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NBT Bancorp NBTB Financing Receivables

Financing Receivables at other companies

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$139.91B+4.0%
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$4.72B+44.7%
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$13.23B+16.6%
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$6.84B+20.3%
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ACNBACNB
$2.37B+2.4%
Financial Institutions logo
Financial InstitutionsFISI

Other financials

Income statement

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Revenue$186.7M+9.1%
Net income$53.0M+136%
EPS (diluted)$1.02+132%

Balance sheet

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Cash & equivalents$294.7M-45.6%
Total debt$316.4M+180%
Total equity$1.9B+7.7%
Total assets$16.2B+1.2%

Cash flow

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Operating cash flow$61.9M+33.2%
CapEx$1.4M-41.6%
Free cash flow$60.5M+37.1%

Valuation

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Market cap$2.74B+27.7%
Enterprise value$2.76B+60.8%
P/E12.8×-3.3×
P/S3.7×+0.2×

Profitability

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Net margin28.8%+7.4pp
FCF margin33.1%+4.8pp

Returns & leverage

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Return on equity11.4%+3.3pp
Debt / equity0.2×+0.1×

Where this comes from

Reported directly by NBT Bancorp in its filing.

Tagged under the XBRL concept us-gaap:NotesReceivableNet.

The source filing: NBT Bancorp’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 4:04 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001140361-26-031820
(In thousands, except share and per share data)June 30, 2026December 31, 2025
Loans held for sale-1,108
Loans11,874,08111,598,114
Less allowance for loan losses140,500138,000
Net loans$11,733,581$11,460,114
Premises and equipment, net98,11999,277
Goodwill453,278453,278
Intangible assets, net51,11757,656
Bank owned life insurance314,806317,733

Item 1. FINANCIAL STATEMENTS (Unaudited) FINANCIAL STATEMENTS

FAQ

What is NBT Bancorp's financing receivables?
NBT Bancorp (NBTB) reported financing receivables of $11.73B in Q2 2026.
How has NBT Bancorp's financing receivables changed year-over-year?
NBT Bancorp's financing receivables increased by 2.2% year-over-year, from $11.48B to $11.73B.
What is the long-term trend for NBT Bancorp's financing receivables?
Over 5 years (2020 to 2025), NBT Bancorp's financing receivables has grown at a 9.2% compound annual growth rate (CAGR), from $7.39B to $11.46B.
What does financing receivables mean?
Receivables arising from financing activities, such as loans or lease receivables.

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