NBTB — NBT Bancorp Inc. stock price, charts and financials

NASDAQ·Financial Services·Banks - Regional·USA

Latest market price

52.91

+0.26+0.49%

Overview Short InterestFilings

NBTBQT72NBT Bancorp Inc.·NASDAQ

Overview Short InterestFilings

52.91+0.49%

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Signal & projected range

Insider selling clusterHistorical pattern — not a prediction

Recent priceDays this stock last showed the setupRange of past outcomes (±1σ)

Horizon

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Over the next 20 trading days, similar setups historically landed in a measured range of outcomes. Unlock with Premium to see the median return, the typical range, and how often they were positive. This is the historical range of outcomes — not a prediction of this stock’s price.

Ranges describe how this exact setup resolved in the past — derived from thousands of historical occurrences across QuoTrend’s coverage since 2006, survivorship-corrected to include companies that later delisted. The band is the typical spread (±1σ) of those outcomes, not a forecast; the central value is their average move. Fewer matching cases over longer horizons widen the band and lower its reliability. Backtested results are hypothetical, based on historical data, and do not represent actual trading. Past performance does not guarantee or predict future results. QuoTrend is an educational research tool, not investment advice. Markets involve risk, including loss of principal.

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WAFD+1.60%$37.36 FRME+1.14%$43.63 TRMK+1.20%$48.02 TBBK+5.86%$71.00 CUBI+2.38%$80.55 BBT+1.27%$31.91 BUSE+1.33%$31.27 FBNC+1.67%$63.92

Snapshot

Index	-	P/E	12.84	EPS (ttm)	4.10	Insider Own	2.97%	Shs Outstand	52.01M	Perf Week	0.52%

Market Cap	2.74B	Forward P/E	11.62	EPS next Y	4.53	Insider Trans	-3.21%	Shs Float	50.97M	Perf Month	4.78%

Enterprise Value	3.02B	PEG	0.29	EPS next Q	-	Inst Own	-	Short Float	3.51%	Perf Quarter	20.51%

Income	213.32M	P/S	2.90	EPS this Y	18.11%	Inst Trans	-	Short Ratio	5.39	Perf Half Y	19.36%

Sales	945.29M	P/B	1.41	EPS next Y	8.07%	ROA	1.32%	Short Interest	1.79M	Perf YTD	26.81%

Book/sh	-	P/C	11.16	EPS next 5Y	8.07%	ROE	11.26%	52W High	54.77 -3.39%	Perf Year	24.82%

Cash/sh	-	P/FCF	11.64	EPS past 3/5Y	-1.83% 7.04%	ROIC	1.32%	52W Low	39.39 34.31%	Perf 3Y	40.85%

Dividend Est.	1.60 (3.02%)	EV/EBITDA	10.33	Sales past 3/5Y	17.31% 12.04%	Gross Margin	76.57%	Volatility	2.92% 2.24%	Perf 5Y	59.74%

Dividend TTM	1.48 (2.80%)	EV/Sales	3.20	EPS Y/Y TTM	19.93%	Oper. Margin	29.34%	ATR (14)	1.22	Perf 10Y	79.33%

Dividend Ex-Date	Sep 01, 2026	Quick Ratio	0.59	Sales Y/Y TTM	18.83%	Profit Margin	22.65%	RSI (14)	59.83	Recom	2.70

Dividend Gr. 3/5Y	6.97% 5.63%	Current Ratio	0.59	EPS Q/Q	21.25%	SMA20	1.93%	Beta	0.49	Target Price	56.67

Payout	35.38%	Debt/Eq	0.24	Sales Q/Q	15.92%	SMA50	7.38%	Rel Volume	1.22	Prev Close	52.65

Employees	2,303	LT Debt/Eq	0.09	Earnings	Oct 26	SMA200	18.23%	Avg Volume	374.63K	Price	52.91

IPO Date	Mar 17, 1992	Option/Short	Yes / Yes	EPS/Sales Surpr.	-0.73% -0.42%	Net Debt/EBITDA	0.97	Volume	456,669	Change	0.49%

Analyst Ratings

Date	Action	Analyst	Rating	Target
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
Jun-08-17	Upgrade	PiperJaffray	Underweight → Neutral

Latest News

Jul-30-26

Jul-30-2604:13AM

Fifth Third Bancorp Grows Stake in NBT Bancorp Inc. $NBTBdefenseworld.net

04:13AM

Bank of New York Mellon Corp Has $19.29 Million Holdings in NBT Bancorp Inc. $NBTBdefenseworld.net

Jul-28-26

Jul-28-2601:13PM

NBT Bancorp Inc. (NBTB) Q2 2026 Earnings Call TranscriptSeekingAlpha

11:06AM

NBT Bancorp Q2 Earnings Call Highlightsmarketbeat.com

Jul-27-26

Jul-27-2608:01PM

Here's What Key Metrics Tell Us About NBT (NBTB) Q2 Earningszacks.com

07:06PM

NBT Bancorp (NBTB) Lags Q2 Earnings and Revenue Estimateszacks.com

04:15PM

NBT Bancorp Inc. Announces Second Quarter 2026 Results and Approves an 8.1% Cash Dividend Increaseglobenewswire.com

Jul-01-26

Jul-01-2609:00AM

NBT Bancorp Inc. Announces Date of Second Quarter Conference Callglobenewswire.com

Jun-26-26

Jun-26-2610:36AM

Piper Sandler Maintains Overweight on NBT Bancorp, Raises Price Target to $56Benzinga

Company

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.

Ownership

Per-holder 13F data hasn't been ingested for this ticker yet.

Financial Statements

DataTimeframe

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	945	867	786	662	537	495	491	507	465
Cost of Goods Sold Incl. D&A	222	242	231	170	39	11	84	81	67
Gross Profit	724	626	555	493	498	484	408	426	397
Selling, General and Administrative Excl. Other	160	87	243	204	194	178	167	186	183
Research and Development	0	0	0	0	0	0	0	0	0
Other Operating Expense	286	319	132	135	108	106	107	85	77
Operating Income	278	219	179	153	196	200	133	155	137
Interest Expense	206	209	212	145	22	19	33	56	39
Unusual Expense	—	—	—	—	—	—	—	—	—
Non-Operating Income (Expense)	206	209	212	145	22	19	33	56	39
Net Income Before Taxes	278	219	179	153	196	200	133	155	137
Income Taxes	63	50	39	35	44	45	29	34	24
Consolidated Net Income	214	169	141	119	152	155	104	121	113
Net Income From Continuing Operations	214	169	141	119	152	155	104	121	113
Net Income	214	169	141	119	152	155	104	121	113
EPS (Recurring)	4.10	3.34	2.98	2.67	3.54	3.57	2.39	2.76	2.58
EPS (Basic, Before Extraordinaries)	4.10	3.34	2.98	2.67	3.54	3.57	2.39	2.76	2.58
EPS (Diluted)	4.08	3.33	2.96	2.65	3.52	3.54	2.37	2.74	2.56
EBITDA	292	241	207	176	215	220	154	176	150
Other After Tax Adjustments	—	—	—	—	—	—	—	—	—
Stock Option Compensation Expense	—	—	—	—	—	—	—	—	—
Price To Earnings Ratio	12.97	12.47	16.14	15.82	12.34	10.88	13.54	14.80	13.51
Price To Sales Ratio	2.91	2.25	2.86	2.79	3.48	3.35	2.88	3.52	3.27
Gross Margin	76.61	72.20	70.61	74.47	92.74	97.78	83.10	84.02	85.38
Operating Margin	29.42	25.26	22.77	23.11	36.50	40.40	27.09	30.57	29.46
Net Margin	22.65	19.49	17.94	17.98	28.31	31.31	21.18	23.87	24.30
Shares Outstanding	52	47	47	44	43	43	44	44	44
Market Capitalization	2,751	1,951	2,245	1,844	1,867	1,656	1,412	1,785	1,522
Operating Lease Expense	—	—	—	—	—	—	—	—	—

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Insider Trading Volume

Insider Trading

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

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QuoTrend signals describe historical patterns and statistics — educational information, not investment advice or a recommendation to buy or sell. Past performance doesn’t guarantee future results. Every figure traces to QuoTrend data. Historical patterns — not a prediction or advice.