Demonstrações financeiras detalhadas de NBT Bancorp Inc. (NBTB): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
NBT Bancorp Inc. registou receitas de $867.4M no último exercício, com um CAGR de 5 anos de 12.0%. O lucro líquido atingiu $169.2M, com CAGR de 5 anos de 10.1%.
Margens dos últimos 12 meses: margem bruta 76.6%, margem operacional 29.3%, margem líquida 22.7%. O fluxo de caixa livre cresceu a CAGR de 9.8% em 5 anos.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $399.2M | $425.1M | $464.8M | $507.4M | $491.3M | $494.8M | $537.0M | $662.3M | $786.0M | $867.4M |
| Custo da Receita | $47.9M | $56.9M | $67.5M | $81.4M | $83.7M | $10.5M | $39.0M | $169.8M | $231.2M | $241.7M |
| Lucro Bruto | $351.3M | $368.2M | $397.3M | $426.0M | $407.5M | $484.2M | $498.0M | $492.5M | $554.8M | $625.7M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $162.4M | $166.1M | $183.0M | $186.5M | $166.9M | $178.1M | $193.8M | $203.6M | $242.6M | $87.3M |
| Despesas Operacionais | $232.5M | $240.1M | $260.3M | $270.6M | $274.4M | $284.4M | $301.8M | $339.0M | $375.4M | $406.3M |
| Lucro Operacional | $118.8M | $128.2M | $137.0M | $155.4M | $133.1M | $199.9M | $196.2M | $153.5M | $179.5M | $219.4M |
| EBITDA | $131.8M | $141.2M | $150.3M | $175.7M | $153.6M | $219.7M | $215.2M | $175.7M | $207.0M | $241.0M |
| Despesas com Juros | $22.5M | $25.9M | $38.6M | $56.0M | $32.6M | $18.8M | $21.9M | $144.6M | $211.5M | $209.4M |
| Lucro Antes de Impostos | $118.8M | $128.2M | $137.0M | $155.4M | $133.1M | $199.9M | $196.2M | $153.5M | $179.5M | $219.4M |
| Imposto | $40.4M | $46.0M | $24.4M | $34.4M | $28.7M | $45.0M | $44.2M | $34.7M | $38.8M | $50.2M |
| Lucro Líquido | $78.4M | $82.2M | $112.6M | $121.0M | $104.4M | $154.9M | $152.0M | $118.8M | $140.6M | $169.2M |
| LPA | $1.81 | $1.89 | $2.58 | $2.76 | $2.39 | $3.57 | $3.54 | $2.67 | $2.98 | $3.34 |
| LPA Diluído | $1.80 | $1.87 | $2.56 | $2.74 | $2.37 | $3.54 | $3.52 | $2.65 | $2.96 | $3.33 |
| Ações em Circulação (Diluídas) | $43.6M | $43.9M | $44.0M | $44.1M | $44.0M | $43.7M | $43.2M | $44.8M | $47.4M | $50.9M |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $149.2M | $159.7M | $181.0M | $216.8M | $672.7M | $1.27B | $197.3M | $205.2M | $284.1M | $185.2M |
| Investimentos de Curto Prazo | $1.34B | $1.26B | $998.5M | $975.3M | $1.35B | $1.69B | $1.53B | $1.43B | $136.4M | 0 |
| Contas a Receber | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | $52.0M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $1.49B | $1.42B | $1.18B | $1.19B | $2.02B | $2.96B | $1.72B | $1.64B | $420.4M | $237.2M |
| Imobilizado | $84.2M | $81.3M | $79.0M | $75.6M | $74.2M | $72.1M | $69.0M | $80.7M | $80.8M | $99.3M |
| Ágio | $265.4M | $268.0M | $274.8M | $274.8M | $280.5M | $280.5M | $281.2M | $361.9M | $362.7M | $453.3M |
| Ativos Intangíveis | $15.8M | $13.4M | $15.6M | $12.0M | $11.7M | $8.9M | $7.3M | $40.4M | $36.4M | $57.7M |
| Ativos Totais | $8.87B | $9.14B | $9.56B | $9.72B | $10.93B | $12.01B | $11.74B | $13.31B | $13.79B | $16.00B |
| Contas a Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dívida de Curto Prazo | $681.7M | $719.1M | $871.7M | $655.3M | $168.4M | $97.8M | $585.0M | $386.7M | $162.9M | $148.1M |
| Passivos Circulantes | $7.66B | $7.89B | $8.24B | $8.24B | $9.25B | $10.33B | $10.08B | $11.36B | $11.71B | $148.1M |
| Dívida de Longo Prazo | $205.3M | $190.1M | $174.9M | $165.4M | $238.3M | $213.7M | $202.9M | $250.7M | $252.0M | $179.4M |
| Passivos Totais | $7.95B | $8.18B | $8.54B | $8.60B | $9.75B | $10.76B | $10.57B | $11.88B | $12.26B | $14.10B |
| Reservas | $501.8M | $543.7M | $621.2M | $696.2M | $749.1M | $856.2M | $958.4M | $1.02B | $1.10B | $1.20B |
| Patrimônio Líquido | $913.3M | $958.2M | $1.02B | $1.12B | $1.19B | $1.25B | $1.17B | $1.43B | $1.53B | $1.90B |
| Dívida Total | $887.0M | $909.2M | $1.05B | $820.7M | $406.7M | $311.5M | $788.0M | $637.4M | $415.0M | $327.4M |
| Dívida Líquida | -$600.5M | -$506.4M | -$132.8M | -$371.5M | -$1.61B | -$2.64B | -$936.6M | -$998.7M | -$5.4M | $142.3M |
| Capital de Giro | -$6.17B | -$6.47B | -$7.06B | -$7.05B | -$7.23B | -$7.38B | -$8.36B | -$9.72B | -$11.29B | $89.1M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $78.4M | $82.2M | $112.6M | $121.0M | $104.4M | $154.9M | $152.0M | $118.8M | $140.6M | $169.2M |
| Depreciação e Amortização | $13.0M | $13.0M | $13.3M | $20.3M | $20.5M | $12.7M | $19.1M | $22.3M | $27.5M | $316000 |
| Compensação em Ações | $4.4M | $3.6M | $3.9M | $4.2M | $4.6M | $4.4M | $4.5M | $5.1M | $6.0M | -$674000 |
| Variação Capital de Giro | -$8.2M | $7.4M | -$9.6M | -$6.8M | -$47.1M | -$12.0M | $11.9M | -$27.9M | $748000 | -$24.6M |
| Fluxo de Caixa Operacional | $109.5M | $136.9M | $147.8M | $153.5M | $145.3M | $159.2M | $183.2M | $157.5M | $188.6M | $235.2M |
| CapEx | -$3.3M | -$6.7M | -$7.4M | -$6.6M | -$8.2M | -$7.7M | -$7.0M | -$9.3M | -$11.7M | -$16.3M |
| Aquisições | -$2.0M | -$4.0M | -$7.9M | 0 | -$6.8M | -$1.6M | -$2.6M | $44.6M | -$1.4M | $37.9M |
| Recompra de Ações | -$17.2M | 0 | 0 | 0 | -$8.0M | -$21.7M | -$14.7M | -$4.9M | -$251000 | -$10.2M |
| Dividendos Pagos | -$38.9M | -$40.1M | -$43.3M | -$46.0M | -$47.2M | -$47.7M | -$49.8M | -$55.9M | -$62.3M | -$72.6M |
| Fluxo de Caixa Livre | $106.2M | $130.2M | $140.4M | $146.8M | $137.1M | $151.4M | $176.2M | $148.2M | $176.8M | $218.9M |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +6.5% | +9.3% | +9.2% | -3.2% | +0.7% | +8.5% | +23.3% | +18.7% | +10.4% |
| Crescimento Lucro Líquido (anual) | | +4.8% | +37.0% | +7.5% | -13.7% | +48.4% | -1.9% | -21.9% | +18.4% | +20.3% |
| Crescimento LPA (anual) | | +4.4% | +36.5% | +7.0% | -13.4% | +49.4% | -0.8% | -24.6% | +11.6% | +12.1% |
| Variação de Ações (anual) | | +0.6% | +0.3% | +0.2% | -0.3% | -0.6% | -1.2% | +3.7% | +5.9% | +7.3% |
| Crescimento FCF (anual) | | +22.6% | +7.8% | +4.6% | -6.6% | +10.5% | +16.4% | -15.9% | +19.3% | +23.8% |
| Margem Bruta | 88.0% | 86.6% | 85.5% | 84.0% | 83.0% | 97.9% | 92.7% | 74.4% | 70.6% | 72.1% |
| Margem Operacional | 29.8% | 30.1% | 29.5% | 30.6% | 27.1% | 40.4% | 36.5% | 23.2% | 22.8% | 25.3% |
| Margem EBITDA | 33.0% | 33.2% | 32.3% | 34.6% | 31.3% | 44.4% | 40.1% | 26.5% | 26.3% | 27.8% |
| Margem Líquida | 19.6% | 19.3% | 24.2% | 23.9% | 21.2% | 31.3% | 28.3% | 17.9% | 17.9% | 19.5% |
| Margem FCF | 26.6% | 30.6% | 30.2% | 28.9% | 27.9% | 30.6% | 32.8% | 22.4% | 22.5% | 25.2% |
| Taxa Efetiva de Imposto | 34.0% | 35.9% | 17.8% | 22.1% | 21.6% | 22.5% | 22.5% | 22.6% | 21.6% | 22.9% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $2.43 | $2.97 | $3.19 | $3.33 | $3.12 | $3.46 | $4.08 | $3.31 | $3.73 | $4.30 |
| Dividendo por Ação | $0.89 | $0.91 | $0.98 | $1.04 | $1.07 | $1.09 | $1.15 | $1.25 | $1.31 | $1.43 |
| Ações em Circulação (Básicas) | $43.3M | $43.5M | $43.6M | $43.8M | $43.7M | $43.4M | $42.9M | $44.5M | $47.2M | $47.1M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Margem bruta | 76.57% |
| Margem operacional | 29.34% |
| Margem líquida | 22.65% |
Saúde financeira
| Dívida / Patrimônio | 0.24 |
| Liquidez corrente | 0.59 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 23.14 | 19.47 | 13.41 | 14.70 | 13.43 | 10.79 | 12.27 | 15.70 | 16.03 | 12.43 |
| P/VP | 1.99 | 1.67 | 1.48 | 1.59 | 1.18 | 1.34 | 1.59 | 1.31 | 1.48 | 1.03 |
| P/V | 4.54 | 3.76 | 3.25 | 3.50 | 2.85 | 3.38 | 3.47 | 2.81 | 2.87 | 2.25 |
| Margem Bruta | 88.0% | 86.6% | 85.5% | 84.0% | 83.0% | 97.9% | 92.7% | 74.4% | 70.6% | 72.1% |
| Margem Operacional | 29.8% | 30.1% | 29.5% | 30.6% | 27.1% | 40.4% | 36.5% | 23.2% | 22.8% | 25.3% |
| Margem Líquida | 19.6% | 19.3% | 24.2% | 23.9% | 21.2% | 31.3% | 28.3% | 17.9% | 17.9% | 19.5% |