NBT Bancorp Revenue, Profits - NBTB Annual Income Statement

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$36.85 $0.59 (1.63%) NBTB stock closing price Feb 16, 2018 (Closing)

Fundamental analysis of NBTB stock involves analyzing its financial statements, apart from checking the NBT Bancorp stock price. In the income statement, an investor can check for important parameters like the topline or sales, the bottomline or profits, the basic EPS, dividends etc. 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 growth of 6.97%. Revenue for year 2017 is $430.71M and has increased from $402.66M year on year as is evident when you compare the latest figures in the latest NBT Bancorp profit and loss statement with those of the prior corresponding period. Also see NBT Bancorp assets and NBT Bancorp free cash flow for a complete valuation of NBTB stock.

View revenue and profit details for latest and last 10 financial years.
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Quarterly
Annual
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Fiscal year is Jan - Dec2017201620152014201320122011201020092008
NBT Bancorp Revenues or Net Sales
430.71M402.66M391.7M401.1M371.93M326.72M320.3M339.62M353.52M366.12M
Cost Of Goods Sold (COGS)14.47M14.36M14.25M13.63M16.29M18.84M23.02M30.35M48.49M76.13M
NBT Bancorp Gross Profit
416.23M388.29M377.44M387.47M355.64M307.87M297.28M309.27M305.02M289.98M
Research & Development Expense----------
Selling General & Admin Expense272.67M257.42M249.59M260.55M234.11M208.15M198.36M205.02M200.71M169.88M
Income Before Depreciation Depletion Amortization143.56M130.86M127.85M126.91M121.53M99.72M98.92M104.24M104.31M120.09M
Depreciation Depletion Amortization3.96M3.92M4.86M5.04M4.87M3.39M3.04M3.07M3.24M2.1M
Non Operating Income----12.36M2.6M----2M
Interest Expense11.43M8.14M6.35M9.56M14.35M16.34M16.7M22.85M28.42M32.23M
NBT Bancorp Pretax Income
128.16M118.8M116.62M112.3M89.94M77.37M79.17M78.31M72.64M83.75M
Provision for Income Taxes46.01M40.39M40.2M37.22M28.19M22.81M21.27M20.91M20.63M25.4M
MinorityInterest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations82.15M78.4M76.42M75.07M61.74M54.55M57.9M57.4M52.01M58.35M
Extraordinary Items & Discontinued Operations----------
NBT Bancorp Profit/ Loss (Net Income)
82.15M78.4M76.42M75.07M61.74M54.55M57.9M57.4M52.01M58.35M
Average Shares used to compute Diluted EPS43.47M43.62M44.39M44.42M42M33.47M33.92M34.51M33.9M32.43M
Average Shares used to compute Basic EPS43.47M43.62M43.92M44.42M42M33.47M33.92M34.51M33.9M32.43M
Income Before Nonrecurring Items86.55M78.41M76.43M75.81M69.86M56.25M57.9M57.4M52.01M58.35M
Income from Nonrecurring Items-4.4M---0.74M-8.11M-1.7M----
NBT Bancorp Earnings Per Share Basic Net
1.891.811.741.711.471.631.721.671.541.80
NBT Bancorp Earnings Per Share Diluted Net
1.87M1.8M1.72M1.69M1.46M1.62M1.71M1.66M1.53M1.8M
EPS Diluted Before Nonrecurring Items1.971.801.721.711.651.671.711.661.531.80
Preferred Dividends Acc Pd----------
Dividends Common----------
Dividend Per Share Common0.920.900.870.840.810.800.800.800.800.80
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:

  • Top line: The word topline comes from the fact that the first line of an income statement refers to sales numbers. If you check you will find that NBTB stock has a topline or revenue of $430.71M for 2017 as per this NBT Bancorp revenue chart. Investors look for stocks with a growing top line.
  • Bottom line: The bottomline or the net income figure is arrived at by deducting all expenses from the topline which in this case is $82.15M for NBTB stock. An improving bottomline implies that the company is growing its profits.

The income statement is also called statement of revenue and expense. The NBTB financials along with NBT Bancorp historical stock prices provide a lot of details about the firm.

NBT Bancorp Income Statement - Key Financial Ratios

PE Ratio (price earnings ratio)
19.71
PS Ratio (price sales ratio)
3.77
Operating Margin
32.5
Net Profit Margin
15.8
Dividend Yield
2.5%