NBT BANCORP INC (NBTB)
Q1-CY2026Q4-CY2025Q3-CY2025Q2-CY2025Q1-CY2025Q4-CY2024Q3-CY2024Q2-CY2024Q1-CY2024Q4-CY2023Q3-CY2023Q2-CY2023Q1-CY2023Q4-CY2022Q3-CY2022Q2-CY2022Q1-CY2022Q4-CY2021Q3-CY2021Q2-CY2021Q1-CY2021Q4-CY2020Q3-CY2020Q2-CY2020Q1-CY2020Q4-CY2019Q3-CY2019Q2-CY2019Q1-CY2019Q4-CY2018Q3-CY2018Q2-CY2018Q1-CY2018Q4-CY2017Q3-CY2017Q2-CY2017Q1-CY2017Q4-CY2016Q3-CY2016Q2-CY2016Q1-CY2016Q4-CY2015Q3-CY2015Q2-CY2015Q1-CY2015Q4-CY2014Q3-CY2014Q2-CY2014Q1-CY2014
Balance Sheet Date2025-Dec-312025-Sep-302025-Jun-302025-Mar-312024-Dec-312024-Sep-302024-Jun-302024-Mar-312023-Dec-312023-Sep-302023-Jun-302023-Mar-312022-Dec-312022-Sep-302022-Jun-302022-Mar-312021-Dec-312021-Sep-302021-Jun-302021-Mar-312020-Dec-312020-Sep-302020-Jun-302020-Mar-312019-Dec-312019-Sep-302019-Jun-302019-Mar-312018-Dec-312018-Sep-302018-Jun-302018-Mar-312017-Dec-312017-Sep-302017-Jun-302017-Mar-312016-Dec-312016-Sep-302016-Jun-302016-Mar-312015-Dec-312015-Sep-302015-Jun-302015-Mar-312014-Dec-312014-Sep-302014-Jun-302014-Mar-31
Fiscal PeriodQ4-FY2025Q3-FY2025Q2-FY2025Q1-FY2025Q4-FY2024Q3-FY2024Q2-FY2024Q1-FY2024Q4-FY2023Q3-FY2023Q2-FY2023Q1-FY2023Q4-FY2022Q3-FY2022Q2-FY2022Q1-FY2022Q4-FY2021Q3-FY2021Q2-FY2021Q1-FY2021Q4-FY2020Q3-FY2020Q2-FY2020Q1-FY2020Q4-FY2019Q3-FY2019Q2-FY2019Q1-FY2019Q4-FY2018Q3-FY2018Q2-FY2018Q1-FY2018Q4-FY2017Q3-FY2017Q2-FY2017Q1-FY2017Q4-FY2016Q3-FY2016Q2-FY2016Q1-FY2016Q4-FY2015Q3-FY2015Q2-FY2015Q1-FY2015Q4-FY2014Q3-FY2014Q2-FY2014Q1-FY2014
Total Revenue185,144,000$186,068,000$171,152,000$154,675,000$148,531,000$147,443,000$140,406,000$140,566,000$137,661,000$135,131,000$121,130,000$126,475,000$133,870,000$131,650,000$129,241,000$123,007,000$126,292,000$118,003,000$118,494,000$116,093,000$118,223,000$115,670,000$115,457,000$112,604,000$113,424,000$117,774,000$112,868,000$111,512,000$104,821,000$110,908,000$109,899,000$104,763,000$104,923,000$102,708,000$99,925,000$97,241,000$95,513,000$96,306,000$95,391,000$92,944,000$95,983,000$95,506,000$90,900,000$88,700,000$91,070,000$90,440,000$108,601,000$87,794,000$
QoQ%(.50%)8.72%10.65%4.14%.74%5.01%(.11%)2.11%1.87%11.56%(4.23%)(5.52%)1.69%1.86%5.07%(2.60%)7.02%(.41%)2.07%(1.80%)2.21%.18%2.53%(.72%)(3.69%)4.35%1.22%6.38%(5.49%).92%4.90%(.15%)2.16%2.79%2.76%1.81%(.82%).96%2.63%(3.17%).50%5.07%2.48%(2.60%).70%(16.72%)23.70%.50%
YoY%24.65%26.20%21.90%10.04%7.90%9.11%15.91%11.14%2.83%2.64%(6.28%)2.82%6.00%11.57%9.07%5.96%6.83%2.02%2.63%3.10%4.23%(1.79%)2.29%.98%8.21%6.19%2.70%6.44%(.10%)7.98%9.98%7.74%9.85%6.65%4.75%4.62%(.49%).84%4.94%4.79%5.40%5.60%(16.30%)1.03%4.25%1.19%24.55%13.47%
Cost Of Revenue3,765,000$3,100,000$17,835,000$7,554,000$2,209,000$2,920,000$8,899,000$5,579,000$5,126,000$12,633,000$3,606,000$3,909,000$7,677,000$4,484,000$4,390,000$596,000$3,097,000$(3,342,000$)(5,216,000$)(2,796,000$)(607,000$)3,261,000$18,840,000$29,640,000$5,992,000$6,324,000$7,277,000$5,807,000$6,528,000$6,026,000$8,778,000$7,496,000$8,153,000$7,889,000$7,567,000$7,379,000$8,165,000$6,388,000$4,780,000$6,098,000$5,779,000$4,966,000$3,898,000$3,642,000$6,892,000$4,885,000$4,166,000$3,596,000$
Gross Profit181,379,000$182,968,000$153,317,000$147,121,000$146,322,000$144,523,000$131,507,000$134,987,000$132,535,000$122,498,000$117,524,000$122,566,000$126,193,000$127,166,000$124,851,000$122,411,000$123,195,000$121,345,000$123,710,000$118,889,000$118,830,000$112,409,000$96,617,000$82,964,000$107,432,000$111,450,000$105,591,000$105,705,000$98,293,000$104,882,000$101,121,000$97,267,000$96,770,000$94,819,000$92,358,000$89,862,000$87,348,000$89,918,000$90,611,000$86,846,000$90,204,000$90,540,000$87,002,000$85,058,000$84,178,000$85,555,000$104,435,000$84,198,000$
Gross Margin97.97%98.33%89.58%95.12%98.51%98.02%93.66%96.03%96.28%90.65%97.02%96.91%94.27%96.59%96.60%99.52%97.55%102.83%104.40%102.41%100.51%97.18%83.68%73.68%94.72%94.63%93.55%94.79%93.77%94.57%92.01%92.85%92.23%92.32%92.43%92.41%91.45%93.37%94.99%93.44%93.98%94.80%95.71%95.89%92.43%94.60%96.16%95.90%
Operating Expenses111,688,000$111,143,000$122,610,000$99,900,000$100,775,000$95,745,000$89,588,000$91,773,000$92,751,000$90,797,000$78,794,000$79,322,000$79,509,000$76,694,000$76,119,000$72,143,000$75,105,000$72,869,000$71,419,000$67,888,000$75,204,000$66,308,000$65,340,000$70,881,000$70,294,000$69,749,000$66,231,000$68,460,000$68,904,000$66,497,000$64,888,000$64,272,000$63,444,000$60,601,000$60,321,000$61,282,000$57,639,000$59,614,000$60,445,000$58,224,000$60,619,000$59,891,000$57,964,000$57,702,000$56,743,000$69,067,000$62,736,000$57,517,000$
Operating Income
Operating Margin
Interest Income
Interest Expenses53,104,000$55,804,000$53,357,000$47,181,000$51,632,000$54,561,000$53,592,000$51,763,000$51,741,000$42,199,000$31,504,000$19,126,000$9,393,000$4,736,000$3,898,000$3,853,000$4,126,000$4,541,000$4,866,000$5,255,000$6,333,000$7,051,000$7,000,000$12,220,000$13,393,000$14,327,000$14,606,000$13,653,000$11,649,000$10,677,000$9,026,000$7,274,000$6,779,000$6,917,000$6,273,000$5,945,000$5,684,000$5,847,000$5,598,000$5,377,000$5,259,000$5,255,000$5,042,000$5,060,000$5,390,000$5,371,000$5,882,000$6,560,000$
Income Before Tax69,691,000$71,825,000$30,707,000$47,221,000$45,547,000$48,778,000$41,919,000$43,214,000$39,784,000$31,701,000$38,730,000$43,244,000$46,684,000$50,472,000$48,732,000$50,268,000$48,090,000$48,476,000$52,291,000$51,001,000$43,626,000$46,101,000$31,277,000$12,083,000$37,126,000$41,701,000$39,360,000$37,245,000$29,389,000$38,385,000$36,233,000$32,995,000$33,326,000$34,218,000$32,037,000$28,580,000$29,709,000$30,304,000$30,166,000$28,622,000$29,585,000$30,649,000$29,038,000$27,356,000$27,435,000$16,488,000$41,699,000$26,681,000$
Tax Expenses14,182,000$17,354,000$8,197,000$10,476,000$9,542,000$10,681,000$9,203,000$9,391,000$9,338,000$7,095,000$8,658,000$9,586,000$10,563,000$11,499,000$10,957,000$11,142,000$10,780,000$11,043,000$11,995,000$11,155,000$9,432,000$10,988,000$6,564,000$1,715,000$8,166,000$9,322,000$8,805,000$8,118,000$737,000$8,578,000$8,112,000$7,009,000$15,689,000$11,342,000$10,678,000$8,301,000$10,101,000$10,303,000$10,257,000$9,731,000$10,458,000$10,798,000$9,757,000$9,190,000$8,922,000$5,576,000$14,059,000$8,672,000$
Net Income55,509,000$54,471,000$22,510,000$36,745,000$36,005,000$38,097,000$32,716,000$33,823,000$30,446,000$24,606,000$30,072,000$33,658,000$36,121,000$38,973,000$37,775,000$39,126,000$37,310,000$37,433,000$40,296,000$39,846,000$34,194,000$35,113,000$24,713,000$10,368,000$28,960,000$32,379,000$30,555,000$29,127,000$28,652,000$29,807,000$28,121,000$25,986,000$17,637,000$22,876,000$21,359,000$20,279,000$19,608,000$20,001,000$19,909,000$18,891,000$19,127,000$19,851,000$19,281,000$18,166,000$18,513,000$10,912,000$27,640,000$18,009,000$
Profit Margin29.98%29.28%13.15%23.76%24.24%25.84%23.30%24.06%22.12%18.21%24.83%26.61%26.98%29.60%29.23%31.81%29.54%31.72%34.01%34.32%28.92%30.36%21.41%9.21%25.53%27.49%27.07%26.12%27.33%26.88%25.59%24.81%16.81%22.27%21.38%20.85%20.53%20.77%20.87%20.33%19.93%20.79%21.21%20.48%20.33%12.07%25.45%20.51%
TTM24.28%22.67%21.45%24.29%24.38%23.86%21.96%22.25%22.83%24.09%27.06%28.11%29.36%30.03%30.54%31.74%32.34%32.24%31.90%28.76%22.60%21.69%21.00%22.39%26.56%27.01%26.84%26.47%26.15%23.59%22.41%21.31%20.29%21.28%20.89%20.76%20.63%20.47%20.48%20.56%20.60%20.70%18.52%19.86%19.87%19.91%22.20%20.50%
Earnings to Minority
Earnings to Common Shareholders55,509,000$54,471,000$22,510,000$36,745,000$36,005,000$38,097,000$32,716,000$33,823,000$30,446,000$24,606,000$30,072,000$33,658,000$36,121,000$38,973,000$37,775,000$39,126,000$37,310,000$37,433,000$40,296,000$39,846,000$34,194,000$35,113,000$24,713,000$10,368,000$28,960,000$32,379,000$30,555,000$29,127,000$28,652,000$29,807,000$28,121,000$25,986,000$17,637,000$22,876,000$21,359,000$20,279,000$19,608,000$20,001,000$19,909,000$18,891,000$19,127,000$19,851,000$19,281,000$18,166,000$18,513,000$10,912,000$27,640,000$18,009,000$
QoQ%1.91%141.99%(38.74%)2.06%(5.49%)16.45%(3.27%)11.09%23.73%(18.18%)(10.65%)(6.82%)(7.32%)3.17%(3.45%)4.87%(.33%)(7.11%)1.13%16.53%(2.62%)42.08%138.36%(64.20%)(10.56%)5.97%4.90%1.66%(3.88%)6.00%8.22%47.34%(22.90%)7.10%5.33%3.42%(1.97%).46%5.39%(1.23%)(3.65%)2.96%6.14%(1.87%)69.66%(60.52%)53.48%.47%
YoY%54.17%42.98%(31.20%)8.64%18.26%54.83%8.79%.49%(15.71%)(36.86%)(20.39%)(13.98%)(3.19%)4.11%(6.26%)(1.81%)9.11%6.61%63.06%284.32%18.07%8.44%(19.12%)(64.40%)1.08%8.63%8.66%12.09%62.45%30.30%31.66%28.14%(10.05%)14.37%7.28%7.35%2.52%.76%3.26%3.99%3.32%81.92%(30.24%).87%3.28%(43.34%)63.40%135.44%
Earnings Per Share, Basic1.06$1.04$0.45$0.78$0.76$0.81$0.69$0.72$0.65$0.54$0.70$0.78$0.84$0.91$0.88$0.91$0.86$0.86$0.93$0.91$0.78$0.80$0.57$0.24$0.66$0.74$0.70$0.67$0.66$0.68$0.64$0.60$(0.14$)0.52$0.49$0.47$(0.15$)0.46$0.46$0.44$(0.15$)0.45$0.44$0.41$(0.14$)0.25$0.63$0.41$
Earnings Per Share, Diluted1.04$1.04$0.45$0.78$0.75$0.81$0.69$0.72$0.63$0.54$0.70$0.78$0.82$0.91$0.88$0.91$0.84$0.86$0.93$0.91$0.76$0.80$0.57$0.24$0.64$0.74$0.70$0.67$0.64$0.68$0.64$0.60$(0.14$)0.52$0.49$0.47$(0.15$)0.46$0.46$0.44$(0.15$)0.45$0.44$0.41$(0.14$)0.25$0.63$0.41$
Unlevered FCF Per Share, Basic1.26$1.54$0.92$0.89$1.04$1.11$1.07$0.78$0.76$1.21$1.06$0.51$0.69$1.19$1.60$0.82$0.52$0.95$1.23$0.97$0.87$0.70$0.83$0.93$1.13$0.96$0.52$0.90$1.10$0.97$0.39$0.92$(0.31$)0.70$0.64$(0.24$)0.69$0.36$0.24$0.74$
Unlevered FCF Per Share, Diluted1.24$1.54$0.92$0.89$1.02$1.11$1.07$0.78$0.74$1.21$1.06$0.51$0.68$1.19$1.60$0.82$0.50$0.95$1.23$0.97$0.84$0.70$0.83$0.93$1.10$0.96$0.52$0.90$1.07$0.97$0.39$0.92$(0.31$)0.70$0.64$(0.24$)0.69$0.36$0.24$0.74$
Average Shares, Basic52,359,00052,426,00050,575,00047,244,00047,182,00047,172,00047,158,00047,148,00047,150,00045,163,00042,905,00042,894,00042,844,00042,838,00042,845,00043,141,00043,291,00043,360,00043,474,00043,559,00043,657,00043,643,00043,637,00043,835,00043,841,00043,825,00043,809,00043,785,00043,728,00043,714,00043,699,00043,663,000-130,512,70043,595,00043,579,00043,513,000-129,468,02443,200,00043,099,00043,342,000-131,676,65643,692,00044,007,00044,153,000-131,333,49243,882,00043,865,00043,762,000
Average Shares, Diluted53,255,00052,426,00050,575,00047,244,00048,254,00047,172,00047,158,00047,148,00048,118,00045,163,00042,905,00042,894,00043,900,00042,838,00042,845,00043,141,00044,483,00043,360,00043,474,00043,559,00044,841,00043,643,00043,637,00043,835,00045,077,00043,825,00043,809,00043,785,00045,004,00043,714,00043,699,00043,663,000-130,511,38043,595,00043,579,00043,513,000-129,376,51243,200,00043,009,00043,342,000-131,674,44443,692,00044,007,00044,153,000-131,331,42043,882,00043,865,00043,762,000
EBIT122,795,000$127,629,000$84,064,000$94,402,000$97,179,000$103,339,000$95,511,000$94,977,000$91,525,000$73,900,000$70,234,000$62,370,000$56,077,000$55,208,000$52,630,000$54,121,000$52,216,000$53,017,000$57,157,000$56,256,000$49,959,000$53,152,000$38,277,000$24,303,000$50,519,000$56,028,000$53,966,000$50,898,000$41,038,000$49,062,000$45,259,000$40,269,000$40,105,000$41,135,000$38,310,000$34,525,000$35,393,000$36,151,000$35,764,000$33,999,000$34,844,000$35,904,000$34,080,000$32,416,000$32,825,000$21,859,000$47,581,000$33,241,000$
EBITDA122,795,000$127,629,000$84,064,000$94,402,000$97,179,000$103,339,000$95,511,000$94,977,000$91,525,000$73,900,000$70,234,000$62,370,000$56,077,000$55,208,000$52,630,000$54,121,000$52,216,000$53,017,000$57,157,000$56,256,000$49,959,000$53,152,000$38,277,000$24,303,000$50,519,000$56,028,000$53,966,000$50,898,000$41,038,000$49,062,000$45,259,000$40,269,000$40,105,000$41,135,000$38,310,000$34,525,000$35,393,000$36,151,000$35,764,000$33,999,000$34,844,000$35,904,000$34,080,000$32,416,000$32,825,000$21,859,000$47,581,000$33,241,000$