NBT Bancorp Inc.
Profit after direct costs
Core business profitability
Bottom line profitability
Top line growth rate
Flow of revenue through cost categories to net income
| Item | Trend | 2021 | 2022 | 2023 | 2024 | 2025 | YoY Change |
|---|---|---|---|---|---|---|---|
Total Revenue | 494.75M | 537.00M | 662.35M | 785.99M | 867.43M | 10.4% | |
| Cost of Revenue | (10.53M) | (39.03M) | (169.84M) | (231.16M) | (241.70M) | 4.6% | |
Gross Profit | 484.22M | 497.97M | 492.50M | 554.83M | 625.73M | 12.8% | |
| Operating Expenses | |||||||
| Research & Development | — | — | — | — | — | — | |
| Selling, General & Administrative | (178.14M) | (193.85M) | (203.56M) | (242.64M) | (87.34M) | -64.0% | |
| General & Administrative | (175.62M) | (191.03M) | (200.51M) | (239.25M) | (83.33M) | -65.2% | |
| Selling & Marketing | (2.52M) | (2.82M) | (3.05M) | (3.39M) | (4.01M) | 18.5% | |
| Depreciation & Amortization | (19.88M) | (19.06M) | (22.27M) | (27.50M) | (21.59M) | -21.5% | |
Operating Income (EBIT) | 199.86M | 196.16M | 153.46M | 179.46M | 219.44M | 22.3% | |
| Non-Operating Items | |||||||
| Interest Income | 339.88M | 384.07M | 522.79M | 611.67M | 710.99M | 16.2% | |
| Interest Expense | (18.79M) | (21.88M) | (144.57M) | (211.55M) | (209.45M) | -1.0% | |
| Other Income/Expenses (Net) | — | — | — | — | — | — | |
Income Before Tax | 199.86M | 196.16M | 153.46M | 179.46M | 219.44M | 22.3% | |
| Income Tax Expense | (44.97M) | (44.16M) | (34.68M) | (38.82M) | (50.21M) | 29.3% | |
Net Income | 154.88M | 152.00M | 118.78M | 140.64M | 169.24M | 20.3% | |
| Per Share Metrics | |||||||
| Earnings Per Share (Basic) | $4 | $4 | $3 | $3 | $3 | 12.1% | |
| Weighted Avg Shares Outstanding | 43.42M | 42.92M | 44.49M | 47.16M | 47.11M | -0.1% | |
| Weighted Avg Shares Outstanding (Diluted) | 43.72M | 43.18M | 44.77M | 47.43M | 50.88M | 7.3% | |
EBITDA | 219.74M | 215.22M | 175.73M | 206.95M | 241.03M | 16.5% |
Explore NBTB
NBTB in the Financial Services
Mid Cap