| Index | — | P/E | 12.55 | EPS (ttm) | 4.16 | Insider Own | 2.98% | Shs Outstand | 51.96M | Perf Week | -1.29% |
| Market Cap | 2.71B | Forward P/E | 11.45 | EPS next Y | 4.56 | Insider Trans | -2.77% | Shs Float | 50.93M | Perf Month | 2.86% |
| Enterprise Value | 2.95B | PEG | 1.48 | EPS next Q | — | Short Float | 5.12% | Perf Quarter | -1.36% | ||
| Income | 218.00M | P/S | 2.85 | EPS this Y | 13.11% | Short Ratio | 7.76 | Perf Half Y | 18.05% | ||
| Sales | 951.00M | P/B | 1.40 | EPS next Y | 8.92% | ROA | 1.33% | Short Interest | 2.61M | Perf YTD | 25.70% |
| Book/sh | 37.37 | P/C | 12.61 | EPS next 5Y | 8.49% | ROE | 11.31% | 52W High | 54.50 -4.24% | Perf Year | 30.77% |
| Cash/sh | 4.14 | P/FCF | 11.02 | EPS past 3/5Y | -1.83% 7.04% | ROIC | 1.33% | 52W Low | 39.45 32.29% | Perf 3Y | 59.46% |
| Dividend Est. | 1.60 (3.07%) | EV/EBITDA | 8.23 | Sales past 3/5Y | 17.31% 12.04% | Gross Margin | 76.91% | Volatility | 2.04% 1.71% | Perf 5Y | 39.62% |
| Dividend TTM | 1.51 (2.89%) | EV/Sales | 3.11 | EPS Y/Y TTM | 36.84% | Oper. Margin | 29.58% | ATR (14) | 0.97 | Perf 10Y | 56.82% |
| Dividend Ex-Date | Dec 01, 2026 | Quick Ratio | 0.52 | Sales Y/Y TTM | 10.20% | Profit Margin | 22.87% | RSI (14) | 54.29 | Recom | 2.70 |
| Dividend Gr. 3/5Y | 6.97% 5.63% | Current Ratio | 0.52 | EPS Q/Q | 5.71% | SMA20 | 1.61% | Beta | 0.51 | Target Price | 57.67 |
| Payout | 35.45% | Debt/Eq | 0.24 | Sales Q/Q | 2.51% | SMA50 | 1.64% | Rel Volume | 0.93 | Prev Close | 52.97 |
| Employees | 2,303 | LT Debt/Eq | 0.02 | Earnings | Jan 25 | SMA200 | 9.41% | Avg Volume | 305.02K | Price | 52.19 |
| IPO Date | Mar 17, 1992 | Option/Short | Yes / Yes | EPS/Sales Surpr. | 1.44% 0.62% | Net Debt/EBITDA | 0.67 | Volume | 283,973 | Change | -1.47% |
| Date | Action | Analyst | Rating | Target |
|---|---|---|---|---|
| Oct-29-26 | Reiterated | D.A. Davidson | Buy | $59 → $62 |
| Jul-30-26 | Downgrade | Stephens & Co. | Overweight → Equal Weight | $42 → $55 |
| Jul-29-26 | Reiterated | DA Davidson | Buy | $59 |
| Jun-26-26 | Reiterated | Piper Sandler | Overweight | $47 → $56 |
| Oct-14-25 | Reiterated | Piper Sandler | Overweight | $47 |
| Mar-21-24 | Upgrade | Janney Montgomery Scott | Neutral → Buy | |
| Feb-14-24 | Upgrade | Stephens & Co. | Equal Weight → Overweight | $42 |
| Jun-06-23 | Downgrade | Raymond James | Strong Buy → Outperform | |
| Dec-21-22 | Initiated | Raymond James | $49 | |
| Jul-28-21 | Upgrade | Piper Sandler | Neutral → Overweight |
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.
Per-holder 13F data hasn't been ingested for this ticker yet.
| Line Item (USD, M) | TTM — | FY 2025 12/31/2025 | FY 2024 12/31/2024 | FY 2023 12/31/2023 | FY 2022 12/31/2022 | FY 2021 12/31/2021 | FY 2020 12/31/2020 | FY 2019 12/31/2019 | FY 2018 12/31/2018 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 951 | 867 | 786 | 662 | — | — | — | — | — | |
| Cost of Goods Sold Incl. D&A | 220 | 242 | 231 | 170 | — | — | — | — | — | |
| Gross Profit | 732 | 626 | 555 | 493 | — | — | — | — | — | |
| Selling, General and Administrative Excl. Other | 228 | 87 | 243 | 204 | — | — | — | — | — | |
| Research and Development | 0 | 0 | 0 | 0 | — | — | — | — | — | |
| Other Operating Expense | 222 | 319 | 132 | 135 | — | — | — | — | — | |
| Operating Income | 282 | 219 | 179 | 153 | — | — | — | — | — | |
| Interest Expense | 200 | 209 | 212 | 145 | — | — | — | — | — | |
| Unusual Expense | — | — | — | — | — | — | — | — | — | |
| Non-Operating Income (Expense) | 200 | 209 | 212 | 145 | — | — | — | — | — | |
| Net Income Before Taxes | 282 | 219 | 179 | 153 | — | — | — | — | — | |
| Income Taxes | 64 | 50 | 39 | 35 | — | — | — | — | — | |
| Consolidated Net Income | 218 | 169 | 141 | 119 | — | — | — | — | — | |
| Net Income From Continuing Operations | 218 | 169 | 141 | 119 | — | — | — | — | — | |
| Net Income | 218 | 169 | 141 | 119 | — | — | — | — | — | |
| EPS (Recurring) | 4.18 | 3.34 | 2.98 | 2.67 | — | — | — | — | — | |
| EPS (Basic, Before Extraordinaries) | 4.18 | 3.34 | 2.98 | 2.67 | — | — | — | — | — | |
| EPS (Diluted) | 4.16 | 3.33 | 2.96 | 2.65 | — | — | — | — | — | |
| EBITDA | 359 | 253 | 207 | 176 | — | — | — | — | — | |
| Other After Tax Adjustments | — | — | — | — | — | — | — | — | — | |
| Stock Option Compensation Expense | — | — | — | — | — | — | — | — | — | |
| Price To Earnings Ratio | 12.55 | 12.47 | 16.14 | 15.82 | — | — | — | — | — | |
| Price To Sales Ratio | 2.85 | 2.25 | 2.86 | 2.79 | — | — | — | — | — | |
| Gross Margin | 76.97 | 72.20 | 70.61 | 74.47 | — | — | — | — | — | |
| Operating Margin | 29.65 | 25.26 | 22.77 | 23.11 | — | — | — | — | — | |
| Net Margin | 22.92 | 19.49 | 17.94 | 17.98 | — | — | — | — | — | |
| Shares Outstanding | 52 | 47 | 47 | 44 | — | — | — | — | — | |
| Market Capitalization | 2,714 | 1,951 | 2,245 | 1,844 | — | — | — | — | — | |
| Operating Lease Expense | — | — | — | — | — | — | — | — | — |
| Insider | Relationship | Date | Transaction | Cost | #Shares | Value ($) | #Shares Total | SEC Form 4 |
|---|---|---|---|---|---|---|---|---|
| Mahoney Ruth H | EVP/President of Wealth Mgmt | Jul 29 '26 | Sale | 54.30 | 4,500 | 244,350 | 11,928 | Jul 30 |
| Halliday Sarah A | EVP/Chief Comm Innovation Off | Jul 29 '26 | Sale | 54.04 | 9,000 | 486,401 | 22,054 | Jul 30 |
| Hoeller Heidi M | Director | Jun 12 '26 | Sale | 48.03 | 2,100 | 100,874 | 11,560 | Jun 12 |
| Sparks Martin Randolph | EVP,General Counsel,Secretary | Jun 12 '26 | Sale | 48.04 | 1,200 | 57,650 | 14,463 | Jun 12 |
| WATT JOHN H JR | Director | Jun 09 '26 | Sale | 47.42 | 21,000 | 995,751 | 54,010 | Jun 10 |
| Mahoney Ruth H | EVP/President of Wealth Mgmt | Jun 05 '26 | Sale | 46.60 | 5,000 | 233,000 | 16,428 | Jun 08 |
| Sparks Martin Randolph | EVP,General Counsel,Secretary | Mar 13 '26 | Sale | 41.30 | 2,400 | 99,120 | 11,350 | Mar 17 |
| DELANEY TIMOTHY E | Director | Jan 28 '26 | Buy | 42.97 | 45,460 | 1,953,416 | 74,615 | Mar 13 |
| Wiles Amy | EVP, Chief Risk and Credit | Feb 17 '26 | Sale | 45.72 | 4,435 | 202,772 | 21,500 | Feb 18 |
| DELANEY TIMOTHY E | Director | Nov 06 '25 | Buy | 40.98 | 10,000 | 409,750 | 51,885 | Nov 07 |
| DELANEY TIMOTHY E | Director | Oct 31 '25 | Buy | 40.50 | 2,000 | 81,000 | 41,885 | Nov 03 |
| NASCA DAVID J | Director | Aug 13 '25 | Sale | 43.42 | 19,603 | 851,103 | 82,910 | Aug 15 |
| Brown Jason David | Director | Jun 03 '25 | Buy | 41.10 | 350 | 14,385 | 7,364 | Jun 04 |
| WATT JOHN H JR | Director | May 28 '25 | Sale | 42.02 | 7,869 | 330,678 | 116,027 | May 29 |
| Hoeller Heidi M | Director | May 06 '25 | Buy | 42.88 | 2,588 | 110,973 | 11,578 | May 07 |