Inside the research
NBT Bancorp Inc.
NBTB Research profile · latest available data
Price overview
$51.57
▲ +0.44 (+0.9%)
| 52w hi | $53.84 |
|---|---|
| 52w lo | $37.98 |
| Vol | 388.80K |
| As of | 25 Sep 2026 |
The Verdict
Our score +0.43
| Short | +0.34 |
|---|---|
| Medium | +0.43 |
| Long | +0.60 |
computed 2026-09-27
Key fundamentals
NBT Bancorp Inc.
Financial Services · Banks - Regional
| Market cap | $2.68B |
|---|---|
| Enterprise value | $2.86B |
| Trailing P/E | 12.55x |
| Forward P/E | 11.32x |
| P / S (ttm) | 3.70x |
| Profit margin | 29.6% |
| Return on equity | 11.4% |
| Revenue growth | +17.8% |
| Earnings growth | +131.8% |
Layer Breakdown
| Layer | Raw | Contribution |
|---|---|---|
| Fundamental | +0.42 | |
| Sector | +0.02 | |
| Technical | +0.17 | |
| Earnings | +0.00 | |
| Sentiment | +0.17 |
macro × 1.00 · 2026-09-27
Business overview
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.
Risk Metrics
| Beta vs SPX | 0.75 |
|---|---|
| Corr SPX | 0.45 |
| Annual vol | 26.8% |
| Annual ret | +10.1% |
| Sharpe | 0.38 |
| Max DD | -26.2% |
Window: 504 trading days (504 obs)
Material Events
| Date | Event | 8-K |
|---|---|---|
| 2026-07-27 | Earnings Release, Exhibits | read |
| 2026-05-19 | Shareholder Vote, Reg FD Disclosure… | read |
| 2026-05-18 | Reg FD Disclosure | read |
| 2026-05-04 | Reg FD Disclosure | read |
| 2026-04-23 | Earnings Release, Exhibits | read |
| 2026-02-10 | Reg FD Disclosure | read |
| 2026-01-26 | Earnings Release, Officer / Director Change… | read |
| 2025-11-04 | Reg FD Disclosure | read |
| 2025-10-27 | Earnings Release, Exhibits | read |
| 2025-08-29 | Reg FD Disclosure | read |
| 2025-07-28 | Earnings Release, Exhibits | read |
| 2025-05-20 | Officer / Director Change, Shareholder Vote… | read |
Insider Trades
| Date | Insider | Role | Action | Shares | Value |
|---|---|---|---|---|---|
| 2026-07-29 | Mahoney Ruth H | EVP/President of Wealth M | Sell | 4.50K | $244.35K |
| 2026-07-29 | Halliday Sarah A | EVP/Chief Comm Innovation | Sell | 9.00K | $486.40K |
| 2026-06-12 | Sparks Martin Randolph | EVP,General Counsel,Secre | Sell | 1.20K | $57.65K |
| 2026-06-12 | Hoeller Heidi M | Sell | 2.10K | $100.87K | |
| 2026-06-09 | WATT JOHN H JR | Sell | 21.00K | $995.75K | |
| 2026-06-05 | Mahoney Ruth H | EVP/President of Wealth M | Sell | 5.00K | $233.00K |
| 2026-05-19 | WATT JOHN H JR | Grant | 1.05K | — | |
| 2026-05-19 | Kowalczyk Andrew S III | Grant | 1.05K | — | |
| 2026-05-19 | Ames Johanna R | Grant | 1.05K | — |
Flow & Concentration
| Insider 180d net | -$2.12M |
|---|---|
| Insider buys / sells | 0 / 6 |
| Insider bias | Sellers |
| 13F holders | 6 |
| Top-5 share | 100.0% |
| HHI | 4,106 (concentrated) |
Top Holders
| Holder | Value | Shares |
|---|---|---|
| State Street Corp | $134.85M | 2.73M |
| Fidelity / FMR LLC | $85.80M | 1.74M |
| Citadel Advisors | $10.82M | 219.09K |
| Capital Research / Capital World | $10.62M | 215.14K |
| AQR Capital Management | $8.83M | 178.84K |
| T. Rowe Price Group | $4.04K | 81.75K |
As of 2026-06-30
SEC Filings
The Long Run
FY 2010–2025 · 16 years
| Line | Latest | CAGR | Trend |
|---|---|---|---|
| Revenue | $182.95M | +5.5% | |
| Net income | $169.24M | +7.5% | |
| Cash from ops | $235.22M | +8.4% |
Indices
Recent Sessions
| Date | Open | High | Low | Close | Vol |
|---|---|---|---|---|---|
| Sep 25 | $51.29 | $51.70 | $51.17 | $51.57 | 388.80K |
| Sep 24 | $50.74 | $51.31 | $50.44 | $51.13 | 326.20K |
| Sep 23 | $50.87 | $51.00 | $50.42 | $50.48 | 264.70K |
| Sep 22 | $51.25 | $51.54 | $50.69 | $50.85 | 344.60K |
| Sep 21 | $51.52 | $51.82 | $51.14 | $51.22 | 342.60K |
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