NBTB

NBT Bancorp Inc

52.74

Oct 29 • 2:14 PM ET +0.77 (1.48%)

Financial Banks - Regional USA Mid NASD

Oct 28, 1:47 PMNBT Bancorp posts record Q3 earnings and NIM, beats EPS and revenue estimates, raises quarterly dividend 8% to $0.40

Peers: CBU TMP NWBI FISI AROW FCF STBA BBT CAC PFS

| Held by: IJR VTI IWM VB AVUV DFAT VBR VXF IWN SPSM

Scroll to Statements

Index	RUT
Market Cap	2.74B
Enterprise Value	-
Income	217.71M
Sales	951.82M
Book/sh	37.42
Cash/sh	-
Dividend Est.	1.53 (2.91%)
Dividend TTM	1.51 (2.86%)
Dividend Ex-Date	Dec 01, 2026
Dividend Gr. 3/5Y	6.97% 5.63%
Payout	42.69%
Employees	2303
IPO	Mar 17, 1992

P/E	12.68
Forward P/E	11.54
PEG	1.27
P/S	2.88
P/B	1.41
P/C	-
P/FCF	11.16
EV/EBITDA	-
EV/Sales	-
Quick Ratio	-
Current Ratio	0.07
Debt/Eq	0.29
LT Debt/Eq	0.08
Option/Short	Yes / Yes

EPS (ttm)	4.16
EPS next Y	4.57
EPS next Q	1.10
EPS this Y	9.52%
EPS next Y	9.26%
EPS next 5Y	9.11%
EPS past 3/5Y	-1.87% 6.99%
Sales past 3/5Y	18.83% 12.86%
EPS Y/Y TTM	38.35%
Sales Y/Y TTM	9.63%
EPS Q/Q	7.28%
Sales Q/Q	1.50%
Earnings	Oct 27 AMC
EPS/Sales Surpr.	1.43% 0.62%

Insider Own	1.41%
Insider Trans	-5.52%
Inst Own	68.77%
Inst Trans	4.28%
ROA	1.34%
ROE	11.47%
ROIC	10.38%
Gross Margin	-
Oper. Margin	29.58%
Profit Margin	22.87%
SMA20	2.77%
SMA50	2.72%
SMA200	10.68%
Trades

Shs Outstand	51.96M
Shs Float	51.23M
Short Float	5.09%
Short Ratio	8.17
Short Interest	2.61M
52W High	54.50 -3.23%
52W Low	39.44 33.70%
Volatility	2.10% 1.73%
ATR (14)	0.95
RSI (14)	59.70
Beta	0.51
Rel Volume	0.53
Avg Volume	318.91K
Volume	126,354

Perf Week	-0.10%
Perf Month	5.14%
Perf Quarter	0.17%
Perf Half Y	20.71%
Perf YTD	27.02%
Perf Year	32.16%
Perf 3Y	59.33%
Perf 5Y	43.74%
Perf 10Y	57.94%
Recom	2.43
Target Price	58.00
Prev Close	51.97
Price	52.74
Change %	1.48%

ConsensusModerate Buy

Avg. Price Target

$51.38

Implied Upside

-2.6%

Analysts9incl. previous ratings

Rating Distribution2 Buy · 7 Hold · 0 Sell

Date	Action	Analyst	Rating Change	Price Target Change	Implied Upside
Jul 30, 2026	Downgrade	SStephens	Overweight → Equal-Weight	$55	+4.3%
Apr 27, 2026	Reiterated	HHovde Group	Market Perform	$47 → $46.50	-11.8%
Mar 16, 2026	Resumed	PPiper Sandler	Overweight	$50	-5.2%
Feb 25, 2026	Initiated	DDA Davidson	Buy	$54	+2.4%
Feb 23, 2026	Downgrade	JJanney	Buy → Neutral
Oct 14, 2025	Upgrade	PPiper Sandler	Neutral → Overweight	$47	-10.9%
Jul 08, 2025	Resumed	PPiper Sandler	Neutral	$47	-10.9%
Mar 21, 2025	Initiated	HHovde Group	Market Perform	$50	-5.2%
Jan 29, 2025	Upgrade	SStephens	Equal-Weight → Overweight	$53	+0.5%
Jul 25, 2024	Downgrade	SStephens	Overweight → Equal-Weight	$42 → $49	-7.1%
Jul 24, 2024	Downgrade	RRaymond James	Outperform → Mkt Perform
Mar 21, 2024	Upgrade	JJanney	Neutral → Buy
Jun 06, 2023	Downgrade	RRaymond James	Strong Buy → Outperform	$47 → $38	-27.9%
Dec 21, 2022	Initiated	RRaymond James	Strong Buy	$49	-7.1%
Jan 10, 2022	Resumed	KKeefe Bruyette	Mkt Perform	$44	-16.6%
Jul 28, 2021	Upgrade	PPiper Sandler	Neutral → Overweight	$40	-24.2%
Jun 01, 2020	Initiated	SStephens	Equal-Weight	$35	-33.6%
Aug 15, 2017	Upgrade	BBoenning & Scattergood	Under Perform → Neutral
Jun 08, 2017	Upgrade	PPiper Jaffray	Underweight → Neutral
Nov 16, 2016	Downgrade	PPiper Jaffray	Neutral → Underweight

Oct-28-26 02:34PM	NBT: Q3 Earnings Snapshot (Associated Press)
12:47PM	NBT Bancorp Posts A Record Quarter And Wider Margin, But Flat Guidance, Rising Costs And Credit Creep Leave Investors Cooler (Earnings Whispers)
Oct-27-26 04:15PM	NBT Bancorp Inc. Announces Record Third Quarter 2026 Results and Declares Cash Dividend (GlobeNewswire)
Oct-01-26 09:00AM	NBT Bancorp Inc. Announces Date of Third Quarter Conference Call (GlobeNewswire)
Sep-21-26 04:10PM	Kimberly A. Boynton Named to NBT Board of Directors (GlobeNewswire)
05:03PM	Loading…
Jul-28-26 05:03PM	NBT Bancorp Inc (NBTB) Q2 2026 Earnings Call Highlights: Strong Earnings Growth and Dividend ... (GuruFocus.com)
Jul-27-26 04:37PM	NBT: Q2 Earnings Snapshot (Associated Press)
04:15PM	NBT Bancorp Inc. Announces Second Quarter 2026 Results and Approves an 8.1% Cash Dividend Increase (GlobeNewswire)
09:25AM	NBT Bancorp Inc (NBTB) Q2 2026 Earnings Report Preview: What To Look For (GuruFocus.com)
Jul-24-26 09:17AM	NBT Bancorp Inc (NBTB) Q2 2026 Earnings Report Preview: What To Look For (GuruFocus.com)
Jul-01-26 09:00AM	NBT Bancorp Inc. Announces Date of Second Quarter Conference Call (GlobeNewswire)
May-19-26 04:15PM	NBT Bancorp Inc. Announces Cash Dividend (GlobeNewswire)
Apr-25-26 03:04AM	NBT Bancorp Inc (NBTB) Q1 2026 Earnings Call Highlights: Strong Financial Health Amidst Loan ... (GuruFocus.com)
Apr-23-26 04:40PM	NBT: Q1 Earnings Snapshot (Associated Press)
04:15PM	NBT Bancorp Inc. Announces First Quarter 2026 Results (GlobeNewswire)
09:18AM	Loading…
09:18AM	NBT Bancorp Inc (NBTB) Q1 2026 Earnings Report Preview: What To Expect (GuruFocus.com)
Apr-22-26 09:30AM	What To Expect From NBT Bancorp Inc (NBTB) Q1 2026 Earnings (GuruFocus.com)
Apr-01-26 09:00AM	NBT Bancorp Inc. Announces Date of First Quarter Conference Call (GlobeNewswire)
Feb-24-26 11:34PM	3 Bank Stocks with Questionable Fundamentals (StockStory)
Feb-18-26 11:04PM	NBT Bancorp (NBTB): Buy, Sell, or Hold Post Q4 Earnings? (StockStory)
Feb-02-26 12:31AM	The 5 Most Interesting Analyst Questions From NBT Bancorp's Q4 Earnings Call (StockStory)
Jan-29-26 11:45AM	Why NBT Bancorp (NBTB) is a Great Dividend Stock Right Now (Zacks)
Jan-27-26 04:04PM	NBT Bancorp Inc (NBTB) Q4 2025 Earnings Call Highlights: Strong Revenue Growth and Strategic Moves (GuruFocus.com)
12:00PM	NBTB Q4 Deep Dive: Loan Growth, Deposit Mix, and M&A Shape Outlook (StockStory)
11:39AM	NBT Bancorp Q4 Earnings Call Highlights (MarketBeat)
Jan-26-26 06:00PM	NBT (NBTB) Reports Q4 Earnings: What Key Metrics Have to Say (Zacks)
05:30PM	NBT Bancorp (NBTB) Tops Q4 Earnings and Revenue Estimates (Zacks)
04:44PM	NBT Bancorp (NASDAQ:NBTB) Surprises With Q4 CY2025 Sales (StockStory)
04:33PM	NBT: Q4 Earnings Snapshot (Associated Press Finance)
04:15PM	NBT Bancorp Inc. Announces Full Year 2025 Results and Declares Cash Dividend (GlobeNewswire)
07:17AM	Loading…
07:17AM	Earnings To Watch: NBT Bancorp Inc (NBTB) Reports Q4 2025 Result (GuruFocus.com)
Jan-24-26 10:03PM	Earnings To Watch: NBT Bancorp (NBTB) Reports Q4 Results Tomorrow (StockStory)
Jan-23-26 07:15AM	Earnings To Watch: NBT Bancorp Inc (NBTB) Reports Q4 2025 Result (GuruFocus.com)
Jan-21-26 05:45PM	Fulton Financial (FULT) Tops Q4 Earnings and Revenue Estimates (Zacks)
09:15AM	Seeking Clues to NBT (NBTB) Q4 Earnings? A Peek Into Wall Street Projections for Key Metrics (Zacks)
Jan-03-26 07:20AM	Klaviyo, Wingstop among Stephens Best Ideas for 2026 (TipRanks)
Jan-02-26 09:00AM	NBT Bancorp Inc. Announces Date of Fourth Quarter Conference Call (GlobeNewswire)
Dec-31-25 10:37PM	Regional Banks Stocks Q3 Highlights: NBT Bancorp (NASDAQ:NBTB) (StockStory)
Nov-26-25 09:10AM	Improve Your Retirement Income with These 3 Top-Ranked Dividend Stocks (Zacks)
Nov-21-25 05:30PM	NBT Bancorp, FirstSun Capital Bancorp, Webster Financial, UMB Financial, and TowneBank Shares Skyrocket, What You Need To Know (StockStory)
Nov-03-25 11:00PM	NBT Bancorp (NBTB): Buy, Sell, or Hold Post Q3 Earnings? (StockStory)
12:31AM	NBT Bancorp's Q3 Earnings Call: Our Top 5 Analyst Questions (StockStory)
Oct-30-25 03:14PM	NBT Bancorp Inc (NBTB) Q3 2025 Earnings Call Highlights: Strong Financial Performance Amid ... (GuruFocus.com)
Oct-28-25 12:50PM	NBTB Q3 Deep Dive: Acquisition Integration and Diversified Growth Drive Results (StockStory)
Oct-27-25 07:00PM	NBT (NBTB) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates (Zacks)
05:55PM	NBT Bancorp (NBTB) Tops Q3 Earnings and Revenue Estimates (Zacks)
05:01PM	NBT Bancorp (NASDAQ:NBTB) Beats Q3 Sales Expectations (StockStory)
04:56PM	NBT: Q3 Earnings Snapshot (Associated Press Finance)
04:15PM	NBT Bancorp Inc. Announces Record Third Quarter 2025 Results and Declares Cash Dividend (GlobeNewswire)
09:31AM	What To Expect From NBT Bancorp Inc (NBTB) Q3 2025 Earnings (GuruFocus.com)
Oct-25-25 11:01PM	NBT Bancorp (NBTB) Q3 Earnings: What To Expect (StockStory)
Oct-24-25 09:20AM	Earnings To Watch: NBT Bancorp Inc (NBTB) Reports Q3 2025 Result (GuruFocus.com)
Oct-23-25 07:55AM	Atlantic Union (AUB) Q3 Earnings and Revenues Lag Estimates (Zacks)
Oct-14-25 11:36AM	NBT Bancorp (NBTB) Stock Is Up, What You Need To Know (StockStory) +6.38%
Oct-01-25 08:30AM	NBT Bancorp Inc. Announces Date of Third Quarter Conference Call (GlobeNewswire)
Sep-16-25 12:00AM	3 Reasons to Sell NBTB and 1 Stock to Buy Instead (StockStory)
Aug-13-25 12:22AM	The 5 Most Interesting Analyst Questions From NBT Bancorp's Q2 Earnings Call (StockStory)
12:08AM	NBTB Q2 Deep Dive: Evans Bancorp Merger and Asset Repricing Drive Growth (StockStory)
Aug-07-25 11:31PM	Q2 Earnings Outperformers: NBT Bancorp (NASDAQ:NBTB) And The Rest Of The Regional Banks Stocks (StockStory)
Aug-05-25 11:32PM	Spotting Winners: NBT Bancorp (NASDAQ:NBTB) And Regional Banks Stocks In Q2 (StockStory)
Aug-04-25 11:45AM	NBT Bancorp (NBTB) Could Be a Great Choice (Zacks)
Jul-30-25 03:11AM	NBT Bancorp Inc (NBTB) Q2 2025 Earnings Call Highlights: Strong Financial Performance Amid ... (GuruFocus.com)
Jul-28-25 07:30PM	Compared to Estimates, NBT (NBTB) Q2 Earnings: A Look at Key Metrics (Zacks)
05:40PM	NBT Bancorp (NBTB) Tops Q2 Earnings and Revenue Estimates (Zacks)
04:57PM	NBT Bancorp's (NASDAQ:NBTB) Q2 Earnings Results: Revenue In Line With Expectations (StockStory)
04:40PM	NBT: Q2 Earnings Snapshot (Associated Press Finance)
04:15PM	NBT Bancorp Inc. Announces Second Quarter 2025 Net Income and Approves an 8.8% Cash Dividend Increase (GlobeNewswire)
09:28AM	NBT Bancorp Inc (NBTB) Q2 2025 Earnings Report Preview: What To Expect (GuruFocus.com)
Jul-26-25 11:03PM	NBT Bancorp (NBTB) Reports Q2: Everything You Need To Know Ahead Of Earnings (StockStory)
Jul-25-25 09:24AM	What To Expect From NBT Bancorp Inc (NBTB) Q2 2025 Earnings (GuruFocus.com)
Jul-24-25 09:20AM	Carter Bankshares, Inc. (CARE) Beats Q2 Earnings Estimates (Zacks)
Jul-22-25 05:10PM	LCNB (LCNB) Tops Q2 Earnings Estimates (Zacks)
Jul-21-25 10:00AM	NBT Bancorp (NBTB) Reports Next Week: Wall Street Expects Earnings Growth (Zacks)
Jul-16-25 10:46AM	Do Options Traders Know Something About NBT Bancorp Stock We Don't? (Zacks)
Jul-10-25 11:31PM	Unpacking Q1 Earnings: NBT Bancorp (NASDAQ:NBTB) In The Context Of Other Regional Banks Stocks (StockStory)
Jul-01-25 09:00AM	NBT Bancorp Inc. Announces Date of Second Quarter Conference Call (GlobeNewswire)
Jun-25-25 11:45AM	Are You Looking for a High-Growth Dividend Stock? (Zacks)
Jun-23-25 02:37PM	NBTB Q1 Deep Dive: Non-Interest Income and Evans Bancorp Deal Shape Outlook (StockStory)
Jun-09-25 11:45AM	Why NBT Bancorp (NBTB) is a Great Dividend Stock Right Now (Zacks)
May-28-25 09:10AM	3 Top Dividend Stocks to Maximize Your Retirement Income (Zacks)
May-23-25 11:45AM	Why NBT Bancorp (NBTB) is a Top Dividend Stock for Your Portfolio (Zacks)
May-20-25 04:15PM	NBT Bancorp Inc. Announces Cash Dividend (GlobeNewswire)
May-07-25 11:45AM	NBT Bancorp (NBTB) Could Be a Great Choice (Zacks)
May-05-25 09:15AM	NBT Bancorp Inc. Completes Merger With Evans Bancorp, Inc. (GlobeNewswire)
Apr-26-25 03:05AM	NBT Bancorp Inc (NBTB) Q1 2025 Earnings Call Highlights: Strong Revenue Growth Amid Macro ... (GuruFocus.com)
01:44AM	Q1 2025 NBT Bancorp Inc Earnings Call (Thomson Reuters StreetEvents)
Apr-25-25 02:00PM	NBT Bancorp, Inc. (NBTB) Q1 2025 Earnings Call Transcript (Seeking Alpha)
Apr-24-25 06:30PM	Here's What Key Metrics Tell Us About NBT (NBTB) Q1 Earnings (Zacks)
05:50PM	NBT Bancorp (NBTB) Tops Q1 Earnings and Revenue Estimates (Zacks)
04:47PM	NBT: Q1 Earnings Snapshot (Associated Press Finance)
04:15PM	NBT Bancorp Inc. Announces First Quarter 2025 Net Income (GlobeNewswire)
Apr-23-25 06:05PM	Bridgewater (BWB) Q1 Earnings and Revenues Top Estimates (Zacks)
Apr-21-25 11:45AM	Are You Looking for a High-Growth Dividend Stock? (Zacks)
Apr-10-25 07:22AM	Citizens Financial Group (CFG) Surges 8.9%: Is This an Indication of Further Gains? (Zacks)
Apr-04-25 11:45AM	Why NBT Bancorp (NBTB) is a Great Dividend Stock Right Now (Zacks)
Apr-01-25 09:00AM	NBT Bancorp Inc. Announces Date of First Quarter Conference Call (GlobeNewswire)
Mar-30-25 09:03AM	NBT Bancorp: Fairly Valued With Limited Growth Prospects (Seeking Alpha)
Mar-19-25 11:45AM	Why NBT Bancorp (NBTB) is a Top Dividend Stock for Your Portfolio (Zacks)
Mar-03-25 11:45AM	NBT Bancorp (NBTB) is a Top Dividend Stock Right Now: Should You Buy? (Zacks)
Feb-13-25 11:45AM	NBT Bancorp (NBTB) Could Be a Great Choice (Zacks)

Show Previous News

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
Mahoney Ruth H	EVP/President of Wealth Mgmt	Jul 29 '26	Sale	54.30	4,500	244,350	11,928	Jul 30 02:45 PM
Halliday Sarah A	EVP/Chief Comm Innovation Off	Jul 29 '26	Sale	54.04	9,000	486,401	22,054	Jul 30 02:26 PM
RUTH H MAHONEY	Officer	Jul 29 '26	Proposed Sale	54.30	4,500	244,350		Jul 29 04:18 PM
SARAH HALLIDAY	Officer	Jul 29 '26	Proposed Sale	54.04	9,000	486,401		Jul 29 04:01 PM
MARTIN SPARKS	Officer	Jun 12 '26	Proposed Sale	48.04	1,200	57,650		Jun 12 05:24 PM
HEIDI M HOELLER	Director	Jun 12 '26	Proposed Sale	48.03	2,100	100,874		Jun 12 04:05 PM
Sparks Martin Randolph	EVP,General Counsel,Secretary	Jun 12 '26	Sale	48.04	1,200	57,650	14,463	Jun 12 02:24 PM
Hoeller Heidi M	Director	Jun 12 '26	Sale	48.03	2,100	100,874	11,560	Jun 12 02:20 PM
WATT JOHN H JR	Director	Jun 09 '26	Sale	47.42	21,000	995,751	54,010	Jun 10 03:43 PM
WATT JOHN H JR	Director	Jun 09 '26	Proposed Sale	46.24	21,000	971,040		Jun 09 10:00 AM
Mahoney Ruth H	EVP/President of Wealth Mgmt	Jun 05 '26	Sale	46.60	5,000	233,000	16,428	Jun 08 08:41 AM
RUTH H MAHONEY	Officer	Jun 05 '26	Proposed Sale	46.60	5,000	233,000		Jun 05 04:22 PM
Halliday Sarah A	Officer	May 11 '26	Proposed Sale	44.83	4,015	180,000		May 14 10:39 AM
Sparks Martin Randolph	EVP,General Counsel,Secretary	Mar 13 '26	Sale	41.30	2,400	99,120	11,350	Mar 17 12:41 PM
MARTIN SPARKS	Officer	Mar 13 '26	Proposed Sale	41.30	2,400	99,120		Mar 13 04:02 PM
Wiles Amy	EVP, Chief Risk and Credit	Feb 17 '26	Sale	45.72	4,435	202,772	21,500	Feb 18 10:54 AM
AMY WILES-MORELLI	Officer	Feb 17 '26	Proposed Sale	45.72	4,435	202,772		Feb 17 05:16 PM
DELANEY TIMOTHY E	Director	Jan 28 '26	Buy	42.97	22,730	976,708	74,615	Jan 29 12:20 PM
DELANEY TIMOTHY E	Director	Nov 06 '25	Buy	40.98	10,000	409,750	51,885	Nov 07 10:53 AM
DELANEY TIMOTHY E	Director	Oct 31 '25	Buy	40.50	2,000	81,000	41,885	Nov 03 01:39 PM
Renaissance Charitable Foundat	Director	Oct 31 '25	Proposed Sale	40.54	12,255	496,817		Oct 31 03:49 PM

NBT Bancorp, Inc. is a holding company, which engages in the provision of financial solutions. It offers commercial banking, retail banking, and wealth management, as well as trust and investment services. The company was founded in 1986 and is headquartered in Norwich, NY.

PresidentMr. Scott A. Kingsley CPA

Executive VP & CFOMs. Annette L. Burns

Senior Executive Vice PresidentMr. Joseph R. Stagliano

Strategic AdvisorMs. Amy C. Wiles

Executive VP & President of Wealth ManagementMs. Ruth Halley Mahoney

open in yahoo | open in reuters | open in marketwatch | open in google | open in EDGAR

NBTB

NBT Bancorp Inc

Upgrade your Finviz experience