NBT BANCORP INC (NBTB)

51.55 +0.23% (+0.12)

Over 1M: -2.1%

2026-08-28
Style
Area Line Line with markers Steps Candles Hollow candles Bars

Candles need the day’s open, high and low. Those are being collected now — a company shows them once its history has been refreshed.

52 53
31 Jul 5 Aug 10 Aug 13 Aug 18 Aug 21 Aug 26 Aug

Financials Quarterly

Figures
Revenue Gross Profit Operating Income Cost of Revenue Operating Cash Flow Free Cash Flow Net Income

A share count and earnings a share are not here: neither is money, so neither can share this axis. Both have their own panel on All charts.

All charts ›
Q3 '23 — Operating Cash Flow: 54.6M Q3 '23 — Free Cash Flow: 51.2M Q3 '23 — Net Income: 24.6M Q4 '23 — Operating Cash Flow: 35.7M Q4 '23 — Free Cash Flow: 32.7M Q4 '23 — Net Income: 30.4M Q1 '24 — Operating Cash Flow: 36.7M Q1 '24 — Free Cash Flow: 34.3M Q1 '24 — Net Income: 33.8M Q2 '24 — Operating Cash Flow: 50.5M Q2 '24 — Free Cash Flow: 49.1M Q2 '24 — Net Income: 32.7M Q3 '24 — Operating Cash Flow: 52.1M Q3 '24 — Free Cash Flow: 47.8M Q3 '24 — Net Income: 38.1M Q4 '24 — Operating Cash Flow: 49.2M Q4 '24 — Free Cash Flow: 45.5M Q4 '24 — Net Income: 36M Q1 '25 — Operating Cash Flow: 42M Q1 '25 — Free Cash Flow: 38.3M Q1 '25 — Net Income: 36.7M Q2 '25 — Operating Cash Flow: 46.5M Q2 '25 — Free Cash Flow: 44.1M Q2 '25 — Net Income: 22.5M Q3 '25 — Operating Cash Flow: 80.6M Q3 '25 — Free Cash Flow: 74.3M Q3 '25 — Net Income: 54.5M Q4 '25 — Operating Cash Flow: 66.1M Q4 '25 — Free Cash Flow: 62.1M Q4 '25 — Net Income: 55.5M Q1 '26 — Operating Cash Flow: 53M Q1 '26 — Free Cash Flow: 48.6M Q1 '26 — Net Income: 51.1M Q2 '26 — Operating Cash Flow: 61.9M Q2 '26 — Free Cash Flow: 60.5M Q2 '26 — Net Income: 53M 0 20M 40M 60M 80M 100M
Q4 '23 Q2 '24 Q4 '24 Q2 '25 Q4 '25 Q2 '26
Revenue Operating Cash Flow Free Cash Flow Net Income

Figures as at 2025-12-31, reported in USD. The newest fact in the filings is dated 2026-06-30, 61 days ago. Nothing on this page is advice.

How it scores

Five questions, each answered by the measures under it. Every figure is the company's own; the bar beside it is where that figure sits among the companies read here — the top fifth, the bottom fifth, or somewhere between. Not among all listed companies, and for a valuation multiple the low end is the good end.

Quality

How much of the revenue is really kept — and what did it take to earn it?

9.5
OE margin 130.7%
Accruals -0.29%
FCF margin 134.2%
OCF margin 143.0%
Profit margin 117.1%
ROE 11.0%
ROA 1.3%
Asset turnover 0.011×
EBITDA margin —
Gross margin —
OCF / EBIT —
Oper. margin —
ROCE —
ROIC —

2 of 17 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Valuation

What does the price ask for what the company earns, owns and pays out?

0.5
Div. yield —
EV/EBIT —
EV/GP —
EV/OE —
EV/Sales —
FCF yield —
Fwd P/E —
P/B —
P/C —
P/E —
PEG —

0 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Durability

How predictable is the revenue, and how much of it is already committed?

4.0
RPO / sales —
RPO growth —
Segment HHI —

2 of 7 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Resilience

Can the balance sheet absorb a bad year?

9.0
ND/EBITDA —
Debt / Eq 0.0×
Debt payback 0.0 yr
Payout 36.0%
F-score 6.0 pts
Cash / Debt —
Cash runway —
Current ratio —
Interest cover —
Quick ratio —

1 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Growth

Is the business getting bigger, and is it getting more profitable?

1.6
Sales/sh Y/Y +2.9%
Div. growth +16.6%
EPS Y/Y +49.7%
Sales Q/Q +14.9%
EPS CAGR 4Y -1.5%
EBIT CAGR —
EBIT Y/Y —
EPS next Y —

2 of 13 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

A measure absent from a block could not be computed from this company's filings. It is left out rather than scored as though it were bad, and the dimension is averaged over what remains. A score is measured against a fixed scale this model states; the bar is measured against the other companies, so the two can disagree — and where they do, that disagreement is the more interesting figure.