Stock Fundamentals

Company Information

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Company Name
NBT Bancorp Inc
Sector
Financial Services
Industry
Banks - Regional
Exchange
NASDAQ
ISIN: US6287781024
CIK: 0000790359
CUSIP: 628778102
Currency: USD
Full Time Employees: 2,083
Phone: 607 337 2265
Website: https://www.nbtbancorp.com
Fiscal Year End: December
IPO Date: Mar 17, 1992
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.

Address:

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

Directors & Officers

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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
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
Ms. Shauna M. Hyle Executive Vice President of Retail Community Banking NA

Institutional Holders

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Holder Name Shares Date Reported % Out Value % Change
BlackRock Inc 7.25M Sep 30, 2025 13.86% $0.01 -2.43%
Vanguard Group Inc 6.05M Dec 31, 2025 11.56% $0.00 -0.23%
State Street Corp 2.41M Sep 30, 2025 4.61% $0.00 -4.74%
Dimensional Fund Advisors, Inc. 2.30M Dec 31, 2025 4.40% $0.02 0.35%
Geode Capital Management, LLC 1.27M Sep 30, 2025 2.43% $0.00 -1.93%
Silvercrest Asset Management Group LLC 725.58K Dec 31, 2025 1.39% $0.21 -14.34%
Northern Trust Corp 706.95K Sep 30, 2025 1.35% $0.00 -2.23%
JPMorgan Chase & Co 669.83K Sep 30, 2025 1.28% $0.00 153.42%
Victory Capital Management Inc. 650.13K Sep 30, 2025 1.24% $0.02 1.13%
Charles Schwab Investment Management Inc 613.70K Dec 31, 2025 1.17% $0.00 -1.54%
Bank of New York Mellon Corp 503.97K Sep 30, 2025 0.96% $0.00 -1.97%
DePrince Race & Zollo Inc 496.09K Dec 31, 2025 0.95% $0.39 -18.79%
Morgan Stanley - Brokerage Accounts 458.17K Sep 30, 2025 0.88% $0.00 -7.01%
Manufacturers Life Insurance Co 431.94K Dec 31, 2025 0.83% $0.01 -2.63%
Fuller & Thaler Asset Management Inc 405.02K Sep 30, 2025 0.77% $0.06 0.01%
Ceredex Value Advisors LLC 327.70K Sep 30, 2025 0.63% $0.32 -1.97%
Principal Financial Group Inc 252.91K Sep 30, 2025 0.48% $0.01 -2.49%
NBT Bank National Association 248.69K Sep 30, 2025 0.48% $0.73 -7.49%
Millennium Management LLC 248.05K Sep 30, 2025 0.47% $0.00 564.11%
PL Capital Advisors, LLC 208.03K Dec 31, 2025 0.40% $2.72 -28.52%

Shares Statistics

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Shares Outstanding: 52.32M
Shares Float: 51.00M
% Insiders: 367.80%
% Institutions: 6,507.60%
Short % Float: 1.99%

🏆 Top 10 Institutional Holders

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Rank Holder Name Shares Held % of Shares Change Date Reported
1 BlackRock Inc 7.25M 13.86% ▼ 2.43% Sep 30, 2025
2 Vanguard Group Inc 6.05M 11.56% ▼ 0.23% Dec 31, 2025
3 State Street Corp 2.41M 4.61% ▼ 4.74% Sep 30, 2025
4 Dimensional Fund Advisors, Inc. 2.30M 4.40% ▲ 0.35% Dec 31, 2025
5 Geode Capital Management, LLC 1.27M 2.43% ▼ 1.93% Sep 30, 2025
6 Silvercrest Asset Management Group LLC 725.58K 1.39% ▼ 14.34% Dec 31, 2025
7 Northern Trust Corp 706.95K 1.35% ▼ 2.23% Sep 30, 2025
8 JPMorgan Chase & Co 669.83K 1.28% ▲ 153.42% Sep 30, 2025
9 Victory Capital Management Inc. 650.13K 1.24% ▲ 1.13% Sep 30, 2025
10 Charles Schwab Investment Management Inc 613.70K 1.17% ▼ 1.54% Dec 31, 2025

Valuation Metrics

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Enterprise Value: $2.08B
Trailing P/E: 12.83
Forward P/E: 13.40

Financial Highlights

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Market Cap: $2.24B
P/E Ratio: $12.83
PEG Ratio: $3.82
Book Value: $36.21
Dividend/Share: $1.42
Dividend Yield: 3.19%
Earnings/Share: $3.33
Profit Margin: 24.95%
Operating Margin: 40.28%
ROA (TTM): 1.14%
ROE (TTM): 9.89%
Revenue (TTM): $678.34M
Revenue/Share (TTM): $13.39
Earnings Growth (YOY): 39.50%
Revenue Growth (YOY): 24.00%

Stock Price History

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1 Year Price History

2 Years Price History

5 Years Price History

10 Years Price History

Download Financials (Excel)

Financial Charts

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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

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Financial Ratios (Yearly)

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Financial Ratios (Quarterly)

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Earnings History

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Balance Sheet (Yearly)

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Financial Ratios

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Date Current Ratio Debt/Equity Debt/Assets Interest Coverage Debt/EBITDA
2025-12-31 13.83x 0.08x 0.88x 1.05x 0.67x
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

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

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