5M | $196.2M | $199.9M |
| Income tax expense | $50.2M | $38.8M | $34.7M | $44.2M | $45.0M |
| Net income | $169.2M | $140.6M | $118.8M | $152.0M | $154.9M |
| Balance Sheet | |||||
| Total assets | $16.0B | $13.8B | $13.3B | $11.7B | $12.0B |
| Total liabilities | $14.1B | $12.3B | $11.9B | $10.6B | $10.8B |
| Total debt | $25.0M | $123.0M | — | — | — |
| Stockholders' equity | $1.9B | $1.5B | $1.4B | $1.2B | $1.3B |
| Cash Flow Statement | |||||
| Cash from operations | $235.2M | $188.6M | $157.5M | $183.2M | $159.2M |
| Stock-based compensation | $5.3M | $6.0M | $5.1M | $4.5M | $4.4M |
| Capital expenditure | $16.3M | $11.7M | $9.3M | $7.0M | $7.7M |
| Free cash flow | $218.9M | $176.8M | $148.2M | $176.2M | $151.4M |
| Dividends paid | $72.6M | $62.3M | $55.9M | $49.8M | $47.7M |
| Share repurchases | $10.2M | $251,000 | $4.9M | $14.7M | $21.7M |
| Impairments | $0 | $0 | $0 | $0 | $0 |
Shares outstanding 52.0M · Free float 97.0%
Annual filing data through FY ended December 31, 2025; float as of July 10, 2026.