NBT Bancorp/$NBTB
13:30
15:10
16:45
18:25
20:00
1D1W1MYTD1Y5YMAX
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
$2.1B
14.75
$2.77
0.54
$1.39
3.62%
Price and volume
Market cap
$2.1B
Beta
0.54
52-week high
$52.44
52-week low
$37.31
Average daily volume
192K
Dividend rate
$1.39
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)
14.753
Price to revenue (TTM)
3.325
Price to book
1.19
Price to tangible book (TTM)
1.59
Price to free cash flow (TTM)
11.183
Free cash flow yield (TTM)
8.94%
Free cash flow per share (TTM)
3.659
Dividend yield (TTM)
3.40%
Forward dividend yield
3.62%
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
Operating diluted earnings per share (non-GAAP) reached $0.88 in Q2 2025—an increase of 28% year-over-year—and return on tangible common equity achieved 15.25%, highlighting stronger profitability and capital generation.
The May 2, 2025 merger with Evans Bancorp added $1.67 billion in loans, $1.86 billion in deposits and 18 new branches, expanding NBT’s presence in Western New York and diversifying its funding sources.
NBT raised its quarterly cash dividend by 8.8% to $0.37 per share, marking the 13th consecutive annual increase, demonstrating robust capital flexibility and a clear commitment to shareholders.
NBT’s GAAP net income dropped to $22.5 million in Q2 2025 from $32.7 million a year ago, a decline of 31%, reflecting acquisition-related expenses and margin pressure.
The provision for credit losses increased to $17.8 million in Q2 2025, with $13.0 million tied to the acquisition, indicating higher credit risk costs following the merger.
Total cost of funds rose to 1.62% and cost of deposits climbed to 1.51% in Q2 2025—both up 2 basis points sequentially—which could limit net interest margin improvement.
Data summarised monthly by Lightyear AI. Last updated on 2 Oct 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
No upcoming events
FAQs
What’s the current market cap for NBT Bancorp stock?
NBT Bancorp (NBTB) has a market cap of $2.1B as of October 26, 2025.
What is the P/E ratio for NBT Bancorp stock?
The price to earnings (P/E) ratio for NBT Bancorp (NBTB) stock is 14.75 as of October 26, 2025.
Does NBT Bancorp stock pay dividends?
Yes, the NBT Bancorp (NBTB) stock pays dividends to shareholders. As of October 26, 2025, the dividend rate is $1.39 and the yield is 3.62%. 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 date is unconfirmed.
What is the beta indicator for NBT Bancorp?
NBT Bancorp (NBTB) has a beta rating of 0.54. 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.