Name: NBT Bancorp Inc. (NBTB) Financial Statements
Creator: FinSpry

NBT Bancorp Income Statement Analysis

Revenue, earnings, and profit margins in millions USD

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NBT Bancorp Inc. income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018
Period Ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018
Revenue & Gross Profit
Revenue	678.34	574.44	520.40	515.12	487.14	410.82	455.58	426.17
Cost of Revenue	0.00	231.16	0.00	0.00	0.00	0.00	0.00	0.00
Gross Profit	0.00	554.83	0.00	0.00	0.00	0.00	0.00	0.00
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	0.00	242.64	210.48	193.85	178.14	173.05	168.17	182.97
Operating Expenses	0.00	375.38	0.00	0.00	0.00	0.00	0.00	0.00
Operating Income	0.00	179.46	0.00	0.00	0.00	0.00	0.00	0.00
Other Income/Expense
Interest Income	0.00	611.67	522.79	384.07	339.88	348.28	367.53	344.26
Interest Expense	0.00	211.55	143.65	21.88	18.79	32.60	55.98	38.63
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	0.00	179.46	153.46	196.16	199.86	133.09	155.43	137.00
Income Tax Expense	50.21	38.82	34.68	44.16	44.97	28.70	34.41	24.44
Net Income	169.24	140.64	118.78	152.00	154.89	104.39	121.02	112.57
Net Income - Continuous Operations	0.00	140.64	118.78	152.00	154.89	0.00	0.00	0.00
Net Income - Discontinued Operations	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EBITDA	0.00	206.95	0.00	0.00	0.00	0.00	0.00	0.00
EBIT	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Depreciation & Amortization	0.00	8.44	4.73	2.26	2.81	3.40	3.60	4.04
Earnings Per Share
Basic EPS	3.00	3.00	3.00	4.00	4.00	2.00	3.00	3.00
Diluted EPS	3.00	3.00	3.00	4.00	4.00	2.00	3.00	3.00
Basic Shares Outstanding	50.67	47.19	44.53	42.94	43.42	43.69	0.04	43.70
Diluted Shares Outstanding	50.88	47.43	44.77	43.18	43.72	43.99	0.04	44.02