Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $111M | $113M | $126M | $134M | $141M | $151M | $151M | $145M | $166M | $183M |
| Revenue growth | — | 2.1% | 11.1% | 6.7% | 4.8% | 7.2% | -0.2% | -3.9% | 14.5% | 10.4% |
| Net income | $78.4M | $82.2M | $113M | $121M | $104M | $155M | $152M | $119M | $141M | $169M |
| Net margin | 70.5% | 72.4% | 89.3% | 90.0% | 74.1% | 102.6% | 100.9% | 82.1% | 84.9% | 92.5% |
| EPS (diluted) | $1.80 | $1.87 | $2.56 | $2.74 | $2.37 | $3.54 | $3.52 | $2.65 | $2.97 | $3.33 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $111M | $137M | $148M | $153M | $145M | $159M | $183M | $157M | $189M | $235M |
| Capital expenditures | $3.31M | $6.69M | $7.40M | $6.65M | $8.16M | $7.74M | $7.01M | $9.25M | $11.7M | $16.3M |
| Free cash flow | $107M | $130M | $140M | $147M | $137M | $151M | $176M | $148M | $177M | $219M |
| Share buybacks | $17.2M | $0.00 | $0.00 | $0.00 | $7.98M | $21.7M | $14.7M | $4.94M | $251K | $10.2M |
| Dividends paid | $38.9M | $40.1M | $43.3M | $46.0M | $47.2M | $47.7M | $49.8M | $55.9M | $62.3M | $72.6M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $149M | $160M | $181M | $217M | $673M | $1.27B | $197M | $205M | $284M | $487M |
| Total assets | $8.87B | $9.14B | $9.56B | $9.72B | $10.9B | $12.0B | $11.7B | $13.3B | $13.8B | $16.0B |
| Total liabilities | $7.95B | $8.18B | $8.54B | $8.60B | $9.75B | $10.8B | $10.6B | $11.9B | $12.3B | $14.1B |
| Long-term debt | $104M | $88.9M | $73.7M | — | — | — | — | — | — | — |
| Shareholders' equity | $913M | $958M | $1.02B | $1.12B | $1.19B | $1.25B | $1.17B | $1.43B | $1.53B | $1.90B |
| Retained earnings | $502M | $544M | $621M | $696M | $749M | $856M | $958M | $1.02B | $1.10B | $1.20B |
| Shares (wtd avg diluted) | 43.6B | 43.9B | 44.0M | 44.1M | 44.0M | 43.7M | 43.2M | 44.8M | 47.4M | 50.9M |
Every figure is extracted from NBT BANCORP INC’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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