NBT Bancorp/$NBTB
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About NBT Bancorp
NBT Bancorp Inc is a financial holding company that operates through its subsidiaries. The company's principal sources of revenue include management fees and dividends it receives through its subsidiaries. Its business, predominantly conducted through NBT Bank, consists of providing commercial banking, retail banking, and wealth management services to customers in its market area, which includes upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. The company's reportable segments are Banking and Retirement Plan Administration. A majority of its revenue is generated from the Banking segment.
Ticker
$NBTB
Sector
Primary listing
Employees
2,083
Headquarters
Website
NBT Bancorp Metrics
BasicAdvanced
$2.3B
15.82
$2.77
0.58
$1.36
3.10%
Price and volume
Market cap
$2.3B
Beta
0.58
52-week high
$52.44
52-week low
$37.31
Average daily volume
195K
Dividend rate
$1.36
Financial strength
Dividend payout ratio (TTM)
49.46%
Profitability
Net profit margin (TTM)
22.55%
Operating margin (TTM)
35.64%
Effective tax rate (TTM)
22.58%
Revenue per employee (TTM)
$280,000
Management effectiveness
Return on assets (TTM)
0.90%
Return on equity (TTM)
8.16%
Valuation
Price to earnings (TTM)
15.82
Price to revenue (TTM)
3.566
Price to book
1.22
Price to tangible book (TTM)
1.71
Price to free cash flow (TTM)
11.992
Free cash flow yield (TTM)
8.34%
Free cash flow per share (TTM)
3.659
Dividend yield (TTM)
3.10%
Forward dividend yield
3.10%
Growth
Revenue change (TTM)
14.42%
Earnings per share change (TTM)
7.37%
3-year revenue growth (CAGR)
6.33%
3-year earnings per share growth (CAGR)
-7.37%
10-year earnings per share growth (CAGR)
6.33%
3-year dividend per share growth (CAGR)
6.69%
10-year dividend per share growth (CAGR)
4.81%
Bulls say / Bears say
KBW has raised its price target for NBT Bancorp to $36 from $35, showing increased analyst confidence in the company’s earnings potential and margin growth (Reuters)
Net interest margin on a fully taxable equivalent basis increased to 3.59% in Q2 2025—up 15 basis points from the previous quarter and 41 basis points year-over-year—fueling a 15.9% quarter-over-quarter rise in net interest income to $124.2 million (GlobeNewswire)
On May 2, 2025, NBT Bancorp completed its merger with Evans Bancorp, adding $1.67 billion in loans and $1.86 billion in deposits from 18 new branches in Western New York, broadening and strengthening its deposit base (GlobeNewswire)
GAAP net income dropped 31% year-over-year to $22.5 million ($0.44 EPS) in Q2 2025, down from $32.7 million ($0.69 EPS) in Q2 2024, due to higher acquisition-related costs and expenses from integrating businesses (GlobeNewswire)
Provision for loan losses jumped to $17.8 million in Q2 2025, more than double the $7.6 million from Q1 2025. This increase was driven by credit provisions linked to acquisitions and a modestly worse economic outlook, indicating higher credit risk (GlobeNewswire)
Reported diluted EPS of $0.44 in Q2 2025 is significantly lower than operating diluted EPS of $0.88, highlighting the negative impact of one-time acquisition and merger expenses on profitability (GlobeNewswire)
Data summarised monthly by Lightyear AI. Last updated on 31 Aug 2025.
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.
Capital at risk
Upcoming events
Sept15
NBT Bancorp
Dividend·Payment
$0.37Per share
FAQs
What’s the current market cap for NBT Bancorp stock?
NBT Bancorp (NBTB) has a market cap of $2.3B as of September 05, 2025.
What is the P/E ratio for NBT Bancorp stock?
The price to earnings (P/E) ratio for NBT Bancorp (NBTB) stock is 15.82 as of September 05, 2025.
Does NBT Bancorp stock pay dividends?
Yes, the NBT Bancorp (NBTB) stock pays dividends to shareholders. As of September 05, 2025, the dividend rate is $1.36 and the yield is 3.1%. NBT Bancorp has a payout ratio of 49.46% on a trailing twelve-month basis.
When is the next NBT Bancorp dividend payment date?
The next NBT Bancorp (NBTB) dividend payment is scheduled for September 15, 2025.
What is the beta indicator for NBT Bancorp?
NBT Bancorp (NBTB) has a beta rating of 0.58. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.