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
12.65
$4.08
0.48
$1.51
3.10%
Price and volume
Market cap
$2.7B
Beta
0.48
52-week high
$54.50
52-week low
$39.20
Average daily volume
267K
Dividend rate
$1.51
Financial strength
Dividend payout ratio (TTM)
36.04%
Profitability
Net profit margin (TTM)
29.59%
Operating margin (TTM)
41.77%
Effective tax rate (TTM)
22.77%
Revenue per employee (TTM)
$310,000
Management effectiveness
Return on assets (TTM)
1.33%
Return on equity (TTM)
11.42%
Valuation
Price to earnings (TTM)
12.646
Price to revenue (TTM)
3.723
Price to book
1.38
Price to tangible book (TTM)
1.86
Price to free cash flow (TTM)
10.97
Free cash flow yield (TTM)
9.12%
Free cash flow per share (TTM)
4.704
Dividend yield (TTM)
2.93%
Forward dividend yield
3.10%
Growth
Revenue change (TTM)
22.41%
Earnings per share change (TTM)
47.11%
3-year revenue growth (CAGR)
13.62%
3-year earnings per share growth (CAGR)
8.21%
10-year earnings per share growth (CAGR)
8.71%
3-year dividend per share growth (CAGR)
7.24%
10-year dividend per share growth (CAGR)
5.34%
Bulls say / Bears say
NBTB delivered Q2 2026 net income of $53.0 million, or $1.02 per diluted share, more than doubling year-over-year from $22.5 million, or $0.44 per share in Q2 2025, reflecting strong earnings momentum. (GlobeNewswire)
Net interest margin expanded to 3.73% in Q2 2026 from 3.59% a year earlier, indicating improved asset yields and effective liability management. (GlobeNewswire)
The board approved an 8.1% cash dividend increase to $0.40 per share in Q2 2026, underscoring management’s confidence in the bank’s capital generation and cash flow stability. (GlobeNewswire)
Q2 2026 EPS of $1.01 fell short of the $1.02 analyst consensus by $0.01, marking a 0.98% negative surprise and indicating modest margin pressures. (Investing.com)
Revenue for Q2 2026 came in at $186.69 million, 1.12% below the $188.81 million consensus estimate, suggesting challenges in driving core loan and deposit growth. (Investing.com)
Total nonperforming loans rose to $65.3 million in Q2 2026 from $46.4 million in Q2 2025, lifting the nonperforming loans ratio to 0.55% and flagging potential asset quality headwinds. (GlobeNewswire)
Data summarised monthly by Lightyear AI. Last updated on 5 Sept 2026.
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NBT Bancorp News
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Funds containing NBT Bancorp
AllUSDGBPEUR
Fund name | Fund size | $NBTB weighting |
|---|---|---|
iShares S&P SmallCap 600$IDP6 | $3.2B | 0.15% |
iShares S&P Small Cap 600£ISP6 | £2.4B | 0.15% |
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.09% |
L&G Global Quality Dividends£LDGG | £279M | 0.06% |
iShares MSCI World Small Cap$WSML | $9B | 0.02% |
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