NBT Bancorp/$NBTB
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Capital at risk
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
- Finance
- Primary listing
- NASDAQ
- Employees
- 2,303
- Headquarters
- Norwich, United States
- Website
- www.nbtbancorp.com
NBT Bancorp Metrics
BasicAdvanced
$2.7B
12.55
$4.16
0.49
$1.51
3.07%
Price and volume
Market cap
$2.7B
Beta
0.49
52-week high
$54.50
52-week low
$39.45
Average daily volume
318K
Dividend rate
$1.51
Financial strength
Profitability
Net profit margin (TTM)
29.74%
Operating margin (TTM)
41.66%
Effective tax rate (TTM)
22.68%
Revenue per employee (TTM)
$320,000
Management effectiveness
Return on assets (TTM)
1.34%
Return on equity (TTM)
11.47%
Valuation
Price to earnings (TTM)
12.545
Price to revenue (TTM)
3.712
Price to book
1.4
Price to tangible book (TTM)
1.88
Dividend yield (TTM)
2.89%
Forward dividend yield
3.07%
Growth
Revenue change (TTM)
16.25%
Earnings per share change (TTM)
37.77%
3-year revenue growth (CAGR)
14.41%
3-year earnings per share growth (CAGR)
13.47%
10-year earnings per share growth (CAGR)
8.86%
3-year dividend per share growth (CAGR)
7.37%
10-year dividend per share growth (CAGR)
5.43%
What the Analysts think about NBT Bancorp
Analyst ratings (Buy, Hold, Sell) for NBT Bancorp stock.
Analyst projections of the future price of NBT Bancorp stock.
Bulls say / Bears say
NBT posted record third-quarter earnings of $58.0 million, with diluted EPS up 7.8% year on year. Net interest margin rose to 3.78%, supporting further growth in net interest income. (SEC)
Loans grew 3.9% in the first nine months after excluding planned run-off portfolios, and management sees 3%–5% loan growth in 2027. New commercial loans carried a 6.41% yield, offering scope for higher returns as the book reprices. (The Motley Fool)
Fee income provides a meaningful counterweight to lending and interest-rate swings: it was 27% of revenue in the third quarter, while retirement-plan fees rose 8.7% year on year. That business mix gives NBT another source of growth beyond traditional banking. (SEC)
Credit metrics are worsening: nonperforming assets rose to 0.43% of assets from 0.33% at year-end, while allowance coverage of nonperforming loans fell to 200% from 267%. Further borrower deterioration could require higher provisions and weigh on earnings. (SEC)
Deposit pricing could limit margin gains: management said deposit beta this cycle may match or exceed the prior cycle, while elevated loan payoffs could slow growth. Some projects are also becoming less economical amid high borrowing costs. (Investing.com)
Expense growth may absorb some revenue gains: NBT expects another double-digit rise in employee medical costs in 2027, alongside 3%–3.5% merit increases and branch expansion. Management also expects fourth-quarter expenses to remain at a similar level to the third quarter. (The Motley Fool)
Data summarised monthly by Lightyear AI. Last updated on 29 Oct 2026.
NBT Bancorp Financial Performance
Revenues and expenses
NBT Bancorp Earnings Performance
Company profitability
Upcoming events
NBT Bancorp News
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Funds containing NBT Bancorp
AllUSDEURGBP
Fund name | Fund size | $NBTB weighting |
|---|---|---|
iShares S&P SmallCap 600$IDP6 | $3.2B | 0.15% |
iShares S&P Small Cap 600£ISP6 | $3.2B | 0.15% |
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.09% |
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.09% |
SPDR MSCI USA Small Cap Value Weighted$USSC | $1.1B | 0.07% |
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.
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