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

NBT Bancorp Metrics

BasicAdvanced
$2.2B
14.95
$2.77
0.58
$1.39
3.57%

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.

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