NBTB
NBT Bancorp Inc.
Price Chart
Latest Quote
$48.10
+0.81 (+1.71%)
Current Price
| Previous Close | $47.29 |
| Open | $47.14 |
| Day High | $48.18 |
| Day Low | $46.83 |
| Volume | 241,450 |
Stock Information
| Quarterly Dividend / Yield | $1.48 / 3.08% |
| Shares Outstanding | 52.01M |
| Quarterly Dividend Yield | 3.08% |
| Quarterly Dividend | $1.48 |
| Total Debt | $365.59M |
| Cash Equivalents | $784.30M |
| Revenue | $696.57M |
| Net Income | $183.63M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $2.50B |
| P/E Ratio | 13.59 |
| EPS (TTM) | $3.54 |
| Exchange | NMS |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $2.08B |
| Sales | $696.57M |
| Income | $183.63M |
| Book/sh | $36.81 |
| Cash/sh | $15.08 |
| Employees | 2K |
Financial Ratios
| EPS Growth TTM | 39.20% |
Returns & Margins
| ROA | 1.22% |
| ROE | 10.55% |
| Operating Margin | 40.60% |
| Profit Margin | 26.36% |
Ownership
| Insider Ownership | 2.85% |
| Institutional Ownership | 65.50% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 10.59 |
| PEG | 2.66 |
| P/S | 3.59 |
| P/B | 1.31 |
Analyst Data
| Recommendation | none |
| Target Price | $48.92 |
Technical Indicators
| SMA20 | $46.66 |
| SMA50 | $45.34 |
| SMA200 | $42.70 |
| RSI | 58.90 |
| ATR | 1.1457 |
| Shares Float | 50.99M |
| Short Float | 4.21% |
| Short Ratio | 5.25 |
| Volatility | 0.50 |
| Rel Volume | 0.78 |
Performance History
| Week | +1.46% |
| Month | +5.73% |
| Quarter | +15.48% |
| 6 Months | +10.01% |
| YTD | +17.60% |
| Year | +25.32% |
| 3 Years | +51.68% |
| 5 Years | +46.86% |
| 10 Years | +133.40% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-23 | $48.10 | 255,900 |
| 2026-06-22 | $47.29 | 315,100 |
| 2026-06-18 | $46.68 | 662,900 |
| 2026-06-17 | $46.35 | 359,100 |
| 2026-06-16 | $47.30 | 388,200 |
| 2026-06-15 | $47.41 | 357,400 |
| 2026-06-12 | $48.18 | 222,600 |
| 2026-06-11 | $47.67 | 240,700 |
| 2026-06-10 | $47.47 | 245,200 |
| 2026-06-09 | $47.21 | 461,300 |
| 2026-06-08 | $46.24 | 254,900 |
| 2026-06-05 | $46.41 | 382,200 |
| 2026-06-04 | $46.43 | 289,700 |
| 2026-06-03 | $44.79 | 413,300 |
| 2026-06-02 | $46.49 | 369,200 |
| 2026-06-01 | $45.51 | 417,100 |
| 2026-05-29 | $45.87 | 324,700 |
| 2026-05-28 | $45.88 | 201,400 |
| 2026-05-27 | $45.72 | 197,900 |
| 2026-05-26 | $46.21 | 241,000 |
About NBT Bancorp Inc.
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.
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Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $694,391,000 | $574,441,000 | $517,779,000 | $515,121,000 |
| Operating Revenue | $694,391,000 | $574,441,000 | $517,779,000 | $515,121,000 |
| Expenses | ||||
| Interest Expense | $209,446,000 | $211,548,000 | $144,570,000 | $21,880,000 |
| Selling And Marketing Expense | $4,013,000 | $3,386,000 | $3,054,000 | $2,822,000 |
| General And Administrative Expense | $265,367,000 | $239,252,000 | $200,507,000 | $191,027,000 |
| Professional Expense And Contract Services Expense | $21,740,000 | $19,132,000 | $17,601,000 | $16,810,000 |
| Other Non Interest Expense | $83,718,000 | $72,323,000 | $74,764,000 | $61,647,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $169,235,000 | $140,641,000 | $118,782,000 | $151,995,000 |
| Net Interest Income | $501,546,000 | $400,122,000 | $378,219,000 | $362,190,000 |
| Interest Income | $710,992,000 | $611,670,000 | $522,789,000 | $384,070,000 |
| Normalized Income | $184,293,432 | $141,840,843 | $126,504,972 | $152,744,297 |
| Net Income From Continuing And Discontinued Operation | $169,235,000 | $140,641,000 | $118,782,000 | $151,995,000 |
| Net Income Common Stockholders | $169,235,000 | $140,641,000 | $118,782,000 | $151,995,000 |
| Net Income | $169,235,000 | $140,641,000 | $118,782,000 | $151,995,000 |
| Net Income Including Noncontrolling Interests | $169,235,000 | $140,641,000 | $118,782,000 | $151,995,000 |
| Net Income Continuous Operations | $169,235,000 | $140,641,000 | $118,782,000 | $151,995,000 |
| Pretax Income | $219,444,000 | $179,458,000 | $153,459,000 | $196,156,000 |
| Special Income Charges | $-19,526,000 | $-1,531,000 | $-9,978,000 | $-967,000 |
| Depreciation Amortization Depletion Income Statement | $11,944,000 | $8,443,000 | $4,734,000 | $2,263,000 |
| Depreciation And Amortization In Income Statement | $11,944,000 | $8,443,000 | $4,734,000 | $2,263,000 |
| Amortization Of Intangibles Income Statement | $11,944,000 | $8,443,000 | $4,734,000 | $2,263,000 |
| Per Share | ||||
| Diluted EPS | $3.33 | $2.97 | $2.65 | $3.52 |
| Basic EPS | $3.34 | $2.98 | $2.67 | $3.54 |
| Other | ||||
| Tax Effect Of Unusual Items | $-4,467,568 | $-331,157 | $-2,255,028 | $-217,703 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $-19,526,000 | $-1,531,000 | $-9,978,000 | $-967,000 |
| Total Unusual Items Excluding Goodwill | $-19,526,000 | $-1,531,000 | $-9,978,000 | $-967,000 |
| Reconciled Depreciation | $33,532,000 | $27,495,000 | $22,272,000 | $19,061,000 |
| Diluted Average Shares | $50,875,220 | $47,433,174 | $44,770,171 | $43,181,312 |
| Basic Average Shares | $50,669,162 | $47,194,966 | $44,487,640 | $42,936,441 |
| Diluted NI Availto Com Stockholders | $169,235,000 | $140,641,000 | $118,782,000 | $151,995,000 |
| Tax Provision | $50,209,000 | $38,817,000 | $34,677,000 | $44,161,000 |
| Restructuring And Mergern Acquisition | $19,526,000 | $1,531,000 | $9,978,000 | $967,000 |
| Gain On Sale Of Security | $148,000 | $2,789,000 | $-9,315,000 | $-1,131,000 |
| Amortization | $11,944,000 | $8,443,000 | $4,734,000 | $2,263,000 |
| Selling General And Administration | $269,380,000 | $242,638,000 | $203,561,000 | $193,849,000 |
| Insurance And Claims | $7,889,000 | $6,765,000 | $6,257,000 | $3,197,000 |
| Salaries And Wages | $257,478,000 | $232,487,000 | $194,250,000 | $187,830,000 |
| Occupancy And Equipment | $36,385,000 | $31,309,000 | $28,408,000 | $26,282,000 |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-22
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $1,385,282,000 | $1,127,118,000 | $1,023,397,000 | $885,009,000 |
| Total Assets | $15,995,121,000 | $13,786,666,000 | $13,309,040,000 | $11,739,296,000 |
| Goodwill And Other Intangible Assets | $510,934,000 | $399,023,000 | $402,294,000 | $288,545,000 |
| Other Intangible Assets | $57,656,000 | $36,360,000 | $40,443,000 | $7,341,000 |
| Cash And Cash Equivalents | $487,116,000 | $284,056,000 | $205,189,000 | $197,350,000 |
| Cash Financial | $185,158,000 | $205,083,000 | $173,811,000 | $166,488,000 |
| Cash Cash Equivalents And Federal Funds Sold | $487,116,000 | $284,056,000 | $205,189,000 | $197,350,000 |
| Debt | ||||
| Total Debt | $179,353,000 | $268,041,000 | $543,736,000 | $701,938,000 |
| Long Term Debt And Capital Lease Obligation | $179,353,000 | $252,041,000 | $250,736,000 | $202,938,000 |
| Long Term Debt | $179,353,000 | $252,041,000 | $250,736,000 | $202,938,000 |
| Current Debt And Capital Lease Obligation | $0 | $16,000,000 | $293,000,000 | $499,000,000 |
| Current Debt | $0 | $16,000,000 | $293,000,000 | $499,000,000 |
| Other Current Borrowings | $0 | $16,000,000 | $293,000,000 | $499,000,000 |
| Net Debt | - | - | $338,547,000 | $504,588,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $14,098,905,000 | $12,260,525,000 | $11,883,349,000 | $10,565,742,000 |
| Equity | ||||
| Common Stock Equity | $1,896,216,000 | $1,526,141,000 | $1,425,691,000 | $1,173,554,000 |
| Total Equity Gross Minority Interest | $1,896,216,000 | $1,526,141,000 | $1,425,691,000 | $1,173,554,000 |
| Stockholders Equity | $1,896,216,000 | $1,526,141,000 | $1,425,691,000 | $1,173,554,000 |
| Gains Losses Not Affecting Retained Earnings | $-82,596,000 | $-142,098,000 | $-160,934,000 | $-190,034,000 |
| Other Equity Adjustments | $-82,596,000 | $-142,098,000 | $-160,934,000 | $-190,034,000 |
| Retained Earnings | $1,196,850,000 | $1,100,209,000 | $1,021,831,000 | $958,433,000 |
| Other | ||||
| Treasury Shares Number | $6,880,200 | $6,779,975 | $6,864,593 | $6,793,670 |
| Ordinary Shares Number | $52,202,955 | $47,194,517 | $47,109,899 | $42,857,823 |
| Share Issued | $59,083,155 | $53,974,492 | $53,974,492 | $49,651,493 |
| Tangible Book Value | $1,385,282,000 | $1,127,118,000 | $1,023,397,000 | $885,009,000 |
| Invested Capital | $2,075,569,000 | $1,794,182,000 | $1,969,427,000 | $1,875,492,000 |
| Total Capitalization | $2,075,569,000 | $1,778,182,000 | $1,676,427,000 | $1,376,492,000 |
| Treasury Stock | $183,407,000 | $175,320,000 | $176,689,000 | $173,195,000 |
| Additional Paid In Capital | $964,778,000 | $742,810,000 | $740,943,000 | $577,853,000 |
| Capital Stock | $591,000 | $540,000 | $540,000 | $497,000 |
| Common Stock | $591,000 | $540,000 | $540,000 | $497,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Investments And Advances | $2,674,354,000 | $2,459,957,000 | $2,373,716,000 | $2,477,526,000 |
| Held To Maturity Securities | $671,218,000 | $842,921,000 | $905,267,000 | $919,517,000 |
| Available For Sale Securities | $1,829,870,000 | $42,372,000 | $37,591,000 | $30,784,000 |
| Goodwill | $453,278,000 | $362,663,000 | $361,851,000 | $281,204,000 |
| Net PPE | $99,277,000 | $80,840,000 | $80,675,000 | $69,047,000 |
| Accumulated Depreciation | $-181,068,000 | $-172,411,000 | $-162,817,000 | $-120,762,000 |
| Gross PPE | $280,345,000 | $253,251,000 | $243,492,000 | $189,809,000 |
| Machinery Furniture Equipment | $112,215,000 | $101,830,000 | $96,928,000 | $68,653,000 |
| Properties | $168,130,000 | $151,421,000 | $146,564,000 | $121,156,000 |
| Other Short Term Investments | $173,266,000 | $1,574,664,000 | $1,430,858,000 | $1,527,225,000 |
Fetched: 2026-06-22
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $218,916,000 | $176,825,000 | $148,203,000 | $176,214,000 |
| Operating Activities | ||||
| Operating Cash Flow | $235,218,000 | $188,567,000 | $157,457,000 | $183,223,000 |
| Cash Flow From Continuing Operating Activities | $235,218,000 | $188,567,000 | $157,457,000 | $183,223,000 |
| Operating Gains Losses | $-785,000 | $-2,991,000 | $9,159,000 | $1,009,000 |
| Investing Activities | ||||
| Capital Expenditure | $-16,302,000 | $-11,742,000 | $-9,254,000 | $-7,009,000 |
| Investing Cash Flow | $169,072,000 | $-399,160,000 | $-44,226,000 | $-926,216,000 |
| Cash Flow From Continuing Investing Activities | $169,072,000 | $-399,160,000 | $-44,226,000 | $-926,216,000 |
| Net Other Investing Changes | $11,228,000 | $13,379,000 | $4,624,000 | $-17,316,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-10,185,000 | $-251,000 | $-4,944,000 | $-14,713,000 |
| Financing Cash Flow | $-201,230,000 | $289,460,000 | $-105,392,000 | $-328,728,000 |
| Cash Flow From Continuing Financing Activities | $-201,230,000 | $289,460,000 | $-105,392,000 | $-328,728,000 |
| Net Other Financing Charges | $-4,414,000 | $-1,993,000 | $-1,877,000 | $-1,751,000 |
| Cash Dividends Paid | $-72,594,000 | $-62,263,000 | $-55,886,000 | $-49,765,000 |
| Common Stock Dividend Paid | $-72,594,000 | $-62,263,000 | $-55,886,000 | $-49,765,000 |
| Net Common Stock Issuance | $-10,185,000 | $-251,000 | $-4,944,000 | $-14,713,000 |
| Other | ||||
| Repayment Of Debt | $-144,664,000 | $-152,000 | $-118,000 | $-12,699,000 |
| Issuance Of Debt | $0 | $0 | $25,000,000 | $1,519,000 |
| Interest Paid Supplemental Data | $215,590,000 | $215,154,000 | $130,180,000 | $20,608,000 |
| Income Tax Paid Supplemental Data | $24,570,000 | $23,317,000 | $27,636,000 | $62,795,000 |
| End Cash Position | $487,116,000 | $284,056,000 | $205,189,000 | $197,350,000 |
| Beginning Cash Position | $284,056,000 | $205,189,000 | $197,350,000 | $1,269,071,000 |
| Changes In Cash | $203,060,000 | $78,867,000 | $7,839,000 | $-1,071,721,000 |
| Proceeds From Stock Option Exercised | $117,000 | $61,000 | $91,000 | $0 |
| Common Stock Payments | $-10,185,000 | $-251,000 | $-4,944,000 | $-14,713,000 |
| Net Issuance Payments Of Debt | $-202,537,000 | $-223,861,000 | $-206,861,000 | $476,037,000 |
| Net Short Term Debt Issuance | $-57,873,000 | $-223,709,000 | $-231,743,000 | $487,217,000 |
| Net Long Term Debt Issuance | $-144,664,000 | $-152,000 | $24,882,000 | $-11,180,000 |
| Long Term Debt Payments | $-144,664,000 | $-152,000 | $-118,000 | $-12,699,000 |
| Long Term Debt Issuance | $0 | $0 | $25,000,000 | $1,519,000 |
| Net Investment Purchase And Sale | $119,061,000 | $-61,753,000 | $253,951,000 | $-239,326,000 |
| Sale Of Investment | $685,663,000 | $314,488,000 | $341,984,000 | $391,276,000 |
| Purchase Of Investment | $-566,602,000 | $-376,241,000 | $-88,033,000 | $-630,602,000 |
| Net Business Purchase And Sale | $37,944,000 | $-1,383,000 | $44,564,000 | $-2,616,000 |
| Sale Of Business | $37,944,000 | - | $44,564,000 | - |
| Net PPE Purchase And Sale | $-16,302,000 | $-11,742,000 | $-9,254,000 | $-7,009,000 |
| Purchase Of PPE | $-16,302,000 | $-11,742,000 | $-9,254,000 | $-7,009,000 |
| Change In Working Capital | $-24,587,000 | $748,000 | $-27,907,000 | $11,932,000 |
| Change In Other Working Capital | $-24,587,000 | $748,000 | $-27,907,000 | $11,932,000 |
| Other Non Cash Items | $-4,105,000 | $-13,859,000 | $-8,373,000 | $-5,773,000 |
| Excess Tax Benefit From Stock Based Compensation | $-674,000 | $-295,000 | $-296,000 | $-288,000 |
| Stock Based Compensation | $5,281,000 | $5,992,000 | $5,102,000 | $4,530,000 |
| Asset Impairment Charge | $0 | $0 | $4,750,000 | $0 |
| Amortization Of Securities | $1,494,000 | $2,500,000 | $2,736,000 | $3,460,000 |
| Deferred Tax | $23,573,000 | $8,729,000 | $5,958,000 | $-19,850,000 |
| Deferred Income Tax | $23,573,000 | $8,729,000 | $5,958,000 | $-19,850,000 |
| Depreciation Amortization Depletion | $33,532,000 | $27,495,000 | $22,272,000 | $19,061,000 |
| Depreciation And Amortization | $33,532,000 | $27,495,000 | $22,272,000 | $19,061,000 |
| Amortization Cash Flow | $11,944,000 | $8,443,000 | $4,734,000 | $2,263,000 |
| Amortization Of Intangibles | $11,944,000 | $8,443,000 | $4,734,000 | $2,263,000 |
| Depreciation | $21,588,000 | $19,052,000 | $17,538,000 | $16,798,000 |
| Gain Loss On Investment Securities | $-148,000 | $-2,789,000 | $9,315,000 | $1,131,000 |
| Net Income From Continuing Operations | $169,235,000 | $140,641,000 | $118,782,000 | $151,995,000 |
| Purchase Of Business | - | $-1,383,000 | - | $-2,616,000 |
| Short Term Debt Payments | - | - | - | - |
Fetched: 2026-06-22