← NBT BANCORP INC NBTB
Market Price
$53.55
Market Cap
$2.79B
P/E Ratio
16.08
Revenue (FY 2025)
↑10.4% YoY
$182.95M
3-Yr CAGR: 6.7%
Net Income
↑20.3% YoY
$169.24M
Net Margin: 92.5%
Free Cash Flow
↑23.8% YoY
$218.92M
FCF Yield: 7.86%
EPS (Diluted)
↑12.1% YoY
$3.33
Basic: $3.34
Return on Equity
Efficiency
8.9%
ROA: 293.5%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (NBTB)
All monetary values in millions ($M)
⚠️ YoY Data Quality Alert
- FY 2025: Revenue YoY (+10.4%) is identical to Gross Profit YoY (+10.4%). Verify the underlying Revenue and Gross Profit values for FY 2025 and FY 2024.
| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $264.4M | — | $241.9M | $78.4M | — | $1.80 | — | $109.5M | $109.5M | — |
| FY 2017 | $283.5M | +7.2% | $257.6M | $82.2M | +4.8% | $1.87 | +3.9% | $136.9M | $136.9M | +25.0% |
| FY 2018 | $126.0M | -55.6% | $87.4M | $112.6M | +37.0% | $2.56 | +36.9% | $147.8M | $147.8M | +7.9% |
| FY 2019 | $134.5M | +6.7% | $78.5M | $121.0M | +7.5% | $2.74 | +7.0% | $153.5M | $153.5M | +3.9% |
| FY 2020 | $140.9M | +4.8% | $108.3M | $104.4M | -13.7% | $2.37 | -13.5% | $142.4M | $142.4M | -7.2% |
| FY 2021 | $151.0M | +7.2% | $132.2M | $154.9M | +48.4% | $3.54 | +49.4% | $157.6M | $157.6M | +10.7% |
| FY 2022 | $150.7M | -0.2% | $128.8M | $152.0M | -1.9% | $3.52 | -0.6% | $183.2M | $176.2M | +11.8% |
| FY 2023 | $144.7M | -3.9% | $0.2M | $118.8M | -21.9% | $2.65 | -24.7% | $157.5M | $148.2M | -15.9% |
| FY 2024 | $165.7M | +14.5% | $165.7M | $140.6M | +18.4% | $2.97 | +12.1% | $188.6M | $176.8M | +19.3% |
| FY 2025 | $183.0M | +10.4% | $183.0M | $169.2M | +20.3% | $3.33 | +12.1% | $235.2M | $218.9M | +23.8% |
Valuation
Market Price
$53.55
Market Cap
$2.79B
Enterprise Value
$2.16B
P/E Ratio
16.08
P/B Ratio
1.47
FCF Yield
7.86%
Dividend Yield
2.65%
Shares Outstanding
Profitability & Margins
Gross Margin
46.62%
Operating Margin
119.95%
Net Margin
92.50%
Return on Equity (ROE)
8.92%
Return on Assets (ROA)
293.53%
Asset Turnover
3.17x
Revenue 3-Yr CAGR
6.69%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
0.023
Debt / Assets
0.749
Cash & Equivalents
$672.68M
Total Debt
$43.18M
Book Value / Share
$36.46
Cash Flow Efficiency
Operating Cash Flow
$235.22M
Capital Expenditures (CapEx)
$16.30M
Free Cash Flow
$218.92M
OCF / Revenue
128.57%
FCF / Revenue
119.66%
FCF 3-Yr CAGR
7.50%
Per Share Metrics
EPS (Diluted)
$3.33
EPS (Basic)
$3.34
Dividends / Share
$1.42
Book Value / Share
$36.46
EPS YoY Growth
12.12%
Balance Sheet (FY 2025)
Total Assets
$57.66M
Total Liabilities
$64.98M
Stockholders' Equity
$1.90B
Current Assets
N/A
Current Liabilities
N/A