NBT Bancorp Inc.
Description
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 indirect and direct consumer, home equity, mortgages, business banking loans, and commercial loans; commercial and industrial, commercial real estate, agricultural, and commercial construction loans; and residential real estate loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan administration 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. Further, it operates as a property management and passive investment company, as well as investment advisor that provides investment management and financial consulting services. The company operates in upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York.
About
CEO
Mr. Scott A. Kingsley CPA
Employees
2,034
Instrument type
Common Stock
Sector
Financial Services
Industry
Banks - Regional
MIC code
XNGS
Address
52 South Broad Street, Norwich, NY 13815, United States
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![Enlarged Chart]()
Oscillators
No data available
Summary
No data available
Moving Averages
No data available
Earnings
| Date | Estimate EPS | Actual EPS | Difference | % Surprise |
|---|---|---|---|---|
| Jan 27, 2026 | — | — | — | — |
| Oct 27, 2025 | — | — | — | — |
| Jul 21, 2025 | — | — | — | — |
| Apr 21, 2025 | — | — | — | — |
| Jan 28, 2025 | 0.77 | 0.77 | 0.00 | 0.00% |
Earnings estimate
|
Current Quarter
(Mar 2025)
|
Next Quarter
(Jun 2025)
|
Current Year
(Dec 2025)
|
Next Year
(Dec 2026)
|
|
|---|---|---|---|---|
| Number of analysts | 5 | 5 | 5 | 5 |
| Average estimate | 0.74 | 0.78 | 3.45 | 4.30 |
| Low estimate | 0.69 | 0.69 | 3.35 | 4.05 |
| High estimate | 0.77 | 0.90 | 3.60 | 4.50 |
| Last year EPS | 0.68 | 0.69 | 2.94 | 3.45 |
[stock_revenue_estimate]
Growth estimates
Current qtr (Mar 2025)
8.240%
Next qtr. (Jun 2025)
13.620%
Current year (Dec 2025)
17.480%
Next year (Dec 2026)
24.490%
Next 5 years (per annum)
—
Past 5 years (per annum)
—
Income statement
| 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|
| Fiscal date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total reported revenue | 517.78M | 515.12M | 475.97M | 458.66M | 451.42M |
| Cost of revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating expense | |||||
| Research & development | — | — | — | — | — |
| Selling general and admin | 203.56M | 193.85M | 178.14M | 166.91M | 186.48M |
| Other operating expenses | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Non operating interest income | |||||
| Income | — | — | — | — | — |
| Expense | — | — | — | — | — |
| Other income expense | — | — | — | — | — |
| Pretax income | 153.46M | 196.16M | 199.86M | 133.09M | 155.43M |
| Tax provision | 34.68M | 44.16M | 44.97M | 28.70M | 34.41M |
| Net income | 118.78M | 152.00M | 154.89M | 104.39M | 121.02M |
| Basic EPS | 2.67 | 3.54 | 3.57 | 2.39 | 2.76 |
| Diluted EPS | 2.65 | 3.52 | 3.54 | 2.37 | 2.74 |
| Basic average shares | 44.49M | 42.94M | 43.39M | 43.68M | 43.85M |
| Diluted average shares | 44.49M | 42.94M | 43.39M | 43.68M | 43.85M |
| EBITDA | — | — | — | — | — |
| Net income from continuing op. | 118.78M | 152.00M | 154.89M | 104.39M | 121.02M |
| Minority interests | — | — | — | — | — |
| Preferred stock dividends | — | — | — | — | — |
Balance sheet
| 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|
| Fiscal date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total assets | — | — | — | — | — |
| Current assets | |||||
| Cash | 173.81M | 166.49M | 157.78M | 160.00M | 170.60M |
| Cash equivalents | — | — | — | — | — |
| Cash and cash equivalents | 205.19M | 197.35M | 1.27B | 672.68M | 216.84M |
| Other short term investments | 1.43B | 1.53B | 1.69B | 1.35B | 975.34M |
| Accounts receivable | — | — | — | — | — |
| Other receivables | — | — | — | — | — |
| Inventory | — | — | — | — | — |
| Prepaid assets | — | — | — | — | — |
| Restricted cash | — | — | — | — | — |
| Assets held for sale | — | — | — | — | — |
| Hedging assets | — | — | — | — | — |
| Other current assets | — | — | — | — | — |
| Non current assets | |||||
| Properties | 146.56M | 121.16M | 125.32M | 125.00M | 121.48M |
| Land and improvements | — | — | — | — | — |
| Machinery furniture equipment | 96.93M | 68.65M | 59.04M | 55.20M | 58.43M |
| Construction in progress | — | — | — | — | — |
| Leases | — | — | — | — | — |
| Accumulated depreciation | -162.82M | -120.76M | -112.27M | -105.99M | -104.28M |
| Goodwill | 764.15M | 569.75M | 570.01M | 572.82M | 561.56M |
| Investment properties | — | — | — | — | — |
| Financial assets | — | — | — | — | — |
| Intangible assets | 40.44M | 7.34M | 8.93M | 11.74M | 12.02M |
| Investments and advances | 2.37B | 2.48B | 2.45B | 2.00B | 1.63B |
| Other non current assets | — | — | — | — | — |
| Total liabilities | — | — | — | — | — |
| Current liabilities | |||||
| Accounts payable | — | — | — | — | — |
| Accrued expenses | — | — | — | — | — |
| Short term debt | 293.00M | 499.00M | — | 25.00M | 655.28M |
| Deferred revenue | — | — | — | — | — |
| Tax payable | — | — | — | — | — |
| Pensions | — | — | — | — | — |
| Other current liabilities | — | — | — | — | — |
| Non current liabilities | |||||
| Long term debt | 250.74M | 202.94M | 213.68M | 238.35M | 165.41M |
| Provision for risks and charges | — | — | — | — | — |
| Deferred liabilities | — | — | — | — | — |
| Derivative product liabilities | — | — | — | — | — |
| Other non current liabilities | — | — | — | — | — |
| Shareholders equity | |||||
| Common stock | 540,000 | 497,000 | 497,000 | 497,000 | 497,000 |
| Retained earnings | 1.02B | 958.43M | 856.20M | 749.06M | 696.21M |
| Other shareholders equity | -160.93M | -190.03M | -23.34M | 417,000 | -19.03M |
| Total shareholders equity | 1.43B | 1.17B | 1.25B | 1.19B | 1.12B |
| Additional paid in capital | 740.94M | 577.85M | 576.98M | 578.08M | 576.71M |
| Treasury stock | 176.69M | 173.20M | 159.88M | 140.43M | 134.00M |
| Minority interest | — | — | — | — | — |
Cash flow statement
| 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 | 1992 | 1991 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||||||||||||||||||||||||
| Net Income | 118.78M | 152.00M | 154.89M | 104.39M | 121.02M | 112.57M | 82.15M | 78.41M | 76.43M | 75.07M | 61.75M | 54.56M | 57.90M | 57.40M | 52.01M | 58.35M | 50.33M | 55.95M | 52.44M | 50.05M | 47.10M | 45.00M | 3.74M | 14.15M | 32.59M | 26.90M | 14.70M | 12.20M | 9.30M | 6.50M | 8.50M | 8.00M | 7.20M |
| Depreciation | 22.27M | 19.06M | 19.88M | 20.55M | 20.32M | 13.32M | 13.02M | 12.95M | 13.51M | 13.37M | 12.82M | 9.67M | 8.51M | 8.40M | 8.64M | 7.33M | 6.94M | 7.72M | 7.20M | 8.94M | 12.07M | 7.64M | 5.08M | 9.02M | 6.81M | 5.47M | 2.70M | 3.30M | 2.60M | 5.30M | 7.10M | 7.10M | 4.80M |
| Deferred Taxes | 5.96M | -19.85M | 864,000 | — | — | — | 4.41M | — | — | 8.35M | 2.34M | -10,000 | -9.48M | -14.96M | -1.50M | 4.78M | 2.24M | 9.77M | 743,000 | 7.60M | 6.36M | 8.66M | -6.33M | -2.19M | 2.07M | -1.02M | -400,000 | -700,000 | -300,000 | -200,000 | 19.50M | 600,000 | 500,000 |
| Stock-Based Compensation | 5.10M | 4.53M | 4.41M | 4.58M | 4.21M | 3.94M | 3.64M | 4.38M | 4.09M | 3.52M | 4.31M | 4.36M | 3.24M | 3.78M | 3.13M | 2.11M | 2.83M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other Non-Cash Items | -8.37M | -5.77M | -5.14M | 9.10M | -8.69M | -10.84M | -6.68M | -5.57M | -2.32M | -10.14M | -48,000 | -4.92M | -4.15M | -826,000 | -3.44M | -4.04M | -1.73M | 10.45M | 7.55M | 29.81M | -12.74M | 9.64M | 34.88M | 15.51M | 8.84M | 2.92M | 6.30M | 6.50M | 6.10M | 800,000 | -29.10M | 4.50M | 5.20M |
| Accounts Receivable | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Accounts Payable | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other Assets & Liabilities | -27.91M | 11.93M | -11.98M | -47.07M | -6.77M | -9.55M | 11.26M | -18.56M | 20.62M | -14.32M | 17.59M | 6.68M | 8.23M | 9.27M | -32.93M | -8.14M | -1.55M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Operating Cash Flow | 115.83M | 161.90M | 162.92M | 91.55M | 130.08M | 109.43M | 107.80M | 71.61M | 112.32M | 75.86M | 98.76M | 70.34M | 64.25M | 63.08M | 25.92M | 60.38M | 59.07M | 83.89M | 67.93M | 96.40M | 52.79M | 70.94M | 37.36M | 36.49M | 50.31M | 34.27M | 23.30M | 21.30M | 17.70M | 12.40M | 6.00M | 20.20M | 17.70M |
| Investing Activities | |||||||||||||||||||||||||||||||||
| Capital Expenditures | -9.25M | -7.01M | -7.74M | -8.16M | -6.65M | -7.40M | -6.69M | -3.31M | -8.19M | -9.00M | -5.77M | -6.99M | -9.95M | -6.51M | -3.87M | -4.89M | -947,000 | -4.18M | -6.06M | -7.36M | -7.83M | -6.85M | -8.45M | -1.64M | -11.60M | -10.95M | -3.90M | -1.40M | -2.00M | -2.00M | -1.80M | -800,000 | -1.70M |
| Net Intangibles | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net Acquisitions | 44.56M | -2.62M | -1.55M | -6.76M | — | -7.88M | -4.00M | -2.00M | -3.10M | — | 80.88M | 52.87M | 81.47M | — | — | -26.23M | — | -23.53M | -6.13M | — | — | — | 9.51M | 74.43M | 116.91M | — | — | — | — | — | — | — | — |
| Purchase of Investments | -88.03M | -630.60M | -1.07B | -920.88M | -323.72M | -533.05M | -294.51M | -754.85M | -576.53M | -247.13M | -438.34M | -504.05M | -668.78M | -684.02M | -537.48M | -476.43M | -386.65M | -345.54M | -310.07M | -296.66M | -736.67M | -713.12M | -350.82M | -183.93M | -518.89M | -373.74M | -318.10M | -278.10M | -143.70M | -195.70M | -185.60M | -175.30M | -278.20M |
| Sale of Investments | 341.98M | 391.28M | 578.01M | 582.54M | 527.48M | 464.82M | 410.74M | 524.14M | 397.78M | 300.72M | 438.52M | 607.12M | 591.18M | 727.05M | 530.61M | 511.67M | 359.30M | 306.96M | 271.13M | 331.72M | 719.04M | 652.39M | 428.93M | 261.99M | 370.67M | 372.87M | 259.60M | 292.90M | 102.90M | 122.20M | 121.30M | 135.80M | 278.90M |
| Investing Cash Flow | 293.89M | -266.27M | -538.30M | -333.82M | 208.36M | -86.45M | 113.92M | -285.51M | -188.64M | 68.50M | 71.56M | 150.68M | -2.58M | 51.20M | -9.67M | 4.12M | -96.95M | -276.53M | -206.09M | -224.70M | -307.77M | -131.95M | 43.05M | -150.99M | -314.22M | -131.01M | -145.80M | -52.80M | -60.90M | -93.00M | -86.50M | -71.70M | 700,000 |
| Financing Activities | |||||||||||||||||||||||||||||||||
| Long-Term Debt Issuance | 25.00M | 1.52M | — | 100.00M | 10.60M | 25.00M | 25.00M | 23.88M | — | 120.05M | — | — | 156,000 | — | — | 340.03M | 150.00M | 51.55M | 65.16M | 30.00M | 125.00M | 80.00M | 247.08M | 5.00M | 75.00M | 120.66M | — | 20.10M | — | — | 5.20M | 5.00M | — |
| Long-Term Debt Payments | -118,000 | -12.70M | -25.10M | -25.11M | -236.53M | -40.15M | -40.22M | -50.24M | -498,000 | -315.83M | -163.60M | -3.35M | -2.15M | -184.82M | -77.51M | -294.68M | -142.84M | -19.16M | -40.19M | -5.18M | -100.78M | -6.86M | -215.01M | -22.54M | -7.43M | -21.54M | -20.00M | -30.60M | -5.70M | -5.70M | -1.00M | — | — |
| Other Financing Charges | -1.88M | -1.75M | -2.93M | -3.72M | -1.62M | -1.89M | -3.58M | -3.39M | -1.66M | — | -178,000 | 8,000 | 341,000 | 140,000 | — | — | 715,000 | 466,000 | — | — | — | — | — | — | 17.00M | -100,000 | — | — | -100,000 | — | -100,000 | — | -100,000 |
| Financing Cash Flow | -269.57M | 409.81M | -168.08M | -470.91M | -489.99M | 92.27M | -21.49M | 153.40M | 58.57M | -372.00M | 61.75M | -64.20M | -35.67M | -207.61M | -119.02M | -137.09M | -39.90M | -92.73M | 106.44M | 36.46M | 199.38M | 34.29M | -51.49M | -22.86M | 128.16M | 49.95M | 20.70M | -14.90M | -34.40M | 104.60M | 11.10M | 2.10M | 6.80M |
| Other Cash Details | |||||||||||||||||||||||||||||||||
| End Cash Position | 205.19M | 197.35M | 1.27B | 672.68M | 216.84M | 180.96M | 159.66M | 149.18M | 140.30M | 146.64M | 158.93M | 163.67M | 129.38M | 168.79M | 187.16M | 110.40M | 162.95M | 138.79M | 142.49M | 106.72M | 128.04M | 124.62M | 129.96M | 130.44M | 110.83M | 87.76M | — | — | — | — | — | — | — |
| Income Tax Paid | 27.64M | 62.80M | 46.10M | 45.79M | 28.37M | 31.90M | 33.68M | 40.88M | 28.68M | 38.91M | 20.85M | 25.51M | 31.26M | 37.03M | 13.95M | 17.08M | 18.01M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Interest Paid | 130.18M | 20.61M | 20.29M | 31.69M | 55.91M | 36.69M | 25.89M | 22.47M | 20.91M | 23.39M | 31.31M | 35.34M | 40.14M | 54.67M | 79.82M | 113.60M | 138.79M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Free Cash Flow | 148.20M | 176.21M | 151.45M | 137.12M | 146.82M | 140.37M | 130.21M | 107.26M | 116.31M | 78.81M | 113.53M | 81.86M | 73.81M | 82.93M | 48.31M | 81.24M | 83.49M | 61.34M | 59.00M | 89.21M | 36.79M | 54.01M | 44.79M | 60.05M | 40.09M | 16.56M | 20.90M | 19.70M | 15.30M | 10.20M | 2.50M | 27.00M | 15.10M |
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