NBT Bancorp Inc. Financials

Market Capitalization $2.18 Billion as of Jan. 1, 2026

Valuations Metrics as of Jan. 3, 2026

Trailing PE	13.74
Forward PE	9.83
Price to Sales TTM	$3.45
Price to Book MRQ	$1.17
Enterprise to Revenue	2.94
Enterprise to EBITDA

Financial Reports as of Sep. 30, 2025

Financials

Fiscal Year Ends	2024-12-31
Most Recent Quarter	2025-09-30
Profit Margin	23.78%
Operating Margin	43.37%
Return on Assets TTM	1.00%
Return on Equity TTM	8.87%

Income Statement

Revenue TTM	$629,728,000
Revenue per Share TTM	$12.76
Quarterly Revenue Growth	26.60%
Gross Profit TTM	$629,728,000
EBITDA	$0
Net Income to Common TTM	$149,731,008
Diluted EPS TTM	$3.02
Quarterly Earnings Growth YoY	43.00%

Balance Sheet

Total Cash MRQ	$710,635,008
Total Cash per Share MRQ	$13.58
Total Debt MRQ	$
Total Debt to Equity MRQ	0.21
Current Ratio MRQ
Book Value per Share MRQ	$35.33

Cash Flow

Operating Cash Flow TTM	$218,243,008
Levered Free Cash Flow TTM	$140,641,000

NBTB Stock Info as of Jan. 3, 2026

Stock Statistics

Shares Outstanding	52,448,654
Float Shares	50,952,382
Avg 10 Volume	219,743
Avg 30 Volume	None
Shares Short	993,257
Short Ratio	4.33
Short % of Shares	2.58%
% Held by Insiders	2.70%
% Held by Institutions	65.27%

Stock Price Summary

Beta	0.51
Fifty Two Week Low	$37.31
Fifty Two Week High	$49.18
Fifty Two Week Change	-14.16%
Day 50 MA	$41.77
Day 200 MA	$42.10

Dividends and Splits

Forward Annual Dividend Rate	$1.48
Forward Annual Dividend Yield	3.56%
Trailing Annual Dividend Rate	$1.42
Trailing Annual Dividend Yield	3.41%
Payout Ratio	46.03%
Dividend Date	2025-12-15
Ex Dividend Date	2025-12-01
Last Split Factor
Last Split Date	1999-11-29