NBT Bancorp Inc.

NBT Bancorp Inc.

NBTB
NBT Bancorp Inc.US flagNASDAQ Global Select
46.49
USD
+0.98
- -
2.42BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
8.06
8.09
8.29
8.7
9.18
9.77
10.3
10.5
10.97
12
11.64
12.17
13.71
13.96
Basic EPS, GAAP
1.47
1.71
1.74
1.81
1.89
2.58
2.76
2.39
3.57
3.54
2.67
2.98
3.34
3.54
Free Cash Flow per Basic Share
2.84
2
2.83
2.55
3.15
3.22
3.35
3.14
3.49
4.1
3.33
3.75
4.32
4.42
Dividend per Share
0.8
0.84
0.87
0.9
0.92
0.99
1.05
1.08
1.1
1.16
1.26
1.32
1.43
1.46
Book Value per Share
9.2
9.67
10.54
11.59
12.52
14.25
15.89
17.16
19.75
22.33
22.98
23.32
23.64
23.7
Tangible Book Value per Share
12.52
13.22
13.63
14.59
15.57
16.68
19.01
20.5
22.15
20.61
23
23.88
27.35
27.12
Basic Weighted Avg Shares
42
44
44
43
43
44
44
44
43
43
44
47
51
52
Sales/Revenue/Turnover
339
355
364
377
399
426
451
459
476
515
518
574
694
724
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
13
13
14
13
13
13
20
21
20
19
22
27
34
36
Net Income, GAAP
62
75
76
78
82
113
121
104
155
152
119
141
169
184
Effective Tax Rate (%)
31.35
33.15
34.47
34
35.9
17.84
22.14
21.56
22.5
22.51
22.6
21.63
22.88
23.13
Profit Margin (%)
18.23
21.13
20.98
20.81
20.58
26.41
26.81
22.76
32.54
29.51
22.94
24.48
24.37
25.35
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
410
232
232
205
190
175
165
238
214
203
251
252
179
180
Total Equity
817
864
882
913
958
1,018
1,120
1,188
1,250
1,174
1,426
1,526
1,896
1,914
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
16.59
18.52
17.23
16.25
15.7
19.31
18.36
14.44
19.29
16.74
11.99
13.25
14.73
15.62

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
181
179
180
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
52
52
52
Market Capitalization
2,063
2,103
2,209

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
806
660
902
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
8.27%
10.38%
24.25%
Free Cash Flow
6.72%
10.8%
23.8%
Net Income, GAAP
10.15%
12.68%
20.33%
Sales/Revenue/Turnover
6.8%
8.87%
20.88%
Total Cash Common Dividend
6.76%
9.13%
16.59%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
140
140
147
148
574
2025
154
171
185
184
694
2026
184
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.72
0.69
0.81
0.76
2.98
2025
0.78
0.45
1.04
1.06
3.34
2026
0.98
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.32
0.32
0.34
0.34
1.32
2025
0.34
0.35
0.37
0.37
1.43
2026
0.37
- -
- -
- -
- -

Company Description

APIChat
CEO
Scott A. Kingsley
Full Time Employees
2,083
Sector
Financial Services
Industry
Banks - Regional
Address
52 South Broad Street Norwich NY United States of America 13815
IPO Date
Mar 17, 1992
Business
NBT Bancorp Inc. is a financial holding company that, through its primary subsidiary NBT Bank, N.A., provides commercial banking, retail banking, and wealth management services to individuals, businesses, and municipalities in the northeastern United States; deposit products include demand deposit, savings, negotiable order of withdrawal, money market deposit, and certificate of deposit accounts; loan products encompass indirect and direct consumer loans, home equity loans, mortgages, business banking loans, commercial and industrial loans, commercial real estate loans, agricultural loans, commercial construction loans, and residential real estate loans; additional services feature retirement plan administration, property management, passive investments, investment management, and financial consulting. NBT Bancorp operates more than 175 banking locations across New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Maine, and Connecticut, with headquarters in Norwich, New York, where its banking operations trace origins to the Bank of Norwich founded in 1856. In recent developments, NBT Bancorp completed the acquisition of Evans Bancorp on May 2, 2025, adding 18 branches in the Buffalo and Rochester areas to expand its footprint in western New York and boost total assets toward $16 billion; this follows the 2023 acquisition of Salisbury Bancorp for $204 million, which enhanced its presence in Connecticut and contributed to record third-quarter 2025 earnings of $54.5 million.

Company News

APIChat
  • NBT Bancorp Inc. Announces Cash Dividend

  • NBT Bancorp Inc. (NBTB) Q1 2026 Earnings Call Transcript

  • NBT (NBTB) Reports Q1 Earnings: What Key Metrics Have to Say

  • NBT Bancorp (NBTB) Q1 Earnings and Revenues Miss Estimates

  • NBT Bancorp Inc. Announces First Quarter 2026 Results

  • NBT Bancorp (NBTB) Earnings Expected to Grow: What to Know Ahead of Next Week's Release

  • Deprince Race & Zollo Inc. Sells 114,752 Shares of NBT Bancorp Inc. $NBTB

  • SG Americas Securities LLC Buys 47,550 Shares of NBT Bancorp Inc. $NBTB

  • Financial Planning Hawaii Inc. Purchases New Position in NBT Bancorp Inc. $NBTB

  • What Investors Should Know About NBT Bancorp Stock as One Insider Reports Selling $99K in Shares

  • Dynamic Technology Lab Private Ltd Sells 25,616 Shares of NBT Bancorp Inc. $NBTB

  • Comparing NBT Bancorp (NASDAQ:NBTB) and Valley National Bancorp (NASDAQ:VLY)

  • Why NBT Bancorp (NBTB) is a Great Dividend Stock Right Now

  • NBT Bancorp Inc. (NBTB) Q4 2025 Earnings Call Transcript

  • NBT (NBTB) Reports Q4 Earnings: What Key Metrics Have to Say

  • NBT Bancorp (NBTB) Tops Q4 Earnings and Revenue Estimates

  • Seeking Clues to NBT (NBTB) Q4 Earnings? A Peek Into Wall Street Projections for Key Metrics

  • SG Americas Securities LLC Has $1.02 Million Stock Holdings in NBT Bancorp Inc. $NBTB

  • Critical Contrast: Freedom Financial (OTCMKTS:FDVA) versus NBT Bancorp (NASDAQ:NBTB)

  • NBT Bancorp Inc. Announces Date of Fourth Quarter Conference Call