FY2025 · ended Dec 31, 2025 · Revenue $182.95M, +10.4% YoY · Filed Feb 27, 2026
NBT Bancorp Inc (NBTB) files with the SEC under industry code 6021, National Commercial Banks. In fiscal 2025, which ended Dec 31, 2025, it reported revenue of $183.0 million and net income of $169.2 million. Free cash flow was $218.9 million. As of Jun 30, 2026 it held $2.3 billion in cash and investments and $316.4 million in total debt.
Revenue
$182.95M
+10.4% vs prior year
Net income
$169.24M
+20.3% vs prior year
Operating cash flow (TTM)
$261.66M
+37.9% vs year-ago TTM
Free cash flow (TTM)
$245.61M
+39.7% vs year-ago TTM
EPS
$3.33
+12.1% vs prior year
Dividend per share (TTM)
$1.48
+8.8% vs year-ago TTM
Shares outstanding
52.20M
+10.5% vs prior year
Net cash
$1.98B
as of Jun 30, 2026
Operating margin
—
Company profile
- Industry
- National Commercial Banks (SIC 6021)
- Listed as
- NBTB (Nasdaq)
- Fiscal year ends
- December 31
- Incorporated in
- DE
- Headquarters
- Norwich, NY
- SEC filer status
- Large accelerated filer
- SEC CIK
- 790359
Other National Commercial Banks companies
Key figures
Fiscal-year totals from the annual reports. Balance sheet lines are as of each year end.
| Line | FY 2025 Dec 31, 2025 |
FY 2024 Dec 31, 2024 |
FY 2023 Dec 31, 2023 |
FY 2022 Dec 31, 2022 |
FY 2021 Dec 31, 2021 |
|---|---|---|---|---|---|
| Revenue | $183.0M | $165.7M | $144.7M | $150.7M | $151.0M |
| Net income | $169.2M | $140.6M | $118.8M | $152.0M | $154.9M |
| Diluted EPS | $3.33 | $2.97 | $2.65 | $3.52 | $3.54 |
| Operating cash flow | $235.2M | $188.6M | $157.5M | $183.2M | $159.2M |
| Free cash flow | $218.9M | $176.8M | $148.2M | $176.2M | $151.4M |
| Total assets | $16.0B | $13.8B | $13.3B | $11.7B | $12.0B |
| Total liabilities | $14.1B | $12.3B | $11.9B | $10.6B | $10.8B |
| Stockholders' equity | $1.9B | $1.5B | $1.4B | $1.2B | $1.3B |
| Cash and investments | $2.3B | $1.9B | $1.6B | $1.7B | $3.0B |
| Total debt | $181.2M | $193.2M | $414.9M | $610.6M | $125.4M |
Recent SEC filings
| Form | Description | Filed | Period |
|---|---|---|---|
| 8-K |
Current report
Regulation FD disclosure
|
Nov 3, 2026 | Nov 3, 2026 |
| 8-K |
Current report
Results of operations
|
Oct 27, 2026 | Oct 27, 2026 |
| 8-K |
Current report
Officer or director change
|
Sep 21, 2026 | Sep 21, 2026 |
| 8-K |
Current report
Regulation FD disclosure
|
Sep 8, 2026 | Sep 8, 2026 |
| 10-Q | Quarterly report | Aug 7, 2026 | Jun 30, 2026 |
| 8-K |
Current report
Results of operations
|
Jul 27, 2026 | Jul 27, 2026 |
All 1001 NBT Bancorp Inc SEC filings
Source: SEC EDGAR filings. This is company-reported data, not investment advice.