NBT Bancorp Annual Income Statement (NASDAQ:NBTB)

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$40.2 $1.04 (2.66%) NBTB stock closing price Apr 26, 2017 (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 income statement gives the investor an understanding of the topline and bottomline numbers of the company and helps investors evaluate if a company has been growing or not. Like any other income statement, the NBTB income statement also itemizes revenue, operating expenses, and profits for a quarter or year and reflects a YoY revenue growth of $10.96M when compared to the same period in the past. The NBT Bancorp profit and loss statement for 2016 shows a profit of $78.4M. Profits have grown from $76.42M YoY. Apart from this an investor should also check NBT Bancorp assets and NBT Bancorp free cash flow. NBT Bancorp revenue for 2016 is $402.66M. View revenue and profit details for latest and last 10 financial years.

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Fiscal year is Jan - Dec. 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007
NBT Bancorp Net Sales or Revenues
Cost Of Goods Sold (COGS)14.36M14.25M13.63M16.29M18.84M23.02M30.35M48.49M76.13M106.57M
NBT Bancorp Gross Profit
Research & Development Expense----------
Selling General & Admin Expense257.42M249.59M260.55M234.11M208.15M198.36M205.02M200.71M169.88M150.96M
Income Before Depreciation Depletion Amortization130.86M127.85M126.91M121.53M99.72M98.92M104.24M104.31M120.09M108.27M
Depreciation Depletion Amortization3.92M4.86M5.04M4.87M3.39M3.04M3.07M3.24M2.1M1.64M
Non Operating Income---12.36M2.6M----2M-
Interest Expense8.14M6.35M9.56M14.35M16.34M16.7M22.85M28.42M32.23M34.51M
NBT Bancorp Pretax Income
Provision for Income Taxes40.39M40.2M37.22M28.19M22.81M21.27M20.91M20.63M25.4M21.78M
Minority Interest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations78.4M76.42M75.07M61.74M54.55M57.9M57.4M52.01M58.35M50.32M
Extraordinary Items & Discontinued Operations----------
NBT Bancorp Net Income (Profit/Loss)
Average Shares used to compute Diluted EPS43.62M44.39M44.42M42M33.47M33.92M34.51M33.9M32.43M33.11M
Average Shares used to compute Basic EPS43.62M43.92M44.42M42M33.47M33.92M34.51M33.9M32.43M33.11M
Income Before Nonrecurring Items78.41M76.43M75.81M69.86M56.25M57.9M57.4M52.01M58.35M50.33M
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 Items1.801.721.711.651.671.711.661.531.801.51
Preferred Dividends Acc Pd----------
Dividends Common----------
Dividend Per Share Common0.900.870.840.810.800.800.800.800.800.79
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:
  • 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 been the case with NBT Bancorp. One must stay away from stocks whose revenues are declining.
  • Bottom line: The Bottomline or the net income figure is arrived at by deducting all expenses from the topline which in this case is $402.66M - other expenses = $78.4M for NBTB stock. An improving bottomline implies that the company is growing profits.
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