NBT Bancorp (NBTB) Stock Price

NBT Bancorp Price

NASDAQ·CLOSED
52.91USD-0.44 (-0.82 %)
Market closed

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

Volume
Ex-Dividend
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.

NBT Bancorp Stock Price History
DateNBT Bancorp Price
8/6/202652.91 USD
8/5/202653.35 USD
8/4/202653.97 USD
8/3/202652.91 USD
7/31/202652.65 USD
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8/18/202542.33 USD
8/15/202542.15 USD
8/14/202543.08 USD
8/13/202543.44 USD
8/12/202542.86 USD
8/11/202540.94 USD
8/8/202540.97 USD
Access this data via the Eulerpool API

NBT Bancorp Revenue, Pre-Provision Profit, Net Income

  • 3 Years

  • 5 Years

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  • 25 Years

  • Max

Revenue
Pre-Provision Profit
Net Income
Details
Date
Revenue
Pre-Provision Profit
Net Income
Jan 1, 2020
458.66 M USD
129.76 M USD
104.39 M USD
Jan 1, 2021
475.97 M USD
188.67 M USD
154.89 M USD
Jan 1, 2022
515.12 M USD
210.62 M USD
152.00 M USD
Jan 1, 2023
560.13 M USD
218.46 M USD
118.78 M USD
Jan 1, 2024
574.44 M USD
196.56 M USD
140.64 M USD
Jan 1, 2025
657.99 M USD
212.65 M USD
169.24 M USD
Jan 1, 2026 (e)
762.09 M USD
0.00 USD
218.95 M USD
Jan 1, 2027 (e)
798.14 M USD
0.00 USD
234.35 M USD

NBT Bancorp Income Statement, Balance Sheet, Cash Flow Statement

Last updated Aug 8, 2026, 6:01 AM
 
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%
DIV.USD
DIV. GROWTH%
SHARESM
201220132014201520162017201820192020202120222023202420252026e2027e
324.00369.00378.00384.00399.00425.00464.00507.00491.00494.00537.00662.00785.00867.00762.00798.00
2.2113.892.441.593.916.529.189.27-3.160.618.7023.2818.5810.45-12.114.72
82.7285.6488.6290.1087.9786.5985.5684.0282.8997.9892.5574.3270.5772.0972.0972.09
268.00316.00335.00346.00351.00368.00397.00426.00407.00484.00497.00492.00554.00625.00549.31575.26
204.20238.10251.90252.61264.44283.49305.63311.56315.68321.09362.19378.83400.12501.55
87.30103.20126.00111.68112.26115.72120.55139.87142.98154.88152.93181.30174.32156.44
20.3022.4019.5018.3025.4031.0028.8025.40-8.3017.1025.2719.6132.25
97.60112.40131.80128.09140.80153.62161.57176.72129.76188.67210.62218.46196.56212.65
54.0061.0075.0076.0078.0082.00112.00121.00104.00154.00151.00118.00140.00169.00218.00234.00
-5.2612.9622.951.332.635.1336.598.04-14.0548.08-1.95-21.8518.6420.7128.997.34
0.800.811.260.870.900.920.991.051.081.101.161.241.321.421.521.61
1.2555.56-30.953.452.227.616.062.861.855.456.906.457.587.045.92
33.9944.1244.5444.0743.7044.0944.0644.1743.9743.5843.1547.3647.5152.5252.5252.52
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

The NBT Bancorp margin analysis displays the gross margin, EBIT margin, as well as the profit margin of NBT Bancorp. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for NBT Bancorp.
  • 3 Years

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  • Max

Cost-Income Ratio
Profit margin
Details
Date
Cost-Income Ratio
Profit margin
Jan 1, 2020
71.71 %
22.76 %
Jan 1, 2021
60.36 %
32.54 %
Jan 1, 2022
59.11 %
29.51 %
Jan 1, 2023
61.00 %
21.21 %
Jan 1, 2024
65.78 %
24.48 %
Jan 1, 2025
67.68 %
25.72 %
Jan 1, 2026 (e)
0.00 %
28.73 %
Jan 1, 2027 (e)
0.00 %
29.36 %

NBT Bancorp Revenue per Share, Earnings per Share

The NBT Bancorp earnings per share therefore indicates how much revenue NBT Bancorp has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
  • 3 Years

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  • Max

Revenue per Share
Earnings per Share
Details
Date
Revenue per Share
Earnings per Share
Jan 1, 2020
10.43 USD
2.37 USD
Jan 1, 2021
10.92 USD
3.55 USD
Jan 1, 2022
11.94 USD
3.52 USD
Jan 1, 2023
11.83 USD
2.51 USD
Jan 1, 2024
12.09 USD
2.96 USD
Jan 1, 2025
12.53 USD
3.22 USD
Jan 1, 2026 (e)
14.57 USD
4.18 USD
Jan 1, 2027 (e)
15.26 USD
4.48 USD

NBT Bancorp business model & stock analysis

NBT Bancorp Inc is an American company that operates in the finance sector. It is a holding company that owns various subsidiary companies operating in the banking sector. The company is headquartered in Norwich, New York, and was founded in 1856 under the name "The Bank of Norwich." Over time, the company expanded and acquired additional banks in the region, including "The First National Bank of Oxford" and "The Bank of Hamilton." These acquisitions have allowed NBT to expand its operations in the states of New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, and Maine. NBT Bancorp Inc's business model is based on providing a wide range of financial services to its customers. This includes deposit and loan products, investment services, trust and asset management, and insurance. The company also operates in other areas such as electronic and online banking, trust and asset management services, and private banking services. In addition to traditional banking services, NBT Bancorp Inc also offers investment and insurance services, including a comprehensive range of investment funds, bonds, and insurance. The company also provides card, payment, and treasury services to help customers manage their business and finances. The various divisions of NBT Bancorp Inc include business and retail banking, wealth management, insurance, and online banking. Business banking offers various financial services to businesses and organizations, such as accounts, loans, and cards. There are also specific solutions for specific industries, such as construction companies or nonprofit organizations. NBT Bancorp Inc's wealth management team offers a range of customized investment and asset management solutions for individual clients. As a financial advisor, the company provides individually tailored portfolios and financial planning services. The insurance division of NBT Bancorp Inc maintains partnerships with various insurers to provide a comprehensive range of insurance services. They cover both personal and business insurance, such as auto, home, business, and liability insurance. NBT Bancorp Inc also offers online banking services such as mobile banking, online banking, and mobile deposits for a faster and more convenient banking experience. Customers can conduct their banking transactions anytime and anywhere online. In conclusion, NBT Bancorp Inc is an established player in the US banking sector, offering a wide range of financial products and services to its customers. With its subsidiary companies and various divisions, the company is well-positioned to meet the diverse needs of its customers.

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

  • 3 Years

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  • Max

NBT Bancorp Employees
Details
Date
NBT Bancorp Employees
Jan 1, 2018
- Employees
Jan 1, 2019
- Employees
Jan 1, 2020
- Employees
Jan 1, 2021
- Employees
Jan 1, 2022
- Employees
Jan 1, 2023
- Employees
Jan 1, 2024
- Employees
Jan 1, 2025
- Employees

NBT Bancorp Segments

NBT Bancorp Revenue by Segment

  • 3 Years

  • 5 Years

  • Max

Retirement Plan Administration Fees
Wealth Management
Insurance and other financial services revenue primarily consists of commissions received on insurance and brokered investment product sales
ATM fees are primarily generated when a Company cardholder uses a non-Company ATM or a non-Company cardholder uses a Company ATM
Trust
Service Charges on Deposit Accounts
Insurance and other financial services revenue primarily consists of commissions received on insurance. The Company acts as an intermediary between the Company's customer and the insurance carrier
Other
Details
Date
Retirement Plan Administration Fees
Wealth Management
Insurance and other financial services revenue primarily consists of commissions received on insurance and brokered investment product sales
ATM fees are primarily generated when a Company cardholder uses a non-Company ATM or a non-Company cardholder uses a Company ATM
Trust
Service Charges on Deposit Accounts
Insurance and other financial services revenue primarily consists of commissions received on insurance. The Company acts as an intermediary between the Company's customer and the insurance carrier
Other
Jan 1, 2018
26.99 M USD
0.00 USD
24.35 M USD
22.70 M USD
19.52 M USD
17.22 M USD
0.00 USD
15.23 M USD
Jan 1, 2019
30.39 M USD
0.00 USD
25.01 M USD
23.89 M USD
19.16 M USD
17.15 M USD
0.00 USD
18.85 M USD
Jan 1, 2020
35.85 M USD
29.25 M USD
0.00 USD
25.96 M USD
0.00 USD
13.20 M USD
14.76 M USD
21.91 M USD
Jan 1, 2022
48.11 M USD
33.31 M USD
0.00 USD
29.06 M USD
0.00 USD
14.63 M USD
14.70 M USD
10.86 M USD
Jan 1, 2023
47.22 M USD
34.76 M USD
0.00 USD
20.83 M USD
0.00 USD
15.42 M USD
15.67 M USD
10.84 M USD
Jan 1, 2025
61.59 M USD
44.76 M USD
0.00 USD
23.99 M USD
0.00 USD
19.07 M USD
18.04 M USD
15.52 M USD

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

The number of shares of NBT Bancorp was 52.52 M in 2025. This indicates how many shares NBT Bancorp is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.
  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Number of stocks
Details
Date
Number of stocks
Jan 1, 2020
43.97 M Stocks
Jan 1, 2021
43.58 M Stocks
Jan 1, 2022
43.15 M Stocks
Jan 1, 2023
47.36 M Stocks
Jan 1, 2024
47.51 M Stocks
Jan 1, 2025
52.52 M Stocks
Jan 1, 2026 (e)
52.52 M Stocks
Jan 1, 2027 (e)
52.52 M Stocks

NBT Bancorp stock splits

In NBT Bancorp's history, there have been no stock splits.

NBT Bancorp Dividend History

35 years of dividend payments · 10 consecutive increases

YearAnnual DividendYoY ChangePayments
20261.14USDYTD
Mar 2, 20260.37USD 0.0%1/3
Jun 1, 20260.37USD 0.0%2/3
Sep 1, 2026Declared0.40USD 8.1%3/3
20251.42USD 7.6%
Mar 3, 20250.34USD 0.0%1/4
Jun 2, 20250.34USD 0.0%2/4
Aug 29, 20250.37USD 8.8%3/4
Dec 1, 20250.37USD 0.0%4/4
20241.32USD 6.5%
20231.24USD 6.9%
20221.16USD 5.5%
20211.10USD 1.9%
20201.08USD 2.9%
20191.05USD 6.1%
20180.99USD 7.6%
20170.92USD 2.2%

NBT Bancorp dividend history and estimates

In 2025, NBT Bancorp paid a dividend amounting to 1.42 USD. Dividend means that NBT Bancorp distributes a portion of its profits to its owners.
  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Dividend
Dividend (Estimate)
Details
Date
Dividend
Dividend (Estimate)
Jan 1, 2020
1.08 USD
0.00 USD
Jan 1, 2021
1.10 USD
0.00 USD
Jan 1, 2022
1.16 USD
0.00 USD
Jan 1, 2023
1.24 USD
0.00 USD
Jan 1, 2024
1.32 USD
0.00 USD
Jan 1, 2025
1.42 USD
0.00 USD
Jan 1, 2026 (e)
1.14 USD
0.38 USD
Jan 1, 2027 (e)
0.00 USD
1.61 USD

NBT Bancorp dividend payout ratio

In 2025, NBT Bancorp had a payout ratio of 44.07%. The payout ratio indicates the percentage of the company's profits that NBT Bancorp distributes as dividends.
  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Payout ratio
Details
Date
Payout ratio
Jan 1, 2020
45.50 %
Jan 1, 2021
30.95 %
Jan 1, 2022
32.93 %
Jan 1, 2023
49.44 %
Jan 1, 2024
44.59 %
Jan 1, 2025
44.07 %
Jan 1, 2026 (e)
36.32 %
Jan 1, 2027 (e)
35.84 %

Current NBT Bancorp forecasts and price targets in August 2026

Analyst Price Targets 2026
Δ MOM Price Target
3.19 %
Buy
66.67 % (8)
Hold
33.33 % (4)
Sell
0.00 % (0)
12M Price Target
49.47
Last Price
52.91
Currency
USD
12M Return Potential
-6.50 %
LTM Return
0 %

NBT Bancorp Analyst Rating Actions

DateFirmActionRatingReliability
7/30/2026
Stephens & Co.
Stephens & Co.
DowngradeOverweightEqual Weight
7/29/2026
DA Davidson
DA Davidson
MaintainedBuy
6/26/2026
Piper Sandler
Piper Sandler
MaintainedOverweight51
4/27/2026
DA Davidson
DA Davidson
MaintainedBuy
7/31/2025
DA Davidson
DA Davidson
MaintainedBuy
4/28/2025
DA Davidson
DA Davidson
MaintainedBuy
12/4/2024
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
MaintainedMarket Perform
9/10/2024
Stephens & Co.
Stephens & Co.
MaintainedEqual Weight
7/23/2024
Stephens & Co.
Stephens & Co.
MaintainedOverweight
4/24/2024
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
MaintainedMarket 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 Estimates & Surprises

DateEPS estimateEPS ActualRevenue EstimatePrice reactionQuarterly report
7/27/20261.04USD-192.34 MUSD-2026 Q2
4/23/20261.00USD-189.29 MUSD-2026 Q1
1/26/20261.01USD-187.43 MUSD-2025 Q4
4/22/20240.77USD-143.36 MUSD-2024 Q1
1/22/20240.76USD-141.88 MUSD-2023 Q4
7/24/20230.95USD-139.17 MUSD-2023 Q2
4/24/20230.94USD-137.15 MUSD-2023 Q1
1/24/20230.95USD-135.83 MUSD-2022 Q4
10/25/20220.90USD-131.93 MUSD-2022 Q3
7/25/20220.86USD-126.38 MUSD-2022 Q2
...

EESG©

Eulerpool ESG Scorecard© for the NBT Bancorp stock

73/100
57
Environment
80
Social
83
Governance
E

Environment

20
Scope 1 - Direct Emissions
Scope 2 - Indirect emissions from purchased energy
Scope 3 - Indirect emissions within the value chain
Total CO₂ emissions
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency
S

Social

20
Percentage of female employees
Percentage of women in management
Percentage of Asian employees
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic
G

Governance (Corporate Governance)

4
Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

NBT Bancorp shareholder structure

% Name
14.14390%
BLACKROCK, INC.
BLACKROCK, INC.
6.64218%
VANGUARD PORTFOLIO MANAGEMENT LLC
VANGUARD PORTFOLIO MANAGEMENT LLC
4.75209%
STATE STREET CORP
STATE STREET CORP
4.45523%
DIMENSIONAL FUND ADVISORS LP
DIMENSIONAL FUND ADVISORS LP
4.30641%
VANGUARD CAPITAL MANAGEMENT LLC
VANGUARD CAPITAL MANAGEMENT LLC
2.54164%
GEODE CAPITAL MANAGEMENT, LLC
GEODE CAPITAL MANAGEMENT, LLC
...

NBT Bancorp Beneficial Ownership Filings (SEC 13D/G)

Free Float
98.0%
Float Shares
-
Shares Outstanding
-
StakeHolderFiling
14.60%
(1) BlackRock, Inc.
(1) BlackRock, Inc.
SEC ↗
10.87%
The Vanguard Group - 23-1945930
The Vanguard Group - 23-1945930
SEC ↗
7.97%
BlackRock for purposes of Schedule 13G filings.
BlackRock for purposes of Schedule 13G filings.
SEC ↗
6.70%
Vanguard Portfolio Management
Vanguard Portfolio Management
SEC ↗
5.06%
Vanguard Capital Management
Vanguard Capital Management
SEC ↗

NBT Bancorp Executives and Management Board

17 members · avg. age 62 · 29 % women

SK

Mr. Scott Kingsley (60)

President, Chief Executive Officer

2.44 M USD

Management

JS

Mr. Joseph Stagliano (56)

Executive Vice President, President of NBT Bank, N.A. and Chief Information Officer

1.25 M USD
AW

Ms. Amy Wiles (66)

Executive Vice President, Chief Credit Officer and Chief Risk Officer

1.16 M USD
RM

Ms. Ruth Mahoney (57)

Executive Vice President, President - Wealth Management and Regional President for the Capital District, North Country and Hudson Valley

1.06 M USD
AB

Ms. Annette Burns (52)

Chief Financial Officer, Executive Vice President

954,797.00 USD
MS

Mr. M. Randolph Sparks (65)

Corporate Secretary

864,814.00 USD

Board of Directors

JW

Mr. John Watt (66)

Vice Chairman of the Board · since 2016

2.69 M USD
MD

Mr. Martin Dietrich (69)

Independent Chairman of the Board · since 1998

195,960.00 USD
MS

Mr. Matthew Salanger (69)

Lead Independent Director

148,474.00 USD
AK

Mr. Andrew Kowalczyk (68)

Independent Director

144,171.00 USD
JA

Ms. Johanna Ames (48)

Independent Director

140,384.00 USD
TD

Mr. Timothy Delaney (62)

Independent Director

137,056.00 USD

NBT Bancorp Supply Chain

NBT Bancorp Supply Chain

Correlation: how closely stock prices move together

Same directionNo relationOpposite
1 companies
#NameTrend
1
LendingClub
Customer·Consumer Finance·US
-0.45
-0.10
0.42
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.

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.