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NBTB

NBT Bancorp Inc.

Financial Services · USD

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Price alert · NBTB

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52.19 USD -0.78 -1.47%
As of Oct 30, 2026 Extended hours 52.19 0.00%
Bid
52.19 × 2
Ask
52.24 × 2
52.10 Day range 53.24
39.61 52-week range 54.26
YTD
+25.70%
1 year
+28.90%
Open
53.11
Prev close
52.97
Mkt cap
2.71B
Vol
283.97K
Avg vol
311.08K
EPS
4.17
P/E
12.52
Div yield
3.02%
More statistics
Low
52.10
High
53.24
Forward P/E
11.44
Beta
0.49
Short ratio
7.15
Inst. own
69.47%
Dividend
1.60
Ex-div date
Nov 30, 2026
Earnings
Jan 25, 2027
50-d avg
51.34
200-d avg
47.65
1y target
58.00

5D chart

Chart tools
Interval
NBTB five-day price chart51.552.052.553.153.6Oct 26Oct 27Oct 28Oct 29Oct 30

Key statistics

Market cap
2.72B
Enterprise value
3.00B
Trailing P/E
12.54
Forward P/E
11.44
PEG ratio
2.66
Price / sales
3.71
Price / book
1.40
EPS (TTM)
4.17
Beta
0.49
Dividend yield
3.02%
Payout ratio
36.19%
Profit margin
29.74%
Revenue (TTM)
732.08M
Revenue growth
4.50%
Free cash flow
0
Total cash
322.20M
Total debt
569.11M
Return on equity
11.47%
Shares outstanding
51.94M
Short % of float
6.85%
50-day average
51.34
200-day average
47.65

Analyst view

Consensus: hold

Hold
Price target (mean) 58.00 +11.1% upside
Target (low)
54.00
Target (mean)
58.00
Target (high)
62.00
Ratings (0m) 7 2 buy · 5 hold · 0 sell
  • Strong buy1
  • Buy1
  • Hold5
  • Sell0
  • Strong sell0

Next earnings

Jan 25, 2027

Expected Jan 25, 2027. Consensus EPS estimate 1.10.

Earnings history

Financials — quick view

All financials
NBTB Revenue — quarterly 180.55M
2022-Q3 20222022-Q4 20222023-Q1 20232023-Q2 20232023-Q3 20232023-Q4 20232024-Q1 20242024-Q2 20242024-Q3 20242024-Q4 20242025-Q1 20252025-Q2 20252025-Q3 20252025-Q4 20252026-Q1 20262026-Q2 2026
NBTB Net income — quarterly 53.03M
2022-Q3 20222022-Q4 20222023-Q1 20232023-Q2 20232023-Q3 20232023-Q4 20232024-Q1 20242024-Q2 20242024-Q3 20242024-Q4 20242025-Q1 20252025-Q2 20252025-Q3 20252025-Q4 20252026-Q1 20262026-Q2 2026
NBTB EPS — quarterly 1.02
2022-Q3 20222022-Q4 20222023-Q1 20232023-Q2 20232023-Q3 20232023-Q4 20232024-Q1 20242024-Q2 20242024-Q3 20242024-Q4 20242025-Q1 20252025-Q2 20252025-Q3 20252025-Q4 20252026-Q1 20262026-Q2 2026

Earnings

NBTB recent earnings
Report dateQuarter endingEPS estimateEPS reportedSurpriseSurprise %
Jan 25, 2027Dec 30, 20261.09———
Oct 27, 2026Sep 30, 20261.091.11+0.02+1.83%
Jul 27, 2026Jun 30, 20261.021.01-0.01-0.98%
Apr 23, 2026Mar 31, 20260.980.97-0.01-1.02%
Jan 26, 2026Dec 31, 20250.991.05+0.06+6.06%
Oct 27, 2025Sep 30, 20250.9681.05+0.08+8.47%

Upgrades / downgrades

NBTB analyst upgrades and downgrades
DateFirmActionFromTo
Oct 30, 2026Keefe, Bruyette & WoodsreitMarket PerformMarket Perform
Aug 3, 2026Keefe, Bruyette & WoodsreitMarket PerformMarket Perform
Jul 30, 2026Stephens & Co.downOverweightEqual-Weight
Jul 29, 2026DA DavidsonmainBuyBuy
Jun 26, 2026Piper SandlermainOverweightOverweight
Apr 27, 2026DA DavidsonmainBuyBuy

About NBT Bancorp Inc.

NBT Bancorp Inc., a financial holding company, provides personal and commercial banking, retail banking, and wealth management services in the United States. It operates through Banking, Retirement Plan Administration, and All Other segments. The company offers demand deposit, savings, interest-bearing checking, money market deposit, and certificate of deposit accounts; and indirect and direct consumer loans, home equity loans and lines of credit, residential mortgages, business banking loans, commercial and industrial loans, agricultural loans, commercial construction loans, commercial real estate loans, indirect auto loans, and other consumer loans, as well as agricultural lending, personal lines of credit, overdraft protection, and second mortgage loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan and health savings account recordkeeping and administration, and actuarial services. In addition, the company offers insurance products, such as personal property and casualty, business liability, and commercial insurance; and other products and services through a network of ATM locations and 24-hour online, mobile, and telephone channels that enable customers to check balances, make deposits, transfer funds, pay bills, access statements, apply for loans, and access various other products and services. Further, it operates as a property management and passive investment company, as well as investment advisor that provides investment management and financial consulting services. The company serves retail, commercial, and municipal customers. It operates in upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York.

Sector
Financial Services
Industry
Banks - Regional
Country
United States

News

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Insider holders

NBTB insider holders
InsiderRelationLatest transactionDateShares held
AMES JOHANNA RDirectorStock Award(Grant)May 18, 2026211,779
CANTELE RICHARD J JRDirectorStock Award(Grant)May 18, 202661,320
DELANEY TIMOTHY EDirectorStock Award(Grant)May 18, 202675,674
DIETRICH MARTIN ADirectorStock Award(Grant)May 18, 2026112,294
KINGSLEY SCOTT ALLENChief Executive OfficerStock Award(Grant)Mar 22, 202657,936
NASCA DAVID JDirectorStock Award(Grant)May 18, 202673,838

Institution ownership

NBTB institution ownership
Holder% heldSharesValueReported
Blackrock Inc.14.39%7,477,880391.09MJun 29, 2026
Vanguard Portfolio Management LLC6.64%3,449,538180.41MJun 29, 2026
State Street Corporation5.26%2,731,491142.86MJun 29, 2026
Dimensional Fund Advisors LP4.63%2,406,173125.84MJun 29, 2026
Vanguard Capital Management LLC4.34%2,254,925117.93MJun 29, 2026
FMR, LLC3.34%1,737,93790.89MJun 29, 2026

Fund ownership

NBTB fund ownership
Holder% heldSharesValueReported
iShares Trust-iShares Core S&P Small-Cap ETF5.97%3,100,352162.15MSep 29, 2026
VANGUARD INDEX FUNDS-Vanguard Total Stock Market Index Fund3.03%1,573,60282.30MJun 29, 2026
iShares Trust-iShares Russell 2000 ETF2.62%1,361,51071.21MSep 29, 2026
VANGUARD INDEX FUNDS-Vanguard Small-Cap Index Fund2.18%1,135,28559.38MJun 29, 2026
VANGUARD INDEX FUNDS-Vanguard Small-Cap Value Index Fund1.38%717,81237.54MJun 29, 2026
American Century ETF Trust-Avantis U.S. Small Cap Value ETF1.31%678,69735.50MSep 29, 2026
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