NBTB
NASDAQ · Banking
N B T Bancorp Inc
$48.10
+0.81 (+1.71%)
Financial Highlights (FY 2026)
Revenue
622.44M
Net Income
172.68M
Gross Margin
—
Profit Margin
29.4%
Rev Growth
+1.5%
D/E Ratio
0.17
Revenue & Net Income
Margin Trends
| FY 2026 | FY 2025 | FY 2024 | FY 2023 | |
|---|---|---|---|---|
| Gross Margin | — | — | 30.6% | 30.6% |
| Operating Margin | 37.9% | 34.1% | 35.9% | 37.9% |
| Profit Margin | 29.4% | 27.9% | 35.6% | 29.9% |
Income Statement
| FY 2026 | FY 2025 | FY 2024 | FY 2023 | |
|---|---|---|---|---|
| Revenue | 622.44M | 613.36M | 438.87M | 377.49M |
| Gross Profit | — | — | 134.35M | 115.56M |
| Operating Income | 235.81M | 209.13M | 157.68M | 143.02M |
| Net Income | 172.68M | 153.14M | 156.15M | 113.04M |
| Gross Margin | — | — | 30.6% | 30.6% |
| Operating Margin | 37.9% | 34.1% | 35.9% | 37.9% |
| Profit Margin | 29.4% | 27.9% | 35.6% | 29.9% |
| Rev Growth | +1.5% | +1.5% | +12.8% | -9.2% |
Balance Sheet
| FY 2026 | FY 2025 | FY 2024 | FY 2023 | |
|---|---|---|---|---|
| Total Debt | 178.77M | 178.77M | 694.49M | 714.57M |
| Total Equity | 1.04B | 1.04B | 1.77B | 1.74B |
| D/E Ratio | 0.17 | 0.17 | 0.39 | 0.41 |
Cash Flow
| FY 2026 | FY 2025 | FY 2024 | FY 2023 | |
|---|---|---|---|---|
| EBITDA | 262.31M | 245.56M | 230.70M | 199.96M |
| Free Cash Flow | — | — | 136.13M | 133.35M |