NBT Bancorp Inc. NBTB
At closeNov 11, 2026, 4:01 PM EST
After hours · Nov 11, 4:01 PM ET
- YTD
- +27.53%
- 1 year
- +27.01%
- Market cap
- 2.74B
- Revenue (ttm)
- 732.08M
- Profit margin
- 29.74%
- EPS (ttm)
- 4.17
- Shares out
- 51.83M
- P/E ratio
- 12.70
- Forward P/E
- 11.69
- Dividend
- 1.60 (3.00%)
- Ex-dividend date
- Nov 30, 2026
- YTD return
- +27.53%
- 1-year return
- +27.01%
- Volume
- 196.90K
- Avg volume
- 309.38K
- Open
- 53.33
- Previous close
- 53.41
- Day's range
- 52.68 – 53.41
- 52-week range
- 39.45 – 55.35
- Beta
- 0.50
- Analysts
- Hold
- Price target
- 57.17 (+8.0%)
- Earnings date
- Jan 25, 2027
5D -1.15 (-2.11%)
Key statistics
- Enterprise value
- 3.01B
- PEG ratio
- 2.66
- Price / sales
- 3.75
- Price / book
- 1.42
- Dividend yield
- 3.00%
- Payout ratio
- 36.21%
- Revenue growth
- 4.50%
- Free cash flow
- 0
- Total cash
- 420.77M
- Total debt
- 667.53M
- Return on equity
- 11.47%
- Short % of float
- 7.03%
- 50-day average
- 51.58
- 200-day average
- 48.02
Analyst view
Consensus: hold
- Target (low)
- 54.00
- Target (mean)
- 57.17
- Target (high)
- 62.00
- Strong buy1
- Buy1
- Hold5
- Sell0
- Strong sell0
Next earnings
Jan 25, 2027
Expected Jan 25, 2027. Consensus EPS estimate 1.09.
Financials — quick view
Earnings
| Report date | Quarter ending | EPS estimate | EPS reported | Surprise | Surprise % |
|---|---|---|---|---|---|
| Jan 25, 2027 | Dec 30, 2026 | 1.09 | — | — | — |
| Oct 27, 2026 | Sep 30, 2026 | 1.09 | 1.11 | +0.02 | +1.83% |
| Jul 27, 2026 | Jun 30, 2026 | 1.02 | 1.01 | -0.01 | -0.98% |
| Apr 23, 2026 | Mar 31, 2026 | 0.98 | 0.97 | -0.01 | -1.02% |
| Jan 26, 2026 | Dec 31, 2025 | 0.99 | 1.05 | +0.06 | +6.06% |
| Oct 27, 2025 | Sep 30, 2025 | 0.968 | 1.05 | +0.08 | +8.47% |
Upgrades / downgrades
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Nov 2, 2026 | Piper Sandler | reit | Overweight | Overweight |
| Oct 30, 2026 | Keefe, Bruyette & Woods | reit | Market Perform | Market Perform |
| Aug 3, 2026 | Keefe, Bruyette & Woods | reit | Market Perform | Market Perform |
| Jul 30, 2026 | Stephens & Co. | down | Overweight | Equal-Weight |
| Jul 29, 2026 | DA Davidson | main | Buy | Buy |
| Jun 26, 2026 | Piper Sandler | main | Overweight | Overweight |
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
- Website
- nbtbancorp.com
News
The Market Appears To Be Paying Up For NBT Bancorp's Results 
Piper Sandler Reiterates Overweight on NBT Bancorp, Lowers Price Target to $61 
Keefe, Bruyette & Woods Reiterates Market Perform on NBT Bancorp, Lowers Price Target to $55 
NBT Bancorp Q3 2026 Earnings Call Transcript 
NBT Bancorp Q3 Adj. EPS $1.11 Beats $1.09 Estimate, Sales $195.029M Beat $194.001M Estimate - Keefe, Bruyette & Woods Reiterates Market Perform on NBT Bancorp, Raises Price Target to $54
- Stephens & Co. Downgrades NBT Bancorp to Equal-Weight, Raises Price Target to $55
DA Davidson Maintains Buy on NBT Bancorp, Raises Price Target to $59 - NBT Bancorp Q2 Adj. EPS $1.01 Misses $1.02 Estimate, Sales $187.200M Miss $188.458M Estimate
Piper Sandler Maintains Overweight on NBT Bancorp, Raises Price Target to $56
Your note
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Insider holders
| Insider | Relation | Latest transaction | Date | Shares held |
|---|---|---|---|---|
| AMES JOHANNA R | Director | Stock Award(Grant) | May 18, 2026 | 211,779 |
| CANTELE RICHARD J JR | Director | Stock Award(Grant) | May 18, 2026 | 61,320 |
| DELANEY TIMOTHY E | Director | Stock Award(Grant) | May 18, 2026 | 75,674 |
| DIETRICH MARTIN A | Director | Stock Award(Grant) | May 18, 2026 | 112,294 |
| KINGSLEY SCOTT ALLEN | Chief Executive Officer | Stock Award(Grant) | Mar 22, 2026 | 57,936 |
| NASCA DAVID J | Director | Stock Award(Grant) | May 18, 2026 | 73,838 |
Institution ownership
| Holder | % held | Shares | Value | Reported |
|---|---|---|---|---|
| Blackrock Inc. | 14.43% | 7,477,880 | 395.95M | Jun 29, 2026 |
| Vanguard Portfolio Management LLC | 6.66% | 3,449,538 | 182.65M | Jun 29, 2026 |
| FMR, LLC | 6.16% | 3,194,614 | 169.15M | Sep 29, 2026 |
| State Street Corporation | 5.27% | 2,731,491 | 144.63M | Jun 29, 2026 |
| Dimensional Fund Advisors LP | 4.97% | 2,578,261 | 136.52M | Sep 29, 2026 |
| Vanguard Capital Management LLC | 4.35% | 2,254,925 | 119.40M | Jun 29, 2026 |
Fund ownership
| Holder | % held | Shares | Value | Reported |
|---|---|---|---|---|
| iShares Trust-iShares Core S&P Small-Cap ETF | 5.98% | 3,100,352 | 164.16M | Sep 29, 2026 |
| VANGUARD INDEX FUNDS-Vanguard Total Stock Market Index Fund | 3.04% | 1,573,602 | 83.32M | Jun 29, 2026 |
| iShares Trust-iShares Russell 2000 ETF | 2.63% | 1,361,510 | 72.09M | Sep 29, 2026 |
| VANGUARD INDEX FUNDS-Vanguard Small-Cap Index Fund | 2.19% | 1,135,285 | 60.11M | Jun 29, 2026 |
| VANGUARD INDEX FUNDS-Vanguard Small-Cap Value Index Fund | 1.38% | 717,812 | 38.01M | Jun 29, 2026 |
| American Century ETF Trust-Avantis U.S. Small Cap Value ETF | 1.31% | 678,697 | 35.94M | Sep 29, 2026 |