NBTB Spending and interest coverage

NBT BANCORP INC (NBTB) Spending and interest coverage

R&D / revenue · 12 months: Value (m); Formula and calculation Research and development expense / revenue. Period ending 2026-06-30..
Stock-based compensation / revenue · 12 months: Value (m); Formula and calculation Share-based compensation / revenue. Period ending 2026-06-30..
Interest coverage · 12 months: Value (m); Formula and calculation Estimated: average term debt × dated USD coupon proxy + average commercial paper × matching-currency disclosed rate at or before period end. Swaps, foreign-exchange, lease interest and amortization are not quantified..

Spending and interest coverage

Financial period ending 2026-06-30; current quote (m). Amounts retain their stated periods and units.

Metric	Value	Formula and calculation
R&D / revenue · 12 months	(m)	Research and development expense / revenue. Period ending 2026-06-30. Calculation unavailable: missing inputs remain (m).
Stock-based compensation / revenue · 12 months	(m)	Share-based compensation / revenue. Period ending 2026-06-30. Calculation unavailable: missing inputs remain (m).
Interest coverage · 12 months	(m)	Estimated: average term debt × dated USD coupon proxy + average commercial paper × matching-currency disclosed rate at or before period end. Swaps, foreign-exchange, lease interest and amortization are not quantified. Calculation unavailable: missing inputs remain (m).

Calculation inputs

Input	Amount with unit	Raw financial data
Research and development spending	(m)
Revenue	(m)	Revenue from Contract with Customer, Excluding Assessed Tax
Stock-based compensation	6.47M USD	Share-based Payment Arrangement, Noncash Expense
Operating income	(m)
Interest expense · reported / estimated	(m)	Interest Expense · Estimated expense assumptions

Latest interest expense basis: (m). Estimated values carry *; expand each history row’s basis for its dated balances and rate assumptions.

Calculated history

Changes compare with the next older row (previous quarter), unless explicitly labeled otherwise. Rolling 12-month growth compares two successive quarter-end rolling totals; it is not year-over-year growth.

Period ending	Research and development spending (USD)	Revenue (USD)	Stock-based compensation (USD)	Operating income (USD)	Interest expense · reported / estimated (USD)	R&D / revenue	SBC / revenue	Interest coverage	Interest expense basis
2026-06-30	(m)	(m)	$6.47M	(m)	(m)	(m)	(m)	(m)	(m)
2026-03-31	(m)	(m)	$6.48M	(m)	(m)	(m)	(m)	(m)	(m)
2025-12-31	(m)	$182.95M	$5.28M	(m)	(m)	(m)	2.89%	(m)	(m)
2025-09-30	(m)	(m)	$5.47M	(m)	(m)	(m)	(m)	(m)	(m)
2025-06-30	(m)	(m)	$4.85M	(m)	(m)	(m)	(m)	(m)	(m)
2025-03-31	(m)	(m)	$5.88M	(m)	(m)	(m)	(m)	(m)	(m)
2024-12-31	(m)	$165.71M	$5.99M	(m)	(m)	(m)	3.62%	(m)	(m)
2024-09-30	(m)	(m)	$6.12M	(m)	(m)	(m)	(m)	(m)	(m)
2024-06-30	(m)	(m)	$5.98M	(m)	(m)	(m)	(m)	(m)	(m)
2024-03-31	(m)	(m)	$4.92M	(m)	$177.21M	(m)	(m)	(m)	Reported
2023-12-31	(m)	$144.74M	$5.10M	(m)	$144.57M	(m)	3.52%	(m)	Reported
2023-09-30	(m)	(m)	$4.72M	(m)	$102.22M	(m)	(m)	(m)	Reported
2023-06-30	(m)	(m)	$4.56M	(m)	$64.76M	(m)	(m)	(m)	Reported
2023-03-31	(m)	(m)	$4.52M	(m)	$37.15M	(m)	(m)	(m)	Reported
2022-12-31	(m)	$150.66M	$4.53M	(m)	$21.88M	(m)	3.01%	(m)	Reported
2022-09-30	(m)	(m)	$4.54M	(m)	$16.61M	(m)	(m)	(m)	Reported
2022-06-30	(m)	(m)	$4.44M	(m)	$16.42M	(m)	(m)	(m)	Reported
2022-03-31	(m)	(m)	$4.22M	(m)	$17.39M	(m)	(m)	(m)	Reported
2021-12-31	(m)	$151.01M	$4.41M	(m)	$18.79M	(m)	2.92%	(m)	Reported
2021-09-30	(m)	(m)	$4.44M	(m)	$21.00M	(m)	(m)	(m)	Reported
2021-06-30	(m)	(m)	$4.53M	(m)	$23.50M	(m)	(m)	(m)	Reported
2021-03-31	(m)	(m)	$4.57M	(m)	$25.64M	(m)	(m)	(m)	Reported
2020-12-31	(m)	$140.92M	$4.58M	(m)	$32.60M	(m)	3.25%	(m)	Reported
2020-09-30	(m)	(m)	$4.57M	(m)	$39.66M	(m)	(m)	(m)	Reported
2020-06-30	(m)	(m)	$4.38M	(m)	$46.94M	(m)	(m)	(m)	Reported
2020-03-31	(m)	(m)	$4.31M	(m)	$54.55M	(m)	(m)	(m)	Reported
2019-12-31	(m)	$134.46M	$4.21M	(m)	$55.98M	(m)	3.13%	(m)	Reported
2019-09-30	(m)	(m)	$4.08M	(m)	$54.23M	(m)	(m)	(m)	Reported
2019-06-30	(m)	(m)	$4.12M	(m)	$50.59M	(m)	(m)	(m)	Reported
2019-03-31	(m)	(m)	$4.06M	(m)	$45.01M	(m)	(m)	(m)	Reported
2018-12-31	(m)	$126.01M	$3.94M	(m)	$38.63M	(m)	3.12%	(m)	Reported
2018-09-30	(m)	(m)	$3.91M	(m)	$33.76M	(m)	(m)	(m)	Reported
2018-06-30	(m)	(m)	$3.96M	(m)	$30.00M	(m)	(m)	(m)	Reported
2018-03-31	(m)	(m)	$3.93M	(m)	$27.24M	(m)	(m)	(m)	Reported
2017-12-31	(m)	(m)	$3.64M	(m)	$25.91M	(m)	(m)	(m)	Reported
2017-09-30	(m)	(m)	$4.48M	(m)	$24.82M	(m)	(m)	(m)	Reported
2017-06-30	(m)	(m)	$4.73M	(m)	$23.75M	(m)	(m)	(m)	Reported
2017-03-31	(m)	(m)	$4.93M	(m)	$23.07M	(m)	(m)	(m)	Reported
2016-12-31	(m)	(m)	$4.38M	(m)	$22.51M	(m)	(m)	(m)	Reported
2016-09-30	(m)	(m)	$3.79M	(m)	$22.08M	(m)	(m)	(m)	Reported
2016-06-30	(m)	(m)	$3.70M	(m)	$21.49M	(m)	(m)	(m)	Reported
2016-03-31	(m)	(m)	$3.71M	(m)	$20.93M	(m)	(m)	(m)	Reported
2015-12-31	(m)	(m)	$4.09M	(m)	$20.62M	(m)	(m)	(m)	Reported
2015-09-30	(m)	(m)	$4.10M	(m)	$20.75M	(m)	(m)	(m)	Reported
2015-06-30	(m)	(m)	$4.12M	(m)	$20.86M	(m)	(m)	(m)	Reported
2015-03-31	(m)	(m)	$4.25M	(m)	$21.70M	(m)	(m)	(m)	Reported
2014-12-31	(m)	(m)	$3.52M	(m)	$23.20M	(m)	(m)	(m)	Reported
2014-09-30	(m)	(m)	$3.55M	(m)	$24.94M	(m)	(m)	(m)	Reported
2014-06-30	(m)	(m)	$3.66M	(m)	$26.91M	(m)	(m)	(m)	Reported
2014-03-31	(m)	(m)	$3.60M	(m)	$28.98M	(m)	(m)	(m)	Reported
2013-12-31	(m)	(m)	$4.30M	(m)	$30.64M	(m)	(m)	(m)	Reported
2013-09-30	(m)	(m)	$4.38M	(m)	$31.93M	(m)	(m)	(m)	Reported
2013-06-30	(m)	(m)	$4.29M	(m)	$33.26M	(m)	(m)	(m)	Reported
2013-03-31	(m)	(m)	$4.32M	(m)	$34.21M	(m)	(m)	(m)	Reported
2012-12-31	(m)	(m)	$4.36M	(m)	$35.19M	(m)	(m)	(m)	Reported
2012-09-30	(m)	(m)	$4.37M	(m)	$36.19M	(m)	(m)	(m)	Reported
2012-06-30	(m)	(m)	$4.32M	(m)	$36.93M	(m)	(m)	(m)	Reported
2012-03-31	(m)	(m)	$4.11M	(m)	$38.13M	(m)	(m)	(m)	Reported
2011-12-31	(m)	(m)	$3.24M	(m)	$39.72M	(m)	(m)	(m)	Reported
2011-09-30	(m)	(m)	$3.66M	(m)	$42.17M	(m)	(m)	(m)	Reported
2011-06-30	(m)	(m)	$3.52M	(m)	$45.43M	(m)	(m)	(m)	Reported
2011-03-31	(m)	(m)	$4.41M	(m)	$49.34M	(m)	(m)	(m)	Reported
2010-12-31	(m)	(m)	$3.78M	(m)	$53.21M	(m)	(m)	(m)	Reported
2010-09-30	(m)	(m)	(m)	(m)	(m)	(m)	(m)	(m)	(m)
2010-06-30	(m)	(m)	(m)	(m)	(m)	(m)	(m)	(m)	(m)
2010-03-31	(m)	(m)	(m)	(m)	(m)	(m)	(m)	(m)	(m)
2009-12-31	(m)	(m)	$3.13M	(m)	$76.92M	(m)	(m)	(m)	Reported
2009-09-30	(m)	(m)	(m)	(m)	(m)	(m)	(m)	(m)	(m)
2009-06-30	(m)	(m)	(m)	(m)	(m)	(m)	(m)	(m)	(m)
2008-12-31	(m)	(m)	$2.10M	(m)	$108.37M	(m)	(m)	(m)	Reported

(m) means missing inputs. Historical market-based ratios use the saved close on or immediately before period ending and that period’s reported shares; current quotes are not substituted. Five-year projections repeat historical CAGR, not analyst forecasts.

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