NBT Bancorp Annual Income Statement (NASDAQ:NBTB)

Add to My Stocks
$33.93 $0.66 (1.98%) NBTB stock closing price Oct 24, 2016 (Closing)

Looking at financial statements, along with the NBT Bancorp stock price, it's management, its economic moat, and industry competitors forms an important part of fundamental analysis.   The key financial statements of a company are the income statement, the balance sheet and the cash flow statement. The income statement for NBTB which implies a YoY revenue decline of $9.4M is specific to a period of time. Investors typically check YoY or QoQ revenue growth. 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.

show more
Get Income statement for another ticker
Fiscal year is Jan - Dec. 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
NBT Bancorp Net Sales or Revenues
Cost Of Goods Sold (COGS)14.25M13.63M16.29M18.84M23.02M30.35M48.49M76.13M106.57M87.79M
NBT Bancorp Gross Profit
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
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)
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
NBT Bancorp Earnings Per Share Diluted Net
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.

It is very helpful to read a report on NBT Bancorp stock analysis. An investor must check the following items in an income statement:
  • Revenue: The money received by selling of goods or services comes under this line item. A YoY growth (See: NBT Bancorp revenue chart) implies that the company is growing, which has not been the case with NBT Bancorp. One must stay away from stocks whose revenues are declining.
  • 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 statement of revenue and expense. The financials along with NBT Bancorp historical stock prices provides a lot of details about the firm. .

NBT Bancorp Income Statement - Key Financial Ratios

PE ratio (price earnings ratio)
PS ratio (
price sales ratio
Operating margin
Net profit margin
Dividend yield