NBTB - NASDAQ

NBT Bancorp Inc.

NBTB·NASDAQ

$44.79

-1.6%

Financial ServicesBanks - Regional

NBT Bancorp Inc., a financial holding company, provides commercial banking, retail banking, and wealth management services. Its deposit products include demand deposit, savings, negotiable order of withdrawal, money market deposit, and certificate of deposit accounts. The company's loan portfolio comprises commercial and industrial, commercial real estate, agricultural, and commercial construction loans; indirect and direct consumer, home equity, mortgages, business banking loans, and commercial loans; and residential real estate loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan consulting and recordkeeping services. In addition, the company offers insurance products comprising personal property and casualty, business liability, and commercial insurance, as well as other products and services through 24-hour online, mobile, and telephone channels that enable customers to check balances, make deposits, transfer funds, pay bills, access statements, apply for loans, and access various other products and services. As of December 31, 2021, it had 140 branches and 164 ATMs in New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Connecticut, and Maine. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$2.33B

EPS3.3400

P/E Ratio13.41

Earnings Date07/27/2026

16.00B

Assets

16%

3Y+36.0%

5Y+46.0%

10Y+80.0%

14.10B

Total Liabilities

15%

3Y+33.0%

5Y+45.0%

10Y+77.0%

1.90B

Total Equity

24%

3Y+62.0%

5Y+60.0%

10Y+108.0%

NBT Bancorp Inc. Funding & Solvency Profile

NBTB · NASDAQ

Current Assets

Cash & Cash Equivalents185.16M

Net Receivables52.00M

Inventory0.00

Other Current Assets0.00

Total Current Assets237 M

Non-Current Assets

Property, Plant & Equipment99.28M

Goodwill & Intangible Assets510.93M

Long-Term Investments14.53B

Other Non-Current Assets584.76M

Total Non-Current Assets15 B

Total Assets

16.00B

Financial Health Analysis

Current Ratio

1.60x

Strong liquidity. The company has adequate resources to meet short-term liabilities.

Debt-to-Equity Ratio

7.44x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

89 M

Strong working capital position provides significant operational flexibility and financial cushion.

Asset Composition

1% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

NBT Bancorp Inc. Balance Sheet

NBTB • NASDAQ

NBT Bancorp Inc. Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009	Dec 2008	Dec 2007	Dec 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	185.2M	284.1M	205.2M	197.4M	1.3B	672.7M	216.8M	181M	159.7M	149.2M	140.3M	146.6M	158.9M	163.7M	129.4M	168.8M	187.2M	110.4M	162.9M	138.8M
Short-Term Investments	0.0	136.4M	1.4B	1.5B	1.7B	1.3B	975.3M	998.5M	1.3B	1.3B	1.2B	1B	1.4B	1.1B	1.2B	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	185.2M	420.4M	1.6B	1.7B	3B	2B	1.2B	1.2B	1.4B	1.5B	1.3B	1.2B	1.5B	1.3B	1.4B	168.8M	187.2M	110.4M	162.9M	138.8M
Net Receivables	52M	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	0.0	0.0	0.0
Other Receivables	52M	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	0.0	0.0	0.0
Total Current Assets	237.2M	420.4M	1.6B	1.7B	3B	2B	1.2B	1.2B	1.4B	1.5B	1.3B	1.2B	1.5B	1.3B	1.4B	168.8M	187.2M	110.4M	162.9M	138.8M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	99.3M	80.8M	80.7M	69M	72.1M	74.2M	75.6M	79M	81.3M	84.2M	88.8M	89.3M	88.3M	77.9M	74.5M	67.4M	66.2M	65.2M	64M	67M
Goodwill	453.3M	362.7M	361.9M	281.2M	280.5M	280.5M	274.8M	274.8M	268M	265.4M	266M	263.6M	265M	152.4M	132M	114.8M	114.9M	114.8M	103.4M	103.4M
Intangible Assets	57.7M	36.4M	40.4M	7.3M	8.9M	11.7M	12M	15.6M	13.4M	15.8M	17.3M	20.3M	25.6M	17M	18.2M	17.5M	20.6M	23.4M	10.2M	12M
Goodwill & Intangible Assets	510.9M	399M	402.3M	288.5M	289.5M	292.3M	286.8M	290.4M	281.5M	281.3M	283.2M	284M	290.6M	169.3M	150.2M	132.4M	135.5M	138.2M	113.6M	115.3M
Long-Term Investments	14.5B	12.2B	10.5B	9B	8.2B	8B	7.7B	7.6B	7B	6.7B	6.3B	6B	5.5B	4.3B	3.8B	4.8B	4.9B	4.9B	4.7B	4.6B
Other Non-Current Assets	584.8M	699.1M	707.5M	656.9M	520.1M	507.7M	428.6M	378.8M	359.1M	353.6M	284.6M	291.1M	294.8M	214.5M	200M	204.8M	219.6M	169M	178.2M	161.8M
Total Non-Current Assets	15.8B	13.4B	11.7B	10B	9.1B	8.9B	8.5B	8.4B	7.7B	7.4B	6.9B	6.6B	6.1B	4.7B	4.2B	5.2B	5.3B	5.2B	5B	4.9B
Total Assets	16B	13.8B	13.3B	11.7B	12B	10.9B	9.7B	9.6B	9.1B	8.9B	8.3B	7.8B	7.7B	6B	5.6B	5.3B	5.5B	5.3B	5.2B	5.1B
LIABILITIES
CURRENT LIABILITIES
Short Term Debt	148.1M	162.9M	386.7M	585M	97.8M	168.4M	655.3M	871.7M	719.1M	681.7M	442.5M	316.8M	456M	162.9M	181.6M	159.4M	156M	206.5M	368.5M	345.4M
Other Current Liabilities	0.0	11.5B	11B	9.5B	10.2B	9.1B	7.6B	7.4B	7.2B	7B	6.6B	6.3B	5.9B	4.8B	4.4B	4.1B	4.1B	3.9B	3.9B	3.8B
Total Current Liabilities	148.1M	11.7B	11.4B	10.1B	10.3B	9.3B	8.2B	8.2B	7.9B	7.7B	7B	6.6B	6.3B	4.9B	4.5B	4.3B	4.2B	4.1B	4.2B	4.1B
NON-CURRENT LIABILITIES
Long Term Debt	179.4M	252M	250.7M	202.9M	213.7M	238.3M	165.4M	174.9M	190.1M	205.3M	231.6M	232.1M	410M	442.9M	445.8M	369.9M	554.7M	632.2M	424.9M	493.2M
Other Non-Current Liabilities	3.6B	298.8M	277M	281.9M	215.7M	256.9M	187M	123.6M	98.8M	93.3M	101.7M	94.6M	79.3M	69.8M	65.8M	141.6M	155.2M	142.3M	139M	49M
Total Non-Current Liabilities	3.8B	550.8M	527.7M	484.8M	429.4M	495.2M	352.4M	298.5M	288.9M	298.6M	333.3M	326.8M	489.3M	512.7M	511.6M	511.5M	709.9M	774.5M	563.9M	542.1M
Other Liabilities	10.2B	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	0.0	0.0	0.0
Capital Lease Obligations	0.0	0.0	0.0	0.0	0.0	0.0	29.9M	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
Total Liabilities	14.1B	12.3B	11.9B	10.6B	10.8B	9.7B	8.6B	8.5B	8.2B	8B	7.4B	6.9B	6.8B	5.5B	5.1B	4.8B	5B	4.9B	4.8B	4.7B
SHAREHOLDERS' EQUITY
Treasury Stock	-183.4M	-175.3M	-176.7M	-173.2M	-159.9M	-140.4M	-134M	-136.1M	-138.2M	-142.5M	-135M	-119.7M	-127.1M	-116.5M	-103.5M	-75.3M	-77.8M	-82.1M	-87.8M	-45.8M
Common Stock	591K	540K	540K	497K	497K	497K	497K	497K	497K	497K	497K	497K	497K	393K	380K	380K	380K	365K	365K	365K
Additional Paid-In Capital	964.8M	742.8M	740.9M	577.9M	577M	578.1M	576.7M	575.5M	574.2M	575.1M	576.7M	576.5M	574.2M	346.7M	317.3M	314M	311.2M	276.4M	273.3M	271.5M
Retained Earnings	1.2B	1.1B	1B	958.4M	856.2M	749.1M	696.2M	621.2M	543.7M	501.8M	462.2M	424M	385.8M	357.6M	330M	299.8M	270.2M	245.3M	215M	191.8M
Accumulated Other Comprehensive Income/Loss	-82.6M	-142.1M	-160.9M	-190M	-23.3M	417K	-19M	-43.2M	-22.1M	-21.5M	-22.4M	-17M	-16.8M	-5.9M	-6.1M	-5.3M	1.2M	-8.2M	-3.6M	-14M
Total Stockholders' Equity	1.9B	1.5B	1.4B	1.2B	1.3B	1.2B	1.1B	1B	958.2M	913.3M	882M	864.2M	816.6M	582.3M	538.1M	533.6M	505.1M	431.8M	397.3M	403.8M
Total Equity	1.9B	1.5B	1.4B	1.2B	1.3B	1.2B	1.1B	1B	958.2M	913.3M	882M	864.2M	816.6M	582.3M	538.1M	533.6M	505.1M	431.8M	397.3M	403.8M
SUMMARY
Total Liabilities & Equity	16B	13.8B	13.3B	11.7B	12B	10.9B	9.7B	9.6B	9.1B	8.9B	8.3B	7.8B	7.7B	6B	5.6B	5.3B	5.5B	5.3B	5.2B	5.1B
Total Investments	14.5B	12.3B	11.9B	10.5B	9.9B	9.4B	8.7B	8.6B	8.3B	8B	7.5B	7B	6.8B	5.4B	5B	4.8B	4.9B	4.9B	4.7B	4.6B
Total Debt	327.4M	415M	637.4M	788M	311.5M	406.7M	820.7M	1B	909.2M	887M	674.1M	548.9M	866.1M	605.9M	627.4M	529.3M	710.7M	838.7M	793.4M	838.6M
Net Debt	142.3M	130.9M	432.2M	590.6M	-957.6M	-266M	603.8M	865.7M	749.5M	737.8M	533.8M	402.3M	707.1M	442.2M	498M	360.5M	523.5M	728.3M	630.4M	699.8M
Shares Outstanding	52,394,085	52,394,085	52,394,085	52,394,085	52,394,085	52,394,085	52,394,085	52,394,085	52,394,085	52,394,085	52,394,085	52,394,085	52,394,085	52,394,085	52,394,085	52,394,085	52,394,085	52,394,085	52,394,085	52,394,085

SEC Filings

NBTB - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 19, 2026	May 19, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 18, 2026	May 18, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 08, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 04, 2026	May 04, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 23, 2026	April 23, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	April 06, 2026	May 19, 2026	2026	View Filing
10-K 10-K 2025 FY FY	February 27, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	February 10, 2026	February 10, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 26, 2026	January 26, 2026	2026	View Filing
10-Q 10-Q 2025 Q3 Q3	November 07, 2025	September 30, 2025	2025	View Filing

Showing 1 to 10 of 434 filings

Related Guides

Blog Categories

Continue your NBTB research with focused valuation guides.

Fundamentals

Decode statement quality and operating durability.

Accounting

Interpret line items with cleaner analytical framing.

Forecasting

Translate historical performance into forward scenarios.

Reference

Use practical frameworks for statement-led valuation.

Research Paths

Pick your next lens

Snapshot

Start with context, operating signals, and key market metrics.

Value Model

Stress test fair value across bear, base, and bull assumptions.

Statements

Validate revenue quality, margins, and balance sheet durability.

Earnings Call

Read management commentary and compare it with reported outcomes.

Dividends

Check payout sustainability and long-term distribution behavior.

Analyst Expectations

Review consensus spread and where estimate risk is concentrated.