NBTBNBT BANCORP INC
National Commercial Banks
- Revenue
- $183M
- 10% YoY
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- −$1.3B net debt
- AI in 10-K
- —
Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear139% of net incomeCash flow under 80% of net income
- Dilutive SBCClear3% of revenueOver 10% of revenue
- Payouts exceed cash flowClear35% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear3% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $151M | $151M | $145M | $166M | $183M | 10% |
| Net income | $155M | $152M | $119M | $141M | $169M | 20% |
| Operating cash flow | $159M | $183M | $157M | $189M | $235M | 25% |
| Capex | $8M | $7M | $9M | $12M | $16M | 39% |
| Stock-based comp | $4M | $5M | $5M | $6M | $5M | 12% |
| Buybacks | $22M | $15M | $5M | $251K | $10M | 3958% |
| Dividends | $48M | $50M | $56M | $62M | $73M | 17% |
Deal filings
None.
13D filers
None on file.
Insider trading
No open-market trades in the last 12 months.
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | — | — | 151 | 153 |
| FY2024 | — | — | 138 | 131 |
| FY2023 | — | — | 117 | 116 |
| FY2022 | — | — | 117 | 116 |
| FY2021 | — | — | 101 | 125 |