NBTB Company Profile and Key Details

Q: Who are the executives of NBTB?

Ms. Catherine M. ScarlettChief of Staff & Chief Ethics OfficerMr. Scott A. Kingsley CPAExecutive Vice President & Chief Financial OfficerMr. Martin Randolph SparksExecutive Vice President, Gen. Counsel, Chief Ethics Officer & Corporation Sec.Mr. Leonard P. ChinskiSenior Vice President & Director of AuditMs. Sarah A. HallidayExecutive Vice President & Pres of Commercial BankingMr. John H. Watt Jr.Pres, Chief Executive Officer & DirectorMs. Shaunastar M. HyleExecutive Vice President of Consumer LendingMs. Amy WilesExecutive Vice President and Chief Credit & Risk OfficerMs. Ruth H. MahoneyEVice President, Pres of Wealth Management & Regional Pres for the Capital District and North CountryMr. Joseph R. StaglianoExecutive Vice President, Pres of Retail Community Banking & Chief Information OfficerMs. Florence R. DollerSenior Vice President & Director of Corporation CommunicationsMs. Annette L. BurnsSenior Vice President & Chief Accounting OfficerMr. Kenneth J. Entenmann C.F.A.Senior Vice President, Director of Wealth Management & Chief Investment Officer

NASDAQ : NBTB

NBT Bancorp

$52.65

-0.28-0.53%

At Close 4:00 PM

59.35

BESG ScoreESG Rating

Profile Key Stats Analyst Ratings Ownership Ratios Financials Dividend & splits Sentiment Forecast

Price Chart

Stock Price Today

NBT Bancorp Inc. (NBTB) stock declined over -0.53%, trading at $52.65 on NASDAQ, down from the previous close of $52.93. The stock opened at $52.90, fluctuating between $52.34 and $53.10 in the recent session.

Stock Snapshot

52.93

Prev. Close

2.74B

Market Cap

52.34

Day Low

13.33

P/E Ratio

3.95

EPS (TTM)

3.17

Cash Flow per Share

52.9

Open

52.01M

Number of Shares

53.1

Day High

97.39%

Free Float in %

30.26

Book Value

449.11K

Volume

Relevant Articles

SEC Fillings

Current Report (8-k)

Filing Date	Accepted Date

Annual Report (10-k)

Filing Date	Accepted Date

Stock Price History Chart

Date	Open	High	Low	Close	Volume
Jul 31, 2026	52.98	53.10	52.34	52.65	456.67K
Jul 30, 2026	53.85	54.39	52.87	52.93	407.25K
Jul 29, 2026	53.45	54.50	52.45	54.26	752.3K
Jul 28, 2026	52.23	54.02	51.23	53.64	471.54K
Jul 27, 2026	52.66	53.03	52.38	52.52	471.73K
Jul 24, 2026	51.73	52.58	51.60	52.38	408.96K
Jul 23, 2026	51.19	51.37	50.74	51.32	448.84K
Jul 22, 2026	52.11	52.39	51.28	51.73	391.37K
Jul 21, 2026	52.32	52.74	51.59	52.08	441.39K
Jul 20, 2026	52.48	52.76	52.15	52.33	392.35K
Jul 17, 2026	52.83	53.22	52.19	52.45	615.11K
Jul 16, 2026	51.30	53.33	51.26	53.18	475.68K
Jul 15, 2026	50.67	51.61	50.47	51.30	338.88K
Jul 14, 2026	50.61	50.90	50.27	50.64	442.46K
Jul 13, 2026	50.38	50.86	50.15	50.61	291.72K
Jul 10, 2026	49.95	50.69	49.77	50.28	248.97K
Jul 09, 2026	49.17	50.18	49.14	49.95	269.56K
Jul 08, 2026	49.48	49.48	48.65	49.05	509.44K
Jul 07, 2026	50.35	50.65	49.56	49.63	368.1K
Jul 06, 2026	49.99	50.71	49.56	50.16	303.07K

Contact Details

Norwich, NY 13815

United States

https://www.nbtbancorp.com 607 337 2265

About Company

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.

Stock Peers

FCNCA

30.42+1.41%

First Citizens BancShares, Inc.$2,186.65 HIFS

2.2+0.78%

Hingham Institution for Savings$285.18 CATC

Cambridge Bancorp$220.00 BPOP

0.07999512+0.05%

Popular, Inc.$175.21 WTFC

-0.11-0.07%

Wintrust Financial Corporation$159.54 BFC

1.45+0.96%

Bank First Corporation$152.74 UMBF

0.22+0.15%

UMB Financial Corporation$145.73 CHCO

0.61+0.42%

City Holding Company$145.11 BOKF

0.22+0.16%

BOK Financial Corporation$141.29 ESQ

-0.405-0.31%

Esquire Financial Holdings, Inc.$129.22

Company Overview

NBT Bancorp Inc. (NASDAQ:NBTB) closed at $52.65 USD, losing -$0.28 (-0.53%) from the previous close of $52.93. The stock is currently within 5% of its 52-week high $39.20 and $54.50. With a market capitalization of about $2.74 billion, NBT Bancorp Inc. is classified as a mid-cap and shows lower-than-market volatility (beta ~0.49). Key stats such as the average daily volume over the past year has been around 373.28 thousand shares, in line with its 52-week average. Headquartered in Norwich, NY, NBT Bancorp Inc. operates in the Financial Services sector and the Banks - Regional industry. Led by CEO Scott A. Kingsley, the company employs approximately 2,303 people and listed since March 17, 1992. NBT Bancorp Inc., a financial holding company, provides personal and commercial banking, retail banking, and wealth management services in the United States.

Technical Performance

Short-term trend indicators are bearishly aligned (SMA20 -1.83%, SMA50 1.0%, SMA200 4.38%). The stock’s 14-day RSI is 48.5 (neutral), while the ATR of 1.33 points to higher daily volatility. The stock remains sitting in the mid-range of its 52-week band, trading -7.26% below its high and over 19.14% above its low. Average 10-day trading volume of 472.23 thousand shares is slightly above the 3-month average of 371.85 thousand, indicating heightened recent market interest.

Valuation Metrics

NBT Bancorp Inc. trades at a P/E ratio of 12.84, slightly below the S&P 500 average, with a price-to-sales ratio of 2.9 and a price-to-book ratio of 1.41 suggesting the stock is closer to book value. The P/FCF stands at 11.64, also below market averages.

Dividend & Fair Value

NBT Bancorp Inc. last paid a dividend of 1.48 per share, this equals a trailing yield of roughly 2.63%. Dividend and splits history remains an important factor for investors monitoring long-term returns. A discounted cash flow model estimates fair value at around $81.56. This means the shares are trading below this model’s fair value.

Earnings & Analyst Outlook

NBT Bancorp Inc. generated EPS of $3.31 over the past year. Five-year average earnings growth is 7.01%. The latest quarter delivered EPS of $1.01. The next quarter is forecast at $0.98. Next year's EPS is expected at -$3.49. Analyst sentiment is bullish. Analyst rating data shows there are 1 Strong Buy ratings, 4 Buy ratings, 1 Hold ratings, 0 Sell rating and 0 Strong Sell ratings. Price targets range from $59.00 to $52.00. The high target offers 12.06% upside. The low target suggests -1.23% downside. The mean target is $55.17. This offers 4.79% upside. NBT Bancorp Inc. earnings surprise history is a mixed track record. The quarter that ended July 27, 2026, missed forecasts by -0.98%. The prior quarter beat by -1.02%. Over the last six quarters, Apple has recorded several small beats. These include 5.26% in April 24, 2025.

Shareholding & Insider Activity

NBT Bancorp Inc. has 52.01 million shares outstanding. The public float is 50.99 million shares, elevated short interest at 4.70% of float. This equals 1.79 million shares. The short ratio is 4.48 days. Institutional investors hold 67.48% of the float. Insiders own 2.85%. Robinson V Daniel II holds 387.56 thousand shares, DIETRICH MARTIN A has 108.98 thousand shares and NASCA DAVID J has 82.91 thousand shares. Over the past six months, insider transactions show net selling. They sold 49.64 thousand shares across 8 transactions.

Financial & Profitability Overview

Over the trailing twelve months, NBT Bancorp generated $665.04M in revenue, or $14.85 per share. Gross margin was 99.99%, operating margin -2.64%, and net profit margin 17.86%. Returns are modest, with ROA at 0.89% and ROE at 8.33%.
On valuation metrics, NBT Bancorp trades at a P/E of 12.84, P/S of 2.90 and P/B of 1.41. Liquidity is tight, with a current ratio of 0.59 and quick ratio of 0.59. Debt-to-equity is 0.24, supported by a cash flow-to-debt ratio of 0.52.

Quarterly Financial Highlights

For the quarter ended Dec 31, 2023, NBT Bancorp posted revenue of $665.04M, down slightly from $515.12M in the prior quarter. Gross profit was $664.97M (margin 99.99%). Operating income was - $17.54M (margin -2.6%). Net income was$118.78M (EPS $2.67).
The company ended the quarter with - $173.81M in cash and short-term investments, a total debt of $665.61M, and net debt of $460.42M. Total assets were $13.31B, with equity of $1.43B. Financials further reflected stability, with operating cash flow of $159.45M, free cash flow of $150.19M, and capital expenditures of - $9.25M.

Price Forecast & Outlook

Our AI price prediction model suggests that NBT Bancorp Inc. stock has strong potential for upside but may face short-term weakness followed by gains in the medium and long term. 2-Week Outlook: Projected increase of 5.55%, with price expected at $55.57 by August 13, 2026, within a range of $54.68 to $56.40 3-Month Outlook: Projected rise of 16.68%, reaching $61.43 by October 28, 2026, with a range of $57.08 to $65.22. 1-Year Outlook: Projected gain of 9.46%, with price at $57.63 by July 30, 2027, within a range of $56.23 to $58.94.

Key Takeaways

NBT Bancorp Inc. (NASDAQ:NBTB) shares are flat 3.73% year-to-date currently trading near 52-week highs band. Short-term momentum has been positive over the last quarter, despite recent volatility. Valuation shows NBT Bancorp Inc. trading at a premium to the broader market with a P/E of 12.84. Analyst sentiment is cautious, with the majority of ratings in Equal-Weight territory and a mean price target of $46.75, suggesting -11.21% downside. Our AI forecast model points to short-term strength (5.55% over two weeks), a medium-term rise (16.68% over three months), and a longer-term gain (9.46% over one year), with expected trading ranges indicating moderate volatility.

Frequently Asked Questions

What is the current NBT Bancorp Inc. (NBTB) stock price?

NBT Bancorp Inc. (NASDAQ: NBTB) stock price is $52.65 in the last trading session. During the trading session, NBTB stock reached the peak price of $53.10 while $52.34 was the lowest point it dropped to. The percentage change in NBTB stock occurred in the recent session was -0.53% while the dollar amount for the price change in NBTB stock was - $0.28.

NBTB's industry and sector of operation?

The NASDAQ listed NBTB is part of Banks - Regional industry that operates in the broader Financial Services sector. NBT Bancorp Inc. designs, manufactures, and markets smartphones, personal computers, tablets, wearables, and accessories worldwide.

Who are the executives of NBTB?

Ms. Catherine M. Scarlett
Chief of Staff & Chief Ethics Officer
Mr. Scott A. Kingsley CPA
Executive Vice President & Chief Financial Officer
Mr. Martin Randolph Sparks
Executive Vice President, Gen. Counsel, Chief Ethics Officer & Corporation Sec.
Mr. Leonard P. Chinski
Senior Vice President & Director of Audit
Ms. Sarah A. Halliday
Executive Vice President & Pres of Commercial Banking
Mr. John H. Watt Jr.
Pres, Chief Executive Officer & Director
Ms. Shaunastar M. Hyle
Executive Vice President of Consumer Lending
Ms. Amy Wiles
Executive Vice President and Chief Credit & Risk Officer
Ms. Ruth H. Mahoney
EVice President, Pres of Wealth Management & Regional Pres for the Capital District and North Country
Mr. Joseph R. Stagliano
Executive Vice President, Pres of Retail Community Banking & Chief Information Officer
Ms. Florence R. Doller
Senior Vice President & Director of Corporation Communications
Ms. Annette L. Burns
Senior Vice President & Chief Accounting Officer
Mr. Kenneth J. Entenmann C.F.A.
Senior Vice President, Director of Wealth Management & Chief Investment Officer

How NBTB did perform over past 52-week?

NBTB's closing price is 34.31% higher than its 52-week low of $39.20 where as its distance from 52-week high of $54.50 is -3.39%.

How many employees does NBTB have?

Number of NBTB employees currently stands at 2,303.

Link for NBTB official website?

Official Website of NBTB is: https://www.nbtbancorp.com

How do I contact NBTB?

NBTB could be contacted at phone 607 337 2265 and can also be accessed through its website. NBTB operates from 52 South Broad Street, Norwich, NY 13815, United States.

How many shares of NBTB are traded daily?

NBTB stock volume for the day was 449.11K shares. The average number of NBTB shares traded daily for last 3 months was 373.28K.

What is the market cap of NBTB currently?

The market value of NBTB currently stands at $2.74B with its latest stock price at $52.65 and 52.01M of its shares outstanding.

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Employees	2303
Beta	0.49
Sales or Revenue	$665.04M
5Y Sales Change%	0.398%
Fiscal Year Ends	December
Sector	Financial Services
Industry	Banks - Regional

NBTB Company Profile and Key Details

NBT Bancorp

Price Chart

Stock Price Today

Stock Snapshot

Relevant Articles

SEC Fillings

Current Report (8-k)

Annual Report (10-k)

Stock Price History Chart

Contact Details

About Company

Company Information

Stock Peers

Company Overview

Technical Performance

Valuation Metrics

Dividend & Fair Value

Earnings & Analyst Outlook

Shareholding & Insider Activity

Financial & Profitability Overview

Quarterly Financial Highlights

Price Forecast & Outlook

Key Takeaways

Frequently Asked Questions

Technical Performance

Shareholding & Insider Activity

Earnings & Analyst Outlook

Dividend & Fair Value

Company Overview

Financial & Profitability Overview

Quarterly Financial Highlights

Valuation Metrics

Key Takeaways

Price Forecast & Outlook