NBT Bancorp Inc. (NBTB) — Financial statements
Income statement, balance sheet, and cash flow for NBT Bancorp Inc. — annual and quarterly history with growth and margin analysis.
| Metric (USD Millions) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
| Revenue & Gross Profit | ||||||
| Revenue | 867↑10.4% | 786↑18.7% | 662↑23.3% | 537↑8.5% | 495 | |
| Cost of Revenue | 242↑4.6% | 231↑36.1% | 170↑335.2% | 39↑270.6% | 11 | |
| Gross Profit | 626↑12.8% | 555↑12.7% | 493↓1.1% | 498↑2.8% | 484 | |
| Operating Expenses | ||||||
| R&D Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| General & Administrative Expenses | 83↓65.2% | 239↑19.3% | 201↑5.0% | 191↑8.8% | 176 | |
| Selling & Marketing Expenses | 4↑18.5% | 3↑10.9% | 3↑8.2% | 3↑11.9% | 3 | |
| SG&A Expenses | 87↓64.0% | 243↑19.2% | 204↑5.0% | 194↑8.8% | 178 | |
| Other Expenses | 319↑140.3% | 133↓2.0% | 135↑25.5% | 108↑1.6% | 106 | |
| Operating Expenses | 406↑8.2% | 375↑10.7% | 339↑12.3% | 302↑6.1% | 284 | |
| Total Costs & Expenses | 648↑6.8% | 607↑19.2% | 509↑49.3% | 341↑15.6% | 295 | |
| Operating Results | ||||||
| Operating Income | 219↑22.3% | 179↑16.9% | 153↓21.8% | 196↓1.9% | 200 | |
| Depreciation & Amortization | 22↓21.5% | 27↑23.5% | 22↑16.8% | 19↓4.1% | 20 | |
| EBITDA | 241↑16.5% | 207↑17.8% | 176↓18.3% | 215↓2.1% | 220 | |
| EBIT | 219↑22.3% | 179↑16.9% | 153↓21.8% | 196↓1.9% | 200 | |
| Interest & Other Income | ||||||
| Net Interest Income | 502↑25.3% | 400↑5.8% | 378↑4.4% | 362↑12.8% | 321 | |
| Interest Income | 711↑16.2% | 612↑17.0% | 523↑36.1% | 384↑13.0% | 340 | |
| Interest Expense | 209↓1.0% | 212↑46.3% | 145↑560.7% | 22↑16.5% | 19 | |
| Non-Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Other Income / Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Income Before Tax | 219↑22.3% | 179↑16.9% | 153↓21.8% | 196↓1.9% | 200 | |
| Income Tax Expense | 50↑29.3% | 39↑11.9% | 35↓21.5% | 44↓1.8% | 45 | |
| Net Income & EPS | ||||||
| Net Income from Continuing Operations | 169↑20.3% | 141↑18.4% | 119↓21.9% | 152↓1.9% | 155 | |
| Net Income from Discontinued Operations | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net Income | 169↑20.3% | 141↑18.4% | 119↓21.9% | 152↓1.9% | 155 | |
| Bottom-Line Net Income | 169↑20.3% | 141↑18.4% | 119↓21.9% | 152↓1.9% | 155 | |
| EPS (Basic) | 3.34↑12.1% | 2.98↑11.6% | 2.67↓24.6% | 3.54↓0.8% | 3.57 | |
| EPS (Diluted) | 3.33↑12.5% | 2.96↑11.7% | 2.65↓24.7% | 3.52↓0.6% | 3.54 | |
| Weighted Average Shares | 47↓0.1% | 47↑6.0% | 44↑3.7% | 43↓1.2% | 43 | |
| Weighted Average Diluted Shares | 51↑7.3% | 47↑5.9% | 45↑3.7% | 43↓1.2% | 44 | |
* All figures in Millions of USD, except per share data. Growth rates calculated Year-over-Year (YoY). Data source: SEC Filings.