NBT Bancorp Annual Income Statement (NASDAQ:NBTB)

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$41.17 $0.18 (0.44%) NBTB stock closing price Jan 23, 2017 (Closing)

Financial analysis of NBT Bancorp involves more than just checking the NBT Bancorp stock price, by looking at the financial statements of the company in detail. An income statement is one of the three key financial statements furnished by a company, the other two being the balance sheet and the cashflow statement. The income statement is always for an accounting period, typically for a year or quarter, and affects the stock. In this case, the NBTB stock is bound to reflect the impact of the YoY decline of $9.4M. The NBT Bancorp profit and loss statement for 2015 shows a profit of $76.42M. Profits have grown from $75.07M YoY. Apart from this an investor should also check NBT Bancorp assets and NBT Bancorp free cash flow. NBT Bancorp revenue for 2015 is $391.7M. View revenue and profit details for latest and last 10 financial years.

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Annual
Quarterly
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Fiscal year is Jan - Dec. 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
NBT Bancorp Net Sales or Revenues
391.7M401.1M371.93M326.72M320.3M339.62M353.52M366.12M365.81M337.47M
Cost Of Goods Sold (COGS)14.25M13.63M16.29M18.84M23.02M30.35M48.49M76.13M106.57M87.79M
NBT Bancorp Gross Profit
377.44M387.47M355.64M307.87M297.28M309.27M305.02M289.98M259.24M249.67M
Research & Development Expense----------
Selling General & Admin Expense249.59M260.55M234.11M208.15M198.36M205.02M200.71M169.88M150.96M130.71M
Income Before Depreciation Depletion Amortization127.85M126.91M121.53M99.72M98.92M104.24M104.31M120.09M108.27M118.96M
Depreciation Depletion Amortization4.86M5.04M4.87M3.39M3.04M3.07M3.24M2.1M1.64M1.64M
Non Operating Income--12.36M2.6M----2M--
Interest Expense6.35M9.56M14.35M16.34M16.7M22.85M28.42M32.23M34.51M37.21M
NBT Bancorp Pretax Income
116.62M112.3M89.94M77.37M79.17M78.31M72.64M83.75M72.11M80.1M
Provision for Income Taxes40.2M37.22M28.19M22.81M21.27M20.91M20.63M25.4M21.78M24.15M
Minority Interest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations76.42M75.07M61.74M54.55M57.9M57.4M52.01M58.35M50.32M55.94M
Extraordinary Items & Discontinued Operations----------
NBT Bancorp Net Income (Profit/Loss)
76.42M75.07M61.74M54.55M57.9M57.4M52.01M58.35M50.32M55.94M
Average Shares used to compute Diluted EPS44.39M44.42M42M33.47M33.92M34.51M33.9M32.43M33.11M34.11M
Average Shares used to compute Basic EPS43.92M44.42M42M33.47M33.92M34.51M33.9M32.43M33.11M33.91M
Income Before Nonrecurring Items76.43M75.81M69.86M56.25M57.9M57.4M52.01M58.35M50.33M55.95M
Income from Nonrecurring Items--0.74M-8.11M-1.7M------
NBT Bancorp Earnings Per Share Basic Net
1.741.711.471.631.721.671.541.801.521.65
NBT Bancorp Earnings Per Share Diluted Net
1.721.691.461.621.711.661.531.801.511.64
EPS Diluted Before Nonrecurring Items1.721.711.651.671.711.661.531.801.511.64
Preferred Dividends Acc Pd----------
Dividends Common----------
Dividend Per Share Common0.870.840.810.800.800.800.800.800.790.76
All figures in USD. M: Millions of USD, B: Billions of USD.
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The key things to look for in an income statement while doing NBT Bancorp stock analysis are:
  • Revenue: This is the inflow that is generated from the sale of goods or services and is $391.7M for this year of 2015. Our NBT Bancorp revenue chart gives a clear visual representation of how the topline growth has been. Investors often invest in only those companies where the revenue is growing at a steady rate.
  • Bottom line: The word bottom line comes because it is usually the last line of the income statement and refers to the actual profits after deducting all expenses from the revenues. NBTB stock had a poor bottom line growth.
The income statement is also called the profit and loss statement. Apart from the income statement, one can check the NBT Bancorp historical stock prices to check how the price has moved with time. .

NBT Bancorp Income Statement - Key Financial Ratios

PE ratio (price earnings ratio)
23.1290
PS ratio (
price sales ratio
)
4.4534
Operating margin
31.9
Net profit margin
19.6
Dividend yield
2.16%