🫧 Edgar looked up NBT BANCORP INC ($NBTB). Last filing: 8-K (7.01 Regulation FD Disclosure), 2026-09-08. 10 event filings (8-K) in the past twelve months.
🔖 Exposure: revenue $183.0M (FY2025). Experience: revenue up 10.4% on the year, up 4.9% a year over 4 years. Soundness: equity 11.9% of assets, return on equity 8.9%, payout 42.9% of profit, dividend per share up 8 years running. Credibility: four or more audited years, reasonable weight. Range: 80% of past cases like this landed between $156.6M and $251.8M next year (method v3, set from 4,309 SEC company-years; on a year the method never saw, 83% landed inside). A range, not a forecast. Against peers (20 filers, $50M+ revenue, national commercial banks): growth 10.4% against 7.2%.
Gold is paid out to shareholders; navy is kept in the business. Retained profit times return on equity is the pace a company can fund from itself. Facts from the filings, not a recommendation.
| Fiscal year end | 2025-12-31 |
| Revenue | $183M |
| Revenue, on the year | 10.4% |
| Revenue, a year over the record | 4.9% |
| Operating margin | — |
| Operating margin, prior year | — |
| Net margin | 92.5% |
| Research and development | not filed separately |
| Free cash flow | — |
| Cash | $487M |
| Total debt | — |
| Equity of assets | 11.9% |
| Return on equity | 8.9% |
| Payout of profit | 42.9% |
| Dividend per share | $1.42 · up 8 years running |
| Audited years read | 5 |
Peers: the median of 20 filers with $50M+ revenue in national commercial banks.
Figures are as filed in audited 10-K reports and can move with restatements, acquisitions, disposals or a change in fiscal year. A range set from how past company-years turned out is not a promise about the next one, and says nothing about the share price. Reporting, not investment advice. No price targets, no buy or sell views. Figures from the SEC’s own data · every filing · this page as JSON · ask about another company
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