Stock Fundamentals

Company Information

Company Name
NBT Bancorp Inc
Sector
Financial Services
Industry
Banks - Regional
Exchange
NASDAQ
ISIN: US6287781024
CIK: 0000790359
CUSIP: 628778102
Currency: USD
Full Time Employees: 2,303
Phone: 607 337 2265
Fiscal Year End: December
IPO Date: Mar 17, 1992
Description:

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.

Address:

52 South Broad Street, Norwich, NY, United States, 13815

Directors & Officers

Name Title Year Born
Mr. Scott A. Kingsley CPA President, CEO & Director 1965
Ms. Annette L. Burns Executive VP & CFO 1973
Mr. Joseph R. Stagliano Senior Executive Vice President 1969
Ms. Amy C. Wiles Executive VP and Chief Credit & Risk Officer 1959
Ms. Ruth Halley Mahoney Executive VP & President of Wealth Management 1968
Amy S. Hurta Senior VP & Senior Director of Operations NA
Mr. Kenneth J. Entenmann C.F.A. Senior VP, Chief Investment Officer & Chief Economist NA
Mr. Martin Randolph Sparks Executive VP, General Counsel, Chief Ethics Officer & Corporate Secretary 1959
Ms. Florence R. Doller Senior VP & Director of Corporate Communications NA
Ms. Cynthia A. Smaniotto Executive VP & Chief Human Resources Officer NA

Insider Trading

Date Insider Name Title Transaction Type Shares Price Value
Feb 17, 2026 Amy Wiles N/A Sale 4.44K $45.72 $202.77K
Jan 28, 2026 Timothy E Delaney N/A Purchase 22.73K $42.97 $976.71K
Nov 06, 2025 Timothy E Delaney N/A Purchase 10.00K $40.98 $409.80K
Oct 31, 2025 Timothy E Delaney N/A Purchase 2.00K $40.50 $81.00K
Aug 13, 2025 David J Nasca N/A Sale 19.60K $43.42 $851.16K
Jun 03, 2025 Jason David Brown N/A Purchase 350.00 $41.10 $14.39K
May 28, 2025 John H Watt Jr N/A Sale 7.87K $42.02 $330.66K
May 06, 2025 Heidi M Hoeller N/A Purchase 2.59K $42.88 $110.97K
Apr 29, 2025 Heidi M Hoeller N/A Purchase 2.55K $43.21 $110.32K

Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
BlackRock Inc 7.40M Mar 31, 2026 14.23% $0.01 -0.03%
Vanguard Group Inc 6.05M Dec 31, 2025 11.63% $0.00 -0.23%
Vanguard Portfolio Management, LLC 3.48M Mar 31, 2026 6.68% $0.01 0.00%
State Street Corp 2.49M Mar 31, 2026 4.78% $0.00 2.20%
Dimensional Fund Advisors, Inc. 2.33M Mar 31, 2026 4.48% $0.02 1.31%
Vanguard Capital Management, LLC 2.25M Mar 31, 2026 4.33% $0.00 0.00%
Geode Capital Management, LLC 1.33M Mar 31, 2026 2.56% $0.00 4.47%
Silvercrest Asset Management Group LLC 692.78K Mar 31, 2026 1.33% $0.21 -4.52%
Northern Trust Corp 683.48K Mar 31, 2026 1.31% $0.00 2.12%
Victory Capital Management Inc. 669.85K Mar 31, 2026 1.29% $0.02 1.02%
Charles Schwab Investment Management Inc 615.59K Mar 31, 2026 1.18% $0.00 0.31%
Manufacturers Life Insurance Co 560.26K Mar 31, 2026 1.08% $0.02 29.71%
Bank of New York Mellon Corp 452.92K Mar 31, 2026 0.87% $0.00 -2.18%
Morgan Stanley - Brokerage Accounts 443.60K Mar 31, 2026 0.85% $0.00 -17.23%
Fuller & Thaler Asset Management Inc 403.50K Mar 31, 2026 0.78% $0.06 -50.05%
Nuveen, LLC 372.06K Mar 31, 2026 0.72% $0.00 30.04%
Vanguard Fiduciary Trust Co 337.23K Mar 31, 2026 0.65% $0.00 0.00%
Qube Research & Technologies 295.19K Mar 31, 2026 0.57% $0.01 20.59%
Ceredex Value Advisors LLC 268.25K Mar 31, 2026 0.52% $0.36 -20.69%
The Goldman Sachs Group Inc 260.92K Mar 31, 2026 0.50% $0.00 7.56%

Shares Statistics

Shares Outstanding: 52.01M
Shares Float: 50.99M
% Insiders: 285.00%
% Institutions: 6,543.40%
Short % Float: 4.21%

Fund Holdings

Rank Holder Name Shares Held % of Shares Change Date Reported
1 iShares Core S&P Small-Cap ETF 3.17M 6.10% ▲ 0.04% May 29, 2026
2 Vanguard Total Stock Mkt Idx Inv 1.60M 3.07% ▲ 0.68% Apr 30, 2026
3 iShares Russell 2000 ETF 1.22M 2.35% ▲ 0.93% May 29, 2026
4 Vanguard Small Cap Index 1.14M 2.20% ▼ 0.13% Apr 30, 2026
5 Vanguard Small Cap Value Index Inv 734.66K 1.41% ▲ 0.62% Apr 30, 2026
6 Vanguard Institutional Extnd Mkt Idx Tr 588.27K 1.13% ▲ 0.93% Apr 30, 2026
7 Fidelity Small Cap Index 503.92K 0.97% ▲ 0.30% Mar 31, 2026
8 iShares S&P Small-Cap 600 Value ETF 501.82K 0.96% ▲ 0.00% May 29, 2026
9 State Street SPDR Port S&P 600 Sm CpETF 483.18K 0.93% ▲ 0.00% May 29, 2026
10 iShares Russell 2000 Value ETF 412.98K 0.79% ▲ 0.00% May 29, 2026

Valuation Metrics

Enterprise Value: $2.09B
Trailing P/E: 13.61
Forward P/E: 13.40

Financial Highlights

Market Cap: $2.51B
P/E Ratio: $13.61
PEG Ratio: $2.66
Book Value: $36.81
Dividend/Share: $1.45
Dividend Yield: 3.04%
Earnings/Share: $3.54
Profit Margin: 26.36%
Operating Margin: 40.60%
ROA (TTM): 1.22%
ROE (TTM): 10.55%
Revenue (TTM): $696.57M
Revenue/Share (TTM): $13.43
Earnings Growth (YOY): 27.30%
Revenue Growth (YOY): 21.60%

Stock Price History

1 Year Price History

2 Years Price History

5 Years Price History

10 Years Price History

Financial Charts

Revenue & Net Income (Yearly)

Revenue & Net Income (Quarterly)

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Earnings Per Share (EPS) History

Financial Ratios

Balance Sheet (Yearly)

Financial Ratios

Date Current Ratio Debt/Equity Debt/Assets Interest Coverage Debt/EBITDA
2025-12-31 1.60x 0.17x 0.88x 1.05x 1.36x
2024-12-31 0.04x 0.27x 0.89x 0.85x 2.01x
2023-12-31 0.14x 0.45x 0.89x 1.06x 3.63x
2022-12-31 0.17x 0.67x 0.90x 8.97x 3.66x
2021-12-31 0.29x 0.25x 0.90x 10.64x 1.42x
2020-12-31 0.22x 0.31x 0.89x 4.08x 2.39x
2019-12-31 0.14x 0.68x 0.88x 2.78x 4.30x
2018-12-31 0.14x 1.03x 0.89x 3.55x 6.96x
2017-12-31 0.18x 0.95x 0.90x 4.95x 6.44x
2016-12-31 0.19x 0.97x 0.90x 5.28x 6.73x
2015-12-31 0.19x 0.76x 0.89x 5.66x 5.18x
2014-12-31 0.18x 0.64x 0.89x 4.84x 4.37x
2013-12-31 0.24x 1.05x 0.89x 2.94x 8.31x
2012-12-31 0.27x 1.04x 0.90x 2.20x 6.96x
2011-12-31 22.33x 1.17x 0.90x 1.99x 7.15x
2010-12-31 24.52x 1.13x 0.90x 1.47x 6.97x
2009-12-31 0.04x 1.40x 0.91x 0.94x 8.70x
2008-12-31 0.03x 2.02x 0.92x 0.77x 9.60x
2007-12-31 0.04x 1.86x 0.92x 0.51x 9.34x
2006-12-31 0.03x 1.84x 0.92x 0.64x 8.48x
2005-12-31 0.04x 2.39x 0.92x 0.97x 9.61x
2004-12-31 0.03x 2.07x 0.92x 1.21x 8.49x
2003-12-31 0.04x 2.13x 0.92x 1.09x 8.18x
2002-12-31 0.04x 1.26x 0.92x 0.83x 4.94x
2001-12-31 0.04x 1.41x 0.92x 0.04x 40.09x
2000-12-31 0.04x 1.52x 0.92x 0.16x 13.76x
1999-12-31 0.04x 0.74x 0.92x 0.47x 2.57x
1998-12-31 0.04x 0.74x 0.90x 0.46x 2.44x
1997-12-31 0.03x 1.09x 0.90x 0.54x 5.23x
1996-12-31 0.04x 0.83x 0.91x 0.53x 3.90x
1995-12-31 0.04x 1.07x 0.90x 0.43x 6.55x
1994-12-31 0.05x 1.43x 0.91x 0.39x 9.19x
1993-12-31 0.04x 0.26x 0.89x 0.60x 1.27x
1992-12-31 0.05x 0.17x 0.89x 0.50x 0.80x
1991-12-31 0.08x 0.19x 0.90x 0.27x 1.09x

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