NBTB
NBT Bancorp Inc. NASDAQ Listed Mar 17, 1992$46.68
+0.71%
vs $46.35
Mkt Cap $2.4B
52w Low $39.27
83.2% of range
52w High $48.18
50d MA $45.49
200d MA $43.31
P/E (TTM)
14.0x
EV/EBITDA
9.8x
P/B
1.2x
Debt/Equity
0.2x
ROE
8.9%
P/FCF
10.8x
RSI (14)
52.40
ATR (14)
$1.06
Beta
0.47
50d MA
$45.49
200d MA
$43.31
Avg Volume
331.2K
NBT Bancorp Inc., a financial holding company, provides commercial banking, retail banking, and wealth management services. Its deposit products include demand deposit, savings, negotiable order of withdrawal, money market deposit, and certificate of deposit accounts. The company's loan portfolio comprises commercial and industrial, commercial real estate, agricultural, and commercial construction loans; indirect and direct consumer, home equity, mortgages, business banking loans, and commercial loans; and residential real estate loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan consulting and recordkeeping services. In addition, the company offers insurance products comprising personal property and casualty, business liability, and commercial insurance, as well as other products and services through 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. As of December 31, 2021, it had 140 branches and 164 ATMs in New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Connecticut, and Maine. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York.
52 South Broad Street · Norwich, NY 13815 · US
| Date | Time | Est | Rptd | Surp | Base | Gap% | D1% | D2% | D3% | D4% | D5% | Guide ▲★ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Apr 23, 2026 | AMC | 0.98 | 0.97 | -1.0% | 45.29 | -4.5% | -4.5% | +1.7% | +1.3% | -2.0% | +0.0% | — |
| Jan 26, 2026 | AMC | 0.99 | 1.05 | +6.1% | 43.91 | +0.7% | -1.1% | -1.8% | +3.5% | +0.7% | +2.2% | — |
| Oct 27, 2025 | AMC | 0.97 | 1.05 | +8.5% | 40.74 | +2.6% | +1.4% | -3.4% | +1.5% | -0.0% | +0.8% | — |
| Jul 28, 2025 | AMC | 0.82 | 0.88 | +7.3% | 41.47 | +3.0% | +3.8% | -2.0% | -1.9% | -2.0% | +1.1% | — |
| Apr 24, 2025 | AMC | 0.76 | 0.80 | +5.3% | 42.36 | +0.2% | +0.6% | -0.3% | +0.8% | -1.1% | +0.4% | — |
| Jan 27, 2025 | AMC | 0.78 | 0.77 | -1.3% | 48.70 | -2.0% | -5.4% | +2.0% | +1.4% | -0.1% | -2.1% | — |
| Oct 28, 2024 | AMC | 0.78 | 0.80 | +2.6% | 45.18 | -0.9% | +0.2% | +0.4% | -2.2% | +0.2% | -1.6% | — |
| Jul 22, 2024 | AMC | 0.69 | 0.69 | +0.0% | 45.87 | +0.1% | +8.1% | -2.6% | +2.3% | +0.9% | -2.6% | — |
| Apr 22, 2024 | AMC | 0.68 | 0.68 | +0.0% | 34.79 | +2.3% | +3.5% | -0.3% | -0.4% | +0.6% | -1.9% | — |
| Jan 23, 2024 | AMC | 0.75 | 0.72 | -4.0% | 39.22 | +0.3% | -3.3% | -2.5% | +0.1% | +2.6% | -2.3% | — |
| Oct 24, 2023 | AMC | 0.63 | 0.84 | +33.3% | 30.41 | +4.0% | +7.6% | +2.2% | -1.0% | +1.2% | -0.1% | — |
| Jul 31, 2023 | AMC | 0.77 | 0.80 | +3.9% | 37.20 | +0.1% | +0.8% | -1.0% | +0.0% | +0.1% | +0.8% | — |
| Date | Firm | Action | Grade | Target | Base | Open | Gap% | D1% | D2% | D3% | D4% | D5% |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Apr 27 | DA Davidson | Maintains | Buy → Buy | — | $43.25 | $43.19 | -0.1% | +1.7% | +1.3% | -2.0% | +0.0% | +1.2% |
| Apr 27 | Hovde Group | Reiterates | Market Perform | $46 | $43.25 | $43.19 | -0.1% | +1.7% | +1.3% | -2.0% | +0.0% | +1.2% |
| Jul 31 | DA Davidson | Maintains | Buy → Buy | — | $42.18 | $41.95 | -0.5% | -1.9% | -2.0% | +1.1% | -0.2% | -0.1% |
| Apr 28 | DA Davidson | Maintains | Buy → Buy | — | $42.60 | $42.56 | -0.1% | -0.3% | +0.8% | -1.1% | +0.4% | +2.1% |
| Dec 4 | Keefe, Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $49.02 | $49.03 | +0.0% | +2.0% | -0.8% | +0.9% | +0.4% | +1.4% |
| Sep 10 | Stephens & Co. | Maintains | Equal Weight → Equal Weight | — | $45.95 | $45.00 | -2.1% | -2.2% | -2.5% | +0.6% | +1.8% | +0.6% |
| Jul 23 | Stephens & Co. | Maintains | Overweight → Overweight | — | $45.87 | $45.92 | +0.1% | +8.1% | -2.6% | +2.3% | +0.9% | -2.6% |
| Apr 24 | Keefe, Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $36.02 | $35.32 | -1.9% | -0.3% | -0.4% | +0.6% | -1.9% | -0.7% |
| Apr 23 | Stephens & Co. | Maintains | Overweight → Overweight | — | $34.79 | $35.60 | +2.3% | +3.5% | -0.3% | -0.4% | +0.6% | -1.9% |
| Mar 21 | Janney Montgomery Scott | Upgrade | Neutral → Buy | — | $34.29 | $35.10 | +2.4% | +4.7% | -0.9% | +0.8% | -0.8% | +3.3% |
| Feb 14 | Stephens & Co. | Upgrade | Equal Weight → Overweight | — | $33.70 | $34.53 | +2.5% | +2.8% | +2.8% | -1.5% | -1.0% | -1.3% |
| Jan 25 | Piper Sandler | Maintains | Overweight → Overweight | — | $37.93 | $38.25 | +0.8% | -2.5% | +0.1% | +2.6% | -2.3% | -4.1% |
| Jan 25 | Keefe, Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $37.93 | $38.25 | +0.8% | -2.5% | +0.1% | +2.6% | -2.3% | -4.1% |
| Jan 5 | Raymond James | Maintains | Outperform → Outperform | — | $40.70 | $40.38 | -0.8% | -0.5% | +1.0% | -1.3% | -0.1% | -0.9% |
| Aug 15 | Piper Sandler | Maintains | Overweight → Overweight | — | $37.19 | $37.03 | -0.4% | -2.5% | -2.0% | +0.3% | +1.1% | -1.4% |
| Aug 2 | Raymond James | Maintains | Outperform → Outperform | — | $37.50 | $37.19 | -0.8% | -1.0% | +0.0% | +0.1% | +0.8% | -1.5% |
| Aug 1 | Stephens & Co. | Maintains | Equal Weight → Equal Weight | — | $37.20 | $37.24 | +0.1% | +0.8% | -1.0% | +0.0% | +0.1% | +0.8% |
| Jun 6 | Raymond James | Downgrade | Strong Buy → Outperform | — | $35.07 | $34.17 | -2.6% | +1.9% | +3.0% | -0.5% | -1.7% | -2.2% |
| Apr 6 | Raymond James | Maintains | Strong Buy → Strong Buy | — | $32.57 | $32.78 | +0.6% | +1.7% | +1.1% | +0.2% | -0.5% | +1.4% |
| Apr 6 | Keefe, Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $32.57 | $32.78 | +0.6% | +1.7% | +1.1% | +0.2% | -0.5% | +1.4% |
| Jul 28 | Piper Sandler | Upgrade | Neutral → Overweight | — | $33.58 | $35.06 | +4.4% | +2.6% | +1.3% | -0.2% | +0.7% | +2.2% |
| Sep 28 | Piper Sandler | Maintains | Neutral → Neutral | — | $26.67 | $26.93 | +1.0% | +1.9% | -1.5% | +0.2% | -0.3% | +2.0% |
| Jul 29 | Piper Sandler | Maintains | Neutral → Neutral | — | $29.71 | $29.81 | +0.3% | +3.6% | -2.0% | -1.2% | -0.5% | -0.4% |
| Jun 8 | Piper Sandler | Upgrade | Underweight → Neutral | — | $36.42 | $36.94 | +1.4% | +4.0% | +4.0% | -1.8% | -1.1% | +0.5% |
| Nov 17 | Boenning & Scattergood | Downgrade | Neutral → Underperform | — | $38.78 | $38.36 | -1.1% | -0.3% | +0.9% | -0.3% | +0.6% | +1.1% |
| Nov 16 | Piper Sandler | Downgrade | Neutral → Underweight | — | $39.69 | $38.70 | -2.5% | -2.3% | -0.3% | +0.9% | -0.3% | +0.6% |
| Jul 29 | Keefe, Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $29.96 | $29.91 | -0.2% | -0.5% | -0.2% | -0.5% | +1.0% | +0.3% |
| Jul 29 | Keefe Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $29.96 | $29.91 | -0.2% | -0.5% | -0.2% | -0.5% | +1.0% | +0.3% |
| Nov 4 | Keefe, Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $28.42 | $28.50 | +0.3% | +0.6% | +1.8% | +2.9% | -1.0% | +0.8% |
| Nov 4 | Keefe Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $28.42 | $28.50 | +0.3% | +0.6% | +1.8% | +2.9% | -1.0% | +0.8% |
| Jul 31 | Keefe, Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $26.97 | $27.08 | +0.4% | +0.2% | +0.3% | +0.1% | +0.8% | -0.8% |
| Jul 31 | Keefe Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $26.97 | $27.08 | +0.4% | +0.2% | +0.3% | +0.1% | +0.8% | -0.8% |
| Apr 29 | Keefe, Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $25.11 | $24.86 | -1.0% | -1.7% | -2.1% | -1.3% | +1.6% | -0.7% |
| Apr 29 | Keefe Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $25.11 | $24.86 | -1.0% | -1.7% | -2.1% | -1.3% | +1.6% | -0.7% |
| Oct 30 | Keefe, Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $25.36 | $25.30 | -0.2% | -0.5% | +1.8% | -1.2% | +0.6% | +0.2% |
| Oct 30 | Keefe Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $25.36 | $25.30 | -0.2% | -0.5% | +1.8% | -1.2% | +0.6% | +0.2% |
| Apr 24 | Guggenheim | Maintains | Neutral → Neutral | — | $21.10 | $21.04 | -0.3% | -0.7% | -0.9% | -0.3% | +1.6% | -2.4% |
| Date | Insider | Title | Type | Shares | Price | Value | Owned After | D1% | D5% |
|---|---|---|---|---|---|---|---|---|---|
| Jun 12, 2026 | Hoeller Heidi MDir | — | Sell | 2,100 | $48.03 | $101K | 11,560 | -1.60% | — |
| Jun 12, 2026 | Sparks Martin RandolphOff | EVP,General Counsel,Secretary | Sell | 1,200 | $48.04 | $58K | 14,462 | -1.60% | — |
| Jun 9, 2026 | WATT JOHN H JRDir | — | Sell | 21,000 | $47.42 | $996K | 54,010 | +0.42% | -2.01% |
| Jun 5, 2026 | Mahoney Ruth HOff | EVP/President of Wealth Mgmt | Sell | 5,000 | $46.60 | $233K | 16,427 | +2.10% | -1.60% |
8-K
NBT Bancorp Inc -- 8-K Filing
NBT Bancorp announced Scott A. Burns as Executive Vice President and Chief Financial Officer, a key leadership appointment signaling management continuity in the regional bank's financial operations.
Apr 23
8-K · 7.01
! Medium
NBT Bancorp Inc -- 8-K 7.01: Regulation FD Disclosure
NBT Bancorp released an investor presentation for management to use in upcoming meetings with investors and analysts, providing transparency into the company's strategic messaging and financial outlook.
Feb 10
Institutional (13F) — Top 20
All ↗
| # | Manager | Shares | Value | Chg | Period |
|---|---|---|---|---|---|
| 1 | Vanguard Portfolio Management Llc | 3,475,187 | $148M | New | Mar 2026 |
| 2 | Vanguard Capital Management Llc | 2,253,115 | $96M | New | Mar 2026 |
| 3 | Morgan Stanley | 1,071,826 | $45M | Added | Dec 2025 |
| 4 | Northern Trust Corp | 683,481 | $29M | Added | Mar 2026 |
| 5 | Victory Capital Management Inc | 669,852 | $29M | Added | Mar 2026 |
| 6 | Bank Of New York Mellon Corp | 452,917 | $19M | Reduced | Mar 2026 |
| 7 | Raymond James Financial Inc | 437,760 | $18M | Reduced | Mar 2026 |
| 8 | Nuveen, Llc | 372,060 | $16M | Added | Mar 2026 |
| 9 | Qube Research & Technologies Ltd | 295,187 | $13M | Added | Mar 2026 |
| 10 | Ceredex Value Advisors Llc | 268,250 | $11M | Reduced | Mar 2026 |
| 11 | Nbt Bank N A /ny | 260,470 | $11M | Added | Mar 2026 |
| 12 | Citadel Advisors Llc | 247,948 | $11M | Added | Mar 2026 |
| 13 | Principal Financial Group Inc | 249,340 | $10M | Reduced | Dec 2025 |
| 14 | Jpmorgan Chase & Co | 204,639 | $9M | Reduced | Mar 2026 |
| 15 | Ubs Group Ag | 186,219 | $8M | Added | Mar 2026 |
| 16 | Aqr Capital Management Llc | 172,610 | $7M | Added | Mar 2026 |
| 17 | Bank Of America Corp /de/ | 161,740 | $7M | — | Mar 2026 |
| 18 | Invesco Ltd. | 161,012 | $7M | Added | Mar 2026 |
| 19 | Proshare Advisors Llc | 156,906 | $7M | Added | Mar 2026 |
| 20 | Two Sigma Investments, Lp | 155,796 | $7M | Added | Mar 2026 |
Mutual Funds / ETFs (N-PORT) — Top 20
All ↗
Valuation
Market Cap
$2.37B
Enterprise Value
$2.37B
P/E (TTM)
14.02x
Forward P/E
11.17x
PEG Ratio
0.96x
P/B
1.16x
P/S
2.74x
P/FCF
10.85x
EV/EBITDA
9.83x
Shares Out
50.9M
Financials (TTM)
Revenue
$867.4M
Net Income
$169.2M
EBITDA
$241.0M
Free Cash Flow
$218.9M
Op Cash Flow
$235.2M
EPS Basic
$3.34
EPS Diluted
$3.33
EPS Forward
$4.18
Gross Margin
72.1%
Op Margin
25.3%
Net Margin
19.5%
Balance Sheet
Total Assets
$16.00B
Total Liab.
$14.10B
Total Equity
$1.90B
Cash
$185.2M
LT Debt
$179.4M
Book Value/Sh
$40.25
Debt/Equity
0.17x
Current Ratio
1.60
Quick Ratio
1.60
Returns & Growth
ROE
8.9%
ROA
1.1%
ROIC
1.1%
Rev Growth YoY
+10.4%
EPS Growth YoY
+12.1%
Price Returns
2W
+4.2%
1M
+5.8%
3M
+8.2%
6M
+11.5%
12M
+10.5%
Technicals
52W High
$48.18
52W Low
$39.27
50d MA
$45.49
200d MA
$43.31
RSI (14)
52.40
ATR (14)
$1.06
Beta
0.47
Avg Volume
331K
Dividends
Div Rate
$1.54
Div Yield
3.5%
Frequency
4
Ex-Div Date
Mar 2, 2026
Analyst Price Targets
Consensus
$46.00
High
$49.00
Low
$42.00
Median
$47.00
Data updated apr 26, 2026 2:23pm
· Source: financialmodelingprep.com