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NBT Bancorp NBTB Unrealized Gains on Investments

Unrealized Gains on Investments at other companies

JPMorgan Chase logo
JPMorgan ChaseJPM
$1.43B-26.8%
M&T Bank logo
M&T BankMTB
$155M+37.2%
Northwest Bancshares logo
Northwest BancsharesNWBI
$4.45M-3.5%
Financial Institutions logo
Financial InstitutionsFISI
$5.25M+24.4%
CNB Financial logo
CNB FinancialCCNE
$485K-79.5%
ACNB logo
ACNBACNB
$578K-40.9%

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$2.73B+27.2%
Enterprise value$2.75B+60.3%
P/E12.7×-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:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax.

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) / As of June 30, 2026Amortized / CostUnrealized / GainsUnrealized / LossesEstimated / Fair Value
Government-sponsored enterprises625,4191,504(28,390)598,533
U.S. government agency securities260,288453(23,626)237,115
Corporate22,500-(786)21,714
Total AFS securities$2,110,918$2,740$(107,452)$2,006,206
As of December 31, 2025
U.S. treasury$79,330$25$(2,533)$76,822
Federal agency248,312-(17,036)231,276
State & municipal90,6544(3,931)86,727

Item 1. FINANCIAL STATEMENTS (Unaudited) FINANCIAL STATEMENTS

FAQ

What is NBT Bancorp's unrealized gains on investments?
NBT Bancorp (NBTB) reported unrealized gains on investments of $2.74M in Q2 2026.
How has NBT Bancorp's unrealized gains on investments changed year-over-year?
NBT Bancorp's unrealized gains on investments increased by 8.4% year-over-year, from $2.53M to $2.74M.
What is the long-term trend for NBT Bancorp's unrealized gains on investments?
Over 5 years (2020 to 2025), NBT Bancorp's unrealized gains on investments has grown at a -31.6% compound annual growth rate (CAGR), from $32.17M to $4.81M.
What does unrealized gains on investments mean?
The total unrealized gains on investments, typically related to available-for-sale securities.

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