NBT Bancorp Inc. (NBTB)

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AI Score

Our AI model analyzes fundamental, technical, and statistical indicators to predict the probability of a bullish trend over the next three months.

We regularly update and refine our models to deliver the most reliable forecasts for you.

Bullish Probability	Sentiment	Score
+80%	Strong Buy	10
+75%	Buy	9
+70%	Buy	8
+60%	Buy	7
+50%	Hold	6
+45%	Hold	5
+40%	Hold	4
+35%	Sell	3
+30%	Sell	2
+20%	Strong Sell	1

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51.66

0.10%

After-hours Dec 13, 2024, 04:00 PM EST

Income Statement (Annual)

Get detailed income statement breakdowns, uncovering revenue, expenses, and much more.

Boring Mode

Year	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11	FY10	FY09	FY08	FY07	FY06	FY05	FY04	FY03	FY02	FY01	FY00	FY99	FY98	FY97	FY96	FY95	FY94	FY93	FY92	FY91
Revenue	490.37M	515.12M	475.97M	458.66M	451.42M	426.17M	400.03M	376.70M	364.29M	355.26M	338.68M	288.97M	280.59M	286.42M	276.60M	257.75M	224.73M	212.46M	200.66M	191.38M	182.20M	179.26M	162.07M	113.73M	72.40M	67.40M	61.80M	56.90M	49.70M	51.70M	53.50M	52.00M	48.10M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	490.37M	515.12M	475.97M	458.66M	451.42M	426.17M	400.03M	376.70M	364.29M	355.26M	338.68M	288.97M	280.59M	286.42M	276.60M	257.75M	224.73M	212.46M	200.66M	191.38M	182.20M	179.26M	162.07M	113.73M	72.40M	67.40M	61.80M	56.90M	49.70M	51.70M	53.50M	52.00M	48.10M
Operating Income	201.98M	218.04M	199.86M	133.09M	155.43M	175.63M	128.16M	118.80M	116.63M	112.30M	89.94M	77.37M	79.17M	78.32M	72.64M	83.76M	72.11M	80.10M	75.89M	71.98M	68.57M	66.81M	4.28M	11.19M	30.00M	23.70M	23.00M	19.30M	15.10M	10.00M	13.90M	13.50M	10.30M
Interest Income	522.79M	384.07M	339.88M	348.28M	367.53M	344.25M	309.41M	286.95M	273.22M	275.08M	268.72M	239.40M	240.00M	255.74M	273.39M	294.41M	306.12M	288.84M	236.37M	210.18M	207.30M	227.22M	255.43M	190.53M	102.00M	101.10M	96.20M	84.40M	77.40M	70.40M	67.00M	69.20M	78.60M
Pretax Income	153.46M	196.16M	199.86M	133.09M	155.43M	137.00M	128.16M	118.80M	116.63M	112.30M	89.94M	77.37M	79.17M	78.32M	72.64M	83.76M	72.11M	80.10M	75.89M	71.98M	68.57M	66.81M	4.28M	11.19M	30.00M	23.70M	23.00M	19.30M	15.10M	10.00M	13.90M	13.50M	10.30M
Net Income	118.78M	152.00M	154.88M	104.39M	121.02M	112.57M	82.15M	78.41M	76.42M	75.07M	61.75M	54.56M	57.90M	57.40M	52.01M	58.35M	50.33M	55.95M	52.44M	50.05M	47.10M	45.00M	3.74M	7.19M	18.40M	19.10M	14.70M	12.20M	9.30M	6.50M	8.50M	8.00M	7.20M
Selling & General & Admin	203.56M	193.85M	201.14M	189.57M	186.48M	182.97M	164.47M	160.03M	155.07M	150.56M	143.66M	131.46M	113.01M	121.73M	104.66M	71.16M	59.52M	62.88M	60.01M	54.06M	49.56M	49.13M	48.42M	35.41M	19.60M	19.20M	17.90M	17.80M	16.30M	16.20M	16.20M	15.70M	16.40M
Research & Development	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other Expenses	-	-89.39M	-477.25M	-515.15M	-482.47M	-433.52M	-75.00M	-70.98M	-	-	-	-	-	-	-	-	-	-	-	-173.46M	-163.19M	-161.58M	-206.21M	-137.95M	-62.00M	-62.90M	-56.70M	-55.40M	-50.90M	-57.90M	-55.80M	-54.20M	-54.20M
Operating Expenses	288.39M	67.74M	-276.11M	-325.57M	-295.99M	-250.55M	75.00M	70.98M	236.18M	246.06M	228.93M	193.89M	21.30M	22.88M	19.59M	16.78M	15.47M	13.30M	10.51M	-119.39M	-113.63M	-112.45M	-157.79M	-102.54M	-42.40M	-43.70M	-38.80M	-37.60M	-34.60M	-41.70M	-39.60M	-38.50M	-37.80M
Interest Expense	144.57M	21.88M	18.79M	32.60M	55.98M	38.63M	25.91M	22.51M	20.62M	23.20M	30.64M	35.19M	39.72M	53.21M	76.92M	108.37M	141.09M	125.01M	78.26M	59.69M	62.87M	80.40M	117.50M	96.02M	41.40M	43.70M	42.50M	36.40M	34.80M	25.70M	23.20M	27.20M	38.30M
Selling & Marketing Expenses	3.05M	2.82M	2.52M	2.29M	2.77M	2.78M	2.74M	2.56M	2.65M	2.83M	3.20M	2.89M	3.46M	3.49M	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cost & Expenses	288.39M	67.74M	-276.11M	-325.57M	-295.99M	-250.55M	299.61M	280.38M	236.18M	246.06M	228.93M	193.89M	21.30M	22.88M	19.59M	16.78M	15.47M	13.30M	10.51M	-119.39M	-113.63M	-112.45M	-157.79M	-102.54M	-42.40M	-43.70M	-38.80M	-37.60M	-34.60M	-41.70M	-39.60M	-38.50M	-37.80M
Income Tax	34.68M	44.16M	44.97M	28.70M	34.41M	24.44M	46.01M	40.39M	40.20M	37.23M	28.20M	22.82M	21.27M	20.91M	20.63M	25.41M	21.79M	24.15M	23.45M	21.94M	21.47M	21.81M	542.00K	4.00M	11.60M	4.60M	8.30M	7.10M	5.80M	3.50M	5.40M	5.50M	3.10M
Shares Outstanding (Basic)	44.82M	42.92M	43.42M	43.69M	43.81M	43.63M	43.47M	43.32M	43.92M	43.90M	42.00M	33.47M	33.66M	34.37M	33.77M	32.24M	33.16M	33.91M	32.37M	32.71M	32.49M	33.09M	33.97M	23.39M	12.41M	18.55M	13.18M	13.14M	13.58M	14.49M	12.88M	12.70M	12.86M
Shares Outstanding (Diluted)	44.77M	43.18M	43.72M	43.99M	44.12M	44.02M	43.90M	43.62M	44.39M	44.39M	42.35M	33.72M	33.92M	34.51M	33.99M	32.42M	33.42M	34.11M	32.77M	33.14M	32.94M	33.33M	33.97M	23.39M	12.63M	18.94M	13.18M	13.24M	13.60M	14.49M	12.88M	12.70M	12.86M
EPS (Basic)	2.65	3.54	3.57	2.39	2.76	2.58	1.89	1.81	1.74	1.71	1.47	1.63	1.72	1.67	1.54	1.81	1.52	1.65	1.62	1.53	1.45	1.36	0.11	0.44	1.14	1.45	1.12	0.93	0.68	0.45	0.66	0.63	0.56
EPS (Diluted)	2.65	3.52	3.54	2.37	2.74	2.56	1.87	1.80	1.72	1.69	1.46	1.62	1.71	1.66	1.53	1.80	1.51	1.64	1.60	1.51	1.43	1.35	0.11	0.44	1.12	1.42	1.11	0.93	0.68	0.45	0.66	0.63	0.56
EBITDA	175.73M	215.22M	219.74M	153.64M	175.75M	150.32M	141.18M	131.75M	130.14M	125.67M	102.76M	-12.39M	87.68M	86.72M	81.29M	91.08M	79.06M	87.82M	100.07M	87.83M	-	-	-	-	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	22.27M	19.06M	19.88M	20.55M	20.32M	13.32M	13.02M	12.95M	4.86M	5.05M	4.87M	3.39M	3.05M	3.07M	3.25M	2.10M	6.94M	7.72M	7.20M	8.94M	12.07M	7.64M	5.08M	6.99M	3.20M	-1.10M	2.70M	3.30M	2.60M	5.30M	7.10M	7.10M	4.80M