NBT Bancorp Inc. (NBTB)

From the record

NBT Bancorp Inc.'s filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

From the record

NBT Bancorp Inc.'s 10 filed years say what it did: revenue went from $287 million in fiscal 2016 to $711 million in fiscal 2025, up 10.6% a year; it rose in 7 of 9 years; the deepest fall was 8% from fiscal 2019 to fiscal 2021; net income was positive in 10 of 10 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, NBT Bancorp Inc.'s diluted share count grew about 5.6% a year, and dividends and buybacks returned about 35% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 8 sales and 5 purchases of their own stock on the open market in the year to 2026-09-30, buying about $2 million (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, NBT Bancorp Inc. earned about 9 cents of profit for every dollar of shareholders' money. Leverage: it owed about 88 cents per dollar of assets, and net share issuance: its share count grew 7.3% over the year (the filed statements).

From the record

NBT Bancorp Inc.'s standing among 79 graded names in its industry family: revenue of $711 million in fiscal 2025 ranks in the top 47% by size; a net margin of 23.8% ranks in the top 42%; revenue growth of 22.8% a year over the last 3 filed years ranks in the top 23% (its annual reports).

From the record

NBT Bancorp Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Kingsley, Scott Allen (President & CEO NBT Bancorp, as filed), filing under that title since 2024-05-22, 2.5 years (bottom 19% of its family); the 23 officers and directors filing in the last fifteen months have been on the record a median of 6.1 years (bottom 36%); 7 officer or director changes were reported on Form 8-K since 2023-11-13, against the 23 people in charge now (top 37%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

NBT Bancorp Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $487 million against no long-term debt tagged leaves 3% of its assets as net cash, top 44% of its family; cash from operations less capital spending is 30.8% of revenue (top 21%) (its annual report).

From the record

NBT Bancorp Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 22.8% a year over the last three filed years against 10.6% over all 10, speeding up (top 13% of its family); the newest year grew 16.2% (top 13%); capital spending grew 32.5% a year (top 21%) (its annual reports). NBT Bancorp Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

From the record

NBT Bancorp Inc.'s newest year against its own record: revenue of $711 million in fiscal 2025 came in 7.9% below the $772 million its prior three years' pace pointed to (top 19% of its family); net income of $169 million against a prior three-year average of $137 million (top 44%); a net margin of 23.8% against 28.4% before (bottom 28%) (its annual reports).