# NBT BANCORP INC (NBTB) · Edgar & Edgarette company card

> Nbt Bancorp (NBTB) grew revenue 10.4% in FY2025 to $183 million, equity 11.9% of assets, and dividend per share up 8 years running. Every figure is from the company’s own annual report filed with the SEC.

SEC CIK 790359 · fiscal year ended 2025-12-31 · 5 audited years read · [page](https://www.pops4.com/boards/company/NBTB) · [JSON](https://www.pops4.com/boards/company/NBTB.json)

## Figures, as filed in the 10-K

| Measure | Value |
|---|---|
| Revenue | $183M |
| Revenue growth, 1 year | 10.4% |
| Revenue growth per year | 4.9% |
| Operating margin | — |
| Net margin | 92.5% |
| Operating cash flow | $235M |
| Capital spending | $16M |
| Free cash flow | $219M |
| Cash | $487M |
| Long-term debt | — |
| Total assets | $16.0B |
| Total equity | $1.9B |
| Equity ÷ assets | 11.9% |
| Return on equity | 8.9% |
| Dividend per share | $1.42 |
| Dividend years rising | 8 |

## Readings, computed from those figures

- Piotroski F: 5 of 9 (middling)
- Health Harbor boat: New ship · no warning signs
- Cash Compass: Cash cow now · steady, with strong cash arriving today

## Edgarette's reading

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 $167.1M and $226.7M next year (method v4.1: its own 4-year record of growth weighed at 50% against $100M–1B filers; across 2019–2025, 69.0% landed inside, 83.4% on the one year the method never saw). In a shock year the stress range is $154.7M to $245.6M. A statistical range, not company guidance. Against peers (20 filers, $50M+ revenue, national commercial banks): growth 10.4% against 7.2%.

Range logged 2026-09-24, receipt 806e3d775b3e742b, status open. A statistical range, not company guidance.

## Health Watch, last 12 months

- Item 5.02 Director or officer change: 2, latest 2026-09-21 ([filing](https://www.sec.gov/Archives/edgar/data/790359/000114036126037240/0001140361-26-037240-index.htm))

## Recent filings

- 8-K · filed 2026-11-03 · 7.01 Regulation FD Disclosure · [filing](https://www.sec.gov/Archives/edgar/data/790359/000114036126041827/0001140361-26-041827-index.htm)
- 8-K · filed 2026-10-27 · 2.02 Results of Operations and Financial Condition; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/790359/000114036126040897/0001140361-26-040897-index.htm)
- 8-K · filed 2026-09-21 · 5.02 Departure or Election of Directors; Appointment of Officers; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/790359/000114036126037240/0001140361-26-037240-index.htm)
- 8-K · filed 2026-09-08 · 7.01 Regulation FD Disclosure · [filing](https://www.sec.gov/Archives/edgar/data/790359/000114036126035922/0001140361-26-035922-index.htm)
- 10-Q · filed 2026-08-07 · [filing](https://www.sec.gov/Archives/edgar/data/790359/000114036126031820/0001140361-26-031820-index.htm)
- 8-K · filed 2026-07-27 · 2.02 Results of Operations and Financial Condition; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/790359/000114036126029754/0001140361-26-029754-index.htm)

## Sources

- facts: https://data.sec.gov/api/xbrl/companyfacts/CIK0000790359.json
- filings: https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=790359

## Cite

POPS4, Edgar & Edgarette: NBT BANCORP INC (NBTB) company card, from the company's own SEC filings, accessed 2026-11-04, https://www.pops4.com/boards/company/NBTB. CC BY 4.0. For a figure, add the filing URL under filings or sources.

DOI https://doi.org/10.5281/zenodo.23672509 · catalog https://www.pops4.com/boards/catalog.json · Figures as filed with the SEC. Card text CC BY 4.0, POPS4.

Reporting, not investment advice. No price targets and no trading recommendations.

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.