NBT Bancorp Inc.

NBT Bancorp Inc.

NNASDAQ:NBTB
54.00
USD
+1.39
(+2.64%)
4.08EPS
12.04P/E
2.57BMarket Cap
Jan 27Next Earn
NBT Bancorp Inc.
NASDAQ:NBTB
(Nasdaq Stock Market)

Recent

price

54.00

P/E

ratio

12.04

div

yld

2.74%

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
USD
8.24
8.26
8.63
8.06
8.09
8.29
8.7
9.18
9.77
10.3
10.5
10.97
12
11.64
12.17
13.7
- -
Revenue per Share
1.67
1.72
1.63
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
- -
Basic EPS, GAAP
2.41
2.19
2.65
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
- -
Free Cash Flow per Basic Share
0.8
0.8
0.8
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
1.11
Dividend per Share
15.46
16.23
17.24
18.77
19.69
20.31
21.11
22.01
23.31
25.58
27.22
28.97
27.38
30.26
32.34
36.32
- -
Book Value per Share
11.63
11.7
12.23
12.09
13.22
13.79
14.61
15.54
16.66
19.03
20.52
22.26
20.65
21.72
23.88
26.54
- -
Tangible Book Value per Share
34
34
33
42
44
44
43
43
44
44
44
43
43
44
47
51
52
Basic Weighted Avg Shares
283
278
289
339
355
364
377
399
426
451
459
476
515
518
574
694
- -
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
8
9
10
13
13
14
13
13
13
20
21
20
19
22
27
34
- -
Depreciation Expense
57
58
55
62
75
76
78
82
113
121
104
155
152
119
141
169
- -
Net Income, GAAP
26.7
26.87
29.49
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
- -
Effective Tax Rate (%)
20.26
20.83
18.88
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
- -
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
370
446
443
410
232
232
205
190
175
165
238
214
203
251
252
179
- -
LT Debt
534
538
582
817
864
882
913
958
1,018
1,120
1,188
1,250
1,174
1,426
1,526
1,896
- -
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
5.04
5.2
4.64
4.3
4.85
5.15
4.67
4.48
5.73
6.04
6.15
10.63
9.1
6.18
7.47
8.75
- -
Return on Capital (%)
11.05
10.81
9.74
8.83
8.93
8.75
8.73
8.78
11.39
11.32
9.05
12.71
12.54
9.14
9.53
9.89
- -
Return on Common Equity (%)

Capital Structure

USD

•

in mil. unless spec.
Mar'26
Jun'26
Sep'26
ST Debt
- -
157
- -
LT Borrowings
180
155
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
52
52
52
Market Capitalization
2,215
2,565
2,599

Working Capital

USD

•

in mil. unless spec.
Mar'26
Jun'26
Sep'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
902
496
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
157
- -
Deferred Revenue
- -
- -
- -

Growth Rates

USD

•

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

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
140
140
147
148
574
2025
154
171
185
184
694
2026
184
186
- -
- -
- -

Quarterly Earnings Per Share

USD

•

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
1.02
- -
- -
- -

Quarterly Dividends Per Share

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.32
0.32
0.34
0.34
1.32
2025
0.34
0.36
0.37
0.37
1.43
2026
0.37
0.37
- -
- -
- -
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

  • NBT Bancorp Q3 Earnings Call Highlights

  • NBT Bancorp Inc. (NBTB) Q3 2026 Earnings Call Transcript

  • NBT (NBTB) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

  • NBT Bancorp (NBTB) Q3 Earnings and Revenues Beat Estimates

  • NBT Bancorp Inc. Announces Record Third Quarter 2026 Results and Declares Cash Dividend

  • NBT Bancorp (NBTB) Reports Next Week: Wall Street Expects Earnings Growth

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

  • 124,971 Shares of NBT Bancorp Inc. $NBTB Bought by Bank of America Corp DE

  • Kimberly A. Boynton Named to NBT Board of Directors

  • Bank of America Corp DE Has $6.89 Million Holdings in NBT Bancorp Inc. $NBTB

  • NBT Bancorp Appears A Bit Pricey At The Moment

  • Executive Sells 9,000 Shares of Regional Bank, Valued at $486,400

  • NBT Bancorp Inc. $NBTB Shares Purchased by First Trust Advisors LP

  • Fifth Third Bancorp Grows Stake in NBT Bancorp Inc. $NBTB

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

  • NBT Bancorp Q2 Earnings Call Highlights

  • Here's What Key Metrics Tell Us About NBT (NBTB) Q2 Earnings

  • NBT Bancorp (NBTB) Lags Q2 Earnings and Revenue Estimates

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

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