NBT Bancorp Income Statement - Quarterly (NASDAQ:NBTB)

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$41.51 $0.66 (1.57%) NBTB stock closing price Feb 24, 2017 (Closing)

Stock analysis based on fundamentals means looking at financial statements in addition to the NBT Bancorp stock price. The income statement is a summary of the revenue, expenses and profitability (shown as Net Income) or lack of it. Like any other income statement, the NBTB income statement also itemizes revenue, operating expenses, and profits for a quarter or year and reflects a QoQ revenue decline of $0.95M when compared to the same period in the past. One also needs to look at NBT Bancorp assets, operating expenses and NBT Bancorp free cash flow. The profit and loss statement shows revenue of $101.2M for 2016-Q4. Revenue has decreased by $0.95M QoQ for NBTB stock. View details of revenue and profits for NBT Bancorp for latest & last 40 quarters.

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Annual
Quarterly
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Fiscal year is Jan - Dec. 2016-Q4 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3
NBT Bancorp Net Sales or Revenues
101.2M102.15M100.99M98.32M101.24M100.76M95.94M93.76M96.46M95.81M
Cost Of Goods Sold (COGS)3.57M3.6M3.6M3.59M3.62M3.55M3.51M3.57M3.86M3.49M
NBT Bancorp Gross Profit
97.65M98.54M97.38M94.72M97.64M97.2M92.42M90.18M92.61M92.31M
Research & Development Expense----------
Selling General & Admin Expense64.86M65.05M64.29M63.22M65.17M63.69M60.67M60.06M62.42M72.67M
Income Before Depreciation Depletion Amortization32.8M33.49M33.08M31.49M32.47M33.51M31.75M30.12M30.21M19.63M
Depreciation Depletion Amortization0.96M0.95M0.92M1.09M1.24M1.16M1.18M1.28M1.23M1.27M
Non Operating Income----------
Interest Expense2.13M2.24M1.99M1.78M1.65M1.7M1.52M1.48M1.54M1.87M
NBT Bancorp Pretax Income
29.72M30.3M30.16M28.62M29.6M30.64M29.03M27.35M27.45M16.48M
Provision for Income Taxes10.11M10.3M10.25M9.73M10.47M10.79M9.75M9.19M8.93M5.57M
Minority Interest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations19.61M20M19.91M18.89M19.13M19.85M19.28M18.17M18.51M10.91M
Extraordinary Items & Discontinued Operations----------
NBT Bancorp Net Income (Profit/Loss)
19.61M20M19.91M18.89M19.13M19.85M19.28M18.17M18.51M10.91M
Average Shares used to compute Diluted EPS43.7M43.56M43.45M43.71M44.07M44.11M44.53M44.64M44.08M43.65M
Average Shares used to compute Basic EPS43.7M43.56M43.45M42.93M43.47M44.11M44.53M44.64M44.08M43.65M
Income Before Nonrecurring Items19.61M20M19.91M18.89M19.13M19.76M19.59M18.17M18.5M19.8M
Income from Nonrecurring Items-----0.09M-0.31M-0.01M-8.89M
NBT Bancorp Earnings Per Share Basic Net
0.450.460.460.440.440.450.430.410.420.25
NBT Bancorp Earnings Per Share Diluted Net
0.450.460.460.430.430.450.430.410.420.25
EPS Diluted Before Nonrecurring Items0.450.460.460.430.430.450.440.410.420.45
Preferred Dividends Acc Pd----------
Dividends Common9.939.91--------
Dividend Per Share Common0.230.230.220.220.220.220.220.210.210.21
All figures in USD. M: Millions of USD, B: Billions of USD.
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It is very helpful to read a report on NBT Bancorp stock analysis. An investor must check the following items in an income statement:
  • 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 GWB stock and EGBN stock to see if the growth compares well with what can be expected for a company in that industry.
  • Bottom line: The Bottomline or the net income figure is arrived at by deducting all expenses from the topline which in this case is $101.2M - other expenses = $19.61M for NBTB stock. An improving bottomline implies that the company is growing profits.
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)
23.0610
PS ratio (
price sales ratio
)
4.5050
Operating margin
31.5
Net profit margin
19.4
Dividend yield
2.17%