NBT Bancorp Income Statement - Quarterly (NASDAQ:NBTB)

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$37.65 $0.18 (0.48%) NBTB stock closing price Apr 21, 2017 (Closing)

Financial analysis of NBT Bancorp involves more than just checking the NBT Bancorp stock price, by looking at the financial statements of the company in detail. In the income statement, an investor can check for important parameters like the topline, the bottomline, the EPS basic, 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 QoQ decline of $0.95M. Along with NBT Bancorp assets and NBT Bancorp free cash flow, profits as shown in profit and loss statement give key insights about the business. The profits have decreased from $20M QoQ and 2016-Q4 revenue is $101.2M. View details of revenue and profits for NBT Bancorp for latest & last 40 quarters.

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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
Cost Of Goods Sold (COGS)3.57M3.6M3.6M3.59M3.62M3.55M3.51M3.57M3.86M3.49M
NBT Bancorp Gross Profit
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
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)
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
NBT Bancorp Earnings Per Share Diluted Net
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.
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 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: 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 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