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
Industry
Banks
Headquarters
Employees
2,083
Website
NBT Bancorp Metrics
BasicAdvanced
$2B
14.01
$3.03
0.57
$1.36
3.20%
Price and volume
Market cap
$2B
Beta
0.57
52-week high
$52.44
52-week low
$37.31
Average daily volume
218K
Dividend rate
$1.36
Financial strength
Dividend payout ratio (TTM)
44.05%
Profitability
Net profit margin (TTM)
25.21%
Operating margin (TTM)
35.81%
Effective tax rate (TTM)
21.75%
Revenue per employee (TTM)
$270,000
Management effectiveness
Return on assets (TTM)
1.05%
Return on equity (TTM)
9.55%
Valuation
Price to earnings (TTM)
14.01
Price to revenue (TTM)
3.518
Price to book
1.28
Price to tangible book (TTM)
1.72
Price to free cash flow (TTM)
11.079
Free cash flow yield (TTM)
9.03%
Free cash flow per share (TTM)
383.16%
Dividend yield (TTM)
3.20%
Forward dividend yield
3.20%
Growth
Revenue change (TTM)
13.26%
Earnings per share change (TTM)
17.05%
3-year revenue growth (CAGR)
5.09%
3-year earnings per share growth (CAGR)
-4.96%
10-year earnings per share growth (CAGR)
6.01%
3-year dividend per share growth (CAGR)
6.48%
10-year dividend per share growth (CAGR)
4.78%
Bulls say / Bears say
NBT Bancorp's planned acquisition of Evans Bancorp, valued at approximately $236 million, is expected to expand its footprint in western New York, potentially increasing market share and revenue streams. (reuters.com)
The company reported a net income of $36.7 million for Q1 2025, an 8.6% increase compared to the same period in 2024, indicating strong financial performance. (nasdaq.com)
NBT Bancorp has consistently increased its quarterly cash dividend, with the latest being $0.34 per share, reflecting a 6.3% increase over the previous year, which may attract income-focused investors. (wjbf.com)
The provision for loan losses significantly increased to $7.6 million in Q1 2025 from $2.2 million in the previous quarter, signaling potential concerns about future loan performance. (nasdaq.com)
Net charge-offs to average loans rose to 0.27% in Q1 2025 from 0.23% in the prior quarter, indicating a deterioration in credit quality. (nasdaq.com)
The company did not repurchase any shares during Q1 2025, which may raise concerns about its commitment to returning value to shareholders amid its ongoing strategic growth initiatives. (nasdaq.com)
Data summarised monthly by Lightyear AI. Last updated on 10 Jul 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 $2B as of July 24, 2025.
What is the P/E ratio for NBT Bancorp stock?
The price to earnings (P/E) ratio for NBT Bancorp (NBTB) stock is 14.01 as of July 24, 2025.
Does NBT Bancorp stock pay dividends?
Yes, the NBT Bancorp (NBTB) stock pays dividends to shareholders. As of July 24, 2025, the dividend rate is $1.36 and the yield is 3.2%. NBT Bancorp has a payout ratio of 44.05% 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 0.57. 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.