NBT Bancorp (NBTB) Stock Price
NBT Bancorp Price
Over the last 19 years NBT Bancorp grew revenue by 6.1% annually, reaching 657.99 M USD. Earnings per share have grown at 3.7% per year over the last 19 years. For NBT Bancorp, the net margin of 25.7% is down versus 32.5% a few years ago. At today's price the dividend yield works out to roughly 2.68%. The payout ratio is around 44% of earnings. The dividend has grown at 3.3% per year over the past 19 years. The consensus 12-month price target for NBT Bancorp is 49.47 USD, about 6.5% below where the stock trades today. Of 12 analysts, 8 rate the stock a buy — an overall Buy consensus. The stock trades about 35% above its 52-week low.
NBT Bancorp stock price
Details
Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of NBT Bancorp over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how NBT Bancorp stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing NBT Bancorp's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
| Date | NBT Bancorp Price |
|---|---|
| 8/6/2026 | 52.91 USD |
| 8/5/2026 | 53.35 USD |
| 8/4/2026 | 53.97 USD |
| 8/3/2026 | 52.91 USD |
| 7/31/2026 | 52.65 USD |
| 7/30/2026 | 52.93 USD |
| 7/29/2026 | 54.27 USD |
| 7/27/2026 | 52.78 USD |
| 7/23/2026 | 51.32 USD |
| 7/22/2026 | 51.73 USD |
| 7/21/2026 | 52.08 USD |
| 7/20/2026 | 52.33 USD |
| 7/17/2026 | 52.45 USD |
| 7/16/2026 | 53.18 USD |
| 7/15/2026 | 51.30 USD |
| 7/14/2026 | 50.64 USD |
| 7/13/2026 | 50.53 USD |
| 7/10/2026 | 50.28 USD |
| 7/9/2026 | 49.95 USD |
| 7/8/2026 | 49.10 USD |
| 7/7/2026 | 49.63 USD |
| 7/6/2026 | 49.93 USD |
| 7/2/2026 | 50.08 USD |
| 7/1/2026 | 50.25 USD |
| 6/30/2026 | 49.37 USD |
| 6/29/2026 | 48.81 USD |
| 6/26/2026 | 49.59 USD |
| 6/25/2026 | 49.26 USD |
| 6/24/2026 | 48.72 USD |
| 6/23/2026 | 48.10 USD |
| 6/22/2026 | 47.16 USD |
| 6/18/2026 | 46.72 USD |
| 6/17/2026 | 46.97 USD |
| 6/16/2026 | 47.41 USD |
| 6/15/2026 | 48.00 USD |
| 6/12/2026 | 48.17 USD |
| 6/11/2026 | 47.41 USD |
| 6/10/2026 | 47.38 USD |
| 6/9/2026 | 47.21 USD |
| 6/8/2026 | 46.24 USD |
| 6/5/2026 | 46.74 USD |
| 6/4/2026 | 46.19 USD |
| 6/3/2026 | 45.16 USD |
| 6/2/2026 | 46.19 USD |
| 6/1/2026 | 45.56 USD |
| 5/29/2026 | 46.36 USD |
| 5/28/2026 | 45.81 USD |
| 5/27/2026 | 46.21 USD |
| 5/26/2026 | 46.28 USD |
| 5/22/2026 | 46.17 USD |
| 5/21/2026 | 45.59 USD |
| 5/20/2026 | 45.71 USD |
| 5/19/2026 | 44.81 USD |
| 5/18/2026 | 44.80 USD |
| 5/15/2026 | 44.09 USD |
| 5/14/2026 | 44.38 USD |
| 5/13/2026 | 44.54 USD |
| 5/12/2026 | 44.98 USD |
| 5/11/2026 | 44.82 USD |
| 5/8/2026 | 45.59 USD |
| 5/7/2026 | 45.07 USD |
| 5/6/2026 | 45.20 USD |
| 5/5/2026 | 44.72 USD |
| 5/4/2026 | 44.07 USD |
| 5/1/2026 | 44.21 USD |
| 4/30/2026 | 43.69 USD |
| 4/29/2026 | 43.69 USD |
| 4/28/2026 | 44.57 USD |
| 4/27/2026 | 44.00 USD |
| 4/24/2026 | 43.25 USD |
| 4/23/2026 | 45.29 USD |
| 4/22/2026 | 44.72 USD |
| 4/21/2026 | 45.07 USD |
| 4/20/2026 | 45.76 USD |
| 4/17/2026 | 45.65 USD |
| 4/16/2026 | 44.60 USD |
| 4/15/2026 | 44.89 USD |
| 4/14/2026 | 45.19 USD |
| 4/13/2026 | 45.40 USD |
| 4/10/2026 | 45.16 USD |
| 4/9/2026 | 45.79 USD |
| 4/8/2026 | 44.98 USD |
| 4/7/2026 | 43.99 USD |
| 4/6/2026 | 43.69 USD |
| 4/2/2026 | 43.15 USD |
| 4/1/2026 | 43.00 USD |
| 3/31/2026 | 42.58 USD |
| 3/30/2026 | 42.02 USD |
| 3/27/2026 | 41.86 USD |
| 3/26/2026 | 42.54 USD |
| 3/25/2026 | 42.47 USD |
| 3/24/2026 | 41.96 USD |
| 3/23/2026 | 41.99 USD |
| 3/20/2026 | 40.71 USD |
| 3/19/2026 | 40.97 USD |
| 3/18/2026 | 40.97 USD |
| 3/17/2026 | 41.31 USD |
| 3/16/2026 | 41.45 USD |
| 3/13/2026 | 41.47 USD |
| 3/12/2026 | 41.25 USD |
| 3/11/2026 | 41.13 USD |
| 3/10/2026 | 41.53 USD |
| 3/9/2026 | 41.41 USD |
| 3/6/2026 | 41.63 USD |
| 3/5/2026 | 42.43 USD |
| 3/4/2026 | 43.01 USD |
| 3/3/2026 | 42.67 USD |
| 3/2/2026 | 42.78 USD |
| 2/27/2026 | 42.72 USD |
| 2/26/2026 | 44.45 USD |
| 2/25/2026 | 45.21 USD |
| 2/24/2026 | 43.93 USD |
| 2/23/2026 | 43.66 USD |
| 2/20/2026 | 45.63 USD |
| 2/19/2026 | 45.16 USD |
| 2/18/2026 | 44.98 USD |
| 2/17/2026 | 45.71 USD |
| 2/13/2026 | 45.82 USD |
| 2/12/2026 | 45.56 USD |
| 2/11/2026 | 45.33 USD |
| 2/10/2026 | 45.58 USD |
| 2/9/2026 | 46.29 USD |
| 2/6/2026 | 46.65 USD |
| 2/5/2026 | 46.38 USD |
| 2/4/2026 | 46.06 USD |
| 2/3/2026 | 45.25 USD |
| 2/2/2026 | 45.41 USD |
| 1/30/2026 | 44.43 USD |
| 1/29/2026 | 44.11 USD |
| 1/28/2026 | 42.62 USD |
| 1/27/2026 | 43.42 USD |
| 1/26/2026 | 43.91 USD |
| 1/23/2026 | 43.65 USD |
| 1/22/2026 | 45.47 USD |
| 1/21/2026 | 45.19 USD |
| 1/20/2026 | 43.07 USD |
| 1/16/2026 | 43.59 USD |
| 1/15/2026 | 43.71 USD |
| 1/14/2026 | 42.71 USD |
| 1/13/2026 | 42.13 USD |
| 1/12/2026 | 42.53 USD |
| 1/9/2026 | 42.88 USD |
| 1/8/2026 | 43.28 USD |
| 1/7/2026 | 42.59 USD |
| 1/6/2026 | 42.86 USD |
| 1/5/2026 | 42.39 USD |
| 1/2/2026 | 41.59 USD |
| 12/31/2025 | 41.52 USD |
| 12/30/2025 | 41.71 USD |
| 12/29/2025 | 42.30 USD |
| 12/26/2025 | 42.71 USD |
| 12/24/2025 | 42.71 USD |
| 12/23/2025 | 42.65 USD |
| 12/22/2025 | 43.11 USD |
| 12/19/2025 | 43.50 USD |
| 12/18/2025 | 44.46 USD |
| 12/17/2025 | 44.21 USD |
| 12/16/2025 | 43.98 USD |
| 12/15/2025 | 44.46 USD |
| 12/12/2025 | 44.03 USD |
| 12/11/2025 | 44.06 USD |
| 12/10/2025 | 43.79 USD |
| 12/9/2025 | 42.30 USD |
| 12/8/2025 | 42.28 USD |
| 12/5/2025 | 42.01 USD |
| 12/4/2025 | 41.82 USD |
| 12/3/2025 | 42.24 USD |
| 12/2/2025 | 41.54 USD |
| 12/1/2025 | 41.54 USD |
| 11/28/2025 | 41.46 USD |
| 11/26/2025 | 42.14 USD |
| 11/25/2025 | 42.35 USD |
| 11/24/2025 | 41.14 USD |
| 11/21/2025 | 41.28 USD |
| 11/20/2025 | 39.96 USD |
| 11/19/2025 | 39.61 USD |
| 11/18/2025 | 39.77 USD |
| 11/17/2025 | 39.65 USD |
| 11/14/2025 | 40.93 USD |
| 11/13/2025 | 41.20 USD |
| 11/12/2025 | 41.39 USD |
| 11/11/2025 | 41.69 USD |
| 11/10/2025 | 41.51 USD |
| 11/7/2025 | 41.61 USD |
| 11/6/2025 | 40.85 USD |
| 11/5/2025 | 41.72 USD |
| 11/4/2025 | 40.73 USD |
| 11/3/2025 | 40.81 USD |
| 10/31/2025 | 40.47 USD |
| 10/30/2025 | 40.49 USD |
| 10/29/2025 | 39.91 USD |
| 10/28/2025 | 41.30 USD |
| 10/27/2025 | 40.74 USD |
| 10/24/2025 | 40.89 USD |
| 10/23/2025 | 40.33 USD |
| 10/22/2025 | 40.70 USD |
| 10/21/2025 | 40.76 USD |
| 10/20/2025 | 40.75 USD |
| 10/17/2025 | 40.15 USD |
| 10/16/2025 | 39.61 USD |
| 10/15/2025 | 41.43 USD |
| 10/14/2025 | 42.18 USD |
| 10/13/2025 | 39.65 USD |
| 10/10/2025 | 39.29 USD |
| 10/9/2025 | 40.75 USD |
| 10/8/2025 | 41.16 USD |
| 10/7/2025 | 41.28 USD |
| 10/6/2025 | 41.74 USD |
| 10/3/2025 | 41.47 USD |
| 10/2/2025 | 41.21 USD |
| 10/1/2025 | 41.43 USD |
| 9/30/2025 | 41.76 USD |
| 9/29/2025 | 41.84 USD |
| 9/28/2025 | 41.84 USD |
| 9/25/2025 | 42.54 USD |
| 9/24/2025 | 42.55 USD |
| 9/23/2025 | 42.83 USD |
| 9/22/2025 | 42.83 USD |
| 9/19/2025 | 43.30 USD |
| 9/18/2025 | 44.19 USD |
| 9/17/2025 | 42.77 USD |
| 9/16/2025 | 42.27 USD |
| 9/15/2025 | 42.80 USD |
| 9/12/2025 | 43.30 USD |
| 9/11/2025 | 43.64 USD |
| 9/10/2025 | 43.21 USD |
| 9/9/2025 | 43.16 USD |
| 9/8/2025 | 43.94 USD |
| 9/5/2025 | 44.06 USD |
| 9/4/2025 | 44.58 USD |
| 9/3/2025 | 43.88 USD |
| 9/2/2025 | 43.92 USD |
| 8/29/2025 | 44.45 USD |
| 8/28/2025 | 44.76 USD |
| 8/27/2025 | 45.07 USD |
| 8/26/2025 | 44.89 USD |
| 8/25/2025 | 44.40 USD |
| 8/22/2025 | 44.67 USD |
| 8/21/2025 | 42.52 USD |
| 8/20/2025 | 42.49 USD |
| 8/19/2025 | 42.24 USD |
| 8/18/2025 | 42.33 USD |
| 8/15/2025 | 42.15 USD |
| 8/14/2025 | 43.08 USD |
| 8/13/2025 | 43.44 USD |
| 8/12/2025 | 42.86 USD |
| 8/11/2025 | 40.94 USD |
| 8/8/2025 | 40.97 USD |
NBT Bancorp Revenue, Pre-Provision Profit, Net Income
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NBT Bancorp Income Statement, Balance Sheet, Cash Flow Statement
| REVENUEM USD |
|---|
| REVENUE GROWTH% |
| GROSS MARGIN% |
| GROSS INCOMEM USD |
| Net Interest IncomeM USD |
| Non-Interest IncomeM USD |
| Loan Loss ProvisionsM USD |
| Pre-Provision Profit (PPOP)M USD |
| NET INCOMEM USD |
| NET INCOME GROWTH% |
| DIVIDENDDIV.USD |
| DIVIDEND GROWTHDIV. GROWTH% |
| SHARESM |
| 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026e | 2027e |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 324.00 | 369.00 | 378.00 | 384.00 | 399.00 | 425.00 | 464.00 | 507.00 | 491.00 | 494.00 | 537.00 | 662.00 | 785.00 | 867.00 | 762.00 | 798.00 |
| 2.21 | 13.89 | 2.44 | 1.59 | 3.91 | 6.52 | 9.18 | 9.27 | -3.16 | 0.61 | 8.70 | 23.28 | 18.58 | 10.45 | -12.11 | 4.72 |
| 82.72 | 85.64 | 88.62 | 90.10 | 87.97 | 86.59 | 85.56 | 84.02 | 82.89 | 97.98 | 92.55 | 74.32 | 70.57 | 72.09 | 72.09 | 72.09 |
| 268.00 | 316.00 | 335.00 | 346.00 | 351.00 | 368.00 | 397.00 | 426.00 | 407.00 | 484.00 | 497.00 | 492.00 | 554.00 | 625.00 | 549.31 | 575.26 |
| 204.20 | 238.10 | 251.90 | 252.61 | 264.44 | 283.49 | 305.63 | 311.56 | 315.68 | 321.09 | 362.19 | 378.83 | 400.12 | 501.55 | – | – |
| 87.30 | 103.20 | 126.00 | 111.68 | 112.26 | 115.72 | 120.55 | 139.87 | 142.98 | 154.88 | 152.93 | 181.30 | 174.32 | 156.44 | – | – |
| 20.30 | 22.40 | 19.50 | 18.30 | 25.40 | 31.00 | 28.80 | 25.40 | – | -8.30 | 17.10 | 25.27 | 19.61 | 32.25 | – | – |
| 97.60 | 112.40 | 131.80 | 128.09 | 140.80 | 153.62 | 161.57 | 176.72 | 129.76 | 188.67 | 210.62 | 218.46 | 196.56 | 212.65 | – | – |
| 54.00 | 61.00 | 75.00 | 76.00 | 78.00 | 82.00 | 112.00 | 121.00 | 104.00 | 154.00 | 151.00 | 118.00 | 140.00 | 169.00 | 218.00 | 234.00 |
| -5.26 | 12.96 | 22.95 | 1.33 | 2.63 | 5.13 | 36.59 | 8.04 | -14.05 | 48.08 | -1.95 | -21.85 | 18.64 | 20.71 | 28.99 | 7.34 |
| 0.80 | 0.81 | 1.26 | 0.87 | 0.90 | 0.92 | 0.99 | 1.05 | 1.08 | 1.10 | 1.16 | 1.24 | 1.32 | 1.42 | 1.52 | 1.61 |
| – | 1.25 | 55.56 | -30.95 | 3.45 | 2.22 | 7.61 | 6.06 | 2.86 | 1.85 | 5.45 | 6.90 | 6.45 | 7.58 | 7.04 | 5.92 |
| 33.99 | 44.12 | 44.54 | 44.07 | 43.70 | 44.09 | 44.06 | 44.17 | 43.97 | 43.58 | 43.15 | 47.36 | 47.51 | 52.52 | 52.52 | 52.52 |
Details
Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales NBT Bancorp generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue NBT Bancorp retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare NBT Bancorp's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares NBT Bancorp has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against NBT Bancorp's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
NBT Bancorp stock margins
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NBT Bancorp Revenue per Share, Earnings per Share
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NBT Bancorp business model & stock analysis
NBT Bancorp SWOT Analysis
Strengths
1. Established Presence: NBT Bancorp Inc has a long history and established presence in the banking industry, which contributes to its brand recognition and customer trust.
2. Diversified Business Model: The company offers a wide range of financial products and services, including banking, financial planning, wealth management, and insurance. This diversification helps to mitigate risks and provides cross-selling opportunities.
3. Strong Asset Quality: NBT Bancorp Inc has a robust credit quality and loan portfolio performance, characterized by a low level of non-performing assets and a disciplined underwriting process.
Weaknesses
1. Geographic Concentration: NBT Bancorp Inc operates mainly in the northeastern United States, which makes it vulnerable to regional economic fluctuations and limited growth opportunities compared to national players.
2. Limited Market Share: The company faces competition from larger, well-established national banks, limiting its market share and growth potential.
3. Technology Investment: NBT Bancorp Inc may face challenges in keeping up with rapidly evolving technology advancements in the banking industry, potentially resulting in a disadvantage compared to more tech-focused competitors.
Opportunities
1. Acquisitions and Expansion: NBT Bancorp Inc can explore strategic acquisitions and expand its footprint to new markets, allowing for growth and diversification.
2. Digital Transformation: Investing in technology and digital solutions can enhance customer experience, improve operational efficiency, and attract younger, tech-savvy customers.
3. Enhancing Product Offerings: The company can develop and launch innovative products and services tailored to changing customer needs and preferences, staying ahead of competitors.
Threats
1. Competitive Landscape: NBT Bancorp Inc faces intense competition from larger national banks, regional banks, and emerging fintech players, which can challenge its market share and customer base.
2. Regulatory Changes: Adverse changes in government regulations, compliance requirements, or accounting standards can increase costs and hinder business operations.
3. Economic Factors: NBT Bancorp Inc's financial performance and growth can be influenced by macroeconomic factors such as interest rates, inflation, unemployment, and consumer spending patterns.
NBT Bancorp Employees
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NBT Bancorp Segments
NBT Bancorp Revenue by Segment
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NBT Bancorp Eulerpool Fair Value
Details
Fair Value Estimate
ⓘWhat Is Fair Value?
Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.
Earnings-Based Fair Value
Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.
Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021
Revenue-Based Fair Value
Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"
Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021
Dividend-Based Fair Value
Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.
Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021
How to Use This Chart
When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.
NBT Bancorp historical P/E ratio, EBIT multiple, and P/S ratio
NBT Bancorp annual returns
Details
Annual Return
ⓘWhat This Chart Shows
This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
NBT Bancorp shares outstanding
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NBT Bancorp stock splits
NBT Bancorp Dividend History
35 years of dividend payments · 10 consecutive increases
NBT Bancorp dividend history and estimates
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NBT Bancorp dividend payout ratio
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Current NBT Bancorp forecasts and price targets in August 2026
Analyst Price Targets 2026NBT Bancorp Analyst Rating Actions
| Date | Firm | Action | Rating | Reliability |
|---|---|---|---|---|
| 7/30/2026 | Downgrade | OverweightEqual Weight | – | |
| 7/29/2026 | Maintained | Buy | – | |
| 6/26/2026 | Maintained | Overweight | 51 | |
| 4/27/2026 | Maintained | Buy | – | |
| 7/31/2025 | Maintained | Buy | – | |
| 4/28/2025 | Maintained | Buy | – | |
| 12/4/2024 | Maintained | Market Perform | – | |
| 9/10/2024 | Maintained | Equal Weight | – | |
| 7/23/2024 | Maintained | Overweight | – | |
| 4/24/2024 | Maintained | Market Perform | – |
Eulerpool Reliability Score (0–100): measures how often a firm’s bullish or bearish calls were directionally correct three months later, blended with the average return following its calls. Every rating we record is stored permanently and scores update continuously; firms with fewer than 3 measured calls are not scored yet.
NBT Bancorp Earnings Calls
NBT Bancorp Earnings Estimates & Surprises
| Date | EPS estimate | EPS Actual | Revenue Estimate | Price reaction | Quarterly report |
|---|---|---|---|---|---|
| 7/27/2026 | 1.04USD | - | 192.34 MUSD | - | 2026 Q2 |
| 4/23/2026 | 1.00USD | - | 189.29 MUSD | - | 2026 Q1 |
| 1/26/2026 | 1.01USD | - | 187.43 MUSD | - | 2025 Q4 |
| 4/22/2024 | 0.77USD | - | 143.36 MUSD | - | 2024 Q1 |
| 1/22/2024 | 0.76USD | - | 141.88 MUSD | - | 2023 Q4 |
| 7/24/2023 | 0.95USD | - | 139.17 MUSD | - | 2023 Q2 |
| 4/24/2023 | 0.94USD | - | 137.15 MUSD | - | 2023 Q1 |
| 1/24/2023 | 0.95USD | - | 135.83 MUSD | - | 2022 Q4 |
| 10/25/2022 | 0.90USD | - | 131.93 MUSD | - | 2022 Q3 |
| 7/25/2022 | 0.86USD | - | 126.38 MUSD | - | 2022 Q2 |
EESG©
Eulerpool ESG Scorecard© for the NBT Bancorp stock
EEnvironment
20
Environment
SSocial
20
Social
GGovernance (Corporate Governance)
4
Governance (Corporate Governance)
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NBT Bancorp shareholder structure
| % | Name |
|---|---|
14.14390% | |
6.64218% | |
4.75209% | |
4.45523% | |
4.30641% | |
2.54164% |
NBT Bancorp Beneficial Ownership Filings (SEC 13D/G)
NBT Bancorp Executives and Management Board
17 members · avg. age 62 · 29 % women
Mr. Scott Kingsley (60)
President, Chief Executive Officer
2.44 M USD
Management
Mr. Joseph Stagliano (56)
Executive Vice President, President of NBT Bank, N.A. and Chief Information Officer
Ms. Amy Wiles (66)
Executive Vice President, Chief Credit Officer and Chief Risk Officer
Ms. Ruth Mahoney (57)
Executive Vice President, President - Wealth Management and Regional President for the Capital District, North Country and Hudson Valley
Ms. Annette Burns (52)
Chief Financial Officer, Executive Vice President
Mr. M. Randolph Sparks (65)
Corporate Secretary
Board of Directors
Mr. John Watt (66)
Vice Chairman of the Board · since 2016
Mr. Martin Dietrich (69)
Independent Chairman of the Board · since 1998
Mr. Matthew Salanger (69)
Lead Independent Director
Mr. Andrew Kowalczyk (68)
Independent Director
Ms. Johanna Ames (48)
Independent Director
Mr. Timothy Delaney (62)
Independent Director
NBT Bancorp Supply Chain
NBT Bancorp Supply Chain
Correlation: how closely stock prices move together
| # | Name | Trend | |||
|---|---|---|---|---|---|
| 1 | 0.48 | 0.11 | 0.58 |
Frequently asked questions about NBT Bancorp
The business model of NBT Bancorp Inc is focused primarily on providing banking and financial services to individuals, businesses, and organizations. NBT Bancorp offers a wide range of products and services, including personal and business banking, loans, mortgages, investment services, insurance, and wealth management. With a strong emphasis on customer satisfaction and community banking, NBT Bancorp aims to support the financial needs and goals of its customers while contributing to the growth and development of the communities it serves.
NBT Bancorp Inc is primarily active in the financial services industry.
The main competitors of NBT Bancorp Inc in the market are other regional banks such as M&T Bank Corporation, KeyCorp, and Webster Financial Corporation. These banks operate in similar markets and offer a range of financial services, including commercial banking, retail banking, and wealth management. NBT Bancorp Inc competes with these companies for market share, customers, and investments within the banking industry.
NBT Bancorp Inc, founded in 1856, is a leading financial services company based in Norwich, New York. With a rich history spanning over 165 years, NBT Bancorp Inc has grown to become a trusted provider of banking and financial solutions in the Northeastern United States. The company operates through its subsidiaries, NBT Bank, N.A., and NBT Financial Services, offering a comprehensive range of services including commercial banking, wealth management, and insurance. NBT Bancorp Inc's commitment to excellence and customer satisfaction has driven its growth and success over the years, making it a reliable choice for individuals and businesses seeking personalized financial solutions.
NBT Bancorp Inc has achieved several significant milestones since its establishment. The company has consistently shown strong financial performance, demonstrating steady growth in assets and revenue over the years. NBT Bancorp Inc has expanded its market presence through strategic acquisitions, further strengthening its position in the banking and financial services industry. With a customer-centric approach, it has successfully built lasting relationships and gained the trust of its clients. The company's commitment to community involvement and corporate responsibility is commendable, contributing to positive social impact. NBT Bancorp Inc's dedication to excellence, continuous innovation, and prudent risk management have enabled it to establish itself as a leading player in the market.
NBT Bancorp Inc is primarily present in the United States.
NBT Bancorp Inc represents a set of core values and corporate philosophy that guide its operations. The company prioritizes integrity, professionalism, and community involvement. NBT strives to build strong relationships with its customers, providing exceptional customer service while upholding ethical standards. With a focus on long-term sustainable growth, NBT emphasizes prudent risk management and making sound financial decisions. By actively supporting local communities, NBT embodies a commitment to making a positive impact and fostering economic development. Through its values and corporate philosophy, NBT Bancorp Inc aims to be a trusted financial partner, contributing to the success of its customers and communities.
Analysts currently set an average price target of 49.47 USD for the NBT Bancorp stock (median: 49.47 USD), implying -6.5 % versus the latest price. The consensus is based on 12 analyst ratings.
12 analysts currently rate the NBT Bancorp stock: 8 recommend buying, 4 holding and 0 selling. For 2026, analysts expect NBT Bancorp to generate revenue of 762.09 M USD and earnings per share of 4.17 USD.
Converted at the current exchange rate, the NBT Bancorp share trades at 45.80 EUR (52.91 USD).
The NBT Bancorp share (NBTB) is listed on 1 stock exchanges, including: NASDAQ (NBTB).
NBT Bancorp Inc is a diversified financial services company that focuses on the North American market. Its business model is based on offering a wide range of financial services to individual customers, small and medium-sized businesses, and institutional customers. The products offered by NBT Bancorp include deposit products such as savings accounts, checking accounts, time deposits, money market accounts, and certificates, as well as loans in the form of mortgage loans, auto loans, personal loans, and small business loans. In addition, the company also provides asset management services, including investment and advisory services, as well as retail services such as online banking, mobile banking, and e-banking. To strengthen its product range and expand its customer offering, NBT Bancorp has carried out a number of important acquisitions, mergers, and takeovers. One of the most significant acquisitions was the acquisition of Alliance Financial Corporation in 2013. This acquisition made NBT Bancorp one of the largest financial service providers in the New York region and enabled the company to expand its product range and provide better service to its customers. NBT Bancorp is divided into three major business segments, which allow it to cover a wide range of customer needs. 1. Retail Banking: This business segment aims to meet the needs of retail customers. This includes deposit products, loans, as well as banking and financial services. NBT Bancorp focuses on building strong connections with its customers by addressing their needs and emphasizing high service quality, convenience, and reliability. 2. Business Banking: This business segment is focused on the needs of small and medium-sized businesses, providing support and advice for business expansion and growth. NBT Bancorp's business banking solutions include business financing, management consulting, liquidity management, and other products and services that enable businesses to more effectively pursue their financial goals. 3. Wealth Management: This business segment offers a wide range of investment and asset management solutions to high-net-worth individuals and institutional clients. NBT Bancorp takes a holistic approach to wealth management, focusing on the needs and goals of each individual client. In summary, NBT Bancorp's business model is based on providing financial services to a wide range of customers in North America. The company has expanded its product range over the years and built a strong presence in the industry through acquisitions and takeovers. With three main business segments - retail banking, business banking, and wealth management - NBT Bancorp is well positioned to effectively serve its customers and help them achieve their financial goals.
The expected revenue of NBT Bancorp is 762.09 M USD. This figure is based on current financial data and reflects the company's business performance.
The expected profit of NBT Bancorp is 218.95 M USD. The net profit reflects the company's profitability after deducting all expenses.
The price-to-earnings ratio (P/E) of NBT Bancorp is currently 12.69. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the NBT Bancorp stock.
The price-to-sales ratio (P/S) of NBT Bancorp is currently 3.65. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the NBT Bancorp stock.
The Eulerpool Quality Score for NBT Bancorp is 6/10.
The ISIN of NBT Bancorp is US6287781024. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.
The WKN of NBT Bancorp is 923685. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.
The ticker of NBT Bancorp is NBTB. The ticker symbol is used to trade NBT Bancorp shares on the stock exchange.
Over the past 12 months, NBT Bancorp paid a dividend of 1.42 USD . This corresponds to a dividend yield of about 2.68 %. For the coming 12 months, NBT Bancorp is expected to pay a dividend of 1.61 USD.
The current dividend yield of NBT Bancorp is 2.68 %.
NBT Bancorp pays a dividend, distributed in the months of , , , .
NBT Bancorp paid dividends every year for the past 34 years.
For the upcoming 12 months, dividends amounting to 1.61 USD are expected. This corresponds to a dividend yield of 3.01 %.
NBT Bancorp is assigned to the 'Finance' sector.
To receive the latest dividend of NBT Bancorp from amounting to 0.4 USD, you needed to have the stock in your portfolio before the ex-date on .
The last dividend was paid out on .
In the year 2025, NBT Bancorp distributed 1.32 USD as dividends.
The dividends of NBT Bancorp are distributed in USD.
NBT Bancorp stock
NBT Bancorp Peer Group
NBT Bancorp Ticker
NBT Bancorp FIGI
All fundamentals and in-depth analysis of NBT Bancorp
Our stock analysis for NBT Bancorp stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of NBT Bancorp. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.