NBT Bancorp Inc.
Income Statement
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $183.0M | $165.7M | $144.7M | $150.7M | $151.0M | $140.9M | $134.5M | $126.0M |
| Cost of Revenue | — | — | — | — | — | — | — | — |
| Gross Profit | — | — | — | — | — | — | — | — |
| Gross Margin | — | — | — | — | — | — | — | — |
| Operating Expenses | ||||||||
| Research & Development | — | — | — | — | — | — | — | — |
| SG&A Expense | — | — | — | — | — | — | — | — |
| Operating Income | $219.4M | $179.5M | $298.0M | $218.0M | $218.6M | $165.7M | $211.4M | $175.6M |
| Operating Margin | 119.9% | 108.3% | 205.9% | 144.7% | 144.8% | 117.6% | 157.2% | 139.4% |
| Interest Expense | — | — | $144.6M | $21.9M | $18.8M | $32.6M | $56.0M | $38.6M |
| Pretax Income | $219.4M | $179.5M | $153.5M | $196.2M | $199.9M | $133.1M | $155.4M | $137.0M |
| Income Tax Expense | $50.2M | $38.8M | $34.7M | $44.2M | $45.0M | $28.7M | $34.4M | $24.4M |
| Net Income | $169.2M | $140.6M | $118.8M | $152.0M | $154.9M | $104.4M | $121.0M | $112.6M |
| Net Margin | 92.5% | 84.9% | 82.1% | 100.9% | 102.6% | 74.1% | 90.0% | 89.3% |
| EPS (Basic) | $3.34 | $2.98 | $2.67 | $3.54 | $3.57 | $2.39 | $2.76 | $2.58 |
| EPS (Diluted) | $3.33 | $2.97 | $2.65 | $3.52 | $3.54 | $2.37 | $2.74 | $2.56 |
| Shares Outstanding (Basic) | 50.7M | 47.2M | 44.5M | 42.9M | 43.4M | 43.7M | 43.8M | 43.7M |
| Shares Outstanding (Diluted) | 50.9M | 47.4M | 44.8M | 43.2M | 43.7M | 44.0M | 44.1M | 44.0M |
| Dividends Per Share | $1.42 | $1.32 | $1.24 | $1.16 | $1.10 | $1.08 | $1.05 | $0.99 |