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NBT Bancorp(NASDAQ) NBTB

Current Price$51.30
Market Cap$2.69BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1990)+2,453%
5 Year+83%
1 Year+25%
1 Month+7%
NBT Bancorp last closing stock price
MetricPriceDate
Last closeUSD 51.322026-07-23
NBT Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-3.5%USD 53.182026-07-16
1 month+6.69%USD 48.102026-06-23
3 month+19.62%USD 42.902026-04-24
Year to date+25.69%USD 40.832025-12-31
1 year+25.13%USD 41.012025-07-23
3 year+56.82%USD 32.722023-07-24
5 year+82.74%USD 28.082021-07-23
Since inception+2,452.87%USD 2.041990-10-26

NBT Bancorp Financials at a Glance

Market Cap

$2.69BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$933.82M

Net Income (TTM)

$183.63M

EPS (TTM)

$3.51

P/E Ratio

14.73

Dividend

$1.48

Beta (Volatility)

0.69 (Low)

Price

$51.30

Volume

11,220

Open

$51.14

Previous Close

$51.30

Daily Range

$50.77 - $51.37

52-Week Range

$39.20 - $53.33

Estimated Earnings Date

Jul 27, 2026

NBTB News

SellAlert-Purple.png

What Investors Should Know About NBT Bancorp Stock as One Insider Reports Selling $99K in Shares

Jonathan PoncianoMar 26, 2026
American currency being exchanged across a bank teller window

Why Investors Cashed Out of NBT Bancorp This Week

Eric VolkmanJan 27, 2023

NBT Bancorp Earnings Preview

Narrative ScienceJan 20, 2012

Finding Value in Northeast Regional Banks

Robert EberhardNov 23, 2011

Is This the Best Bank in the Northeast?

Robert EberhardOct 10, 2011

NBT Bancorp Earnings Preview

Narrative ScienceJul 20, 2011

NBTB: Motley Fool Moneyball Superscore

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About NBT Bancorp

NBT helps people and businesses manage money and get loans. It provides banking services across seven states in the Northeast. These tools help customers save and pay for large purchases.

Where Your Money Goes

  • Commercial Banking: Loans and financial tools for businesses; includes real estate, construction, and agricultural financing.
  • Retail Banking: Everyday accounts and services for individuals like savings, checking, and home mortgages.
  • Wealth Management: Planning and investment assistance for customers looking to grow or protect their assets.
  • Insurance Services: Protection plans for personal property, business liability, and other commercial insurance needs.
  • Retirement Planning: Consulting and recordkeeping services that help businesses manage employee retirement funds.

Growing the Map

  • Acquired Evans Bancorp, Inc. in 2025 to increase the bank's presence in Western New York.
  • Purchased $4.6 million in residential loans during the first quarter of 2026 to expand the mortgage portfolio.
  • Maintained a network of 140 branches across states including New York, Pennsylvania, Vermont, and Massachusetts as of late 2021.

Local Roots and Digital Reach

NBT combines local decision-making with digital tools like mobile and online banking to serve its communities. This model allows the bank to tailor services to regional needs while providing 24-hour access to account funds and payments.

The Numbers Behind the Bank

  • Revenue reached $232.8 million in Q1 2026, up 15.7% from $201.2 million in Q1 2025.
  • Net income hit $51.1 million in Q1 2026, up 39.2% year-over-year.
  • Total deposits grew to $13.74 billion by March 31, 2026, up from $13.50 billion at the end of 2025.
  • Operating income rose to $66.7 million in Q1 2026, up 41.2% from the same period in 2025.
  • Net loans totaled $11.41 billion on March 31, 2026, compared to $11.46 billion at the end of 2025.

NBT's Evolving Journey

NBT has transitioned from a small-town bank founded in 1856 into a diversified financial institution serving the Northeast. Its expansion into insurance and retirement services has broadened its revenue base beyond traditional lending.

AI Generated • May 25, 2026

Industry

Banks

Sector

Financials

Employees

2,303

CEO

Scott Allen Kingsley, CPA

Website

www.nbtbancorp.com

Headquarters

Norwich, NY 13815, US

NBTB Financials

Key Financial Metrics (TTM)

Gross Margin

74.54%

Operating Margin

25.58%

Net Income Margin

19.66%

Return on Equity

9.83%

Return on Capital

9.87%

Return on Assets

1.13%

Earnings Yield

6.79%

Dividend Yield

2.86%

Payout Ratio

41.26%

Stock Overview

Market Cap

$2.69BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

52.01M

Volume

11.22K

Avg. Volume

353.70K

Financials (TTM)

Gross Profit

$696.08M

Operating Income

$238.90M

EBITDA

$262.54M

Operating Cash Flow

$246.25M

Capital Expenditure

-$10.99M

Free Cash Flow

$235.26M

Cash & ST Invst.

$151.56M

Total Debt

$160.92M

NBT Bancorp Performance Analysis

NBT Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 540,069,0008.3%
20232023-12-31USD 665,037,00023.1%
20242024-12-31USD 788,388,00018.5%
20252025-12-31USD 906,302,00015.0%
NBT Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-3011.3%
Q32025-09-306.6%
Q42025-12-31-0.2%
Q12026-03-31-2.3%
NBT Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 3.52-0.6%
20232023-12-31USD 2.65-24.6%
20242024-12-31USD 2.9711.8%
20252025-12-31USD 3.3312.2%
NBT Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30-37.7%
Q32025-09-30114.6%
Q42025-12-312.9%
Q12026-03-31-7.5%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$232.78M

+15.7%

Gross Profit

$178.91M

+22.2%

Gross Margin

76.86%

N/A

Market Cap

$2.69BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.17M

N/A

Employees

2,303

N/A

Net Income

$51.14M

+39.2%

EBITDA

$75.75M

+39.6%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$151.56M

-65.5%

Total Debt

$160.92M

-48.6%

Accounts Receivable

$0.00

N/A

Inventory

$0.00

N/A

Long Term Debt

$43.11M

-81.0%

Short Term Debt

$117.81M

+37.6%

Return on Assets

1.13%

N/A

Return on Invested Capital

1.49%

N/A

Free Cash Flow

$48.62M

+26.9%

Operating Cash Flow

$53.04M

+26.3%

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Questions About NBTB

What is the current price of NBT Bancorp?

NBT Bancorp is trading at $51.30 per share.

What is the 52-week range for NBT Bancorp?

Over the past 52 weeks, NBT Bancorp has traded between $39.20 and $53.33.

How much debt does NBT Bancorp have?

As of the most recent reporting period, NBT Bancorp reported total debt of $297.41M.

How much cash does NBT Bancorp have on hand?

NBT Bancorp does not have cash on hand data available.

What is NBT Bancorp’s dividend yield?

NBT Bancorp currently has a dividend yield of 2.86%.

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