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NBT Bancorp Inc. (NBTB)

Financial Services | Banks - Regional | Norwich, United States | NasdaqGS
51.37 USD +0.73 (1.442%) ⇧ (July 15, 2026, 11:13 a.m. EDT)
Short-term:★★★⯪☆Long-term:★★★⯪☆Dividends:★★★⯪☆
Hot Take ↕ | July 11, 2026, 5:57 a.m. EDT

NBT Bancorp presents a compelling value story for a patient buyer, though the immediate path remains choppy. Fundamentally, the bank is executing well with double-digit revenue growth (+21.6%) and accelerating earnings (+39.2%), supported by a healthy 10.5% ROE and a fortress-like balance sheet where debt is well below cash reserves. The market has punished the stock recently, trading at a reasonable 14x trailing earnings and just 1.37x book value, which aligns with the 'Buy' consensus. The recent price action shows resilience, holding above key moving averages despite a pullback from yearly highs. The short-term outlook is mixed; while the statistical model offers a modest upward lean, the heavy put open interest suggests fear of a deeper correction, keeping the immediate rating at a cautious 3.5. For the long term, the trajectory is positive with a +51% gain over the last nine years and no recent consecutive declines, but the stock lacks the explosive momentum of top-tier tech or consumer leaders, capping the long-term rating at 3.5. The dividend is a solid feature, offering nearly 3% yield with a sustainable 41% payout ratio and a consistent track record of hikes, making it attractive for income-focused investors who can tolerate regional bank cyclicality.
Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
MSTL_90 ✓0.031275
MSTL_1260.033973
AutoTheta0.035167
MSTL0.035834
AutoETS0.036822
AutoARIMA0.036871
MSTL_90_1260.051847

Forecast horizon: 60 days | Selected: MSTL_90

Forecast Reliability
Score 49%
H-stat 1.59
Ljung-Box p 0.000
Jarque-Bera p 0.035
Excess Kurtosis -0.12
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-05-31
Last Dividend Date 2026-05-31
Revenue per Share 13.429
Market Cap 2,671,765,504
Trailing P/E 14.51
Forward P/E 11.43
Beta 0.49
Profit Margins 26.36%
Website https://www.nbtbancorp.com

As of July 11, 2026, 5:57 a.m. EDT: Speculators are positioning for a range-bound outcome with a slight bullish bias. There is significant new volume in both ATM calls and puts for the nearest expiration, indicating a disagreement on immediate direction but a consensus on volatility. However, deep out-of-the-money puts show heavy open interest, suggesting a floor is expected, while the lack of OTM call volume implies limited expectations for a massive breakout. The skew suggests traders are hedging downside risk rather than aggressively betting on a surge.

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 1.48
dividendYield 2.92
exDividendDate 2026-06-01
trailingAnnualDividendRate 1.45
trailingAnnualDividendYield 0.028633492
lastDividendValue 0.37
lastDividendDate 2026-06-01
dividendDate 2026-06-15

Info Dump

Attribute Value
52 Week Change 0.1746695
Address1 52 South Broad Street
Address2 P.O. Box 351
All Time High 52.44
All Time Low 5.583925
Ask 65.39
Ask Size 2
Audit Risk 3
Average Analyst Rating 2.3 - Buy
Average Daily Volume10 Day 334,860
Average Daily Volume3 Month 334,359
Average Volume 334,359
Average Volume10Days 334,860
Beta 0.487
Bid 36.6
Bid Size 2
Board Risk 6
Book Value 36.808
City Norwich
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 1
Country United States
Crypto Tradeable 0
Currency USD
Current Price 51.37
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 51.42
Day Low 50.47
Display Name NBT Bancorp
Dividend Date 1,781,481,600
Dividend Rate 1.48
Dividend Yield 2.92
Earnings Call Timestamp End 1,785,268,800
Earnings Call Timestamp Start 1,785,268,800
Earnings Growth 0.273
Earnings Quarterly Growth 0.392
Earnings Timestamp 1,785,182,400
Earnings Timestamp End 1,785,182,400
Earnings Timestamp Start 1,785,182,400
Ebitda Margins 0.0
Enterprise To Revenue 3.18
Enterprise Value 2,215,088,128
Eps Current Year 4.18833
Eps Forward 4.49571
Eps Trailing Twelve Months 3.54
Esg Populated 0
Ex Dividend Date 1,780,272,000
Exchange NMS
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 47.0018
Fifty Day Average Change 4.3681984
Fifty Day Average Change Percent 0.09293683
Fifty Two Week Change Percent 17.46695
Fifty Two Week High 51.42
Fifty Two Week High Change -0.049999237
Fifty Two Week High Change Percent -0.0009723695
Fifty Two Week Low 39.2
Fifty Two Week Low Change 12.169998
Fifty Two Week Low Change Percent 0.31045914
Fifty Two Week Range 39.2 - 51.42
Financial Currency USD
First Trade Date Milliseconds 700,842,600,000
Five Year Avg Dividend Yield 3.14
Float Shares 50,988,231
Forward Eps 4.49571
Forward P E 11.426449
Full Exchange Name NasdaqGS
Full Time Employees 2,303
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,782,864,000
Gross Margins 0.0
Gross Profits 696,571,008
Has Pre Post Market Data 1
Held Percent Insiders 0.02846
Held Percent Institutions 0.65483004
Implied Shares Outstanding 52,010,232
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 0
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 2,671,765,504
Market State REGULAR
Max Age 86,400
Message Board Id finmb_289652
Most Recent Quarter 1,774,915,200
Net Income To Common 183,632,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 2,633,798,148
Number Of Analyst Opinions 6
Open 50.67
Operating Cashflow 246,252,992
Operating Margins 0.40604
Overall Risk 2
Payout Ratio 0.4096
Peg Ratio 2.66
Phone 607 337 2265
Previous Close 50.64
Price Eps Current Year 12.265031
Price Hint 2
Price To Book 1.3956206
Price To Sales Trailing12 Months 3.8355968
Profit Margins 0.26362
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 2.28571
Region US
Regular Market Change 0.72999954
Regular Market Change Percent 1.4415473
Regular Market Day High 51.42
Regular Market Day Low 50.47
Regular Market Day Range 50.47 - 51.42
Regular Market Open 50.67
Regular Market Previous Close 50.64
Regular Market Price 51.37
Regular Market Time 1,784,128,382
Regular Market Volume 46,650
Return On Assets 0.012209999
Return On Equity 0.10553
Revenue Growth 0.216
Revenue Per Share 13.429
Sand P52 Week Change 0.2043345
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 2
Shares Outstanding 52,010,232
Shares Percent Shares Out 0.0296
Shares Short 1,539,470
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 1,603,484
Short Name NBT Bancorp Inc.
Short Percent Of Float 0.0404
Short Ratio 3.94
Source Interval 15
State NY
Symbol NBTB
Target High Price 56.0
Target Low Price 46.5
Target Mean Price 51.41667
Target Median Price 52.0
Total Cash 784,299,008
Total Cash Per Share 15.08
Total Debt 365,588,992
Total Revenue 696,571,008
Tradeable 0
Trailing Annual Dividend Rate 1.45
Trailing Annual Dividend Yield 0.028633492
Trailing Eps 3.54
Trailing P E 14.511299
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 43.8022
Two Hundred Day Average Change 7.5677986
Two Hundred Day Average Change Percent 0.17277211
Type Disp Equity
Volume 46,650
Website https://www.nbtbancorp.com
Zip 13,815