NBT Bancorp IncNBTB
Price$50.74Intrinsic value$46.099% below price

Financial Snapshot

Revenue, profitability, returns, debt, and capital allocation

Revenue $700MTTM through 30 Jun 2026
Net Income $214.2M+52.3% YoYTTM through 30 Jun 2026
Free Cash Flow $245.6MTTM through 30 Jun 2026

Margins

Current
Operating Margin39.6%
Net Margin30.6%

Returns

11.0%ROE
1.3%ROA
12.8%ROIC

Balance Sheet Health

Debt / Equity0.01x
Net Debt-$269.7Mnet cash position
Cash & Equivalents$294.7M

Quality Metrics

Piotroski F-Score4 / 9
FCF Margin35.1%
Rule of 4043.6
Earnings-Beat Rate75.0%

Multi-Year Trend

Revenue
'19'20'21'22'23'24'25
FY2025: $183M
Diluted EPS$4.11TTM
'19'20'21'22'23'24'25
FY2025: $3.33

Dividend

$0.74Per share, FY20261.46%Yield-7.6%5-yr growth

Capital Allocation

Capex Intensity2.3%

Segment Performance

No segment data available.

All values are periodic snapshots, not live quotes. Source dates are shown for reference.

Filing Detail Members

This section is available to registered members. Create a free account or sign in to unlock the full breakdown.

Sign in / Sign up
AI-assisted, source-linked narrative; figures from company filings (SEC EDGAR) and market data. Dates shown per section. Not investment advice. Terms of Use.