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NBT Bancorp NBTB Accretion (Amortization) of Discounts and Premiums, Investments

Accretion (Amortization) of Discounts and Premiums, Investments at other companies

Northwest Bancshares logo
Northwest BancsharesNWBI
$54K+5.9%
Center Bancorp logo
Center BancorpCNOB
$224K+221%
UBS
United BanksharesUBSI
-$3.86M-1.0%
Customers Bancorp logo
Customers BancorpCUBI
$991K+36.7%
National Bank Holdings logo
National Bank HoldingsNBHC
$1.19M+147%

Other financials

Income statement

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Revenue$184.5M+19.3%
Net income$51.1M+39.2%
EPS (diluted)$0.98+27.3%

Balance sheet

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Cash & equivalents$716.1M+182%
Total debt$117.8M+37.6%
Total equity$1.9B+22.3%
Total assets$16.2B+16.9%

Cash flow

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Operating cash flow$53.0M+26.3%
CapEx$4.4M+19.5%
Free cash flow$48.6M+26.9%

Valuation

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Market cap$2.5B+9.7%
Enterprise value$1.9B-12.6%
P/E13.6×-2.3×
P/S3.4×-0.4×

Profitability

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Net margin25.3%+1.0pp
FCF margin31.5%+0.9pp

Returns & leverage

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Return on equity10.6%+1.0pp
Debt / equity0.1×0.0×

Where this comes from

Reported directly by NBT Bancorp in its filing.

Tagged under the XBRL concept us-gaap:AccretionAmortizationOfDiscountsAndPremiumsInvestments.

The official record: NBT Bancorp’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is NBT Bancorp's accretion (amortization) of discounts and premiums, investments?
NBT Bancorp (NBTB) reported accretion (amortization) of discounts and premiums, investments of -$149K in Q1 2026.
How has NBT Bancorp's accretion (amortization) of discounts and premiums, investments changed year-over-year?
NBT Bancorp's accretion (amortization) of discounts and premiums, investments increased by 73.0% year-over-year, from -$552K to -$149K.
What is the long-term trend for NBT Bancorp's accretion (amortization) of discounts and premiums, investments?
Over 4 years (2021 to 2025), NBT Bancorp's accretion (amortization) of discounts and premiums, investments has grown at a -28.9% compound annual growth rate (CAGR), from -$5.83M to -$1.49M.
What does accretion (amortization) of discounts and premiums, investments mean?
This captures the periodic adjustment to the carrying value of investment securities resulting from the amortization of premiums or the accretion of discounts. It aligns the purchase price of a security with its face value over the remaining life of the instrument. This metric is essential for understanding the effective yield and interest income recognition on a bank's investment portfolio.