# NBT Bancorp Inc. (NBTB)

> Financial Services · US · Reports in USD

Fundamental indicators from Sponda, adjusted for inflation.

[HTML version](https://sponda.capital/en/NBTB/fundamentals)

## Annual figures

| Year | Revenue (M) | Net Inc. (M) | FCF (M) | Debt (M) | Equity (M) |
| --- | --- | --- | --- | --- | --- |
| 2026 | $ 468.27M | $ 104.17M | $ 109.14M | $ 471.20M | $ 1.94B |
| 2025 | $ 923.81M | $ 173.28M | $ 230.33M | $ 191.25M | $ 1.90B |
| 2024 | $ 826.14M | $ 147.82M | $ 185.86M | $ 414.98M | $ 1.53B |
| 2023 | $ 716.17M | $ 128.43M | $ 160.24M | $ 637.39M | $ 1.43B |
| 2022 | $ 599.89M | $ 169.79M | $ 196.85M | $ 787.95M | $ 1.17B |
| 2021 | $ 588.09M | $ 184.10M | $ 180.02M | $ 311.48M | $ 1.25B |
| 2020 | $ 625.83M | $ 132.98M | $ 171.03M | $ 406.73M | $ 1.19B |
| 2019 | $ 654.93M | $ 156.21M | $ 189.50M | $ 820.68M | $ 1.12B |
| 2018 | $ 613.86M | $ 148.66M | $ 185.39M | $ 1.05B | $ 1.02B |
| 2017 | $ 572.71M | $ 110.67M | $ 175.41M | $ 909.19M | $ 958.18M |
| 2016 | $ 549.23M | $ 107.88M | $ 146.12M | $ 886.99M | $ 913.32M |
| 2015 | $ 540.42M | $ 107.30M | $ 163.36M | $ 674.12M | $ 882.00M |
| 2014 | $ 534.77M | $ 106.08M | $ 111.33M | $ 548.94M | $ 864.18M |
| 2013 | $ 525.26M | $ 87.82M | $ 161.47M | $ 866.06M | $ 816.57M |
| 2012 | $ 465.05M | $ 78.77M | $ 118.19M | $ 605.86M | $ 582.27M |
| 2011 | $ 470.58M | $ 85.07M | $ 108.44M | $ 627.36M | $ 538.11M |
| 2010 | $ 514.24M | $ 86.92M | $ 125.56M | $ 529.31M | $ 533.57M |
| 2009 | $ 535.29M | $ 78.75M | $ 73.41M | $ 710.68M | $ 505.12M |
| 2008 | $ 554.36M | $ 88.35M | $ 123.08M | $ 838.70M | $ 431.85M |
| 2007 | $ 553.90M | $ 76.20M | $ 126.41M | $ 793.35M | $ 397.30M |
| 2006 | $ 393.59M | $ 64.14M | $ 92.88M | $ 838.56M | $ 403.82M |

Columns not available in this view: annualPriceMultiples, dividends. They require live market data and are shown on the HTML page instead.

## Leverage and liquidity

| Indicator | Value |
| --- | --- |
| Gross Debt / Eq | 0.24 |
| Liabilities / Eq | 7.34 |
| Current Ratio | 0.59 |

## Debt coverage

| Indicator | Value |
| --- | --- |
| Gross Debt / Earnings | 3.12 |
| Gross Debt / FCF | 2.53 |

## Other views

- [Metrics](https://sponda.capital/en/NBTB.md)
- [Charts](https://sponda.capital/en/NBTB/charts.md)
- [Compare](https://sponda.capital/en/NBTB/compare.md)
- [Indicator definitions](https://sponda.capital/en/screener.md)

Data as of 2026-08-29.