NBT Bancorp Annual Income Statement (NASDAQ:NBTB)

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$39.29 $0.77 (2%) NBTB stock closing price Dec 05, 2016 (Closing)

Financial statements provide us with a way to gain insights and undertake the fundamental analysis of a company. Checking NBT Bancorp stock price alone is not sufficient. The key financial statements of a company are the income statement, the balance sheet and the cash flow statement. When compared with the corresponding income statement from the past, the latest income statement shows how revenue has decreased from $401.1M to $391.7M and how operating and non operating activities have impacted the NBTB stock. The operating expenses (also check: NBT Bancorp assets and NBT Bancorp free cash flow) as shown in the NBT Bancorp profit and loss statement 2015 total to $268.7M. This line item has decreased from $279.22M compared with last year. 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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NBT Bancorp stock analysis involves checking at least a few of the important things like:
  • Topline: A growing topline, as seen from the NBT Bancorp revenue chart, as is not the case with NBT Bancorp indicates a sagging business. One needs to compare the QoQ or YoY topline growth of NBTB stock with its peers like EGBN stock and INDB stock to see if the growth compares well with what can be expected for a company in that industry.
  • Bottom line: This refers to the last line in a profit and loss statement and denotes the net profit or loss for a particular period. The figure currently stands at $76.42M for NBT Bancorp for 2015. This figure is arrived at after deducting all operating expenses, interest, and taxes from revenue.
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)
22.0730
PS ratio (
price sales ratio
)
4.2500
Operating margin
31.9
Net profit margin
19.6
Dividend yield
2.27%