NBTB — NBT BANCORP INC

Nasdaq · Financials · Banks · CIK 790359 ·
Last close
$48.18
Market Cap
$2.51B
52W High
$48.26
52W Low
$39.81
ADV30
316,147
Next earnings
NBT Bancorp Inc., a financial holding company, provides personal and commercial banking, retail banking, and wealth management services in the United States. It operates through Banking, Retirement Plan Administration, and All Other segments. The company offers demand deposit, savings, interest-bearing checking, money market deposit, and certificate of deposit accounts; and indirect and direct consumer loans, home equity loans and lines of credit, residential mortgages, business banking loans, commercial and industrial loans, agricultural loans, commercial construction loans, commercial real estate loans, indirect auto loans, and other consumer loans, as well as agricultural lending, personal lines of credit, overdraft protection, and second mortgage loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan and health savings account recordkeeping and administration, and actuarial services. In addition, the company offers insurance products, such as personal property and casualty, business liability, and commercial insurance; and other products and services through a network of ATM locations and 24-hour online, mobile, and telephone channels that enable customers to check balances, make deposits, transfer funds, pay bills, access statements, apply for loans, and access various other products and services. Further, it operates as a property management and passive investment company, as well as investment advisor that provides investment management and financial consulting services. The company serves retail, commercial, and municipal customers. It operates in upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York.

Quarterly Fundamentals

Revenues vs Net Income (last 4 Q)

Assets vs Liabilities (last 4 Q)

PeriodRevenuesGrossProfit OpIncomeNetIncomeAssets CashLiabilities
Mar 2026
Dec 2025 184,363,000 55,509,000 15,995,121,000 487,116,000 14,098,905,000
Sep 2025 185,349,000 54,471,000 16,112,584,000 640,242,000 14,259,438,000
Jun 2025 170,663,000 22,510,000 16,014,781,000 541,563,000 14,209,615,000

Cashflow TTM (yfinance, fills SEC gap)

Operating CF
$235,218,000
Investing CF
$169,072,000
Financing CF
$-201,230,000
CapEx
$-16,302,000
Dividends Paid
$-72,594,000
Buybacks
$-10,185,000
EPS Diluted TTM
$3.51
As of
2026-05-10

Balance + Analyst (yfinance extras)

Retained Earnings
$1,196,850,000
Inventory
Receivables
ST Investments
$173,266,000
EBIT TTM
Pretax Income TTM
$219,444,000
Interest Exp TTM
$209,446,000
Analysts
6

Yahoo Snapshot (yfinance, live)

Total Revenue
$696,571,008
EBITDA
Free Cash Flow
Enterprise Value
$2,087,143,040
Total Cash
$784,299,008
Total Debt
$365,588,992
Shares Out
52,010,232
Trailing EPS
$3.54
Book Value
$36.81
ROE
10.6%
ROA
1.2%
Div Yield
3.07%

Annual Trend (SEC EDGAR, last 4y)

Revenues vs Net Income (last 4y)

FY endRevenuesOpIncome NetIncomeAssetsLiabilities EquityOCF
Dec 2025 694,391,000 169,235,000 15,995,121,000 14,098,905,000 235,218,000
Dec 2024 574,441,000 140,641,000 13,786,666,000 12,260,525,000 188,567,000
Dec 2023 517,779,000 118,782,000 13,309,040,000 11,883,349,000 157,457,000
Dec 2022 515,121,000 151,995,000 11,739,296,000 10,565,742,000 183,223,000

TTM Snapshot

Revenues TTM
NetIncome TTM
OpCashFlow TTM
Assets (Latest)
Forward EPS
$4.54

Peers — same industry

TickerNameMarket CapLastDaily %
EEFT EURONET WORLDWIDE, INC. $2.54B $66.66
FBNC FIRST BANCORP /NC/ $2.56B $61.78
BPOPO POPULAR, INC. $2.57B $25.56
BUSE FIRST BUSEY CORP /NV/ $2.43B $28.79
TBBK Bancorp, Inc. $2.39B $57.46

News headlines (Yahoo Finance, 1h cache)

1 Momentum Stock Worth Your Attention and 2 We Question
2026-06-10 14:17 · Yahoo
1 Growth Stock to Stash and 2 We Question
2026-06-08 15:17 · Yahoo
June 2026's Best Dividend Stocks For Reliable Income
2026-06-05 11:31 · Yahoo
Citizens Financial Group and NBT Bancorp Stocks Trade Up, What You Need To Know
2026-06-05 04:45 · Yahoo
Western Alliance Bancorporation and NBT Bancorp Shares Plummet, What You Need To Know
2026-06-04 03:19 · Yahoo
3 Cash-Heavy Stocks Walking a Fine Line
2026-06-01 10:56 · Yahoo
Is It Smart To Buy NBT Bancorp Inc. (NASDAQ:NBTB) Before It Goes Ex-Dividend?
2026-05-28 10:15 · Yahoo
Regional Banks Stocks Q1 Highlights: NBT Bancorp (NASDAQ:NBTB)
2026-05-26 17:43 · Yahoo
3 Reasons NBTB is Risky and 1 Stock to Buy Instead
2026-05-20 12:20 · Yahoo
NBT Bancorp Inc. Announces Cash Dividend
2026-05-19 20:15 · Yahoo

Recent Insider Activity

No insider activity indexed for this ticker.