N
NBT Bancorp Inc. (NBTB)
NMS – Real Time Price. Currency in USD
49.59
+0.33 (0.67%)
At close: Jun 26, 2026, 4:00 PM EDT
49.59
-0.00 (-0.00%)
After-hours: Jun 26, 2026, 4:31 PM EDT
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NMS – Real Time Price. Currency in USD
49.59
+0.33 (0.67%)
At close: Jun 26, 2026, 4:00 PM EDT
49.59
-0.00 (-0.00%)
After-hours: Jun 26, 2026, 4:31 PM EDT
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| NAME | RATIO | INDUSTRY | 5Y TREND | SCORE |
|---|---|---|---|---|
| Current ratio | 0.19 | 2.82 | 2.0 | |
| Quick ratio | N/A | 2.82 | 1.0 | |
| Debt to Equity | 0.16 | 0.05 | 9.0 | |
| Debt to Assets | 0.02 | 0.09 | 9.0 | |
| Interest coverage | N/A | N/A | 10 | |
| Weighted average score | 6.2 | |||
| METRIC | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Total Revenue | 540M | 665M | 788M | 906M | 937M |
| Gross Profit | N/A | N/A | N/A | N/A | N/A |
| Operating Income | 197M | 163M | 181M | 239M | 257M |
| Net Income | 152M | 119M | 141M | 169M | 184M |
| EBITDA | N/A | N/A | N/A | N/A | N/A |
| NAME | REVENUE GROWTH | EPS GROWTH | SCORE |
|---|---|---|---|
| Current quarter | 10.13 | 15.58 | 8.0 |
| Next quarter | 4.54 | 3.4 | 4.0 |
| Current year | 9.18 | 9.14 | 6.0 |
| Next year | 5.27 | 8.81 | 5.5 |
| Weighted average score | 5.9 | ||
| NAME | REVENUE | NET INCOME | EPS | FCF | SCORE |
|---|---|---|---|---|---|
| Q/Q | -2.3 | -7.86 | -7.61 | -21.72 | 1.0 |
| Y/Y | 15.32 | 39.18 | 21.25 | 26.92 | 9.8 |
| 3y average | 18.88 | 5.63 | 3.91 | 8.92 | 6.0 |
| 5y average | 13.14 | 12.68 | 11.74 | 11.2 | 7.5 |
| Weighted average score | 6.1 | ||||
| NAME | CURRENT | INDUSTRY | SCORE |
|---|---|---|---|
| Dividend yield | 3.37 | 3.37 | 8.0 |
| Payout ratio | 34.53 | 34.53 | 5.0 |
| 5-year dividend growth rate | 5.63 | 5.63 | 7.0 |
| Years of dividend increase | 13.00 | 13.00 | 8.0 |
| Weighted average score | 7.0 | ||
| NAME | SCALE | SCORE |
|---|---|---|
| Market share | None | 1.0 |
| Intangible assets | None | 1.0 |
| Switching costs | None | 1.0 |
| Network effect | None | 1.0 |
| Economies of scale | None | 1.0 |
| Weighted average score | 1.0 | |
Cash reserves $0.0 barely cover the upcoming debt maturities $297.4M
Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity
Debt-to-equity ratio (0.2) is well below the industry average (0.1), showcasing prudent financial management
The company has no interest-bearing debt, showcasing excellent financial strength
The company generates positive free cash flow $48.6M, supporting its financial health