NBT Bancorp Inc

Financial Services · Banks - Regional

51.50$ +1.6% vs. previous close Closing price · As of: Oct 2, 2026

Statements

Income Statement

NBT Bancorp Inc (NBTB) by the numbers: income statement, balance sheet and cash flow, by year or by quarter. In the most recent period (Q2 26), "Revenue" came in at 235 million USD. Tick rows to compare them in a chart.

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Amounts Change % Common size % Per share

Last 12 Full history

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All figures in millions of USD.

Tick rows to compare them in a chart (up to 4)

Income Statement NBTB
Line item	Q3 16	Q4 16	Q1 17	Q2 17	Q3 17	Q4 17	Q1 18	Q2 18	Q3 18	Q4 18	Q1 19	Q2 19	Q3 19	Q4 19	Q1 20	Q2 20	Q3 20	Q4 20	Q1 21	Q2 21	Q3 21	Q4 21	Q1 22	Q2 22	Q3 22	Q4 22	Q1 23	Q2 23	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26	LTM
Revenue	101	100	102	106	108	110	111	118	120	116	124	127	131	125	124	122	122	124	121	123	122	129	126	132	136	142	145	152	177	189	192	193	201	199	201	224	239	238	233	235	945
Cost of Revenue	12	14	13	14	15	15	15	18	17	18	19	22	21	19	42	26	10	5.7	2.5	-0.4	1.2	7.2	4.4	8.3	9.2	17	23	35	55	57	57	62	57	54	55	71	56	57	54	55	221
Gross Profit	89	86	89	92	93	95	96	100	104	98	105	105	110	106	82	96	112	118	118	123	121	122	122	124	127	125	122	117	122	132	134	131	144	146	146	153	183	181	179	181	724
Research & Development	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–
Selling, General & Administrative	40	38	41	41	41	42	44	45	46	46	46	46	45	46	47	46	47	47	53	54	55	50	46	48	49	17	50	48	51	52	57	57	61	63	62	21	22	22	80	78	202
Total Operating Expenses	59	57	60	60	59	61	63	64	65	68	68	65	69	69	70	65	66	74	67	71	72	74	72	75	76	79	78	78	90	92	91	89	95	100	99	122	111	112	112	111	447
Operating Income	30	30	29	32	34	33	33	36	38	29	37	39	42	37	12	31	46	44	51	52	48	48	50	49	50	47	43	39	32	40	43	42	49	46	47	31	72	70	67	69	277
Interest Expense	5.8	5.7	5.9	6.3	6.9	6.8	7.3	9.0	11	12	14	15	14	13	12	7.0	7.1	6.3	5.3	4.9	4.5	4.1	3.9	3.9	4.7	9.4	19	32	42	52	52	54	55	52	47	53	56	53	48	49	206
Pre-Tax Income	30	30	29	32	34	33	33	36	38	29	37	39	42	37	12	31	46	44	51	52	48	48	50	49	50	47	43	39	32	40	43	42	49	46	47	31	72	70	67	69	277
Income Tax Expense	10	10	8.3	11	11	16	7.0	8.1	8.6	0.7	8.1	8.8	9.3	8.2	1.7	6.6	11	9.4	11	12	11	11	11	11	11	11	9.6	8.7	7.1	9.3	9.4	9.2	11	9.5	10	8.2	17	14	16	16	63
Net Income	20	20	20	21	23	18	26	28	30	29	29	31	32	29	10	25	35	34	40	40	37	37	39	38	39	36	34	30	25	30	34	33	38	36	37	23	54	56	51	53	214
EBITDA	34	33	32	35	37	37	36	40	42	33	42	44	47	42	17	37	51	49	56	57	53	53	55	54	55	51	48	43	38	47	50	49	56	52	54	39	75	72	76	78	302

LTM = last twelve months (sum of the four most recent quarters).

Showing the most recent 40 periods — older statements are on file for this stock.

Data as of: October 2, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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Income Statement

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