NBT Bancorp Financial Statements
NASDAQ: NBTBFinanceMajor BanksUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
NBT Bancorp revenue and earnings
In fiscal 2025, NBT Bancorp generated $183.0 million in revenue, up 10.4% from fiscal 2024, its 2nd consecutive year of revenue growth. Net income was $169.2 million (+20.3% year over year), for a net margin of 92.5% versus a median of 84.9% in the prior 5 years. Diluted earnings per share came in at $3.33, up from $2.97.
Over the last 5 fiscal years, NBTB's revenue has grown at a 5.4% compound annual rate.
Summary generated from market data by MetaCap's automated system. Methodology
NBT Bancorp income statement (annual)
| Fiscal year (USD) | FY 20252025-12-31 | FY 20242024-12-31 | FY 20232023-12-31 | FY 20222022-12-31 | FY 20212021-12-31 | FY 20202020-12-31 | FY 20192019-12-31 | FY 20182018-12-31 | FY 20172017-12-31 | FY 20162016-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 182.95M | 165.71M | 144.74M | 150.66M | 151.01M | 140.92M | 134.46M | 126.01M | 113.44M | 111.16M |
| Revenue growth (YoY) | +10.40% | +14.49% | -3.93% | -0.23% | +7.16% | +4.81% | +6.70% | +11.08% | +2.05% | -70.04% |
| Operating Expenses | 445.34M | 377.88M | 341.66M | 304.46M | 287.28M | 277.73M | 274.73M | 264.56M | 245.65M | 235.92M |
| Interest Expense | 209.45M | 211.55M | 144.57M | 21.88M | 18.79M | 32.60M | 55.98M | 38.63M | 25.91M | 22.51M |
| Pretax Income | 219.44M | 179.46M | 153.46M | 196.16M | 199.86M | 133.09M | 155.43M | 137.00M | 128.16M | 118.80M |
| Income Tax | 50.21M | 38.82M | 34.68M | 44.16M | 44.97M | 28.70M | 34.41M | 24.44M | 46.01M | 40.39M |
| Net Income | 169.24M | 140.64M | 118.78M | 152.00M | 154.88M | 104.39M | 121.02M | 112.57M | 82.15M | 78.41M |
| Net Income growth (YoY) | +20.33% | +18.40% | -21.85% | -1.87% | +48.37% | -13.74% | +7.51% | +37.02% | +4.77% | +2.60% |
| EPS (Basic) | 3.34 | 2.98 | 2.67 | 3.54 | 3.57 | 2.39 | 2.76 | 2.58 | 1.89 | 1.81 |
| EPS (Diluted) | 3.33 | 2.97 | 2.65 | 3.52 | 3.54 | 2.37 | 2.74 | 2.56 | 1.87 | 1.80 |
| Shares Outstanding (Basic) | 50.65M | 47.16M | 44.53M | 42.92M | 43.42M | 43.69M | 43.81M | 43.70M | 43.58K | 43.24K |
| Shares Outstanding (Diluted) | 50.88M | 47.43M | 44.77M | 43.18M | 43.72M | 43.99M | 44.12M | 44.02M | 43.91K | 43.62K |
| Net Margin | 92.50% | 84.87% | 82.06% | 100.88% | 102.57% | 74.08% | 90.01% | 89.33% | 72.42% | 70.54% |
This table shows 10 annual periods of NBT Bancorp's income statement, from FY 2025 back to FY 2016, across 11 line items including revenue, operating expenses, interest expense. Values in USD; B = billions, M = millions. Fiscal periods follow NBTB's reporting calendar. What is a income statement?