NBT Bancorp Inc.
NBTB · NASDAQ
9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 | |
|---|---|---|---|---|
| Revenue | $238,774 | $224,020 | $201,197 | $199,486 |
| % Growth | 6.6% | 11.3% | 0.9% | – |
| Cost of Goods Sold | $55,804 | $71,192 | $54,735 | $53,841 |
| Gross Profit | $182,970 | $152,828 | $146,462 | $145,645 |
| % Margin | 76.6% | 68.2% | 72.8% | 73% |
| R&D Expenses | $0 | $0 | $0 | $0 |
| G&A Expenses | $21,854 | $20,731 | $62,388 | $63,297 |
| SG&A Expenses | $21,854 | $21,705 | $63,526 | $64,287 |
| Sales & Mktg Exp. | $0 | $974 | $1,138 | $990 |
| Other Operating Expenses | $89,291 | $100,416 | $35,715 | $35,811 |
| Operating Expenses | $111,145 | $122,121 | $99,241 | $100,098 |
| Operating Income | $71,825 | $30,707 | $47,221 | $45,547 |
| % Margin | 30.1% | 13.7% | 23.5% | 22.8% |
| Other Income/Exp. Net | $0 | $0 | $0 | $0 |
| Pre-Tax Income | $71,825 | $30,707 | $47,221 | $45,547 |
| Tax Expense | $17,354 | $8,197 | $10,476 | $9,542 |
| Net Income | $54,471 | $22,510 | $36,745 | $36,005 |
| % Margin | 22.8% | 10% | 18.3% | 18% |
| EPS | 1.16 | 0.48 | 0.78 | 0.76 |
| % Growth | 141.7% | -38.5% | 2.6% | – |
| EPS Diluted | 1.16 | 0.48 | 0.77 | 0.76 |
| Weighted Avg Shares Out | 47,109 | 47,109 | 47,109 | 47,195 |
| Weighted Avg Shares Out Dil | 47,109 | 47,109 | 47,109 | 47,506 |
| Supplemental Information | – | – | – | – |
| Interest Income | $190,467 | $177,577 | $154,404 | $157,737 |
| Interest Expense | $55,804 | $53,357 | $47,181 | $51,632 |
| Depreciation & Amortization | $3,429 | $8,408 | $7,026 | $6,908 |
| EBITDA | $75,254 | $39,115 | $54,247 | $52,455 |
| % Margin | 31.5% | 17.5% | 27% | 26.3% |