NBT BANCORP INC
NBTBNasdaq
$52.45
↓ -1.4%Jul 17 close · end-of-day
Price
1Y↑ +25.9%
End-of-day closes; the latest point is the live 15-min-delayed price · split & dividend adjusted · chart by TradingView
Key statistics
Market Cap
$2.7B
Enterprise Value
$2.9B
P/E
14.8
P/S
—
P/B
1.4
EV/EBITDA
—
PEG
—
FCF Yield
—
Dividend Yield
2.8%
Revenue (TTM)
—
Net Income (TTM)
$183.6M
Free Cash Flow (TTM)
—
Gross Margin
—
Operating Margin
—
Net Margin
—
ROE
9.6%
ROIC
—
Debt / Equity
0.1
Net Cash
-$117.8M
Return 1Y
+24.0%
Company profile
NBT Bancorp 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 commercial and industrial, commercial real estate, agricultural, and commercial construction loans. It also provides trust and investment services; financial planning and life insurance services.
- CEO
- John H. Watt
- Sector
- Finance, Insurance, And Real Estate
- Industry
- Banking
- Employees
- 1,860
- Headquarters
- New York
- Website
- nbtbancorp.com
Management & directors
- Sparks Martin RandolphEVP,General Counsel,Secretary
- Mahoney Ruth HEVP/President of Wealth Mgmt
- Smaniotto Cynthia AEVP, Chief HR Officer
- Wiles AmyEVP, Chief Risk and Credit
- Halliday Sarah AEVP/Chief Comm Innovation Off
- Burns Annette LEVP & Chief Financial Officer
- Hyle ShaunastarEVP, Retail Community Banking
- Kingsley Scott AllenPresident & CEO NBT Bancorp
- Stagliano Joseph RSEVP & President of NBT Bank
Roles derived from SEC Form 4 filings.
Earnings
NBTB Q1 2026 Earnings
Period ends 2026-03-31
MetricActualYoY
Revenue——
Diluted EPS$0.98↑ +27.3%
Actuals from SEC filings; YoY vs the year-ago quarter. Analyst estimates & surprise require a data feed (coming soon).
Financial statements
| Line item | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Revenue | $140.9M | $151.0M | $150.7M | $144.7M | $165.7M | $183.0M |
| Gross profit | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $104.4M | $154.9M | $152.0M | $118.8M | $140.6M | $169.2M |
| Diluted EPS | $2.37 | $3.54 | $3.52 | $2.65 | $2.97 | $3.33 |
| Operating cash flow | $145.3M | $159.2M | $183.2M | $157.5M | $188.6M | $235.2M |
| Free cash flow | — | — | — | — | — | — |
| Gross margin | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — |
| Net margin | 74.1% | 102.6% | 100.9% | 82.1% | 84.9% | 92.5% |
| Line item | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — |
| Net income | $32.7M | $38.1M | $36.0M | $36.7M | $22.5M | $54.5M | $55.5M | $51.1M |
| Diluted EPS | $0.69 | $0.80 | $0.77 | $0.77 | $0.44 | $1.03 | $1.09 | $0.98 |
| Operating cash flow | $50.5M | $52.1M | $49.2M | $42.0M | $46.5M | $80.6M | $66.1M | $53.0M |
| Free cash flow | — | — | — | — | — | — | — | — |
| Gross margin | — | — | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — | — | — |
| Net margin | — | — | — | — | — | — | — | — |
Company news
Jul 1, 2026
Analyst estimates
Coming soonConsensus revenue & EPS estimates and price targets will appear here once a forward-estimates data feed is connected.
Insider transactions
BoughtSoldMonthly insider $ volume · trailing 12 months
| Date | Insider | Type | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| 2026-06-12 | Hoeller Heidi M | Sale | 2,100 | $48.04 | $100,873.50 | filing |
| 2026-06-12 | Sparks Martin Randolph· EVP,General Counsel,Secretary | Sale | 1,200 | $48.04 | $57,650.04 | filing |
| 2026-06-09 | WATT JOHN H JR | Sale | 21,000 | $47.42 | $995,750.70 | filing |
| 2026-06-05 | Mahoney Ruth H· EVP/President of Wealth Mgmt | Sale | 5,000 | $46.60 | $233,000.00 | filing |
| 2026-05-19 | Kowalczyk Andrew S III | Award | 1,050 | $0.00 | $0.00 | filing |
| 2026-05-19 | Ames Johanna R | Award | 1,050 | $0.00 | $0.00 | filing |
| 2026-05-19 | Brown Jason David | Award | 1,050 | $0.00 | $0.00 | filing |
| 2026-05-19 | Salanger Matthew J | Award | 1,050 | $0.00 | $0.00 | filing |
| 2026-05-19 | WATT JOHN H JR | Award | 1,050 | $0.00 | $0.00 | filing |
| 2026-05-19 | DIETRICH MARTIN A | Award | 1,050 | $0.00 | $0.00 | filing |
| 2026-05-19 | CANTELE RICHARD J JR | Award | 1,050 | $0.00 | $0.00 | filing |
| 2026-05-19 | Hoeller Heidi M | Award | 1,050 | $0.00 | $0.00 | filing |
| 2026-05-19 | Robinson V Daniel II | Award | 1,050 | $0.00 | $0.00 | filing |
| 2026-05-19 | NASCA DAVID J | Award | 1,050 | $0.00 | $0.00 | filing |
| 2026-05-19 | DELANEY TIMOTHY E | Award | 1,050 | $0.00 | $0.00 | filing |
| 2026-05-15 | Wiles Amy· EVP, Chief Risk and Credit | Tax withholding | 2,453 | $44.09 | $108,152.77 | filing |
| 2026-05-15 | Sparks Martin Randolph· EVP,General Counsel,Secretary | Tax withholding | 361 | $44.09 | $15,916.49 | filing |
| 2026-05-15 | Smaniotto Cynthia A· EVP, Chief HR Officer | Tax withholding | 285 | $44.09 | $12,565.65 | filing |
| 2026-05-11 | Halliday Sarah A· EVP/Chief Comm Innovation Off | I | 4,016 | $44.82 | $179,999.88 | filing |
| 2026-03-23 | Stagliano Joseph R· SEVP & President of NBT Bank | Tax withholding | 789 | $41.99 | $33,130.11 | filing |
| 2026-03-23 | Sparks Martin Randolph· EVP,General Counsel,Secretary | Tax withholding | 755 | $41.99 | $31,702.45 | filing |
| 2026-03-23 | Halliday Sarah A· EVP/Chief Comm Innovation Off | Tax withholding | 706 | $41.99 | $29,644.94 | filing |
| 2026-03-23 | Mahoney Ruth H· EVP/President of Wealth Mgmt | Tax withholding | 689 | $41.99 | $28,931.11 | filing |
| 2026-03-23 | Hyle Shaunastar· EVP, Retail Community Banking | Tax withholding | 612 | $41.99 | $25,697.88 | filing |
| 2026-03-23 | Stagliano Joseph R· SEVP & President of NBT Bank | Tax withholding | 246 | $41.99 | $10,329.54 | filing |
Showing the latest 25 transactions — full history in the linked SEC filings.
Fundamentals & filings from SEC EDGAR. Prices adjusted for splits & dividends. Not investment advice.