NBT Bancorp Inc. NBTB R2K

Financial Services · Banks - Regional · United States

https://www.nbtbancorp.com

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.

Market & Price

Market Cap

$2.40B

Current Price

$46.24

High / Low (52W)

$46.58 / $38.58

Beta

0.48

Valuation

Stock P/E

13.06

Industry PE

12.01

Forward P/E

10.18

PEG Ratio

2.66

Book Value

$36.57

Price to Book

1.26

P/S

3.45

EV/EBITDA

Dividend Yield

3.20%

Profitability & Returns

ROCE

ROE

10.55%

ROA

1.22%

Profit Margin

26.36%

Op Margin

40.60%

EPS (Latest Qtr)

$0.98

EPS (TTM)

$3.54

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$365.59M

Total Assets

$16.00B

Current Assets

Working Capital

Ownership

Promoter Holding

2.82%

Chg in Prom Hold

FII / Inst Holding

65.47%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$1.99B

Total Revenue (TTM)

$696.57M

EBITDA

Free Cash Flow

Operating Cash Flow

$246.25M

Shares Outstanding

52.01M

Gross Margin

0.00%

Payout Ratio

40.96%

Growth (CAGR)

Revenue 5Y

10.47%

Profit 5Y

3.65%

Revenue (YoY)

21.60%

Earnings (YoY)

27.30%

PROS

Excellent profit margin of 26.4%.
Compounding revenue at 10.5% over 5 years.
Attractive dividend yield of 3.20%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	NBTB NBT Bancorp Inc. R2K	46.24	13.06	$2.40B	3.20%	-	10.55%	10.47%	3.65%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2013	Sep 2013	Mar 2014	Jun 2014	Sep 2014	Mar 2015	Jun 2015	Sep 2015	Mar 2016	Jun 2016	Sep 2016	Mar 2017	Jun 2017	Sep 2017	Mar 2018	Jun 2018	Sep 2018	Mar 2019	Jun 2019	Sep 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	27.34M	29.08M	29.50M	29.86M	32.85M	31.68M	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	154.02M	170.66M	185.35M	184.36M	183.87M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	47.18M	53.36M	55.80M	53.10M	48.30M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	47.22M	30.71M	71.83M	69.69M	66.67M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	10.48M	8.20M	17.35M	14.18M	15.53M
Net Income	16.92M	19.26M	18.01M	27.64M	10.91M	18.17M	19.28M	19.85M	18.89M	19.91M	20.00M	20.28M	21.36M	22.88M	25.99M	28.12M	29.81M	29.13M	30.55M	32.38M	10.37M	24.71M	35.11M	39.85M	40.30M	37.43M	39.13M	37.77M	38.97M	33.66M	30.07M	24.61M	33.82M	32.72M	38.10M	36.74M	22.51M	54.47M	55.51M	51.14M
Diluted EPS	0.38	0.44	0.41	0.62	0.25	0.41	0.43	0.45	0.43	0.46	0.46	0.46	0.49	0.52	0.59	0.64	0.68	0.66	0.69	0.73	0.23	0.56	0.80	0.91	0.92	0.86	0.90	0.88	0.90	0.78	0.70	0.54	0.71	0.69	0.80	0.77	0.44	1.03	1.06	0.98

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	111.16M	113.44M	126.01M	134.46M	140.92M	-	515.12M	517.78M	574.44M	694.39M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	21.88M	144.57M	211.55M	209.45M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	196.16M	153.46M	179.46M	219.44M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	44.16M	34.68M	38.82M	50.21M
Net Income	58.35M	52.01M	57.40M	57.90M	54.56M	61.75M	75.07M	76.42M	78.41M	82.15M	112.57M	121.02M	104.39M	-	152.00M	118.78M	140.64M	169.24M
Diluted EPS	1.80	1.53	1.66	1.71	1.62	1.46	1.69	1.72	1.80	1.87	2.56	2.74	2.37	-	3.52	2.65	2.97	3.33

Compounded Sales Growth

5 Years:	10.47%
1 Year:	21.60%

Compounded Profit Growth

5 Years:	3.65%
1 Year:	27.30%

Stock Price Performance

1 Year:	+14.32%
6 Months:	+11.13%
3 Months:	+9.19%
1 Month:	+5.84%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2007	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	5.46B	5.34B	5.60B	6.04B	7.65B	7.81B	8.26B	8.87B	9.14B	9.56B	9.72B	10.93B	12.01B	11.74B	13.31B	13.79B	16.00B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	162.95M	110.40M	187.16M	168.79M	129.38M	163.67M	158.93M	146.64M	140.30M	149.18M	159.66M	180.96M	216.84M	672.68M	-	197.35M	205.19M	284.06M	487.12M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total Liabilities	-	-	4.96B	4.81B	5.06B	5.46B	6.84B	6.94B	7.38B	7.95B	8.18B	8.54B	8.60B	9.75B	10.76B	10.57B	11.88B	12.26B	14.10B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	554.70M	369.87M	370.34M	367.49M	308.82M	130.94M	130.45M	104.09M	88.87M	73.72M	-	-	-	202.94M	250.74M	252.04M	179.35M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	701.94M	543.74M	268.04M	179.35M
Total Equity	397.30M	431.85M	505.12M	533.57M	538.11M	582.27M	816.57M	864.18M	882.00M	913.32M	958.18M	1.02B	1.12B	1.19B	1.25B	1.17B	1.43B	1.53B	1.90B
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	49.65M	53.97M	53.97M	59.08M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	87.28M	54.68M	89.44M	83.77M	88.85M	119.30M	-	124.50M	110.56M	136.90M	147.77M	153.46M	145.27M	-	183.22M	157.46M	188.57M	235.22M
Investing Cash Flow	-216.58M	-28.45M	58.49M	-175.50M	-126.85M	-183.75M	-	-504.00M	-629.96M	-305.19M	-417.62M	-64.34M	-712.59M	-	-926.22M	-44.23M	-399.16M	169.07M
Financing Cash Flow	76.75M	50.53M	-166.30M	52.32M	72.28M	59.71M	-	373.17M	528.28M	178.77M	291.14M	-53.23M	1.02B	-	-328.73M	-105.39M	289.46M	-201.23M
Capital Expenditure	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-7.01M	-9.25M	-11.74M	-16.30M
Free Cash Flow	-	-	-	-	-	-	-	-	-	-	-	-	-	-	176.21M	148.20M	176.82M	218.92M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-1.07B	7.84M	78.87M	203.06M
Share Buybacks	-	0	477.00K	30.50M	15.49M	12.46M	72.00K	26.80M	17.19M	0	0	0	7.98M	21.71M	14.71M	4.94M	251.00K	10.19M

Ratios (Annual)

Figures in %.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	70.5%	72.4%	89.3%	90.0%	74.1%	-	29.5%	22.9%	24.5%	24.4%
ROE %	13.5%	10.3%	10.8%	10.8%	9.4%	7.6%	8.7%	8.7%	8.6%	8.6%	11.1%	10.8%	8.8%	-	13.0%	8.3%	9.2%	8.9%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

2.82%

Institutions

65.47%

Public Float

67.37%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	14.23%	7.40M	$342.18M
2	Vanguard Portfolio Management LLC	6.68%	3.48M	$160.69M
3	State Street Corporation	4.78%	2.49M	$114.97M
4	Dimensional Fund Advisors LP	4.48%	2.33M	$107.78M
5	Vanguard Capital Management LLC	4.33%	2.25M	$104.18M
6	Geode Capital Management, LLC	2.56%	1.33M	$61.49M
7	Silvercrest Asset Management Group, LLC	1.33%	692.78K	$32.03M
8	Northern Trust Corporation	1.31%	683.48K	$31.60M
9	Victory Capital Management Inc.	1.29%	669.85K	$30.97M
10	Charles Schwab Investment Management, Inc.	1.18%	615.59K	$28.46M

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NBTB · Financial Services

NBT Bancorp Inc.

About

Key Facts

Sector	Financial Services
Industry	Banks - Regional
Headquarters	United States
Employees	2,303
Website	https://www.nbtbancorp.com

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NBT Bancorp Inc. NBTB R2K

Market & Price

Valuation

Profitability & Returns

Balance Sheet & Liquidity

Ownership

Financial Snapshot

Growth (CAGR)

PROS

CONS

Price Chart

Technical Trend

Fundamental Growth

Peer comparison

Quarterly Results

Profit & Loss (Annual)

Compounded Sales Growth

Compounded Profit Growth

Stock Price Performance

Balance Sheet (Annual)

Cash Flows (Annual)

Ratios (Annual)

Shareholding Pattern

Top Institutional Holders

Analyst View

Latest News

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