Symbols / NBTB Stock $46.41 -0.04% NBT Bancorp Inc.

Financial Services • Banks - Regional • United States • NMS
NBTB (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Scott A. Kingsley CPA
Exch · Country NMS · United States
Market Cap 2.41B
Enterprise Value 2.00B
Income 183.63M
Sales 696.57M
FCF (ttm) —
Book/sh 36.32
Cash/sh 15.08
Employees 2,303
Insider 10d —
IPO Mar 17, 1992
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 40.96%
P/E 13.11
Forward P/E 10.22
PEG 2.66
P/S 3.47
P/B 1.28
P/C —
EV/EBITDA —
EV/Sales 2.86
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 3.54
EPS next Y 4.54
EPS Growth 27.30%
Revenue Growth 21.60%
EPS Gr Q/Q 39.20%
Rev Gr Q/Q —
Earnings (next) 2026-04-23
Earnings (prior) 2026-04-23
ROA 1.22%
ROE 10.55%
ROIC —
Gross Margin 0.00%
Oper. Margin 40.60%
Profit Margin 26.36%
Shs Outstand 52.01M
Shs Float 50.98M
Insider Own 2.82%
Instit Own 65.44%
Short Float 3.99%
Short Ratio 5.15
Short Interest 1.52M
52W High 47.07
vs 52W High -1.40%
52W Low 39.20
vs 52W Low 18.39%
Beta 0.50
Impl. Vol. 74.61%
Rel Volume 1.40
Avg Volume 272.77K
Volume 382.17K
Target (mean) $48.92
Tgt Median $49.00
Tgt Low $46.50
Tgt High $52.00
# Analysts 6
Recom None
Prev Close $46.43
Price $46.41
Change -0.04%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$48.92
Mean price target
2. Current target
$46.41
Latest analyst target
3. DCF / Fair value
$53.10
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$46.41
Low
$46.50
High
$52.00
Mean
$48.92

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-27 main DA Davidson Buy → Buy $52
2026-02-25 init DA Davidson — → Buy $54
2025-07-31 main DA Davidson Buy → Buy $55
2025-04-28 main DA Davidson Buy → Buy $53
2024-12-12 init DA Davidson — → Neutral $60
2024-12-04 main Keefe, Bruyette & Woods Market Perform → Market Perform $55
2024-09-10 reit Stephens & Co. Equal-Weight → Equal-Weight $49
2024-07-23 reit Stephens & Co. Overweight → Overweight $42
2024-04-24 main Keefe, Bruyette & Woods Market Perform → Market Perform $39
2024-04-23 reit Stephens & Co. Overweight → Overweight $42
2024-03-21 up Janney Montgomery Scott Neutral → Buy $39
2024-02-14 up Stephens & Co. Equal-Weight → Overweight $42
2024-01-25 main Keefe, Bruyette & Woods Market Perform → Market Perform $41
2024-01-25 main Piper Sandler Overweight → Overweight $41
2024-01-05 main Raymond James Outperform → Outperform $45
2023-08-15 main Piper Sandler Overweight → Overweight $42
2023-08-02 main Raymond James Outperform → Outperform $40
2023-08-01 reit Stephens & Co. Equal-Weight → Equal-Weight $35
2023-06-06 down Raymond James Strong Buy → Outperform $38
2023-04-06 main Raymond James — → Strong Buy $47
News
RSS: Latest NBTB news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-05-19 ROBINSON VAN NESS DANIEL II Director — 1,050 $0.00 $0
2026-05-19 CANTELE RICHARD J JR Director — 1,050 $0.00 $0
2026-05-19 DELANEY TIMOTHY E Director — 1,050 $0.00 $0
2026-05-19 NASCA DAVID J Director — 1,050 $0.00 $0
2026-05-19 DIETRICH MARTIN A Director — 1,050 $0.00 $0
2026-05-19 WATT JOHN H JR Director — 1,050 $0.00 $0
2026-05-19 SALANGER MATTHEW J. Director — 1,050 $0.00 $0
2026-05-19 AMES JOHANNA R Director — 1,050 $0.00 $0
2026-05-19 BROWN JASON DAVID Director — 1,050 $0.00 $0
2026-05-19 HOELLER HEIDI M. Director — 1,050 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
694.39
+20.88%
574.44
+10.94%
517.78
+0.52%
515.12
Operating Revenue
694.39
+20.88%
574.44
+10.94%
517.78
+0.52%
515.12
Selling General And Administration
269.38
+11.02%
242.64
+19.20%
203.56
+5.01%
193.85
Selling And Marketing Expense
4.01
+18.52%
3.39
+10.87%
3.05
+8.22%
2.82
General And Administrative Expense
265.37
+10.92%
239.25
+19.32%
200.51
+4.96%
191.03
Salaries And Wages
257.48
+10.75%
232.49
+19.68%
194.25
+3.42%
187.83
Other Gand A
—
—
—
—
Reconciled Depreciation
33.53
+21.96%
27.50
+23.45%
22.27
+16.85%
19.06
Total Unusual Items
-19.53
-1175.38%
-1.53
+84.66%
-9.98
-931.85%
-0.97
Total Unusual Items Excluding Goodwill
-19.53
-1175.38%
-1.53
+84.66%
-9.98
-931.85%
-0.97
Special Income Charges
-19.53
-1175.38%
-1.53
+84.66%
-9.98
-931.85%
-0.97
Restructuring And Mergern Acquisition
19.53
+1175.38%
1.53
-84.66%
9.98
+931.85%
0.97
Net Income
169.24
+20.33%
140.64
+18.40%
118.78
-21.85%
152.00
Pretax Income
219.44
+22.28%
179.46
+16.94%
153.46
-21.77%
196.16
Net Interest Income
501.55
+25.35%
400.12
+5.79%
378.22
+4.43%
362.19
Interest Expense
209.45
-0.99%
211.55
+46.33%
144.57
+560.74%
21.88
Interest Income
710.99
+16.24%
611.67
+17.00%
522.79
+36.12%
384.07
Gain On Sale Of Security
0.15
-94.69%
2.79
+129.94%
-9.31
-723.61%
-1.13
Tax Provision
50.21
+29.35%
38.82
+11.94%
34.68
-21.48%
44.16
Tax Rate For Calcs
0.00
+5.78%
0.00
-4.29%
0.00
+0.39%
0.00
Tax Effect Of Unusual Items
-4.47
-1249.08%
-0.33
+85.31%
-2.26
-935.83%
-0.22
Net Income Including Noncontrolling Interests
169.24
+20.33%
140.64
+18.40%
118.78
-21.85%
152.00
Net Income From Continuing Operation Net Minority Interest
169.24
+20.33%
140.64
+18.40%
118.78
-21.85%
152.00
Net Income From Continuing And Discontinued Operation
169.24
+20.33%
140.64
+18.40%
118.78
-21.85%
152.00
Net Income Continuous Operations
169.24
+20.33%
140.64
+18.40%
118.78
-21.85%
152.00
Normalized Income
184.29
+29.93%
141.84
+12.12%
126.50
-17.18%
152.74
Net Income Common Stockholders
169.24
+20.33%
140.64
+18.40%
118.78
-21.85%
152.00
Diluted EPS
3.33
+12.12%
2.97
+12.08%
2.65
-24.72%
3.52
Basic EPS
3.34
+12.08%
2.98
+11.61%
2.67
-24.58%
3.54
Basic Average Shares
50.67
+7.36%
47.19
+6.09%
44.49
+3.61%
42.94
Diluted Average Shares
50.88
+7.26%
47.43
+5.95%
44.77
+3.68%
43.18
Diluted NI Availto Com Stockholders
169.24
+20.33%
140.64
+18.40%
118.78
-21.85%
152.00
Amortization
11.94
+41.47%
8.44
+78.35%
4.73
+109.19%
2.26
Amortization Of Intangibles Income Statement
11.94
+41.47%
8.44
+78.35%
4.73
+109.19%
2.26
Depreciation Amortization Depletion Income Statement
11.94
+41.47%
8.44
+78.35%
4.73
+109.19%
2.26
Depreciation And Amortization In Income Statement
11.94
+41.47%
8.44
+78.35%
4.73
+109.19%
2.26
Insurance And Claims
7.89
+16.61%
6.76
+8.12%
6.26
+95.71%
3.20
Occupancy And Equipment
36.38
+16.21%
31.31
+10.21%
28.41
+8.09%
26.28
Other Non Interest Expense
83.72
+15.76%
72.32
-3.26%
74.76
+21.28%
61.65
Professional Expense And Contract Services Expense
21.74
+13.63%
19.13
+8.70%
17.60
+4.71%
16.81
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
15,995.12
+16.02%
13,786.67
+3.59%
13,309.04
+13.37%
11,739.30
Cash And Cash Equivalents
487.12
+71.49%
284.06
+38.44%
205.19
+3.97%
197.35
Cash Financial
185.16
-9.72%
205.08
+17.99%
173.81
+4.40%
166.49
Other Short Term Investments
173.27
-89.00%
1,574.66
+10.05%
1,430.86
-6.31%
1,527.22
Net PPE
99.28
+22.81%
80.84
+0.20%
80.67
+16.84%
69.05
Gross PPE
280.35
+10.70%
253.25
+4.01%
243.49
+28.28%
189.81
Accumulated Depreciation
-181.07
-5.02%
-172.41
-5.89%
-162.82
-34.82%
-120.76
Properties
168.13
+11.03%
151.42
+3.31%
146.56
+20.97%
121.16
Machinery Furniture Equipment
112.22
+10.20%
101.83
+5.06%
96.93
+41.19%
68.65
Goodwill And Other Intangible Assets
510.93
+28.05%
399.02
-0.81%
402.29
+39.42%
288.55
Goodwill
453.28
+24.99%
362.66
+0.22%
361.85
+28.68%
281.20
Other Intangible Assets
57.66
+58.57%
36.36
-10.10%
40.44
+450.92%
7.34
Investments And Advances
2,674.35
+8.72%
2,459.96
+3.63%
2,373.72
-4.19%
2,477.53
Total Liabilities Net Minority Interest
14,098.91
+14.99%
12,260.52
+3.17%
11,883.35
+12.47%
10,565.74
Current Debt And Capital Lease Obligation
0.00
-100.00%
16.00
-94.54%
293.00
-41.28%
499.00
Current Debt
0.00
-100.00%
16.00
-94.54%
293.00
-41.28%
499.00
Other Current Borrowings
0.00
-100.00%
16.00
-94.54%
293.00
-41.28%
499.00
Long Term Debt And Capital Lease Obligation
179.35
-28.84%
252.04
+0.52%
250.74
+23.55%
202.94
Long Term Debt
179.35
-28.84%
252.04
+0.52%
250.74
+23.55%
202.94
Stockholders Equity
1,896.22
+24.25%
1,526.14
+7.05%
1,425.69
+21.48%
1,173.55
Common Stock Equity
1,896.22
+24.25%
1,526.14
+7.05%
1,425.69
+21.48%
1,173.55
Capital Stock
0.59
+9.44%
0.54
+0.00%
0.54
+8.65%
0.50
Common Stock
0.59
+9.44%
0.54
+0.00%
0.54
+8.65%
0.50
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
59.08
+9.46%
53.97
+0.00%
53.97
+8.71%
49.65
Ordinary Shares Number
52.20
+10.61%
47.19
+0.18%
47.11
+9.92%
42.86
Treasury Shares Number
6.88
+1.48%
6.78
-1.23%
6.86
+1.04%
6.79
Additional Paid In Capital
964.78
+29.88%
742.81
+0.25%
740.94
+28.22%
577.85
Retained Earnings
1,196.85
+8.78%
1,100.21
+7.67%
1,021.83
+6.61%
958.43
Gains Losses Not Affecting Retained Earnings
-82.60
+41.87%
-142.10
+11.70%
-160.93
+15.31%
-190.03
Treasury Stock
183.41
+4.61%
175.32
-0.77%
176.69
+2.02%
173.19
Other Equity Adjustments
-82.60
+41.87%
-142.10
+11.70%
-160.93
+15.31%
-190.03
Total Equity Gross Minority Interest
1,896.22
+24.25%
1,526.14
+7.05%
1,425.69
+21.48%
1,173.55
Total Capitalization
2,075.57
+16.72%
1,778.18
+6.07%
1,676.43
+21.79%
1,376.49
Invested Capital
2,075.57
+15.68%
1,794.18
-8.90%
1,969.43
+5.01%
1,875.49
Total Debt
179.35
-33.09%
268.04
-50.70%
543.74
-22.54%
701.94
Net Debt
—
—
338.55
-32.91%
504.59
Net Tangible Assets
1,385.28
+22.90%
1,127.12
+10.13%
1,023.40
+15.64%
885.01
Tangible Book Value
1,385.28
+22.90%
1,127.12
+10.13%
1,023.40
+15.64%
885.01
Available For Sale Securities
1,829.87
+4218.58%
42.37
+12.72%
37.59
+22.11%
30.78
Cash Cash Equivalents And Federal Funds Sold
487.12
+71.49%
284.06
+38.44%
205.19
+3.97%
197.35
Held To Maturity Securities
671.22
-20.37%
842.92
-6.89%
905.27
-1.55%
919.52
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
235.22
+24.74%
188.57
+19.76%
157.46
-14.06%
183.22
Cash Flow From Continuing Operating Activities
235.22
+24.74%
188.57
+19.76%
157.46
-14.06%
183.22
Net Income From Continuing Operations
169.24
+20.33%
140.64
+18.40%
118.78
-21.85%
152.00
Depreciation Amortization Depletion
33.53
+21.96%
27.50
+23.45%
22.27
+16.85%
19.06
Depreciation
21.59
+13.31%
19.05
+8.63%
17.54
+4.41%
16.80
Amortization Cash Flow
11.94
+41.47%
8.44
+78.35%
4.73
+109.19%
2.26
Depreciation And Amortization
33.53
+21.96%
27.50
+23.45%
22.27
+16.85%
19.06
Amortization Of Intangibles
11.94
+41.47%
8.44
+78.35%
4.73
+109.19%
2.26
Other Non Cash Items
-4.11
+70.38%
-13.86
-65.52%
-8.37
-45.04%
-5.77
Stock Based Compensation
5.28
-11.87%
5.99
+17.44%
5.10
+12.63%
4.53
Asset Impairment Charge
0.00
0.00
-100.00%
4.75
0.00
Deferred Tax
23.57
+170.05%
8.73
+46.51%
5.96
+130.02%
-19.85
Deferred Income Tax
23.57
+170.05%
8.73
+46.51%
5.96
+130.02%
-19.85
Operating Gains Losses
-0.79
+73.75%
-2.99
-132.66%
9.16
+807.73%
1.01
Gain Loss On Investment Securities
-0.15
+94.69%
-2.79
-129.94%
9.31
+723.61%
1.13
Change In Working Capital
-24.59
-3387.03%
0.75
+102.68%
-27.91
-333.88%
11.93
Change In Other Working Capital
-24.59
-3387.03%
0.75
+102.68%
-27.91
-333.88%
11.93
Investing Cash Flow
169.07
+142.36%
-399.16
-802.55%
-44.23
+95.23%
-926.22
Cash Flow From Continuing Investing Activities
169.07
+142.36%
-399.16
-802.55%
-44.23
+95.23%
-926.22
Net PPE Purchase And Sale
-16.30
-38.83%
-11.74
-26.89%
-9.25
-32.03%
-7.01
Purchase Of PPE
-16.30
-38.83%
-11.74
-26.89%
-9.25
-32.03%
-7.01
Capital Expenditure
-16.30
-38.83%
-11.74
-26.89%
-9.25
-32.03%
-7.01
Net Investment Purchase And Sale
119.06
+292.80%
-61.75
-124.32%
253.95
+206.11%
-239.33
Purchase Of Investment
-566.60
-50.60%
-376.24
-327.39%
-88.03
+86.04%
-630.60
Sale Of Investment
685.66
+118.03%
314.49
-8.04%
341.98
-12.60%
391.28
Net Business Purchase And Sale
37.94
+2843.60%
-1.38
-103.10%
44.56
+1803.52%
-2.62
Purchase Of Business
—
-1.38
—
-2.62
Net Other Investing Changes
11.23
-16.08%
13.38
+189.34%
4.62
+126.70%
-17.32
Financing Cash Flow
-201.23
-169.52%
289.46
+374.65%
-105.39
+67.94%
-328.73
Cash Flow From Continuing Financing Activities
-201.23
-169.52%
289.46
+374.65%
-105.39
+67.94%
-328.73
Net Issuance Payments Of Debt
-202.54
+9.53%
-223.86
-8.22%
-206.86
-143.45%
476.04
Issuance Of Debt
0.00
0.00
-100.00%
25.00
+1545.82%
1.52
Repayment Of Debt
-144.66
-95073.68%
-0.15
-28.81%
-0.12
+99.07%
-12.70
Long Term Debt Issuance
0.00
0.00
-100.00%
25.00
+1545.82%
1.52
Long Term Debt Payments
-144.66
-95073.68%
-0.15
-28.81%
-0.12
+99.07%
-12.70
Net Long Term Debt Issuance
-144.66
-95073.68%
-0.15
-100.61%
24.88
+322.56%
-11.18
Short Term Debt Payments
—
—
—
—
Net Short Term Debt Issuance
-57.87
+74.13%
-223.71
+3.47%
-231.74
-147.56%
487.22
Net Common Stock Issuance
-10.19
-3957.77%
-0.25
+94.92%
-4.94
+66.40%
-14.71
Common Stock Payments
-10.19
-3957.77%
-0.25
+94.92%
-4.94
+66.40%
-14.71
Common Stock Dividend Paid
-72.59
-16.59%
-62.26
-11.41%
-55.89
-12.30%
-49.77
Cash Dividends Paid
-72.59
-16.59%
-62.26
-11.41%
-55.89
-12.30%
-49.77
Repurchase Of Capital Stock
-10.19
-3957.77%
-0.25
+94.92%
-4.94
+66.40%
-14.71
Proceeds From Stock Option Exercised
0.12
+91.80%
0.06
-32.97%
0.09
0.00
Net Other Financing Charges
-4.41
-121.48%
-1.99
-6.18%
-1.88
-7.20%
-1.75
Changes In Cash
203.06
+157.47%
78.87
+906.08%
7.84
+100.73%
-1,071.72
Beginning Cash Position
284.06
+38.44%
205.19
+3.97%
197.35
-84.45%
1,269.07
End Cash Position
487.12
+71.49%
284.06
+38.44%
205.19
+3.97%
197.35
Free Cash Flow
218.92
+23.80%
176.82
+19.31%
148.20
-15.90%
176.21
Interest Paid Supplemental Data
215.59
+0.20%
215.15
+65.27%
130.18
+531.70%
20.61
Income Tax Paid Supplemental Data
24.57
+5.37%
23.32
-15.63%
27.64
-55.99%
62.80
Amortization Of Securities
1.49
-40.24%
2.50
-8.63%
2.74
-20.92%
3.46
Excess Tax Benefit From Stock Based Compensation
-0.67
-128.47%
-0.29
+0.34%
-0.30
-2.78%
-0.29
Sale Of Business
37.94
—
44.56
—
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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