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NBT Bancorp Inc. (NBTB)

Financial Services | Banks - Regional | Norwich, United States | NasdaqGS
51.55 USD +0.12 (0.233%) ⇧ (Aug. 28, 2026, 4 p.m. EDT)
After hours: 51.55

Short-term:★★★⯪☆Long-term:★★★⯪☆Dividends:★★★⯪☆
Hot Take | Aug. 22, 2026, 3:23 a.m. EDT

The immediate outlook is mixed but leans cautiously positive. Fundamentally, the bank shows strong resilience with a 17.8% revenue expansion and robust operating margins, yet the recent earnings miss and a single year of price decline create a ceiling on momentum. The stock trades at a reasonable 12.6x trailing earnings, offering a margin of safety, but the lack of multi-year price appreciation suggests the market remains skeptical of the growth story. On the options front, the heavy put flow acts as a circuit breaker, while the call positioning at $55 hints at a potential breakout if the company can confirm its recovery. This creates a volatile environment where a 3.5-star rating reflects a 'watch and wait' approach rather than a full commitment.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.070542
MSTL0.085741
AutoETS0.088429
AutoARIMA0.090704

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 56%
H-stat 24.43
Ljung-Box p 0.000
Jarque-Bera p 0.346
Excess Kurtosis -1.04
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-08-31
Last Dividend Date 2026-05-31
Revenue per Share 13.861
Market Cap 2,678,541,056
Trailing P/E 12.51
Forward P/E 11.35
Beta 0.48
Profit Margins 29.59%
Website https://www.nbtbancorp.com

As of Aug. 22, 2026, 3:23 a.m. EDT: Speculators are positioning for a modest upside move with significant call volume at the $55 strike, which sits just above current prices. However, there is a notable surge in fresh ATM put volume relative to open interest, indicating a hedge against volatility or a specific bet on a dip near the $50 level. Implied volatility is elevated on the short-dated puts compared to calls, suggesting fear of a sharp correction despite the bullish bias in open interest.


Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.81% 3.40% 3.33% 3.22%
Dividend History
Date Dividend Yield %
2026-06-01 0.370000 0.813008
2026-03-02 0.370000 0.864890
2025-12-01 0.370000 0.890708
2025-08-29 0.370000 0.835780
2025-06-02 0.340000 0.829066
2025-03-03 0.340000 0.718664
2024-12-02 0.340000 0.681909
2024-08-30 0.340000 0.694444
2024-06-03 0.320000 0.886672
2024-02-29 0.320000 0.930503
2023-11-30 0.320000 0.900647
2023-08-31 0.320000 0.929692
2023-05-31 0.300000 0.894188
2023-02-28 0.300000 0.739098
2022-11-30 0.300000 0.649913
2022-08-31 0.300000 0.773595
2022-05-31 0.280000 0.757166
2022-02-28 0.280000 0.729737
2021-11-30 0.280000 0.775408
2021-08-31 0.280000 0.780814
2021-05-28 0.270000 0.692485
2021-02-26 0.270000 0.745239
2020-11-30 0.270000 0.901502
2020-08-31 0.270000 0.886118
2020-05-29 0.270000 0.862069
2020-02-27 0.270000 0.758640
2019-11-27 0.270000 0.674326
2019-08-29 0.260000 0.744986
2019-05-30 0.260000 0.714286
2019-02-28 0.260000 0.673052
2018-11-29 0.260000 0.680628
2018-08-30 0.250000 0.623752
2018-05-31 0.250000 0.656168
2018-02-28 0.230000 0.660920
2017-11-30 0.230000 0.592173
2017-08-30 0.230000 0.702934
2017-05-30 0.230000 0.646976
2017-02-27 0.230000 0.559883
2016-11-29 0.230000 0.595392
2016-08-30 0.230000 0.717853
2016-05-27 0.220000 0.749830
2016-02-26 0.220000 0.838415
2015-11-27 0.220000 0.726792
2015-08-28 0.220000 0.861731
2015-05-27 0.220000 0.888530
2015-02-25 0.210000 0.869925
2014-11-26 0.210000 0.840673
2014-08-27 0.210000 0.872455
2014-05-28 0.210000 0.924703
2014-02-26 0.210000 0.904782
2013-11-26 0.210000 0.816485
2013-08-28 0.200000 0.928505
2013-05-29 0.200000 0.991080
2013-02-27 0.200000 0.975610
2012-11-28 0.200000 1.022495
2012-08-29 0.200000 0.936330
2012-05-30 0.200000 1.014713
2012-02-28 0.200000 0.905797
2011-11-29 0.200000 1.020408
2011-08-30 0.200000 0.989120
2011-05-27 0.200000 0.926784
2011-02-25 0.200000 0.895656
2010-11-29 0.200000 0.887705
2010-08-30 0.200000 1.008065
2010-05-27 0.200000 0.891266
2010-02-25 0.200000 0.925926
2009-11-27 0.200000 1.000500
2009-08-28 0.200000 0.870701
2009-05-28 0.200000 0.948767
2009-02-25 0.200000 1.020929
2008-11-26 0.200000 0.753012
2008-08-27 0.200000 0.800961
2008-05-28 0.200000 0.836120
2008-02-27 0.200000 0.971345
2007-11-28 0.200000 0.809717
2007-08-29 0.200000 0.905797
2007-05-30 0.200000 0.877963
2007-02-27 0.190000 0.844069
2006-11-29 0.190000 0.768608
2006-08-30 0.190000 0.812313
2006-05-30 0.190000 0.869963
2006-02-27 0.190000 0.833333
2005-11-29 0.190000 0.845196
2005-08-30 0.190000 0.813356
2005-05-27 0.190000 0.801012
2005-02-25 0.190000 0.817908
2004-11-29 0.190000 0.744806
2004-08-30 0.190000 0.860897
2004-05-27 0.190000 0.870362
2004-02-26 0.170000 0.772727
2003-11-26 0.170000 0.775194
2003-08-27 0.170000 0.804924
2003-05-28 0.170000 0.928962
2003-02-26 0.170000 0.962083
2002-11-26 0.170000 0.962627
2002-08-28 0.170000 1.000000
2002-05-29 0.170000 0.963173
2002-02-27 0.170000 1.203114
2001-11-28 0.170000 1.201413
2001-08-29 0.170000 1.052632
2001-05-30 0.170000 1.092545
2001-02-27 0.170000 1.022556
2000-11-29 0.170000 1.225225
2000-08-30 0.170000 1.519553
2000-05-30 0.170000 1.721519
2000-02-28 0.170000 1.431579
1999-08-30 0.161905 0.900664
1999-05-27 0.161905 0.839507
1999-02-25 0.161905 0.755557
1998-11-27 0.161905 0.680001
1998-08-28 0.154195 0.719577
1998-05-28 0.115646 0.515150
1998-02-25 0.115646 0.632557
1997-08-28 0.110139 0.679998
1997-05-28 0.097182 0.718565
1997-02-26 0.097182 0.805371
1996-08-28 0.080213 0.799995
1996-05-29 0.080213 0.768942
1996-02-28 0.080213 0.812495
1995-08-30 0.070517 0.749996
1995-05-25 0.070517 0.727269
1995-02-27 0.070517 0.744182
1994-08-26 0.064361 0.730158
1994-05-25 0.064361 0.718749
1994-02-23 0.058764 0.599995
1993-08-26 0.058631 0.642333
1993-05-25 0.058631 0.656714
1993-02-23 0.058631 0.733331
1992-09-01 0.054316 0.713329
1992-05-26 0.054316 0.891661
Additional Data
dividendRate 1.6
dividendYield 3.11
exDividendDate 2026-09-01
trailingAnnualDividendRate 1.48
trailingAnnualDividendYield 0.02877698
lastDividendValue 0.37
lastDividendDate 2026-06-01
dividendDate 2026-09-15

Info Dump

Attribute Value
52 Week Change 0.17372501
Address1 52 South Broad Street
Address2 P.O. Box 351
All Time High 54.5
All Time Low 5.583925
Ask 66.41
Ask Size 2
Audit Risk 3
Average Daily Volume10 Day 239,350
Average Daily Volume3 Month 360,303
Average Volume 360,303
Average Volume10Days 239,350
Beta 0.484
Bid 36.38
Bid Size 2
Board Risk 5
Book Value 37.39
City Norwich
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 1
Country United States
Crypto Tradeable 0
Currency USD
Current Price 51.55
Custom Price Alert Confidence HIGH
Date Short Interest 1,786,665,600
Day High 51.71
Day Low 51.27
Display Name NBT Bancorp
Dividend Date 1,789,430,400
Dividend Rate 1.6
Dividend Yield 3.11
Earnings Call Timestamp End 1,785,247,200
Earnings Call Timestamp Start 1,785,247,200
Earnings Growth 1.318
Earnings Quarterly Growth 1.356
Earnings Timestamp 1,785,182,400
Earnings Timestamp End 1,793,044,800
Earnings Timestamp Start 1,793,044,800
Ebitda Margins 0.0
Enterprise To Revenue 3.944
Enterprise Value 2,854,966,272
Eps Current Year 4.175
Eps Forward 4.54286
Eps Trailing Twelve Months 4.12
Esg Populated 0
Ex Dividend Date 1,788,220,800
Exchange NMS
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 51.456
Fifty Day Average Change 0.093997955
Fifty Day Average Change Percent 0.0018267637
Fifty Two Week Change Percent 17.372501
Fifty Two Week High 54.5
Fifty Two Week High Change -2.9500008
Fifty Two Week High Change Percent -0.054128453
Fifty Two Week Low 39.2
Fifty Two Week Low Change 12.349998
Fifty Two Week Low Change Percent 0.315051
Fifty Two Week Range 39.2 - 54.5
Financial Currency USD
First Trade Date Milliseconds 700,842,600,000
Five Year Avg Dividend Yield 3.14
Float Shares 50,950,997
Forward Eps 4.54286
Forward P E 11.347477
Full Exchange Name NasdaqGS
Full Time Employees 2,303
Fullday Change 0.119999
Fullday Change Percent 0.233325
Fullday Price 51.55
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,785,542,400
Gross Margins 0.0
Gross Profits 723,808,000
Has Pre Post Market Data 1
Held Percent Insiders 0.02832
Held Percent Institutions 0.69523
Implied Shares Outstanding 51,960,061
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,780,272,000
Last Dividend Value 0.37
Last Fiscal Year End 1,767,139,200
Last Split Date 943,833,600
Last Split Factor 105:100
Long Business Summary 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.
Long Name NBT Bancorp Inc.
Market us_market
Market Cap 2,678,541,056
Market State CLOSED
Max Age 86,400
Message Board Id finmb_289652
Most Recent Quarter 1,782,777,600
Net Income To Common 214,152,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 2,671,786,336
Number Of Analyst Opinions 6
Open 51.53
Operating Cashflow 261,662,000
Operating Margins 0.41447
Overall Risk 2
Payout Ratio 0.36009997
Peg Ratio 2.66
Phone 607 337 2265
Post Market Change 0.0
Post Market Change Percent 0.0
Post Market Price 51.55
Post Market Time 1,787,959,804
Previous Close 51.43
Price Eps Current Year 12.347304
Price Hint 2
Price To Book 1.3787109
Price To Sales Trailing12 Months 3.7006238
Profit Margins 0.29587
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change 0.119999
Regular Market Change Percent 0.233325
Regular Market Day High 51.71
Regular Market Day Low 51.27
Regular Market Day Range 51.27 - 51.71
Regular Market Open 51.53
Regular Market Previous Close 51.43
Regular Market Price 51.55
Regular Market Time 1,787,947,200
Regular Market Volume 189,213
Return On Assets 0.01329
Return On Equity 0.11424
Revenue Growth 0.178
Revenue Per Share 13.861
Sand P52 Week Change 0.20204377
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 2
Shares Outstanding 51,960,061
Shares Percent Shares Out 0.0397
Shares Short 2,064,758
Shares Short Previous Month Date 1,784,073,600
Shares Short Prior Month 1,789,414
Short Name NBT Bancorp Inc.
Short Percent Of Float 0.0543
Short Ratio 5.27
Source Interval 15
State NY
Symbol NBTB
Target High Price 62.0
Target Low Price 54.0
Target Mean Price 56.83333
Target Median Price 56.0
Total Cash 366,823,008
Total Cash Per Share 7.06
Total Debt 543,248,000
Total Revenue 723,808,000
Tradeable 0
Trailing Annual Dividend Rate 1.48
Trailing Annual Dividend Yield 0.02877698
Trailing Eps 4.12
Trailing P E 12.512136
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 45.70395
Two Hundred Day Average Change 5.8460503
Two Hundred Day Average Change Percent 0.12791127
Type Disp Equity
Volume 189,213
Website https://www.nbtbancorp.com
Zip 13,815