NBT Bancorp Inc. logo NBTB - NBT Bancorp Inc.

Price: -- -- | CONSENSUS: Hold DETAILS
STRONG
BUY
0
BUY 4
HOLD 5
SELL 1
STRONG
SELL
0
| PRICE TARGET: $46.00 DETAILS
HIGH: $49.00
LOW: $42.00
MEDIAN: $47.00
CONSENSUS: $46.00
UPSIDE: 0.15%
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Revenue
Revenue 867.4 786.0 662.3 537.0 494.8 491.3 507.4 464.8 425.1 399.2 384.9 378.5 369.3 324.2 317.7 336.6 353.5 366.1 365.8 337.5 278.9 251.1 245.1 258.7 279.6 283.0 243.2 176.2 104.3 93.3 84.5 77.4 76.7
Cost of Revenue 241.7 231.2 169.8 39.0 10.5 83.7 81.4 67.5 56.9 47.9 38.9 42.7 53.1 55.5 60.5 83.0 110.3 135.5 171.2 134.4 87.7 69.3 72.0 89.5 149.4 143.1 109.8 80.9 46 39.6 36.4 28.8 25.5
Gross Profit 625.7 554.8 492.5 498.0 484.2 407.5 426.0 397.3 368.2 351.3 346.0 335.7 316.3 268.7 257.2 253.6 243.2 230.6 194.6 203.1 191.2 181.8 173.1 169.3 130.1 139.8 133.4 95.3 58.3 53.7 48.1 48.6 51.2
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 87.3 242.6 203.6 193.8 178.1 166.9 186.5 183.0 166.1 162.4 156.4 150.6 143.7 131.5 125.3 121.7 116.5 91.0 76.0 62.9 60.0 54.1 49.6 48.2 48.4 35.4 40.5 29.3 17.9 17.8 16.3 16.2 16.2
Other Expenses 319.0 132.7 135.5 108.0 106.2 107.5 84.1 77.4 74.0 70.1 73.0 72.9 82.6 59.9 52.8 53.5 54.0 55.8 46.5 60.1 55.3 55.7 55.0 54.2 77.4 83.7 44.3 32.0 17.4 16.6 16.7 22.4 21.1
Operating Expenses 406.3 375.4 339.0 301.8 284.4 274.4 270.6 260.3 240.1 232.5 229.4 223.4 226.3 191.3 178.0 175.3 170.6 146.8 122.5 123.0 115.3 109.8 104.5 102.5 125.9 119.1 84.8 61.3 35.3 34.4 33 38.6 37.3
Operating Income
Operating Income 219.4 179.5 153.5 196.2 199.9 133.1 155.4 137.0 128.2 118.8 116.6 112.3 89.9 77.4 79.2 78.3 72.6 83.8 72.1 80.1 75.9 72.0 68.6 66.8 4.3 20.7 48.6 34.0 23 19.3 15.1 10 13.9
Interest Expense 209.4 211.5 144.6 21.9 18.8 32.6 56.0 38.6 25.9 22.5 20.6 23.2 30.6 35.2 39.7 53.2 76.9 108.4 141.1 125.0 78.3 59.7 62.9 80.4 117.5 133.0 102.9 74.7 42.5 36.4 34.8 25.7 23.2
Interest Income 711.0 611.7 522.8 384.1 339.9 348.3 367.5 344.3 309.4 286.9 273.2 275.1 268.7 239.4 240.0 255.7 273.4 294.4 306.1 288.8 236.4 210.2 207.3 227.2 255.4 260.4 220.8 158.4 96.2 84.4 77.4 70.4 67
Profitability
EBITDA 241.0 207.0 175.7 215.2 219.7 153.6 175.7 150.3 141.2 131.8 130.1 125.7 102.8 87.0 87.7 86.7 81.3 91.1 79.1 87.8 83.1 80.9 80.6 74.5 9.4 29.7 55.4 39.5 25.7 22.6 17.7 15.3 21
EBIT 219.4 179.5 153.5 196.2 199.9 133.1 155.4 137.0 128.2 118.8 116.6 112.3 89.9 77.4 79.2 78.3 72.6 83.8 72.1 80.1 75.9 72.0 68.6 66.8 4.3 20.7 48.6 34.0 23 19.3 15.1 10 13.9
Income Before Tax 219.4 179.5 153.5 196.2 199.9 133.1 155.4 137.0 128.2 118.8 116.6 112.3 89.9 77.4 79.2 78.3 72.6 83.8 72.1 80.1 75.9 72.0 68.6 66.8 4.3 20.7 48.6 34.0 23 19.3 15.1 10 13.9
Income Tax Expense 50.2 38.8 34.7 44.2 45.0 28.7 34.4 24.4 46.0 40.4 40.2 37.2 28.2 22.8 21.3 20.9 20.6 25.4 21.8 24.2 23.5 21.9 21.5 21.8 0.5 6.5 16.0 7.1 8.3 7.1 5.8 3.5 5.4
Net Income 169.2 140.6 118.8 152.0 154.9 104.4 121.0 112.6 82.2 78.4 76.4 75.1 61.7 54.6 57.9 57.4 52.0 58.4 50.3 55.9 52.4 50.0 47.1 45.0 3.7 14.2 32.6 26.9 14.7 12.2 9.3 6.5 8.5
Per Share Data
EPS (Basic) 3.34 2.98 2.67 3.54 3.57 2.39 2.76 2.58 1.89 1.81 1.74 1.71 1.47 1.63 1.72 1.67 1.54 1.81 1.52 1.65 1.62 1.53 1.45 1.36 0.11 0.44 1.08 0.89 1.12 0.93 0.68 0.45 0.66
EPS (Diluted) 3.33 2.96 2.65 3.52 3.54 2.37 2.74 2.56 1.87 1.80 1.72 1.69 1.46 1.62 1.71 1.66 1.53 1.80 1.51 1.64 1.60 1.51 1.43 1.35 0.11 0.44 1.08 0.89 1.11 0.93 0.68 0.45 0.66
Shares Outstanding 47.1 47.2 44.5 42.9 43.4 43.7 43.8 43.6 43.5 43.3 43.9 43.9 42.0 33.5 33.7 34.4 33.8 32.2 33.2 33.9 32.4 32.7 32.5 33.1 34.0 30.2 30.2 30.2 13.2 13.1 13.6 14.5 12.9
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Current Assets
Cash & Cash Equivalents 185.2 284.1 205.2 197.3 1,269.1 672.7 216.8 181.0 159.7 149.2 187.2 110.4 98.4 128.0 124.6 130.0 130.4 79.6 47.2 37.4 35.8 44.4 43.4 36.1
Short-Term Investments 0 136.4 1,430.9 1,527.2 1,687.4 1,348.7 975.3 998.5 1,255.9 1,338.3 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Net Receivables 52 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 237.2 420.4 1,636.0 1,724.6 2,956.4 2,021.4 1,192.2 1,179.5 1,415.6 1,487.5 187.2 110.4 98.4 128.0 124.6 130.0 130.4 79.6 47.2 37.4 35.8 44.4 43.4 36.1
Non-Current Assets
Property, Plant & Equipment 99.3 80.8 80.7 69.0 72.1 74.2 75.6 79.0 81.3 84.2 66.2 65.2 63.7 62.4 61.3 62.7 56.1 47.1 20.2 18.8 16.3 16.5 15.4 15.7
Goodwill 453.3 362.7 361.9 281.2 280.5 280.5 274.8 274.8 268.0 265.4 114.9 114.8 45.6 0 0 0 0 0 0 0 0 0 0 0
Intangible Assets 57.7 36.4 40.4 7.3 8.9 11.7 12.0 15.6 13.4 15.8 20.6 23.4 2.0 0 0 0 0 0 0 0 0 0 0 0
Long-Term Investments 14,532.4 12,187.2 10,482.5 9,000.2 8,174.0 8,037.3 7,732.7 7,628.8 6,999.3 6,660.8 4,855.6 4,853.2 3,859.3 3,675.5 3,405.9 3,305.8 3,262.3 2,167.2 1,202.3 1,203.9 1,059.6 1,019.2 957.6 877.2
Other Non-Current Assets 584.8 699.1 707.5 656.9 520.1 507.7 428.6 378.8 359.1 353.6 219.6 169.0 143.2 131.1 83.6 89.0 110.7 77.7 12.7 11.9 17.3 14.6 18.3 11.8
Total Non-Current Assets 15,758.0 13,366.2 11,673.0 10,014.7 9,055.7 8,911.5 8,523.7 8,376.9 7,721.2 7,379.8 5,276.9 5,225.7 4,113.9 3,918.8 3,599.1 3,508.2 3,475.1 2,301.0 1,242.8 1,243.2 1,103.2 1,061.9 1,001.2 917.8
Total Assets 15,995.1 13,786.7 13,309.0 11,739.3 12,012.1 10,932.9 9,715.9 9,556.4 9,136.8 8,867.3 5,464.0 5,336.1 4,212.3 4,046.9 3,723.7 3,638.2 3,605.5 2,380.7 1,290 1,280.6 1,139 1,106.3 1,044.6 953.9
Current Liabilities
Account Payables 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Short-Term Debt 148.1 162.9 386.7 585.0 97.8 168.4 655.3 871.7 719.1 681.7 156.0 206.5 338.8 302.9 105.6 122.0 184.7 142.3 96.6 134.5 88.2 115.9 140.6 26.7
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 0 11,546.8 10,969.0 9,495.9 10,234.5 9,081.7 7,587.8 7,368.2 7,170.6 6,973.7 4,093.0 3,923.3 3,073.8 3,001.4 2,922.0 2,915.6 2,843.9 1,777.1 1,044.2 1,014.2 916.3 873 791.4 807.3
Total Current Liabilities 148.1 11,709.7 11,355.6 10,080.9 10,332.3 9,250.1 8,243.1 8,239.9 7,889.8 7,655.4 4,249.0 4,129.8 3,412.7 3,304.3 3,027.6 3,037.6 3,028.6 1,919.4 1,140.8 1,148.7 1,004.5 988.9 932 834
Non-Current Liabilities
Long-Term Debt 179.4 252.0 250.7 202.9 213.7 238.3 165.4 174.9 190.1 205.3 554.7 632.2 413.2 369.7 345.5 272.3 240.5 252.0 10.2 0.2 20.2 3 8.7 14.5
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 3,620.9 298.8 277.0 281.9 215.7 256.9 187.0 123.6 98.8 93.3 155.2 142.3 54.2 45.9 41.2 44.9 49.8 17.9 8.4 8.4 8 6.4 5.6 4.3
Total Non-Current Liabilities 3,800.2 550.8 527.7 484.8 429.4 495.2 352.4 298.5 288.9 298.6 709.9 774.5 467.4 415.6 386.7 317.2 290.3 269.8 18.6 8.6 28.2 9.4 14.3 18.8
Total Liabilities 14,098.9 12,260.5 11,883.3 10,565.7 10,761.7 9,745.3 8,595.5 8,538.5 8,178.6 7,954.0 4,958.9 4,904.2 3,880.1 3,719.9 3,414.3 3,354.8 3,318.9 2,189.2 1,159.4 1,157.3 1,032.7 998.3 946.3 852.8
Stockholders' Equity
Common Stock 0.6 0.5 0.5 0.5 0.5 0.5 0.5 0.5 0.5 0.5 0.4 0.4 0.3 0.3 0.3 0.3 0.3 23.8 0 0 0 0 0 0
Retained Earnings 1,196.8 1,100.2 1,021.8 958.4 856.2 749.1 696.2 621.2 543.7 501.8 270.2 245.3 145.8 120.0 95.1 72.5 88.9 44.9 15.5 22.2 24.2 24.1 25.4 28.4
Accumulated Other Comprehensive Income (82.6) (142.1) (160.9) (190.0) (23.3) 0.4 (19.0) (43.2) (22.1) (21.5) 1.2 (8.2) 4.7 7.7 16.4 3.9 (1.9) (21.7) 3.3 2.4 (1.5) 2.8 (4.3) 0.8
Total Stockholders' Equity 1,896.2 1,526.1 1,425.7 1,173.6 1,250.5 1,187.6 1,120.4 1,017.9 958.2 913.3 505.1 431.8 332.2 310.0 292.4 266.4 269.6 191.5 130.6 123.3 106.3 108 98.3 101.1
Total Liabilities & Equity 15,995.1 13,786.7 13,309.0 11,739.3 12,012.1 10,932.9 9,715.9 9,556.4 9,136.8 8,867.3 5,464.0 5,336.1 4,212.3 4,046.9 3,723.7 3,638.2 3,605.5 2,380.7 1,290 1,280.6 1,139 1,106.3 1,044.6 953.9
Debt Metrics
Total Debt 327.4 415.0 637.4 788.0 311.5 406.7 820.7 1,046.6 909.2 887.0 710.7 838.7 752.1 672.6 451.1 394.3 425.2 394.2 106.8 134.7 108.4 118.9 149.3 41.2
Net Debt 142.3 130.9 432.2 590.6 (957.6) (265.9) 603.8 865.7 749.5 737.8 523.5 728.3 653.6 544.6 326.5 264.4 294.8 314.6 59.6 97.3 72.6 74.5 105.9 5.1
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Operating Activities
Net Income 169.2 140.6 118.8 152.0 154.9 104.4 121.0 112.6 82.2 78.4 52.4 50.0 47.1 45.0 3.7 14.2 32.6 26.9 14.7 12.2 9.3 6.5 8.5
Depreciation & Amortization 0.3 27.5 22.3 19.1 12.7 20.5 20.3 13.3 13.0 13.0 7.2 8.9 12.1 7.6 5.1 9.0 6.8 5.5 2.7 3.3 2.6 5.3 7.1
Stock-Based Compensation (0.7) 6.0 5.1 4.5 4.4 4.6 4.2 3.9 3.6 4.4 0 0 0 0 0 0 0 0 0 0 0 0 0
Change in Working Capital (24.6) 0.7 (27.9) 11.9 (12.0) (47.1) (6.8) (9.6) 7.4 (8.2) (3.7) 1.4 (7.3) (9.7) (14.1) 23.1 2.8 (5.3) 1.2 1 (0.3) 0.4 (0.1)
Other Non-Cash Items 90.9 5.0 33.2 15.6 (0.8) 62.8 14.7 27.5 26.3 23.1 8.4 28.6 (13.7) 9.3 64.8 17.7 7.4 1.5 6.6 5.3 6 0.2 (30.7)
Operating Cash Flow 235.2 188.6 157.5 183.2 159.2 145.3 153.5 147.8 136.9 109.5 65.1 96.6 44.6 60.9 53.2 61.7 51.7 27.5 24.8 21.1 17.3 12.2 4.3
Investing Activities
Capital Expenditure (16.3) (11.7) (9.3) (7.0) (7.7) (8.2) (6.6) (7.4) (6.7) (3.3) (6.1) (7.4) (7.8) (6.9) (8.5) (1.6) (11.6) (10.9) (3.9) (1.4) (2) (2) (1.8)
Acquisitions 0 (1.4) 44.6 (2.6) (1.6) (6.8) 0 (7.9) (4) (2) (6.1) 0 0 0 9.5 74.4 116.9 0 0 0 0 0 0
Purchases of Investments 0 (376.2) (88.0) (630.6) (1,075.0) (920.9) (323.7) (533.1) (294.5) (754.8) (310.1) (296.7) (736.7) (713.1) (350.8) (183.9) (518.9) (373.7) (318.1) (278.1) (143.7) (195.7) (185.6)
Sales/Maturities of Investments 0.5 314.5 342.0 391.3 578.0 582.5 527.5 464.8 410.7 524.1 271.1 331.7 719.0 652.4 428.9 262.0 370.7 372.9 259.6 292.9 102.9 122.2 121.3
Other Investing Activities 168.6 (324.3) (333.5) (677.3) (41.3) (359.3) (261.5) (334.1) (410.7) (393.9) (155.0) (252.4) (282.3) (64.4) (36.1) (301.8) (271.3) (119.2) (83.4) (66.2) (18.1) (17.5) (20.4)
Investing Cash Flow 169.1 (399.2) (44.2) (926.2) (547.6) (712.6) (64.3) (417.6) (305.2) (630.0) (206.1) (224.7) (307.8) (132.0) 43.0 (151.0) (314.2) (131.0) (145.8) (52.8) (60.9) (93) (86.5)
Financing Activities
Net Debt Issuance (202.5) (223.9) (206.9) 476.0 (95.7) (412.0) (225.9) 137.4 22.2 212.9 131.1 60.7 221.6 56.7 (31.4) (4.4) 126.9 61.9 26.3 (10.5) (30.3) 108.2 14.5
Stock Repurchased (10.2) (0.3) (4.9) (14.7) (21.7) (8.0) 0 0 0 (17.2) (23.2) (9.1) 0 0 0 0 0 0 0 0 0 0 0
Dividends Paid (72.6) (62.3) (55.9) (49.8) (47.7) (47.2) (46.0) (43.3) (40.1) (38.9) (24.7) (24.3) (22.2) (22.4) (20.1) (18.4) (15.7) (11.9) (5.6) (4.4) (4) (3.6) (3.3)
Other Financing Activities 84.0 575.8 162.3 (740.3) 1,150.0 1,490.3 218.0 195.7 193.4 372.5 86.4 72.5 66.0 40.7 (36.2) 132.9 161.1 76.0 97.9 43.3 81.5 (15.8) 66.4
Financing Cash Flow (201.2) 289.5 (105.4) (328.7) 984.8 1,023.2 (53.2) 291.1 178.8 529.3 176.8 106.8 266.6 65.8 (96.8) 108.9 269.5 121.8 122.6 23.2 44.5 88.1 78.7
Cash Position
Net Change in Cash 203.1 78.9 7.8 (1,071.7) 596.4 455.8 35.9 21.3 10.5 8.9 35.8 (21.4) 3.4 (5.3) (0.5) 19.6 6.9 18.3 (35.8) (44.4) (43.4) (36.1) (39.6)
Cash at Beginning 284.1 205.2 197.3 1,269.1 672.7 216.8 181.0 159.7 149.2 140.3 106.7 128.1 124.6 130.0 130.4 110.8 103.9 69.5 67.6 87.9 124.2 118.3 83.5
Cash at End 487.1 284.1 205.2 197.3 1,269.1 672.7 216.8 181.0 159.7 149.2 142.5 106.7 128.0 124.6 130.0 130.4 110.8 87.8 69.5 35.8 87.9 124.2 36.1
Free Cash Flow 218.9 176.8 148.2 176.2 151.4 137.1 146.8 140.4 130.2 106.2 59.0 89.2 36.8 54.0 44.8 60.0 40.1 16.6 20.9 19.7 15.3 10.2 2.5
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Income Statement
Revenue 867.4 786.0 662.3 537.0 494.8 491.3 507.4 464.8 425.1 399.2 384.9 378.5 369.3 324.2 317.7 336.6 353.5 366.1 365.8 337.5 278.9 251.1 245.1 258.7 279.6 283.0 243.2 176.2 104.3 93.3 84.5 77.4 76.7
Gross Profit 625.7 554.8 492.5 498.0 484.2 407.5 426.0 397.3 368.2 351.3 346.0 335.7 316.3 268.7 257.2 253.6 243.2 230.6 194.6 203.1 191.2 181.8 173.1 169.3 130.1 139.8 133.4 95.3 58.3 53.7 48.1 48.6 51.2
Operating Income 219.4 179.5 153.5 196.2 199.9 133.1 155.4 137.0 128.2 118.8 116.6 112.3 89.9 77.4 79.2 78.3 72.6 83.8 72.1 80.1 75.9 72.0 68.6 66.8 4.3 20.7 48.6 34.0 23 19.3 15.1 10 13.9
Net Income 169.2 140.6 118.8 152.0 154.9 104.4 121.0 112.6 82.2 78.4 76.4 75.1 61.7 54.6 57.9 57.4 52.0 58.4 50.3 55.9 52.4 50.0 47.1 45.0 3.7 14.2 32.6 26.9 14.7 12.2 9.3 6.5 8.5
EPS (Diluted) 3.33 2.96 2.65 3.52 3.54 2.37 2.74 2.56 1.87 1.80 1.72 1.69 1.46 1.62 1.71 1.66 1.53 1.80 1.51 1.64 1.60 1.51 1.43 1.35 0.11 0.44 1.08 0.89 1.11 0.93 0.68 0.45 0.66
Balance Sheet
Cash & Equivalents 185.2 284.1 205.2 197.3 1,269.1 672.7 216.8 181.0 159.7 149.2 187.2 110.4 98.4 128.0 124.6 130.0 130.4 79.6 47.2 37.4 35.8 44.4 43.4 36.1
Total Assets 15,995.1 13,786.7 13,309.0 11,739.3 12,012.1 10,932.9 9,715.9 9,556.4 9,136.8 8,867.3 5,464.0 5,336.1 4,212.3 4,046.9 3,723.7 3,638.2 3,605.5 2,380.7 1,290 1,280.6 1,139 1,106.3 1,044.6 953.9
Total Debt 327.4 415.0 637.4 788.0 311.5 406.7 820.7 1,046.6 909.2 887.0 710.7 838.7 752.1 672.6 451.1 394.3 425.2 394.2 106.8 134.7 108.4 118.9 149.3 41.2
Stockholders' Equity 1,896.2 1,526.1 1,425.7 1,173.6 1,250.5 1,187.6 1,120.4 1,017.9 958.2 913.3 505.1 431.8 332.2 310.0 292.4 266.4 269.6 191.5 130.6 123.3 106.3 108 98.3 101.1
Cash Flow
Operating Cash Flow 235.2 188.6 157.5 183.2 159.2 145.3 153.5 147.8 136.9 109.5 65.1 96.6 44.6 60.9 53.2 61.7 51.7 27.5 24.8 21.1 17.3 12.2 4.3
Capital Expenditure (16.3) (11.7) (9.3) (7.0) (7.7) (8.2) (6.6) (7.4) (6.7) (3.3) (6.1) (7.4) (7.8) (6.9) (8.5) (1.6) (11.6) (10.9) (3.9) (1.4) (2) (2) (1.8)
Free Cash Flow 218.9 176.8 148.2 176.2 151.4 137.1 146.8 140.4 130.2 106.2 59.0 89.2 36.8 54.0 44.8 60.0 40.1 16.6 20.9 19.7 15.3 10.2 2.5