NBTB – Dividend Returns, History & Calculator

Dividend Contender 13 Years

NBT Bancorp Inc., a financial holding company, provides commercial banking, retail banking, and wealth management services. Its deposit products include demand deposit, savings, negotiable order of withdrawal, money market deposit, and certificate of deposit a

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Company Info

Symbol NBTB

Company NBT Bancorp Inc.

Sector Financial Services

Industry Banks - Regional

Website Visit

Market Cap $2,170.7M

Price Data

Price $41.43

Price Change -0.75

Price Change % -1.78%

Next Earnings Oct 27, 2025

Low (52W) $37.31

High (52W) $52.44

Dividend Data

Div Yield 357.23%

5Y Avg Yield 318.27%

Current Div $0.370

Payouts/Year 4

Annualized $1.480

Previous Div $0.340

Ex-Date Aug 29, 2025

Growth Rates

Chowder Number 8.7

DGR 1Y 6.9%

DGR 3Y 6.8%

DGR 5Y 5.2%

DGR 10Y 4.9%

Total Returns

TTR 1Y - With Specials -4.3%

TTR 3Y - With Specials 3.9%

TTR 1Y - No Specials -4.3%

TTR 3Y - No Specials 3.9%

Fair Value

Fair Value (P/E 10) $36.99

FV (P/E 10) % 12.0%

Fair Value (Peter Lynch) $13.90

FV (Peter Lynch) % 198.0%

Fair Value (Blended) $46.94

FV (Blended) % -12.0%

Financial Metrics

Revenue 1Y 10.9%

NPM 21.5%

CF/Share $3.62

ROE 8.2%

Debt/Capital 14.0%

ROTC 7.2%

P/E 14.9x

P/BV 1.2x

PEG 0.81

📊 Financial data last updated: October 16, 2025 10:42 am

Calculate your NBTB Dividend Returns

Quickly and easily calculate NBTB dividend yield using our NBTB calculator. Adjust the fields below to see how your NBTB investments snowball over time.

Initial Investment: The lump sum you’re investing on day 1. Share Price: The current market price of one share. Dividend Amount (per payout): Enter the dividend paid per share each payout (e.g., quarterly for many ETFs). Annual yield is computed from this and the selected frequency. Dividend Frequency: How often you receive dividends (e.g. quarterly). Dividend Growth Rate: The yearly increase in dividend payouts (as a percentage). Share Price Growth: Expected annual increase in share price over time. Extra Investment: The amount you invest regularly (e.g. each month). Extra Invest Frequency: How often your extra investment is made (e.g. monthly). Length of Investment: How long you plan to keep investing and compounding.

Show Idealized Scenario (Assumes all future extra investments and dividends are made on Day 1 and reinvested instantly — this creates a best-case scenario for compounding growth.)

Portfolio Growth Over Time

Data last updated: October 16, 2025 5:27 pm

Year-by-Year Portfolio Growth (Realistic DRIP Scenario)

Year	Start Balance	Start Shares	Share Price	Dividend / Share	Dividend Yield	Yield on Cost	Annual Dividend	Total Dividends	End Shares	End Balance
1	$10,000	250	$40.07	$0.37	3.69%	3.69%	$402	$402	290	$11,602
2	$12,068	290	$41.68	$0.39	3.74%	3.89%	$486	$889	330	$13,754
3	$14,307	330	$43.35	$0.41	3.79%	4.10%	$578	$1,467	371	$16,085
4	$16,731	371	$45.09	$0.43	3.84%	4.32%	$680	$2,147	413	$18,611
5	$19,358	413	$46.90	$0.46	3.88%	4.55%	$792	$2,940	455	$21,350
6	$22,208	455	$48.79	$0.48	3.93%	4.79%	$916	$3,856	499	$24,324
7	$25,301	499	$50.74	$0.51	3.98%	5.05%	$1,053	$4,909	543	$27,554
8	$28,660	543	$52.78	$0.53	4.03%	5.31%	$1,205	$6,114	589	$31,065
9	$32,312	589	$54.90	$0.56	4.09%	5.60%	$1,372	$7,486	635	$34,883
10	$36,284	635	$57.10	$0.59	4.14%	5.90%	$1,556	$9,042	684	$39,040

NBTB Dividend History

Ex-Date	Payment Date	Amount	TTM Yield	Forward Yield	Price on Ex-Date
08/29/2025	08/29/2025	$0.370	3.14%	3.34%	$44.27
06/02/2025	06/02/2025	$0.340	3.32%	3.32%	$41.01
03/03/2025	03/03/2025	$0.340	2.83%	2.87%	$47.31
12/02/2024	12/02/2024	$0.340	2.65%	2.73%	$49.86
08/30/2024	08/30/2024	$0.340	2.66%	2.78%	$48.96
06/03/2024	06/03/2024	$0.320	3.55%	3.55%	$36.09
02/29/2024	02/29/2024	$0.320	3.66%	3.72%	$34.39
11/30/2023	11/30/2023	$0.320	3.49%	3.60%	$35.53
08/31/2023	08/31/2023	$0.320	3.54%	3.72%	$34.42
05/31/2023	05/31/2023	$0.300	3.58%	3.58%	$33.55
02/28/2023	02/28/2023	$0.300	2.91%	2.96%	$40.59
11/30/2022	11/30/2022	$0.300	2.51%	2.60%	$46.16
08/31/2022	08/31/2022	$0.300	2.94%	3.09%	$38.78
05/31/2022	05/31/2022	$0.280	3.03%	3.03%	$36.98
02/28/2022	02/28/2022	$0.280	2.89%	2.92%	$38.37
11/30/2021	11/30/2021	$0.280	3.05%	3.10%	$36.11
08/31/2021	08/31/2021	$0.280	3.04%	3.12%	$35.86
05/28/2021	05/28/2021	$0.270	2.77%	2.77%	$38.99
02/26/2021	02/26/2021	$0.270	2.98%	2.98%	$36.23
11/30/2020	11/30/2020	$0.270	3.61%	3.61%	$29.95

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NBTB 10-yr Total Return ($10,000 invested)

This analysis of NBTB demonstrates the power of dividend reinvestment over a 10-year period with a $10,000 initial investment. The dividend reinvestment strategy delivered a 7.2% CAGR, representing moderate long-term performance. The DRIP strategy provided 21% more total return compared to collecting dividends as cash, highlighting the compounding effect of reinvestment.

With DRIP No DRIP

Date	With DRIP	No DRIP	DRIP Advantage	Dividend
2015-11-27	$10,073	$10,073	$0	$0.220
2016-02-26	$8,805	$8,814	$-9	$0.220
2016-05-27	$9,919	$9,911	$8	$0.220
2016-08-30	$10,909	$10,879	$31	$0.230
2016-11-29	$13,232	$13,132	$100	$0.230
2017-02-27	$14,150	$14,017	$132	$0.230
2017-05-30	$12,324	$12,266	$58	$0.230
2017-08-30	$11,423	$11,407	$15	$0.230
2017-11-30	$13,640	$13,505	$134	$0.230
2018-02-28	$12,302	$12,246	$55	$0.230
2018-05-31	$13,556	$13,419	$137	$0.250
2018-08-30	$14,350	$14,156	$194	$0.250
2018-11-29	$13,770	$13,621	$149	$0.260
2019-02-28	$14,019	$13,849	$170	$0.260
2019-05-30	$13,304	$13,198	$106	$0.260
2019-08-29	$12,851	$12,788	$62	$0.260
2019-11-27	$14,843	$14,575	$267	$0.270
2020-02-27	$13,293	$13,195	$98	$0.270
2020-05-29	$11,799	$11,873	$-74	$0.270
2020-08-31	$11,581	$11,682	$-101	$0.270
2020-11-30	$11,485	$11,599	$-113	$0.270
2021-02-26	$13,997	$13,763	$235	$0.270
2021-05-28	$15,168	$14,764	$404	$0.270
2021-08-31	$14,059	$13,822	$237	$0.280
2021-11-30	$14,267	$13,997	$270	$0.280
2022-02-28	$15,271	$14,836	$434	$0.280
2022-05-31	$14,829	$14,470	$359	$0.280
2022-08-31	$15,671	$15,164	$507	$0.300
2022-11-30	$18,774	$17,701	$1,074	$0.300
2023-02-28	$16,631	$15,960	$671	$0.300
2023-05-31	$13,869	$13,733	$136	$0.300
2023-08-31	$14,361	$14,126	$235	$0.320
2023-11-30	$14,958	$14,599	$359	$0.320
2024-02-29	$14,613	$14,328	$285	$0.320
2024-06-03	$15,471	$14,995	$476	$0.320
2024-08-30	$21,134	$19,359	$1,775	$0.340
2024-12-02	$21,669	$19,769	$1,900	$0.340
2025-03-03	$20,709	$19,039	$1,670	$0.340
2025-06-02	$18,100	$17,070	$1,030	$0.340
2025-08-29	$19,702	$18,269	$1,433	$0.370

Total Return with and without DRIP (NBTB)

Over the selected period, investing $10,000 in NBTB would grow to $27,588 with DRIP (175.9%), and $24,398 without DRIP (144.0%).

NBTB Dividend Reinvestment Snowball

Investing $10,000 + $100/mo in NBTB with historic price growth (3.91%) and dividend growth (5.34%) produces dramatically different outcomes depending on whether you reinvest dividends.

After 20 Years

Your Investment: $34,000

With DRIP

Portfolio: $110,047

Annual Dividend: $5,392

Yield on Cost: 15.86%

Total Dividends: $40,479

No DRIP

Portfolio: $84,462

Total Dividends: $26,777

After 30 Years

Your Investment: $46,000

With DRIP

Portfolio: $287,877

Annual Dividend: $16,166

Yield on Cost: 35.14%

Total Dividends: $135,510

No DRIP

Portfolio: $165,862

Total Dividends: $66,558

Milestones on the way

By year 13, the compounding really starts to show. Your total dividends collected reach $15,071 against a total investment of $25,600. At this point, your portfolio is throwing off $2,445 per year in dividends alone.

By year 17, the annual dividend climbs to around your initial contribution. For a starting investment of $10,000, the yearly dividend now sits at approximately $3,863, a powerful “income on autopilot” milestone.

After two decades, cumulative dividends total $40,479 versus $34,000 invested, nearly a 119% recovery of capital purely from income. Yield on cost reaches 15.86%.

At year 25, the income engine takes over. The portfolio’s annual dividend of $9,334 is greater than total contributions to date ($40,000), and cumulative dividends exceed $75,305.

By year 30, the DRIP snowball is in full force. Yearly income reaches $16,166, cumulative dividends total $135,510, and the DRIP portfolio value stands at $287,877, compared with $165,862 if dividends weren’t reinvested.

How we estimate these numbers

We use the latest calculator inputs for NBTB, price $39.67, dividend per period $0.37 (4×/year), along with historic growth assumptions: price growth 3.91% and dividend growth 5.34% annually.

We simulate month by month for 30 years. Every month, a $100 contribution is added and converted to shares at that month’s price. Dividends are paid roughly evenly across the year based on the dividend frequency; in the DRIP path, each payout immediately buys additional shares at the then-current price. In the No‑DRIP path, dividends accrue as cash. Prices grow using a monthly rate derived from the annual price growth. Dividends per share increase once per year at the annual dividend growth rate.

This model isn’t investment advice; it’s a simple, transparent framework that illustrates how reinvesting dividends can accelerate both income and total return over time.

Projected Future Returns & Dividends for NBTB

Based on past 10-year performance, here are NBTB growth metrics:

Share price CAGR of +7.40%

Dividend CAGR of +4.92%

Using NBTB CAGR metrics, we can estimate that your initial $10,000 investment, over the next 10 years, should grow as follows:

	NBTB (DRIP)	NBTB (No DRIP)
Current Price	$40.07	$40.07
Start Shares	249.56	249.56
Start Value	$10,000	$10,000
After 10 years:
Final Share Count	343.81	249.56
Dividends Payment	$2.39	$2.39
Annual Dividends	$799	$597
Yield on cost	7.99%	5.97%
Share Price	$81.79	$81.79
Total Dividends	$5,739	$4,856
Final Value	$28,120	$25,267

Estimated Future Value + Dividends – NBTB

Dividend History: Payments & Yield

Shows quarterly dividend payments with trailing yield and a 5-year rolling average overlay. Use the range pills to switch the visible period.

Yield Dividend

Date	Dividend	Share Price	Yield %	TTM Dividend	TTM Yield %
2015-11-27	$0.2200	$30.27	0.73%	$0.8700	2.87%
2016-02-26	$0.2200	$26.24	0.84%	$0.8800	3.35%
2016-05-27	$0.2200	$29.34	0.75%	$0.8800	3.00%
2016-08-30	$0.2300	$32.04	0.72%	$0.8900	2.78%
2016-11-29	$0.2300	$38.63	0.60%	$0.9000	2.33%
2017-02-27	$0.2300	$41.08	0.56%	$0.9100	2.22%
2017-05-30	$0.2300	$35.55	0.65%	$0.9200	2.59%
2017-08-30	$0.2300	$32.72	0.70%	$0.9200	2.81%
2017-11-30	$0.2300	$38.84	0.59%	$0.9200	2.37%
2018-02-28	$0.2300	$34.80	0.66%	$0.9200	2.64%
2018-05-31	$0.2500	$38.10	0.66%	$0.9400	2.47%
2018-08-30	$0.2500	$40.08	0.62%	$0.9600	2.40%
2018-11-29	$0.2600	$38.20	0.68%	$0.9900	2.59%
2019-02-28	$0.2600	$38.63	0.67%	$1.0200	2.64%
2019-05-30	$0.2600	$36.40	0.71%	$1.0300	2.83%
2019-08-29	$0.2600	$34.90	0.75%	$1.0400	2.98%
2019-11-27	$0.2700	$40.04	0.67%	$1.0500	2.62%
2020-02-27	$0.2700	$35.59	0.76%	$1.0600	2.98%
2020-05-29	$0.2700	$31.32	0.86%	$1.0700	3.42%
2020-08-31	$0.2700	$30.47	0.89%	$1.0800	3.54%
2020-11-30	$0.2700	$29.95	0.90%	$1.0800	3.61%
2021-02-26	$0.2700	$36.23	0.75%	$1.0800	2.98%
2021-05-28	$0.2700	$38.99	0.69%	$1.0800	2.77%
2021-08-31	$0.2800	$35.86	0.78%	$1.0900	3.04%
2021-11-30	$0.2800	$36.11	0.78%	$1.1000	3.05%
2022-02-28	$0.2800	$38.37	0.73%	$1.1100	2.89%
2022-05-31	$0.2800	$36.98	0.76%	$1.1200	3.03%
2022-08-31	$0.3000	$38.78	0.77%	$1.1400	2.94%
2022-11-30	$0.3000	$46.16	0.65%	$1.1600	2.51%
2023-02-28	$0.3000	$40.59	0.74%	$1.1800	2.91%
2023-05-31	$0.3000	$33.55	0.89%	$1.2000	3.58%
2023-08-31	$0.3200	$34.42	0.93%	$1.2200	3.54%
2023-11-30	$0.3200	$35.53	0.90%	$1.2400	3.49%
2024-02-29	$0.3200	$34.39	0.93%	$1.2600	3.66%
2024-06-03	$0.3200	$36.09	0.89%	$1.2800	3.55%
2024-08-30	$0.3400	$48.96	0.69%	$1.3000	2.66%
2024-12-02	$0.3400	$49.86	0.68%	$1.3200	2.65%
2025-03-03	$0.3400	$47.31	0.72%	$1.3400	2.83%
2025-06-02	$0.3400	$41.01	0.83%	$1.3600	3.32%
2025-08-29	$0.3700	$44.27	0.84%	$1.3900	3.14%

Dividend Growth

Lifetime quarterly dividend amounts, with range controls for 1Y/2Y/5Y/10Y. Useful to visualize the cadence and pace of dividend increases over time.

Dividend

Date	Dividend	Share Price	Yield %	QoQ Change
2015-11-27	$0.2200	$30.27	0.73%	N/A
2016-02-26	$0.2200	$26.24	0.84%	+0.0%
2016-05-27	$0.2200	$29.34	0.75%	+0.0%
2016-08-30	$0.2300	$32.04	0.72%	+4.5%
2016-11-29	$0.2300	$38.63	0.60%	+0.0%
2017-02-27	$0.2300	$41.08	0.56%	+0.0%
2017-05-30	$0.2300	$35.55	0.65%	+0.0%
2017-08-30	$0.2300	$32.72	0.70%	+0.0%
2017-11-30	$0.2300	$38.84	0.59%	+0.0%
2018-02-28	$0.2300	$34.80	0.66%	+0.0%
2018-05-31	$0.2500	$38.10	0.66%	+8.7%
2018-08-30	$0.2500	$40.08	0.62%	+0.0%
2018-11-29	$0.2600	$38.20	0.68%	+4.0%
2019-02-28	$0.2600	$38.63	0.67%	+0.0%
2019-05-30	$0.2600	$36.40	0.71%	+0.0%
2019-08-29	$0.2600	$34.90	0.75%	+0.0%
2019-11-27	$0.2700	$40.04	0.67%	+3.8%
2020-02-27	$0.2700	$35.59	0.76%	+0.0%
2020-05-29	$0.2700	$31.32	0.86%	+0.0%
2020-08-31	$0.2700	$30.47	0.89%	+0.0%
2020-11-30	$0.2700	$29.95	0.90%	+0.0%
2021-02-26	$0.2700	$36.23	0.75%	+0.0%
2021-05-28	$0.2700	$38.99	0.69%	+0.0%
2021-08-31	$0.2800	$35.86	0.78%	+3.7%
2021-11-30	$0.2800	$36.11	0.78%	+0.0%
2022-02-28	$0.2800	$38.37	0.73%	+0.0%
2022-05-31	$0.2800	$36.98	0.76%	+0.0%
2022-08-31	$0.3000	$38.78	0.77%	+7.1%
2022-11-30	$0.3000	$46.16	0.65%	+0.0%
2023-02-28	$0.3000	$40.59	0.74%	+0.0%
2023-05-31	$0.3000	$33.55	0.89%	+0.0%
2023-08-31	$0.3200	$34.42	0.93%	+6.7%
2023-11-30	$0.3200	$35.53	0.90%	+0.0%
2024-02-29	$0.3200	$34.39	0.93%	+0.0%
2024-06-03	$0.3200	$36.09	0.89%	+0.0%
2024-08-30	$0.3400	$48.96	0.69%	+6.3%
2024-12-02	$0.3400	$49.86	0.68%	+0.0%
2025-03-03	$0.3400	$47.31	0.72%	+0.0%
2025-06-02	$0.3400	$41.01	0.83%	+0.0%
2025-08-29	$0.3700	$44.27	0.84%	+8.8%

Dividend Payments & Yield

Quarterly dividends with TTM yield and a 5‑year rolling average overlay. Helps compare current yield versus recent history across different ranges.

Dividend 5-yr Rolling AVG Yield

Date	Dividend	TTM Yield	5-yr Avg Yield	YoY Change
2015-11-27	$0.2200	2.87%	2.87%	N/A
2016-02-26	$0.2200	3.35%	3.11%	N/A
2016-05-27	$0.2200	3.00%	3.08%	N/A
2016-08-30	$0.2300	2.78%	3.00%	N/A
2016-11-29	$0.2300	2.33%	2.87%	3.5%
2017-02-27	$0.2300	2.22%	2.76%	3.4%
2017-05-30	$0.2300	2.59%	2.73%	4.6%
2017-08-30	$0.2300	2.81%	2.74%	3.4%
2017-11-30	$0.2300	2.37%	2.70%	2.2%
2018-02-28	$0.2300	2.64%	2.70%	1.1%
2018-05-31	$0.2500	2.47%	2.68%	2.2%
2018-08-30	$0.2500	2.40%	2.65%	4.4%
2018-11-29	$0.2600	2.59%	2.65%	7.6%
2019-02-28	$0.2600	2.64%	2.65%	10.9%
2019-05-30	$0.2600	2.83%	2.66%	9.6%
2019-08-29	$0.2600	2.98%	2.68%	8.3%
2019-11-27	$0.2700	2.62%	2.68%	6.1%
2020-02-27	$0.2700	2.98%	2.69%	3.9%
2020-05-29	$0.2700	3.42%	2.73%	3.9%
2020-08-31	$0.2700	3.54%	2.77%	3.9%
2020-11-30	$0.2700	3.61%	2.81%	2.9%
2021-02-26	$0.2700	2.98%	2.79%	1.9%
2021-05-28	$0.2700	2.77%	2.78%	0.9%
2021-08-31	$0.2800	3.04%	2.79%	0.9%
2021-11-30	$0.2800	3.05%	2.83%	1.9%
2022-02-28	$0.2800	2.89%	2.86%	2.8%
2022-05-31	$0.2800	3.03%	2.88%	3.7%
2022-08-31	$0.3000	2.94%	2.89%	4.6%
2022-11-30	$0.3000	2.51%	2.90%	5.5%
2023-02-28	$0.3000	2.91%	2.91%	6.3%
2023-05-31	$0.3000	3.58%	2.96%	7.1%
2023-08-31	$0.3200	3.54%	3.02%	7.0%
2023-11-30	$0.3200	3.49%	3.07%	6.9%
2024-02-29	$0.3200	3.66%	3.12%	6.8%
2024-06-03	$0.3200	3.55%	3.15%	6.7%
2024-08-30	$0.3400	2.66%	3.14%	6.6%
2024-12-02	$0.3400	2.65%	3.14%	6.5%
2025-03-03	$0.3400	2.83%	3.13%	6.4%
2025-06-02	$0.3400	3.32%	3.13%	6.3%
2025-08-29	$0.3700	3.14%	3.11%	6.9%

NBTB Dividend History

Ex-Date	Payment Date	Amount	TTM Yield	Forward Yield	Price on Ex-Date
08/29/2025	08/29/2025	$0.370	3.14%	3.34%	$44.27
06/02/2025	06/02/2025	$0.340	3.32%	3.32%	$41.01
03/03/2025	03/03/2025	$0.340	2.83%	2.87%	$47.31
12/02/2024	12/02/2024	$0.340	2.65%	2.73%	$49.86
08/30/2024	08/30/2024	$0.340	2.66%	2.78%	$48.96
06/03/2024	06/03/2024	$0.320	3.55%	3.55%	$36.09
02/29/2024	02/29/2024	$0.320	3.66%	3.72%	$34.39
11/30/2023	11/30/2023	$0.320	3.49%	3.60%	$35.53
08/31/2023	08/31/2023	$0.320	3.54%	3.72%	$34.42
05/31/2023	05/31/2023	$0.300	3.58%	3.58%	$33.55
02/28/2023	02/28/2023	$0.300	2.91%	2.96%	$40.59
11/30/2022	11/30/2022	$0.300	2.51%	2.60%	$46.16
08/31/2022	08/31/2022	$0.300	2.94%	3.09%	$38.78
05/31/2022	05/31/2022	$0.280	3.03%	3.03%	$36.98
02/28/2022	02/28/2022	$0.280	2.89%	2.92%	$38.37
11/30/2021	11/30/2021	$0.280	3.05%	3.10%	$36.11
08/31/2021	08/31/2021	$0.280	3.04%	3.12%	$35.86
05/28/2021	05/28/2021	$0.270	2.77%	2.77%	$38.99
02/26/2021	02/26/2021	$0.270	2.98%	2.98%	$36.23
11/30/2020	11/30/2020	$0.270	3.61%	3.61%	$29.95
08/31/2020	08/31/2020	$0.270	3.54%	3.54%	$30.47
05/29/2020	05/29/2020	$0.270	3.42%	3.45%	$31.32
02/27/2020	02/27/2020	$0.270	2.98%	3.03%	$35.59
11/27/2019	11/27/2019	$0.270	2.62%	2.70%	$40.04
08/29/2019	08/29/2019	$0.260	2.98%	2.98%	$34.90
05/30/2019	05/30/2019	$0.260	2.83%	2.86%	$36.40
02/28/2019	02/28/2019	$0.260	2.64%	2.69%	$38.63
11/29/2018	11/29/2018	$0.260	2.59%	2.72%	$38.20
08/30/2018	08/30/2018	$0.250	2.40%	2.50%	$40.08
05/31/2018	05/31/2018	$0.250	2.47%	2.62%	$38.10
02/28/2018	02/28/2018	$0.230	2.64%	2.64%	$34.80
11/30/2017	11/30/2017	$0.230	2.37%	2.37%	$38.84
08/30/2017	08/30/2017	$0.230	2.81%	2.81%	$32.72
05/30/2017	05/30/2017	$0.230	2.59%	2.59%	$35.55
02/27/2017	02/27/2017	$0.230	2.22%	2.24%	$41.08
11/29/2016	11/29/2016	$0.230	2.33%	2.38%	$38.63
08/30/2016	08/30/2016	$0.230	2.78%	2.87%	$32.04
05/27/2016	05/27/2016	$0.220	3.00%	3.00%	$29.34
02/26/2016	02/26/2016	$0.220	3.35%	3.35%	$26.24
11/27/2015	11/27/2015	$0.220	2.87%	2.91%	$30.27
08/28/2015	08/28/2015	$0.220	3.37%	3.45%	$25.53
05/27/2015	05/27/2015	$0.220	3.43%	3.55%	$24.76
02/25/2015	02/25/2015	$0.210	3.48%	3.48%	$24.14
11/26/2014	11/26/2014	$0.210	3.36%	3.36%	$24.98
08/27/2014	08/27/2014	$0.210	3.49%	3.49%	$24.07
05/28/2014	05/28/2014	$0.210	3.65%	3.70%	$22.71
02/26/2014	02/26/2014	$0.210	3.53%	3.62%	$23.21
11/26/2013	11/26/2013	$0.210	3.15%	3.27%	$25.72
08/28/2013	08/28/2013	$0.200	3.71%	3.71%	$21.54
05/29/2013	05/29/2013	$0.200	3.96%	3.96%	$20.18
02/27/2013	02/27/2013	$0.200	3.90%	3.90%	$20.50
11/28/2012	11/28/2012	$0.200	4.09%	4.09%	$19.56
08/29/2012	08/29/2012	$0.200	3.75%	3.75%	$21.36
05/30/2012	05/30/2012	$0.200	4.06%	4.06%	$19.71
02/28/2012	02/28/2012	$0.200	3.62%	3.62%	$22.08
11/29/2011	11/29/2011	$0.200	4.08%	4.08%	$19.60
08/30/2011	08/30/2011	$0.200	3.96%	3.96%	$20.22
05/27/2011	05/27/2011	$0.200	3.71%	3.71%	$21.58
02/25/2011	02/25/2011	$0.200	3.58%	3.58%	$22.33
11/29/2010	11/29/2010	$0.200	3.55%	3.55%	$22.53
08/30/2010	08/30/2010	$0.200	4.03%	4.03%	$19.84
05/27/2010	05/27/2010	$0.200	3.57%	3.57%	$22.44
02/25/2010	02/25/2010	$0.200	3.70%	3.70%	$21.60
11/27/2009	11/27/2009	$0.200	4.00%	4.00%	$19.99
08/28/2009	08/28/2009	$0.200	3.48%	3.48%	$22.97
05/28/2009	05/28/2009	$0.200	3.80%	3.80%	$21.08
02/25/2009	02/25/2009	$0.200	4.08%	4.08%	$19.59
11/26/2008	11/26/2008	$0.200	3.01%	3.01%	$26.56
08/27/2008	08/27/2008	$0.200	3.20%	3.20%	$24.97
05/28/2008	05/28/2008	$0.200	3.34%	3.34%	$23.92
02/27/2008	02/27/2008	$0.200	3.89%	3.89%	$20.59
11/28/2007	11/28/2007	$0.200	3.20%	3.24%	$24.70
08/29/2007	08/29/2007	$0.200	3.53%	3.62%	$22.08
05/30/2007	05/30/2007	$0.200	3.38%	3.51%	$22.78
02/27/2007	02/27/2007	$0.190	3.38%	3.38%	$22.51
11/29/2006	11/29/2006	$0.190	3.07%	3.07%	$24.72
08/30/2006	08/30/2006	$0.190	3.25%	3.25%	$23.39
05/30/2006	05/30/2006	$0.190	3.48%	3.48%	$21.84
02/27/2006	02/27/2006	$0.190	3.33%	3.33%	$22.80
11/29/2005	11/29/2005	$0.190	3.38%	3.38%	$22.48
08/30/2005	08/30/2005	$0.190	3.25%	3.25%	$23.36
05/27/2005	05/27/2005	$0.190	3.20%	3.20%	$23.72
02/25/2005	02/25/2005	$0.190	3.27%	3.27%	$23.23
11/29/2004	11/29/2004	$0.190	2.90%	2.98%	$25.51
08/30/2004	08/30/2004	$0.190	3.26%	3.44%	$22.07
05/27/2004	05/27/2004	$0.190	3.21%	3.48%	$21.83
02/26/2004	02/26/2004	$0.170	3.09%	3.09%	$22.00
11/26/2003	11/26/2003	$0.170	3.10%	3.10%	$21.93
08/27/2003	08/27/2003	$0.170	3.22%	3.22%	$21.12
05/28/2003	05/28/2003	$0.170	3.72%	3.72%	$18.30
02/26/2003	02/26/2003	$0.170	3.85%	3.85%	$17.67
11/26/2002	11/26/2002	$0.170	3.85%	3.85%	$17.66
08/28/2002	08/28/2002	$0.170	4.00%	4.00%	$17.00
05/29/2002	05/29/2002	$0.170	3.85%	3.85%	$17.65
02/27/2002	02/27/2002	$0.170	4.81%	4.81%	$14.13
11/28/2001	11/28/2001	$0.170	4.81%	4.81%	$14.15
08/29/2001	08/29/2001	$0.170	4.21%	4.21%	$16.15
05/30/2001	05/30/2001	$0.170	4.37%	4.37%	$15.56
02/27/2001	02/27/2001	$0.170	4.09%	4.09%	$16.63
11/29/2000	11/29/2000	$0.170	4.90%	4.90%	$13.88
08/30/2000	08/30/2000	$0.170	6.01%	6.08%	$11.19
05/30/2000	05/30/2000	$0.170	6.72%	6.89%	$9.88
02/28/2000	02/28/2000	$0.170	5.52%	5.73%	$11.88

Page 1 of 1

Dividend Payout Ratio

Tracks the percentage of earnings paid out as dividends each quarter. Lower and stable ratios often indicate safer, more sustainable payouts.

Payout Ratio

Date	Payout Ratio	QoQ Change	YoY Change
2021-10-31	36.9%	N/A	N/A
2022-01-31	37.4%	+1.4%	N/A
2022-04-30	37.9%	+1.4%	N/A
2022-07-31	38.4%	+1.4%	N/A
2022-10-31	39.3%	+2.3%	+6.6%
2023-01-31	42.1%	+7.1%	+12.7%
2023-04-30	45.3%	+7.7%	+19.7%
2023-07-31	49.2%	+8.6%	+28.1%
2023-10-31	53.8%	+9.3%	+36.9%
2024-01-31	52.5%	-2.5%	+24.6%
2024-04-30	51.2%	-2.5%	+12.8%
2024-07-31	49.8%	-2.7%	+1.1%
2024-10-31	48.4%	-2.7%	-10.0%
2025-06-30	29.5%	-39.1%	-43.8%

Dividend to Free Cash Flow Ratio

Shows dividends as a percentage of free cash flow. Consistently high values may signal limited reinvestment capacity or potential dividend risk.

Dividend/FCF Ratio

Date	Dividend/FCF Ratio	QoQ Change	YoY Change
2021-01-31	576.4%	N/A	N/A
2021-04-30	502.8%	-12.8%	N/A
2021-07-31	445.9%	-11.3%	N/A
2021-10-31	404.3%	-9.3%	N/A
2022-01-31	543.0%	+34.3%	-5.8%
2022-04-30	478.0%	-12.0%	-4.9%
2022-07-31	427.7%	-10.5%	-4.1%
2022-10-31	391.0%	-8.6%	-3.3%
2023-01-31	569.7%	+45.7%	+4.9%
2023-04-30	505.5%	-11.3%	+5.8%
2023-07-31	455.9%	-9.8%	+6.6%
2023-10-31	416.4%	-8.7%	+6.5%
2024-01-31	549.3%	+31.9%	-3.6%
2024-04-30	486.9%	-11.4%	-3.7%
2024-07-31	438.6%	-9.9%	-3.8%
2024-10-31	400.2%	-8.8%	-3.9%
2025-10-16	45.1%	-88.7%	-91.8%

Share Price

Historical closing price with range controls. Table view includes quarter‑over‑quarter and year‑over‑year changes for additional context.

NBTB Price

Date	Share Price	Price Change	QoQ Change	YoY Change
2015-11-27	$30.27	N/A	N/A	N/A
2016-02-26	$26.24	$-4.03	0.0%	N/A
2016-05-27	$29.34	+$3.10	0.0%	N/A
2016-08-30	$32.04	+$2.70	4.6%	N/A
2016-11-29	$38.63	+$6.59	0.0%	4.6%
2017-02-27	$41.08	+$2.45	0.0%	4.6%
2017-05-30	$35.55	$-5.53	0.0%	4.6%
2017-08-30	$32.72	$-2.83	0.0%	0.0%
2017-11-30	$38.84	+$6.12	0.0%	0.0%
2018-02-28	$34.80	$-4.04	0.0%	0.0%
2018-05-31	$38.10	+$3.30	8.7%	8.7%
2018-08-30	$40.08	+$1.98	0.0%	8.7%
2018-11-29	$38.20	$-1.88	4.0%	13.0%
2019-02-28	$38.63	+$0.43	0.0%	13.0%
2019-05-30	$36.40	$-2.23	0.0%	4.0%
2019-08-29	$34.90	$-1.50	0.0%	4.0%
2019-11-27	$40.04	+$5.14	3.9%	3.9%
2020-02-27	$35.59	$-4.45	0.0%	3.9%
2020-05-29	$31.32	$-4.27	0.0%	3.9%
2020-08-31	$30.47	$-0.85	0.0%	3.9%
2020-11-30	$29.95	$-0.52	0.0%	0.0%
2021-02-26	$36.23	+$6.28	0.0%	0.0%
2021-05-28	$38.99	+$2.76	0.0%	0.0%
2021-08-31	$35.86	$-3.13	3.7%	3.7%
2021-11-30	$36.11	+$0.25	0.0%	3.7%
2022-02-28	$38.37	+$2.26	0.0%	3.7%
2022-05-31	$36.98	$-1.39	0.0%	3.7%
2022-08-31	$38.78	+$1.80	7.1%	7.1%
2022-11-30	$46.16	+$7.38	0.0%	7.1%
2023-02-28	$40.59	$-5.57	0.0%	7.1%
2023-05-31	$33.55	$-7.04	0.0%	7.1%
2023-08-31	$34.42	+$0.87	6.7%	6.7%
2023-11-30	$35.53	+$1.11	0.0%	6.7%
2024-02-29	$34.39	$-1.14	0.0%	6.7%
2024-06-03	$36.09	+$1.70	0.0%	6.7%
2024-08-30	$48.96	+$12.87	6.3%	6.3%
2024-12-02	$49.86	+$0.90	0.0%	6.3%
2025-03-03	$47.31	$-2.55	0.0%	6.3%
2025-06-02	$41.01	$-6.30	0.0%	6.3%
2025-08-29	$44.27	+$3.26	8.8%	8.8%

Price to Earnings

NBTB trades at a 98.6x price-to-earnings ratio. This elevated valuation suggests investors expect strong future growth.

2021-01-31	43.4x	N/A	Q-Est
2021-04-30	49.0x	+12.9%	Q-Est
2021-07-31	48.7x	-0.7%	Q-Est
2021-10-31	48.9x	+0.4%	Q-Est
2022-01-31	53.1x	+8.7%	Q-Est
2022-04-30	52.9x	-0.4%	Q-Est
2022-07-31	51.8x	-2.0%	Q-Est
2022-10-31	52.3x	+1.0%	Q-Est
2023-01-31	76.6x	+46.4%	Q-Est
2023-04-30	71.6x	-6.5%	Q-Est
2023-07-31	56.2x	-21.5%	Q-Est
2023-10-31	55.9x	-0.5%	Q-Est
2024-01-31	62.5x	+11.7%	Q-Est
2024-04-30	51.2x	-17.9%	Q-Est
2024-07-31	57.5x	+12.2%	Q-Est
2024-09-30	67.3x	+17.1%	Q
2024-10-31	65.9x	-2.1%	Q-Est
2024-12-31	72.9x	+10.7%	Q
2025-03-31	67.9x	-6.9%	Q
2025-06-30	98.6x	+45.1%	Q

Price to Sales

NBTB trades at a 13.0x price-to-sales ratio, providing insight into market valuation relative to revenue generation.

2021-01-31	14.0x	N/A	Q-Est
2021-04-30	15.9x	+12.9%	Q-Est
2021-07-31	15.7x	-0.7%	Q-Est
2021-10-31	15.8x	+0.4%	Q-Est
2022-01-31	15.6x	-1.4%	Q-Est
2022-04-30	15.5x	-0.4%	Q-Est
2022-07-31	15.2x	-2.0%	Q-Est
2022-10-31	15.4x	+1.0%	Q-Est
2023-01-31	17.5x	+13.8%	Q-Est
2023-04-30	16.3x	-6.5%	Q-Est
2023-07-31	12.8x	-21.5%	Q-Est
2023-10-31	12.8x	-0.5%	Q-Est
2024-01-31	15.2x	+19.3%	Q-Est
2024-04-30	12.5x	-17.9%	Q-Est
2024-07-31	14.0x	+12.2%	Q-Est
2024-09-30	17.4x	+24.1%	Q
2024-10-31	16.1x	-7.7%	Q-Est
2024-12-31	17.7x	+10.0%	Q
2025-03-31	16.1x	-8.7%	Q
2025-06-30	13.0x	-19.7%	Q

Revenue

NBTB generated $0.2B in revenue. Revenue has grown by 43% over the period.

2021-01-31	$0.12B	N/A	Q-Est
2021-04-30	$0.12B	+0.0%	Q-Est
2021-07-31	$0.12B	+0.0%	Q-Est
2021-10-31	$0.12B	+0.0%	Q-Est
2022-01-31	$0.13B	+8.1%	Q-Est
2022-04-30	$0.13B	+0.0%	Q-Est
2022-07-31	$0.13B	+0.0%	Q-Est
2022-10-31	$0.13B	+0.0%	Q-Est
2023-01-31	$0.13B	+0.5%	Q-Est
2023-04-30	$0.13B	+0.0%	Q-Est
2023-07-31	$0.13B	+0.0%	Q-Est
2023-10-31	$0.13B	+0.0%	Q-Est
2024-01-31	$0.14B	+10.9%	Q-Est
2024-04-30	$0.14B	+0.0%	Q-Est
2024-07-31	$0.14B	+0.0%	Q-Est
2024-09-30	$0.15B	+2.2%	Q
2024-10-31	$0.14B	-2.2%	Q-Est
2024-12-31	$0.15B	+3.0%	Q
2025-03-31	$0.15B	+4.1%	Q
2025-06-30	$0.17B	+10.7%	Q

Net Income

NBTB reported $0.0B in net income. Net income has declined by 42% over the period.

2021-01-31	$0.04B	N/A	Q-Est
2021-04-30	$0.04B	+0.0%	Q-Est
2021-07-31	$0.04B	+0.0%	Q-Est
2021-10-31	$0.04B	+0.0%	Q-Est
2022-01-31	$0.04B	-1.9%	Q-Est
2022-04-30	$0.04B	+0.0%	Q-Est
2022-07-31	$0.04B	+0.0%	Q-Est
2022-10-31	$0.04B	+0.0%	Q-Est
2023-01-31	$0.03B	-21.9%	Q-Est
2023-04-30	$0.03B	+0.0%	Q-Est
2023-07-31	$0.03B	+0.0%	Q-Est
2023-10-31	$0.03B	+0.0%	Q-Est
2024-01-31	$0.04B	+18.4%	Q-Est
2024-04-30	$0.04B	+0.0%	Q-Est
2024-07-31	$0.04B	+0.0%	Q-Est
2024-09-30	$0.04B	+8.4%	Q
2024-10-31	$0.04B	-7.7%	Q-Est
2024-12-31	$0.04B	+2.4%	Q
2025-03-31	$0.04B	+2.1%	Q
2025-06-30	$0.02B	-38.7%	Q

Revenue vs Net Income

NBTB generated $0.2B in revenue with net income of $0.0B, representing a 13.2% net profit margin.

2021-01-31	$0.12B	$0.04B	Q-Est
2021-04-30	$0.12B	$0.04B	Q-Est
2021-07-31	$0.12B	$0.04B	Q-Est
2021-10-31	$0.12B	$0.04B	Q-Est
2022-01-31	$0.13B	$0.04B	Q-Est
2022-04-30	$0.13B	$0.04B	Q-Est
2022-07-31	$0.13B	$0.04B	Q-Est
2022-10-31	$0.13B	$0.04B	Q-Est
2023-01-31	$0.13B	$0.03B	Q-Est
2023-04-30	$0.13B	$0.03B	Q-Est
2023-07-31	$0.13B	$0.03B	Q-Est
2023-10-31	$0.13B	$0.03B	Q-Est
2024-01-31	$0.14B	$0.04B	Q-Est
2024-04-30	$0.14B	$0.04B	Q-Est
2024-07-31	$0.14B	$0.04B	Q-Est
2024-09-30	$0.15B	$0.04B	Q
2024-10-31	$0.14B	$0.04B	Q-Est
2024-12-31	$0.15B	$0.04B	Q
2025-03-31	$0.15B	$0.04B	Q
2025-06-30	$0.17B	$0.02B	Q

Gross Profit

NBTB achieved $0.1B in gross profit, showing revenue after direct production costs.

2021-01-31	$0.08B	N/A	Q-Est
2021-04-30	$0.09B	+2.1%	Q-Est
2021-07-31	$0.08B	-2.1%	Q-Est
2021-10-31	$0.09B	+2.4%	Q-Est
2022-01-31	$0.09B	+3.0%	Q-Est
2022-04-30	$0.09B	+2.3%	Q-Est
2022-07-31	$0.09B	-3.9%	Q-Est
2022-10-31	$0.09B	+6.7%	Q-Est
2023-01-31	$0.11B	+13.7%	Q-Est
2023-04-30	$0.11B	+0.3%	Q-Est
2023-07-31	$0.10B	-2.7%	Q-Est
2023-10-31	$0.10B	-0.8%	Q-Est
2024-01-31	$0.11B	+5.2%	Q-Est
2024-04-30	$0.11B	+3.3%	Q-Est
2024-07-31	$0.12B	+3.3%	Q-Est
2024-09-30	$0.12B	+3.0%	Q-Est
2024-10-31	$0.12B	-0.2%	Q-Est
2024-12-31	$0.12B	+2.8%	Q-Est
2025-03-31	$0.12B	-2.4%	Q-Est
2025-06-30	$0.13B	+9.4%	Q-Est

Operating Income

NBTB generated $0.1B in operating income, representing profit from core business operations.

2021-01-31	$0.04B	N/A	Q-Est
2021-04-30	$0.04B	+0.0%	Q-Est
2021-07-31	$0.04B	+0.0%	Q-Est
2021-10-31	$0.04B	+0.0%	Q-Est
2022-01-31	$0.05B	+8.1%	Q-Est
2022-04-30	$0.05B	+0.0%	Q-Est
2022-07-31	$0.05B	+0.0%	Q-Est
2022-10-31	$0.05B	+0.0%	Q-Est
2023-01-31	$0.05B	+0.5%	Q-Est
2023-04-30	$0.05B	+0.0%	Q-Est
2023-07-31	$0.05B	+0.0%	Q-Est
2023-10-31	$0.05B	+0.0%	Q-Est
2024-01-31	$0.05B	+10.9%	Q-Est
2024-04-30	$0.05B	+0.0%	Q-Est
2024-07-31	$0.05B	+0.0%	Q-Est
2024-09-30	$0.05B	+2.2%	Q-Est
2024-10-31	$0.05B	-2.2%	Q-Est
2024-12-31	$0.05B	+3.0%	Q-Est
2025-03-31	$0.05B	+4.1%	Q-Est
2025-06-30	$0.06B	+10.7%	Q-Est

EBITDA

NBTB generated $0.1B in EBITDA, measuring operational profitability before interest, taxes, depreciation, and amortization.

2021-01-31	$0.05B	N/A	Q-Est
2021-04-30	$0.05B	+0.0%	Q-Est
2021-07-31	$0.05B	+0.0%	Q-Est
2021-10-31	$0.05B	+0.0%	Q-Est
2022-01-31	$0.05B	+8.1%	Q-Est
2022-04-30	$0.05B	+0.0%	Q-Est
2022-07-31	$0.05B	+0.0%	Q-Est
2022-10-31	$0.05B	+0.0%	Q-Est
2023-01-31	$0.05B	+0.5%	Q-Est
2023-04-30	$0.05B	+0.0%	Q-Est
2023-07-31	$0.05B	+0.0%	Q-Est
2023-10-31	$0.05B	+0.0%	Q-Est
2024-01-31	$0.06B	+10.9%	Q-Est
2024-04-30	$0.06B	+0.0%	Q-Est
2024-07-31	$0.06B	+0.0%	Q-Est
2024-09-30	$0.06B	+2.2%	Q-Est
2024-10-31	$0.06B	-2.2%	Q-Est
2024-12-31	$0.06B	+3.0%	Q-Est
2025-03-31	$0.06B	+4.1%	Q-Est
2025-06-30	$0.07B	+10.7%	Q-Est

Operating Cash Flow

NBTB generated $0.0B in operating cash flow, demonstrating the company’s ability to convert earnings into cash.

2021-01-31	$0.04B	N/A	Q-Est
2021-04-30	$0.04B	+0.0%	Q-Est
2021-07-31	$0.04B	+0.0%	Q-Est
2021-10-31	$0.04B	+0.0%	Q-Est
2022-01-31	$0.04B	-1.9%	Q-Est
2022-04-30	$0.04B	+0.0%	Q-Est
2022-07-31	$0.04B	+0.0%	Q-Est
2022-10-31	$0.04B	+0.0%	Q-Est
2023-01-31	$0.03B	-21.9%	Q-Est
2023-04-30	$0.03B	+0.0%	Q-Est
2023-07-31	$0.03B	+0.0%	Q-Est
2023-10-31	$0.03B	+0.0%	Q-Est
2024-01-31	$0.04B	+18.4%	Q-Est
2024-04-30	$0.04B	+0.0%	Q-Est
2024-07-31	$0.04B	+0.0%	Q-Est
2024-09-30	$0.04B	+8.4%	Q-Est
2024-10-31	$0.04B	-7.7%	Q-Est
2024-12-31	$0.04B	+2.4%	Q-Est
2025-03-31	$0.04B	+2.1%	Q-Est
2025-06-30	$0.03B	-38.7%	Q-Est

Free Cash Flow

NBTB generated $0.0B in free cash flow. Free cash flow has decreased by 51% over the period.

2021-01-31	$0.04B	N/A	Q-Est
2021-04-30	$0.04B	+0.0%	Q-Est
2021-07-31	$0.04B	+0.0%	Q-Est
2021-10-31	$0.04B	+0.0%	Q-Est
2022-01-31	$0.04B	-2.9%	Q-Est
2022-04-30	$0.04B	+0.0%	Q-Est
2022-07-31	$0.04B	+0.0%	Q-Est
2022-10-31	$0.04B	+0.0%	Q-Est
2023-01-31	$0.03B	-24.4%	Q-Est
2023-04-30	$0.03B	+0.0%	Q-Est
2023-07-31	$0.03B	+0.0%	Q-Est
2023-10-31	$0.03B	+0.0%	Q-Est
2024-01-31	$0.04B	+19.6%	Q-Est
2024-04-30	$0.04B	+0.0%	Q-Est
2024-07-31	$0.04B	+0.0%	Q-Est
2024-09-30	$0.04B	+9.2%	Q-Est
2024-10-31	$0.04B	-8.4%	Q-Est
2024-12-31	$0.04B	+2.3%	Q-Est
2025-03-31	$0.04B	+1.8%	Q-Est
2025-06-30	$0.02B	-46.0%	Q-Est

Free Cash Flow / Share

NBTB generates $0.38 in free cash flow per share. FCF per share has declined by 51% over the period.

2021-01-31	$0.77	N/A	Q-Est
2021-04-30	$0.77	+0.0%	Q-Est
2021-07-31	$0.77	+0.0%	Q-Est
2021-10-31	$0.77	+0.0%	Q-Est
2022-01-31	$0.75	-2.9%	Q-Est
2022-04-30	$0.75	+0.0%	Q-Est
2022-07-31	$0.75	+0.0%	Q-Est
2022-10-31	$0.75	+0.0%	Q-Est
2023-01-31	$0.56	-24.4%	Q-Est
2023-04-30	$0.56	+0.0%	Q-Est
2023-07-31	$0.56	+0.0%	Q-Est
2023-10-31	$0.56	+0.0%	Q-Est
2024-01-31	$0.68	+19.6%	Q-Est
2024-04-30	$0.68	+0.0%	Q-Est
2024-07-31	$0.68	+0.0%	Q-Est
2024-09-30	$0.74	+9.2%	Q-Est
2024-10-31	$0.68	-8.4%	Q-Est
2024-12-31	$0.69	+2.3%	Q-Est
2025-03-31	$0.70	+1.8%	Q-Est
2025-06-30	$0.38	-46.0%	Q-Est

Earnings Per Share (EPS)

NBTB reported $0.43 in earnings per share. EPS has declined by 42% over the period.

2021-01-31	$0.74	N/A	Q-Est
2021-04-30	$0.74	+0.0%	Q-Est
2021-07-31	$0.74	+0.0%	Q-Est
2021-10-31	$0.74	+0.0%	Q-Est
2022-01-31	$0.73	-1.9%	Q-Est
2022-04-30	$0.73	+0.0%	Q-Est
2022-07-31	$0.73	+0.0%	Q-Est
2022-10-31	$0.73	+0.0%	Q-Est
2023-01-31	$0.57	-21.9%	Q-Est
2023-04-30	$0.57	+0.0%	Q-Est
2023-07-31	$0.57	+0.0%	Q-Est
2023-10-31	$0.57	+0.0%	Q-Est
2024-01-31	$0.67	+18.4%	Q-Est
2024-04-30	$0.67	+0.0%	Q-Est
2024-07-31	$0.67	+0.0%	Q-Est
2024-09-30	$0.73	+8.4%	Q
2024-10-31	$0.67	-7.7%	Q-Est
2024-12-31	$0.69	+2.4%	Q
2025-03-31	$0.70	+2.1%	Q
2025-06-30	$0.43	-38.7%	Q

Return on Equity (ROE)

NBTB delivered a 11.0% return on equity, indicating how effectively the company generates returns for shareholders.

2021-01-31	27.0%	N/A	Q-Est
2021-04-30	27.0%	+0.0%	Q-Est
2021-07-31	27.0%	+0.0%	Q-Est
2021-10-31	27.0%	+0.0%	Q-Est
2022-01-31	24.5%	-9.2%	Q-Est
2022-04-30	24.5%	+0.0%	Q-Est
2022-07-31	24.5%	+0.0%	Q-Est
2022-10-31	24.5%	+0.0%	Q-Est
2023-01-31	19.0%	-22.2%	Q-Est
2023-04-30	19.0%	+0.0%	Q-Est
2023-07-31	19.0%	+0.0%	Q-Est
2023-10-31	19.0%	+0.0%	Q-Est
2024-01-31	20.3%	+6.8%	Q-Est
2024-04-30	20.3%	+0.0%	Q-Est
2024-07-31	20.3%	+0.0%	Q-Est
2024-09-30	21.5%	+6.0%	Q-Est
2024-10-31	20.3%	-5.7%	Q-Est
2024-12-31	20.2%	-0.5%	Q-Est
2025-03-31	19.8%	-2.0%	Q-Est
2025-06-30	11.0%	-44.6%	Q-Est

Return on Assets (ROA)

NBTB achieved a 6.6% return on assets, measuring how efficiently the company uses its assets to generate profit.

2021-01-31	16.2%	N/A	Q-Est
2021-04-30	16.2%	+0.0%	Q-Est
2021-07-31	16.2%	+0.0%	Q-Est
2021-10-31	16.2%	+0.0%	Q-Est
2022-01-31	14.7%	-9.2%	Q-Est
2022-04-30	14.7%	+0.0%	Q-Est
2022-07-31	14.7%	+0.0%	Q-Est
2022-10-31	14.7%	+0.0%	Q-Est
2023-01-31	11.4%	-22.3%	Q-Est
2023-04-30	11.4%	+0.0%	Q-Est
2023-07-31	11.4%	+0.0%	Q-Est
2023-10-31	11.4%	+0.0%	Q-Est
2024-01-31	12.2%	+6.8%	Q-Est
2024-04-30	12.2%	+0.0%	Q-Est
2024-07-31	12.2%	+0.0%	Q-Est
2024-09-30	12.9%	+6.0%	Q-Est
2024-10-31	12.2%	-5.7%	Q-Est
2024-12-31	12.1%	-0.6%	Q-Est
2025-03-31	11.9%	-2.0%	Q-Est
2025-06-30	6.6%	-44.6%	Q-Est

Net Profit Margin

NBTB maintains a 13.2% net profit margin, showing the percentage of revenue retained as profit after all expenses.

2021-01-31	32.3%	N/A	Q-Est
2021-04-30	32.3%	+0.0%	Q-Est
2021-07-31	32.3%	+0.0%	Q-Est
2021-10-31	32.3%	+0.0%	Q-Est
2022-01-31	29.4%	-9.2%	Q-Est
2022-04-30	29.4%	+0.0%	Q-Est
2022-07-31	29.4%	+0.0%	Q-Est
2022-10-31	29.4%	+0.0%	Q-Est
2023-01-31	22.8%	-22.2%	Q-Est
2023-04-30	22.8%	+0.0%	Q-Est
2023-07-31	22.8%	+0.0%	Q-Est
2023-10-31	22.8%	+0.0%	Q-Est
2024-01-31	24.4%	+6.8%	Q-Est
2024-04-30	24.4%	+0.0%	Q-Est
2024-07-31	24.4%	+0.0%	Q-Est
2024-09-30	25.8%	+6.0%	Q
2024-10-31	24.4%	-5.7%	Q-Est
2024-12-31	24.2%	-0.6%	Q
2025-03-31	23.8%	-2.0%	Q
2025-06-30	13.2%	-44.6%	Q

Gross Profit Margin

NBTB operates with a 75.8% gross profit margin, reflecting pricing power and cost efficiency in core operations.

2021-01-31	65.0%	N/A	Q-Est
2021-04-30	70.9%	+9.0%	Q-Est
2021-07-31	65.0%	-8.3%	Q-Est
2021-10-31	68.3%	+5.1%	Q-Est
2022-01-31	67.7%	-1.0%	Q-Est
2022-04-30	66.6%	-1.7%	Q-Est
2022-07-31	67.8%	+1.9%	Q-Est
2022-10-31	72.8%	+7.3%	Q-Est
2023-01-31	81.0%	+11.3%	Q-Est
2023-04-30	81.7%	+0.9%	Q-Est
2023-07-31	76.7%	-6.0%	Q-Est
2023-10-31	82.1%	+7.0%	Q-Est
2024-01-31	75.0%	-8.6%	Q-Est
2024-04-30	80.1%	+6.7%	Q-Est
2024-07-31	78.6%	-1.8%	Q-Est
2024-09-30	79.4%	+1.1%	Q
2024-10-31	77.7%	-2.2%	Q-Est
2024-12-31	80.3%	+3.4%	Q
2025-03-31	75.6%	-5.8%	Q
2025-06-30	75.8%	+0.2%	Q

Cash & Debt

NBTB holds $0.0B in cash against $0.0B in debt, resulting in a net cash position of $0.0B.

2021-01-31	$0.02B	$0.01B	$0.01B	Q-Est
2021-04-30	$0.02B	$0.01B	$0.01B	Q-Est
2021-07-31	$0.02B	$0.01B	$0.01B	Q-Est
2021-10-31	$0.02B	$0.01B	$0.01B	Q-Est
2022-01-31	$0.02B	$0.01B	$0.01B	Q-Est
2022-04-30	$0.02B	$0.01B	$0.01B	Q-Est
2022-07-31	$0.02B	$0.01B	$0.01B	Q-Est
2022-10-31	$0.02B	$0.01B	$0.01B	Q-Est
2023-01-31	$0.02B	$0.01B	$0.01B	Q-Est
2023-04-30	$0.02B	$0.01B	$0.01B	Q-Est
2023-07-31	$0.02B	$0.01B	$0.01B	Q-Est
2023-10-31	$0.02B	$0.01B	$0.01B	Q-Est
2024-01-31	$0.02B	$0.01B	$0.01B	Q-Est
2024-04-30	$0.02B	$0.01B	$0.01B	Q-Est
2024-07-31	$0.02B	$0.01B	$0.01B	Q-Est
2024-09-30	$0.02B	$0.01B	$0.01B	Q-Est
2024-10-31	$0.02B	$0.01B	$0.01B	Q-Est
2024-12-31	$0.02B	$0.01B	$0.01B	Q-Est
2025-03-31	$0.02B	$0.01B	$0.02B	Q-Est
2025-06-30	$0.03B	$0.01B	$0.02B	Q-Est

Shares Outstanding

NBTB has 0.1B shares outstanding.

2021-01-31	0.05B	N/A	Q-Est
2021-04-30	0.05B	+0.0%	Q-Est
2021-07-31	0.05B	+0.0%	Q-Est
2021-10-31	0.05B	+0.0%	Q-Est
2022-01-31	0.05B	+0.0%	Q-Est
2022-04-30	0.05B	+0.0%	Q-Est
2022-07-31	0.05B	+0.0%	Q-Est
2022-10-31	0.05B	+0.0%	Q-Est
2023-01-31	0.05B	+0.0%	Q-Est
2023-04-30	0.05B	+0.0%	Q-Est
2023-07-31	0.05B	+0.0%	Q-Est
2023-10-31	0.05B	+0.0%	Q-Est
2024-01-31	0.05B	+0.0%	Q-Est
2024-04-30	0.05B	+0.0%	Q-Est
2024-07-31	0.05B	+0.0%	Q-Est
2024-09-30	0.05B	+0.0%	Q-Est
2024-10-31	0.05B	+0.0%	Q-Est
2024-12-31	0.05B	+0.0%	Q-Est
2025-03-31	0.05B	+0.0%	Q-Est
2025-06-30	0.05B	+0.0%	Q-Est

Stock-Based Comp

NBTB reported $0.0B in stock-based compensation. Over the period, stock-based compensation has increased by 43%.

2021-01-31	$0.00B	N/A	Q-Est
2021-04-30	$0.00B	+0.0%	Q-Est
2021-07-31	$0.00B	+0.0%	Q-Est
2021-10-31	$0.00B	+0.0%	Q-Est
2022-01-31	$0.00B	+8.1%	Q-Est
2022-04-30	$0.00B	+0.0%	Q-Est
2022-07-31	$0.00B	+0.0%	Q-Est
2022-10-31	$0.00B	+0.0%	Q-Est
2023-01-31	$0.00B	+0.5%	Q-Est
2023-04-30	$0.00B	+0.0%	Q-Est
2023-07-31	$0.00B	+0.0%	Q-Est
2023-10-31	$0.00B	+0.0%	Q-Est
2024-01-31	$0.00B	+10.9%	Q-Est
2024-04-30	$0.00B	+0.0%	Q-Est
2024-07-31	$0.00B	+0.0%	Q-Est
2024-09-30	$0.00B	+2.2%	Q-Est
2024-10-31	$0.00B	-2.2%	Q-Est
2024-12-31	$0.00B	+3.0%	Q-Est
2025-03-31	$0.00B	+4.1%	Q-Est
2025-06-30	$0.00B	+10.7%	Q-Est

FCF vs Stock Based Comp

NBTB generated $0.0B in free cash flow while spending $0.0B on stock-based compensation, representing 22% of FCF.

2021-01-31	$0.04B	$0.00B	Q-Est
2021-04-30	$0.04B	$0.00B	Q-Est
2021-07-31	$0.04B	$0.00B	Q-Est
2021-10-31	$0.04B	$0.00B	Q-Est
2022-01-31	$0.04B	$0.00B	Q-Est
2022-04-30	$0.04B	$0.00B	Q-Est
2022-07-31	$0.04B	$0.00B	Q-Est
2022-10-31	$0.04B	$0.00B	Q-Est
2023-01-31	$0.03B	$0.00B	Q-Est
2023-04-30	$0.03B	$0.00B	Q-Est
2023-07-31	$0.03B	$0.00B	Q-Est
2023-10-31	$0.03B	$0.00B	Q-Est
2024-01-31	$0.04B	$0.00B	Q-Est
2024-04-30	$0.04B	$0.00B	Q-Est
2024-07-31	$0.04B	$0.00B	Q-Est
2024-09-30	$0.04B	$0.00B	Q-Est
2024-10-31	$0.04B	$0.00B	Q-Est
2024-12-31	$0.04B	$0.00B	Q-Est
2025-03-31	$0.04B	$0.00B	Q-Est
2025-06-30	$0.02B	$0.00B	Q-Est

FCF vs FCF / Share

NBTB reported $0.0B in free cash flow, translating to $0.38 per share.

2021-01-31	$0.04B	$0.77	Q-Est
2021-04-30	$0.04B	$0.77	Q-Est
2021-07-31	$0.04B	$0.77	Q-Est
2021-10-31	$0.04B	$0.77	Q-Est
2022-01-31	$0.04B	$0.75	Q-Est
2022-04-30	$0.04B	$0.75	Q-Est
2022-07-31	$0.04B	$0.75	Q-Est
2022-10-31	$0.04B	$0.75	Q-Est
2023-01-31	$0.03B	$0.56	Q-Est
2023-04-30	$0.03B	$0.56	Q-Est
2023-07-31	$0.03B	$0.56	Q-Est
2023-10-31	$0.03B	$0.56	Q-Est
2024-01-31	$0.04B	$0.68	Q-Est
2024-04-30	$0.04B	$0.68	Q-Est
2024-07-31	$0.04B	$0.68	Q-Est
2024-09-30	$0.04B	$0.74	Q-Est
2024-10-31	$0.04B	$0.68	Q-Est
2024-12-31	$0.04B	$0.69	Q-Est
2025-03-31	$0.04B	$0.70	Q-Est
2025-06-30	$0.02B	$0.38	Q-Est

Revenue: Actual + Estimates

This chart tracks NBTB revenue: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

2024-01-31	$0.14B	Actual	Q-Est
2024-01-31	$0.14B	Estimate	Q-Est
2024-04-30	$0.14B	Actual	Q-Est
2024-04-30	$0.14B	Estimate	Q-Est
2024-07-31	$0.14B	Actual	Q-Est
2024-07-31	$0.14B	Estimate	Q-Est
2024-09-30	$0.15B	Actual	Q
2024-09-30	$0.14B	Estimate	Q
2024-10-31	$0.14B	Actual	Q-Est
2024-10-31	$0.14B	Estimate	Q-Est
2024-12-31	$0.15B	Actual	Q
2024-12-31	$0.15B	Estimate	Q
2025-03-31	$0.15B	Actual	Q
2025-03-31	$0.15B	Estimate	Q
2025-06-30	$0.17B	Actual	Q
2025-06-30	$0.17B	Estimate	Q
2025-09-30	$0.17B	Projection	F
2025-12-30	$0.18B	Projection	F
2026-03-30	$0.18B	Projection	F
2026-06-30	$0.19B	Projection	F

EPS: Actual + Estimates

This chart tracks NBTB eps: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

2024-01-31	$0.67	Actual	Q-Est
2024-01-31	$0.64	Estimate	Q-Est
2024-04-30	$0.67	Actual	Q-Est
2024-04-30	$0.64	Estimate	Q-Est
2024-07-31	$0.67	Actual	Q-Est
2024-07-31	$0.77	Estimate	Q-Est
2024-09-30	$0.67	Actual	Q-Est
2024-09-30	$0.77	Estimate	Q-Est
2024-10-31	$0.73	Actual	Q
2024-10-31	$0.77	Estimate	Q
2024-12-31	$0.67	Actual	Q-Est
2024-12-31	$0.76	Estimate	Q-Est
2025-03-31	$0.69	Actual	Q
2025-03-31	$0.76	Estimate	Q
2025-06-30	$0.43	Actual	Q
2025-06-30	$0.83	Estimate	Q
2025-09-30	$0.42	Projection	F
2025-12-30	$0.41	Projection	F
2026-03-30	$0.39	Projection	F
2026-06-30	$0.38	Projection	F

Net Income: Actual + Estimates

This chart tracks NBTB net income: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

2024-01-31	$0.04B	Actual	Q-Est
2024-01-31	$0.03B	Estimate	Q-Est
2024-04-30	$0.04B	Actual	Q-Est
2024-04-30	$0.03B	Estimate	Q-Est
2024-07-31	$0.04B	Actual	Q-Est
2024-07-31	$0.04B	Estimate	Q-Est
2024-09-30	$0.04B	Actual	Q-Est
2024-09-30	$0.04B	Estimate	Q-Est
2024-10-31	$0.04B	Actual	Q
2024-10-31	$0.04B	Estimate	Q
2024-12-31	$0.04B	Actual	Q-Est
2024-12-31	$0.04B	Estimate	Q-Est
2025-03-31	$0.04B	Actual	Q
2025-03-31	$0.04B	Estimate	Q
2025-06-30	$0.02B	Actual	Q
2025-06-30	$0.04B	Estimate	Q
2025-09-30	$0.02B	Projection	F
2025-12-30	$0.02B	Projection	F
2026-03-30	$0.02B	Projection	F
2026-06-30	$0.02B	Projection	F

EBITDA: Actual + Estimates

This chart tracks NBTB ebitda: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

2024-01-31	$0.06B	Actual	Q-Est
2024-01-31	$0.06B	Estimate	Q-Est
2024-04-30	$0.06B	Actual	Q-Est
2024-04-30	$0.06B	Estimate	Q-Est
2024-07-31	$0.06B	Actual	Q-Est
2024-07-31	$0.06B	Estimate	Q-Est
2024-09-30	$0.06B	Actual	Q
2024-09-30	$0.06B	Estimate	Q
2024-10-31	$0.06B	Actual	Q-Est
2024-10-31	$0.06B	Estimate	Q-Est
2024-12-31	$0.06B	Actual	Q
2024-12-31	$0.06B	Estimate	Q
2025-03-31	$0.06B	Actual	Q
2025-03-31	$0.06B	Estimate	Q
2025-06-30	$0.07B	Actual	Q
2025-06-30	$0.07B	Estimate	Q
2025-09-30	$0.07B	Projection	F
2025-12-30	$0.07B	Projection	F
2026-03-30	$0.07B	Projection	F
2026-06-30	$0.07B	Projection	F

Disclaimer: The information on this page is for educational and entertainment purposes only and does not constitute financial advice. Do your own research and consult a qualified financial advisor before making investment decisions. Data sources include Yahoo Finance and other third-party providers and may contain errors or delays.

NBTB – Dividend Returns, History & Calculator

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