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Ticker
NBTB

Price
41.28
Stock movement up
+0.18 (0.43%)
Company name
NBT Bancorp Inc
Exchange
(NASDAQ
,
Currency
USD
)
Sector
Financial Services >
Banks - Regional
Market cap
2.18B
Ent value
16.20B
Price/Sales
2.98
Price/Book
-
Div yield
3.55%
Div growth
5.63%
Growth years
8
FCF payout
-
Trailing P/E
16.17
Forward P/E
9.87
PEG
3.23
EPS growth
-
1 year return
-14.15%
3 year return
-
5 year return
-
10 year return
-
Last updated: 2025-11-11

DIVIDENDS

Dividend yield - 5y

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Dividend yield data
Dividend per share1.48
Dividend yield3.55%
Payout frequencyQuarterly
Maximum yield3.77%
Average yield3.17%
Minimum yield2.60%
Discount to avg yield10.66%
Upside potential11.94%
Yield as % of max yield94.19%

Yield distribution (inverse percentile) - 5y

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Yield distribution data
Dividend yield3.55%
Current yield distribution12.77%
Yield at 100% (Min)2.60%
Yield at 90%2.77%
Yield at 80%2.85%
Yield at 50% (Median)3.17%
Yield at 20%3.48%
Yield at 10%3.58%
Yield at 0% (Max)3.77%

Dividend per share

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Dividend per share data
Years of growth8 years
CCC statusDividend Challenger
Dividend per share1.48
Payout frequencyQuarterly
Ex-div date1 Dec 2025
EPS (TTM)-
EPS (1y forward)4.22
EPS growth (5y)-
EPS growth (5y forward)5.00%

Dividend growth

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Dividend growth data
NBTBS&P500
DGR MR8.82%-13.74%
DGR TTM7.58%6.60%
DGR 3 years6.97%7.31%
DGR 5 years5.63%4.69%
DGR 10 years5.02%6.30%
DGR 15 years3.90%8.16%
Time since last change announced117 days
EPS growth (5y)-
EPS growth (5y forward)5.00%

Payout ratio

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Payout ratio data
EPS coverageFCF coverage
TTM--
Average26.52%-
Forward35.03%-

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VALUATION

Valuation Ratios

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Valuation Ratios data
Trailing P/E16.17
Price to OCF12.55
Price to FCF13.36
Price to EBITDA20.19
EV to EBITDA149.74

Valuation (Sales/Book Value)

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Valuation (Sales/Book Value) data
Price to Sales2.98
Price to Book-
EV to Sales22.13

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FINANCIALS

Per share

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Per share data
Current share count52.39M
EPS (TTM)-
FCF per share (TTM)-

Income statement

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Income statement data
Revenue (TTM)-
Gross profit (TTM)-
Operating income (TTM)-
Net income (TTM)-
EPS (TTM)-
EPS (1y forward)4.22

Margins

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Margins data
Gross margin (TTM)-
Operating margin (TTM)-
Profit margin (TTM)-

Balance Sheet

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Balance Sheet data
Cash245.76M
Net receivables0.00
Total current assets2.06B
Goodwill454.07M
Intangible assets61.02M
Property, plant and equipment0.00
Total assets16.11B
Accounts payable0.00
Short/Current long term debt183.49M
Total current liabilities138.73M
Total liabilities14.26B
Shareholder's equity0.00
Net tangible assets0.00

Cash flow

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Cash flow data
Operating cash flow (TTM)-
Capital expenditures (TTM)-
Free cash flow (TTM)-
Dividends paid (TTM)-

Financial returns

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Financial returns data
Return on Equity-
Return on Assets-
Return on Invested Capital-
Cash Return on Invested Capital-

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STOCK INFORMATION

Stock chart

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Stock price data
Open41.52
Daily high41.87
Daily low41.31
Daily Volume133K
All-time high52.33
1y analyst estimate48.80
Beta0.52
EPS (TTM)-
Dividend per share1.48
Ex-div date1 Dec 2025
Next earnings date2 Feb 2026

Downside potential

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Downside potential data
NBTBS&P500
Current price drop from All-time high-21.12%-4.13%
Highest price drop-26.20%-19.00%
Date of highest drop11 Apr 20258 Apr 2025
Avg drop from high-14.96%-2.73%
Avg time to new high55 days6 days
Max time to new high227 days89 days
COMPANY DETAILS
NBTB (NBT Bancorp Inc) company logo
Marketcap
2.18B
Marketcap category
Mid-cap
Description
NBT Bancorp Inc., a financial holding company, provides commercial banking, retail banking, and wealth management services. Its deposit products include demand deposit, savings, negotiable order of withdrawal, money market deposit, and certificate of deposit accounts. The company's loan portfolio comprises indirect and direct consumer, home equity, mortgages, business banking loans, and commercial loans; commercial and industrial, commercial real estate, agricultural, and commercial construction loans; and residential real estate loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan administration and record keeping services. In addition, the company offers insurance products comprising personal property and casualty, business liability, and commercial insurance, as well as other products and services through 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 operates in 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.
Employees
2083
Investor relations
SEC filings
CEO
John H. Watt
Country
USA
City
Norwich
Stock type
Common stock
CCC status
Dividend Challenger
Dividend Frequency
Quarterly
EVENTS AND PRESENTATIONS
EventsPresentations
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UNDERSTAND THE BUSINESS
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