NBT Bancorp Inc. (NBTB)Financial Services | Banks - Regional | Norwich, United States | NasdaqGS
45.65 USD
+1.05
(2.354%)
⇧
(April 17, 2026, 4 p.m.
EDT)
After hours: 45.66 +0.01 (0.033%) ⇧ (April 17, 2026, 5:48 p.m. EDT) Short-term: ★★★☆☆ | Long-term: ★★★★☆ | Dividends: ★★★★☆ |
Hot Take | April 11, 2026, 3:03 p.m. EDT
NBTB shows a stable dividend yield with a consistent payout history, making it attractive for income-focused investors. The recent price movement has been relatively flat, with a slight dip from the 52-week high. The positive analyst recommendations and solid fundamentals suggest a long-term buy. However, the short-term forecasting model shows minimal predicted movement, indicating a lack of clear momentum. Investors should consider the recent insider selling and the options activity, which hints at cautious speculation, before making short-term decisions. |
| Model | MAE |
|---|---|
| MSTL ✓ | 0.032309 |
| AutoETS | 0.032684 |
| AutoARIMA | 0.032684 |
| AutoTheta | 0.039621 |
Forecast horizon: 45 days | Selected: MSTL
| Forecast Reliability | |
|---|---|
| Score | 80% |
| H-stat | 0.62 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.207 |
| Excess Kurtosis | -1.25 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Ex Dividend Date | 2026-03-01 |
| Last Dividend Date | 2026-03-01 |
| Revenue per Share | 13.125 |
| Market Cap | 2,383,131,392 |
| Trailing P/E | 13.71 |
| Forward P/E | 9.95 |
| Beta | 0.47 |
| Profit Margins | 25.46% |
| Website | https://www.nbtbancorp.com |
As of April 11, 2026, 3:03 p.m. EDT: Options speculators are showing mixed signals. The calls show a concentration of open interest around the ATM strike (45.0) with some OTM calls positioned for potential upside. However, the puts show higher implied volatility (IV) around the ATM strike (40.0) and some OTM puts, suggesting a cautious outlook. The overall options activity indicates a balanced view with potential for both upward and downward movements, but the higher IV in puts suggests some bearish sentiment.
| Last Yield | 1yr Yield | 3yr Avg | 5yr Avg |
|---|---|---|---|
| 0.86% | 3.46% | 3.51% | 3.44% |
| Date | Dividend | Yield % |
|---|---|---|
| 2026-03-02 | 0.370000 | 0.864890 |
| 2025-12-01 | 0.370000 | 0.898490 |
| 2025-08-29 | 0.370000 | 0.850674 |
| 2025-06-02 | 0.340000 | 0.850874 |
| 2025-03-03 | 0.340000 | 0.743609 |
| 2024-12-02 | 0.340000 | 0.710638 |
| 2024-08-30 | 0.340000 | 0.728645 |
| 2024-06-03 | 0.320000 | 0.936845 |
| 2024-02-29 | 0.320000 | 0.991691 |
| 2023-11-30 | 0.320000 | 0.969047 |
| 2023-08-31 | 0.320000 | 1.009236 |
| 2023-05-31 | 0.300000 | 0.979873 |
| 2023-02-28 | 0.300000 | 0.816977 |
| 2022-11-30 | 0.300000 | 0.723733 |
| 2022-08-31 | 0.300000 | 0.867045 |
| 2022-05-31 | 0.280000 | 0.855175 |
| 2022-02-28 | 0.280000 | 0.830392 |
| 2021-11-30 | 0.280000 | 0.888832 |
| 2021-08-31 | 0.280000 | 0.901969 |
| 2021-05-28 | 0.270000 | 0.806217 |
| 2021-02-26 | 0.270000 | 0.873623 |
| 2020-11-30 | 0.270000 | 1.064467 |
| 2020-08-31 | 0.270000 | 1.055330 |
| 2020-05-29 | 0.270000 | 1.035663 |
| 2020-02-27 | 0.270000 | 0.919113 |
| 2019-11-27 | 0.270000 | 0.822962 |
| 2019-08-29 | 0.260000 | 0.915355 |
| 2019-05-30 | 0.260000 | 0.884279 |
| 2019-02-28 | 0.260000 | 0.839087 |
| 2018-11-29 | 0.260000 | 0.854248 |
| 2018-08-30 | 0.250000 | 0.788173 |
| 2018-05-31 | 0.250000 | 0.834292 |
| 2018-02-28 | 0.230000 | 0.845807 |
| 2017-11-30 | 0.230000 | 0.762713 |
| 2017-08-30 | 0.230000 | 0.910606 |
| 2017-05-30 | 0.230000 | 0.844006 |
| 2017-02-27 | 0.230000 | 0.735083 |
| 2016-11-29 | 0.230000 | 0.786059 |
| 2016-08-30 | 0.230000 | 0.953379 |
| 2016-05-27 | 0.220000 | 1.003034 |
| 2016-02-26 | 0.220000 | 1.130053 |
| 2015-11-27 | 0.220000 | 0.987904 |
| 2015-08-28 | 0.220000 | 1.179873 |
| 2015-05-27 | 0.220000 | 1.227069 |
| 2015-02-25 | 0.210000 | 1.212200 |
| 2014-11-26 | 0.210000 | 1.181623 |
| 2014-08-27 | 0.210000 | 1.236634 |
| 2014-05-28 | 0.210000 | 1.322069 |
| 2014-02-26 | 0.210000 | 1.305390 |
| 2013-11-26 | 0.210000 | 1.188781 |
| 2013-08-28 | 0.200000 | 1.363025 |
| 2013-05-29 | 0.200000 | 1.468386 |
| 2013-02-27 | 0.200000 | 1.459588 |
| 2012-11-28 | 0.200000 | 1.544715 |
| 2012-08-29 | 0.200000 | 1.429050 |
| 2012-05-30 | 0.200000 | 1.563313 |
| 2012-02-28 | 0.200000 | 1.409355 |
| 2011-11-29 | 0.200000 | 1.601903 |
| 2011-08-30 | 0.200000 | 1.568453 |
| 2011-05-27 | 0.200000 | 1.484015 |
| 2011-02-25 | 0.200000 | 1.447562 |
| 2010-11-29 | 0.200000 | 1.447719 |
| 2010-08-30 | 0.200000 | 1.658813 |
| 2010-05-27 | 0.200000 | 1.480874 |
| 2010-02-25 | 0.200000 | 1.552669 |
| 2009-11-27 | 0.200000 | 1.693142 |
| 2009-08-28 | 0.200000 | 1.487844 |
| 2009-05-28 | 0.200000 | 1.635231 |
| 2009-02-25 | 0.200000 | 1.776127 |
| 2008-11-26 | 0.200000 | 1.322992 |
| 2008-08-27 | 0.200000 | 1.418144 |
| 2008-05-28 | 0.200000 | 1.492515 |
| 2008-02-27 | 0.200000 | 1.748180 |
| 2007-11-28 | 0.200000 | 1.471314 |
| 2007-08-29 | 0.200000 | 1.660071 |
| 2007-05-30 | 0.200000 | 1.624224 |
| 2007-02-27 | 0.190000 | 1.575231 |
| 2006-11-29 | 0.190000 | 1.445840 |
| 2006-08-30 | 0.190000 | 1.539947 |
| 2006-05-30 | 0.190000 | 1.662703 |
| 2006-02-27 | 0.190000 | 1.606079 |
| 2005-11-29 | 0.190000 | 1.642516 |
| 2005-08-30 | 0.190000 | 1.593922 |
| 2005-05-27 | 0.190000 | 1.582353 |
| 2005-02-25 | 0.190000 | 1.628980 |
| 2004-11-29 | 0.190000 | 1.495986 |
| 2004-08-30 | 0.190000 | 1.742272 |
| 2004-05-27 | 0.190000 | 1.776462 |
| 2004-02-26 | 0.170000 | 1.590928 |
| 2003-11-26 | 0.170000 | 1.608295 |
| 2003-08-27 | 0.170000 | 1.683042 |
| 2003-05-28 | 0.170000 | 1.958173 |
| 2003-02-26 | 0.170000 | 2.046922 |
| 2002-11-26 | 0.170000 | 2.067862 |
| 2002-08-28 | 0.170000 | 2.168741 |
| 2002-05-29 | 0.170000 | 2.109247 |
| 2002-02-27 | 0.170000 | 2.660764 |
| 2001-11-28 | 0.170000 | 2.690117 |
| 2001-08-29 | 0.170000 | 2.384686 |
| 2001-05-30 | 0.170000 | 2.501391 |
| 2001-02-27 | 0.170000 | 2.367231 |
| 2000-11-29 | 0.170000 | 2.864670 |
| 2000-08-30 | 0.170000 | 3.596112 |
| 2000-05-30 | 0.170000 | 4.138026 |
| 2000-02-28 | 0.170000 | 3.500605 |
| 1999-08-30 | 0.161905 | 2.233526 |
| 1999-05-27 | 0.161905 | 2.100788 |
| 1999-02-25 | 0.161905 | 1.906520 |
| 1998-11-27 | 0.161905 | 1.729078 |
| 1998-08-28 | 0.154195 | 1.842450 |
| 1998-05-28 | 0.115646 | 1.328193 |
| 1998-02-25 | 0.115646 | 1.639344 |
| 1997-08-28 | 0.110139 | 1.773767 |
| 1997-05-28 | 0.097182 | 1.887331 |
| 1997-02-26 | 0.097182 | 2.130733 |
| 1996-08-28 | 0.080213 | 2.133694 |
| 1996-05-29 | 0.080213 | 2.066912 |
| 1996-02-28 | 0.080213 | 2.200812 |
| 1995-08-30 | 0.070517 | 2.047906 |
| 1995-05-25 | 0.070517 | 2.000854 |
| 1995-02-27 | 0.070517 | 2.063104 |
| 1994-08-26 | 0.064361 | 2.038829 |
| 1994-05-25 | 0.064361 | 2.021735 |
| 1994-02-23 | 0.058764 | 1.699365 |
| 1993-08-26 | 0.058631 | 1.829954 |
| 1993-05-25 | 0.058631 | 1.882758 |
| 1993-02-23 | 0.058631 | 2.116104 |
| 1992-09-01 | 0.054316 | 2.074987 |
| 1992-05-26 | 0.054316 | 2.612369 |
| Attribute | Value |
|---|---|
| 52 Week Change | 0.15161455 |
| Address1 | 52 South Broad Street |
| Address2 | P.O. Box 351 |
| All Time High | 52.44 |
| All Time Low | 5.583925 |
| Ask | 58.13 |
| Ask Size | 2 |
| Audit Risk | 2 |
| Average Analyst Rating | 2.3 - Buy |
| Average Daily Volume10 Day | 205,310 |
| Average Daily Volume3 Month | 235,016 |
| Average Volume | 235,016 |
| Average Volume10Days | 205,310 |
| Beta | 0.471 |
| Bid | 33.05 |
| Bid Size | 2 |
| Board Risk | 5 |
| Book Value | 36.324 |
| City | Norwich |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 1 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 45.65 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,774,915,200 |
| Day High | 46.43 |
| Day Low | 45.2 |
| Display Name | NBT Bancorp |
| Dividend Date | 1,773,619,200 |
| Dividend Rate | 1.45 |
| Dividend Yield | 3.17 |
| Earnings Call Timestamp End | 1,777,039,200 |
| Earnings Call Timestamp Start | 1,777,039,200 |
| Earnings Growth | 0.395 |
| Earnings Quarterly Growth | 0.542 |
| Earnings Timestamp | 1,776,974,400 |
| Earnings Timestamp End | 1,776,974,400 |
| Earnings Timestamp Start | 1,776,974,400 |
| Ebitda Margins | 0.0 |
| Enterprise To Revenue | 3.394 |
| Enterprise Value | 2,256,521,216 |
| Eps Current Year | 4.19 |
| Eps Forward | 4.58857 |
| Eps Trailing Twelve Months | 3.33 |
| Esg Populated | 0 |
| Ex Dividend Date | 1,772,409,600 |
| Exchange | NMS |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 43.5668 |
| Fifty Day Average Change | 2.0832024 |
| Fifty Day Average Change Percent | 0.047816284 |
| Fifty Two Week Change Percent | 15.161455 |
| Fifty Two Week High | 46.92 |
| Fifty Two Week High Change | -1.2699966 |
| Fifty Two Week High Change Percent | -0.027067278 |
| Fifty Two Week Low | 39.14 |
| Fifty Two Week Low Change | 6.510002 |
| Fifty Two Week Low Change Percent | 0.16632606 |
| Fifty Two Week Range | 39.14 - 46.92 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 700,842,600,000 |
| Five Year Avg Dividend Yield | 3.13 |
| Float Shares | 50,801,678 |
| Forward Eps | 4.58857 |
| Forward P E | 9.948633 |
| Full Exchange Name | NasdaqGS |
| Full Time Employees | 2,303 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,775,001,600 |
| Gross Margins | 0.0 |
| Gross Profits | 664,785,024 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.028169999 |
| Held Percent Institutions | 0.65608 |
| Implied Shares Outstanding | 52,204,411 |
| Industry | Banks - Regional |
| Industry Disp | Banks - Regional |
| Industry Key | banks-regional |
| Is Earnings Date Estimate | 0 |
| Language | en-US |
| Last Dividend Date | 1,772,409,600 |
| 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 | 2,383,131,392 |
| Market State | CLOSED |
| Max Age | 86,400 |
| Message Board Id | finmb_289652 |
| Most Recent Quarter | 1,767,139,200 |
| Net Income To Common | 169,235,008 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 2,375,280,532 |
| Number Of Analyst Opinions | 6 |
| Open | 45.22 |
| Operating Cashflow | 235,218,000 |
| Operating Margins | 0.41872 |
| Overall Risk | 2 |
| Payout Ratio | 0.4264 |
| Peg Ratio | 2.66 |
| Phone | 607 337 2265 |
| Post Market Change | 0.0149002075 |
| Post Market Change Percent | 0.032640103 |
| Post Market Price | 45.6649 |
| Post Market Time | 1,776,462,489 |
| Previous Close | 44.6 |
| Price Eps Current Year | 10.894988 |
| Price Hint | 2 |
| Price To Book | 1.2567449 |
| Price To Sales Trailing12 Months | 3.584815 |
| Profit Margins | 0.25457 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | buy |
| Recommendation Mean | 2.28571 |
| Region | US |
| Regular Market Change | 1.05 |
| Regular Market Change Percent | 2.35427 |
| Regular Market Day High | 46.43 |
| Regular Market Day Low | 45.2 |
| Regular Market Day Range | 45.2 - 46.43 |
| Regular Market Open | 45.22 |
| Regular Market Previous Close | 44.6 |
| Regular Market Price | 45.65 |
| Regular Market Time | 1,776,456,000 |
| Regular Market Volume | 228,197 |
| Return On Assets | 0.011360001 |
| Return On Equity | 0.098900005 |
| Revenue Growth | 0.24 |
| Revenue Per Share | 13.125 |
| Sand P52 Week Change | 0.38150132 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 2 |
| Shares Outstanding | 52,009,646 |
| Shares Percent Shares Out | 0.0183 |
| Shares Short | 950,659 |
| Shares Short Previous Month Date | 1,772,150,400 |
| Shares Short Prior Month | 815,748 |
| Short Name | NBT Bancorp Inc. |
| Short Percent Of Float | 0.025 |
| Short Ratio | 3.84 |
| Source Interval | 15 |
| State | NY |
| Symbol | NBTB |
| Target High Price | 52.0 |
| Target Low Price | 47.0 |
| Target Mean Price | 48.83333 |
| Target Median Price | 48.5 |
| Total Cash | 555,230,016 |
| Total Cash Per Share | 10.636 |
| Total Debt | 428,620,000 |
| Total Revenue | 664,785,024 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 1.42 |
| Trailing Annual Dividend Yield | 0.031838566 |
| Trailing Eps | 3.33 |
| Trailing P E | 13.70871 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 42.72075 |
| Two Hundred Day Average Change | 2.9292526 |
| Two Hundred Day Average Change Percent | 0.06856745 |
| Type Disp | Equity |
| Volume | 228,197 |
| Website | https://www.nbtbancorp.com |
| Zip | 13,815 |