NBTB

NBT Bancorp Inc

50.25

Jul 01 • 04:00PM ET +0.88 (1.78%)

Financial Banks - Regional USA Mid NASD

Peers: ZION CFR ONB SSB BOKF CBSH FNB BPOP UMBF WBS

| Held by: IJR VTI IWM VB VBR VXF IWN SPSM IJS KRE

Scroll to Statements

Index	RUT
Market Cap	2.61B
Enterprise Value	-
Income	183.63M
Sales	937.22M
Book/sh	36.81
Cash/sh	-
Dividend Est.	1.51 (3.01%)
Dividend TTM	1.48 (2.95%)
Dividend Ex-Date	Jun 01, 2026
Dividend Gr. 3/5Y	6.97% 5.63%
Payout	42.69%
Employees	2303
IPO	Mar 17, 1992

P/E	14.31
Forward P/E	11.08
PEG	-
P/S	2.79
P/B	1.37
P/C	-
P/FCF	11.40
EV/EBITDA	-
EV/Sales	-
Quick Ratio	-
Current Ratio	0.19
Debt/Eq	0.16
LT Debt/Eq	0.09
Option/Short	Yes / Yes

EPS (ttm)	3.51
EPS next Y	4.54
EPS next Q	1.02
EPS this Y	9.14%
EPS next Y	8.81%
EPS next 5Y	-
EPS past 3/5Y	-1.87% 6.99%
Sales past 3/5Y	18.83% 12.86%
EPS Y/Y TTM	16.00%
Sales Y/Y TTM	17.46%
EPS Q/Q	26.21%
Sales Q/Q	15.32%
Earnings	Apr 23 AMC
EPS/Sales Surpr.	-0.73% -0.42%

Insider Own	1.43%
Insider Trans	-1.77%
Inst Own	64.72%
Inst Trans	-0.17%
ROA	1.22%
ROE	10.55%
ROIC	8.77%
Gross Margin	-
Oper. Margin	27.44%
Profit Margin	19.59%
SMA20	5.36%
SMA50	9.05%
SMA200	15.47%
Trades

Shs Outstand	52.01M
Shs Float	51.26M
Short Float	2.95%
Short Ratio	4.89
Short Interest	1.51M
52W High	49.98 0.54%
52W Low	39.19 28.21%
Volatility	2.11% 2.34%
ATR (14)	1.08
RSI (14)	69.52
Beta	0.49
Rel Volume	1.20
Avg Volume	310.03K
Volume	370,854

Perf Week	3.14%
Perf Month	10.42%
Perf Quarter	18.01%
Perf Half Y	18.79%
Perf YTD	21.03%
Perf Year	17.35%
Perf 3Y	57.77%
Perf 5Y	39.24%
Perf 10Y	77.88%
Recom	2.14
Target Price	50.42
Prev Close	49.37
Price	50.25
Change	1.78%

Date	Action	Analyst	Rating Change	Price Target Change
Apr-27-26	Reiterated	Hovde Group	Market Perform	$47 → $46.50
Mar-16-26	Resumed	Piper Sandler	Overweight	$50
Feb-25-26	Initiated	DA Davidson	Buy	$54
Feb-23-26	Downgrade	Janney	Buy → Neutral
Oct-14-25	Upgrade	Piper Sandler	Neutral → Overweight	$47
Jul-08-25	Resumed	Piper Sandler	Neutral	$47
Mar-21-25	Initiated	Hovde Group	Market Perform	$50
Jan-29-25	Upgrade	Stephens	Equal-Weight → Overweight	$53
Jul-25-24	Downgrade	Stephens	Overweight → Equal-Weight	$42 → $49
Jul-24-24	Downgrade	Raymond James	Outperform → Mkt Perform
Mar-21-24	Upgrade	Janney	Neutral → Buy
Jun-06-23	Downgrade	Raymond James	Strong Buy → Outperform	$47 → $38
Dec-21-22	Initiated	Raymond James	Strong Buy	$49
Jan-10-22	Resumed	Keefe Bruyette	Mkt Perform	$44
Jul-28-21	Upgrade	Piper Sandler	Neutral → Overweight	$40
Jun-01-20	Initiated	Stephens	Equal-Weight	$35
Aug-15-17	Upgrade	Boenning & Scattergood	Under Perform → Neutral
Jun-08-17	Upgrade	Piper Jaffray	Underweight → Neutral
Nov-16-16	Downgrade	Piper Jaffray	Neutral → Underweight
Jan-07-16	Initiated	Piper Jaffray	Neutral	$30

Show Previous Ratings

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-24-26 08:30AM	NBT Bancorp Inc. Q1 2026 Earnings Call Summary (Moby)
Apr-23-26 04:40PM	NBT: Q1 Earnings Snapshot (Associated Press)
04:15PM	Loading…
04:15PM	NBT Bancorp Inc. Announces First Quarter 2026 Results (GlobeNewswire)
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	Loading…
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	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)
05:30PM	Loading…
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)
Jan-31-25 02:07AM	NBT Bancorp Inc (NBTB) Q4 2024 Earnings Call Highlights: Strong Operating Performance Amid ... (GuruFocus.com)
Jan-29-25 03:38AM	Q4 2024 NBT Bancorp Inc Earnings Call (Thomson Reuters StreetEvents)
Jan-27-25 06:30PM	NBT (NBTB) Q4 Earnings: How Key Metrics Compare to Wall Street Estimates (Zacks) -5.36%
05:35PM	NBT Bancorp (NBTB) Lags Q4 Earnings Estimates (Zacks)
04:47PM	NBT: Q4 Earnings Snapshot (Associated Press Finance)
04:15PM	NBT Bancorp Inc. Announces Full Year Net Income and Declares Cash Dividend (GlobeNewswire)
07:05AM	NBT Bancorp Inc (NBTB) Q4 2024 Earnings Report Preview: What To Expect (GuruFocus.com)
Jan-24-25 07:04AM	Earnings To Watch: NBT Bancorp Inc (NBTB) Reports Q4 2024 Result (GuruFocus.com)
Jan-22-25 09:15AM	Exploring Analyst Estimates for NBT (NBTB) Q4 Earnings, Beyond Revenue and EPS (Zacks)

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

Executive VP and Chief Credit & Risk OfficerMs. Amy C. Wiles

Executive VP & President of Wealth ManagementMs. Ruth Halley Mahoney

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
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
NASCA DAVID J	Director	Aug 13 '25	Sale	43.42	19,603	851,103	82,910	Aug 15 05:17 PM
DAVID J NASCA	Former CEO	Aug 13 '25	Proposed Sale	43.41	19,603	850,998		Aug 13 06:05 PM

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