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StockVS

NASDAQ · Banks - Regional · USD

NBT Bancorp Inc. (NBTB) Stock Analysis

NBT Bancorp Inc. (NBTB) is a Banks - Regional stock listed on NASDAQ and quoted in US Dollar.

Last Updated: October 21, 2026

NBTB

$51.45

−$0.13 (−0.25%)

Oct 21, 2026 · Market close

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Price History

Hover for the daily close. The dotted line marks the period open.

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NBTB Key Statistics

As of Oct 21, 2026
Trading
Open
$51.79
Previous Close
$51.58
Day's Range
51.09–51.79
52-Week Range
39.45–54.50
Volume
255.29K
BetaHow much the share price moves relative to the wider market. 1.0 moves in line with it; above 1.0 swings more, below 1.0 less.
0.50
Valuation
Market Cap
$2.67B
P/E Ratio
12.58
Forward P/EShare price divided by forecast earnings for the year ahead, rather than the year just past.
11.27
PEG RatioThe P/E ratio divided by the expected earnings growth rate. It puts a high P/E in the context of how fast profits are growing.
2.66
P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
3.69
EPS (ttm)Profit attributable to each share over the last twelve months.
4.09
Financials (FY)
Revenue (FY)
$694.39M+20.88%
Net Income (FY)
$169.24M+20.33%
Profit marginThe share of revenue left as profit after all costs and taxes.
29.59%
Shares OutstandingThe total number of shares held by all investors. Market value is this figure multiplied by the share price.
51.96M
1-Year Return
+29.51%
Dividend and dates
Dividend
$1.60+3.10%
Ex-Dividend Date
September 1, 2026
Earnings Date
October 27, 2026
Avg Volume
330.58K

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

Key facts

As of October 21, 2026, NBTB closed at $51.45, +29.51% over 1 year.

NBT Bancorp Inc. (NBTB) has a market capitalization of $2.67B.

In fiscal 2025, NBTB reported revenue of $694.39M.

NBTB Stock Return by Calendar Year

NBT Bancorp Inc. (NBTB) 10-year return: what $10,000 became

1 year
$10,000 $12,951
+29.51%
5 years
$10,000 $16,184
+61.84%
10 years
$10,000 $20,704
+107.04%

If you had invested $10,000 in NBT Bancorp Inc. (NBTB) 10 years ago, at the close on October 21, 2016, it would have been worth $20,704 at the close on October 21, 2026: +107.04% in total, +7.55% a year, with dividends reinvested. A historical calculation from closing prices adjusted for splits and dividends, before fees and taxes.

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

YearReturn
2026 (partial year)+26.01%
2025−10.19%
2024+17.66%
2023−0.10%
2022+16.03%
2021+23.61%
2020−18.20%
2019+20.59%
2018−3.54%
2017−9.93%
2016 (partial year)+37.68%

As of October 21, 2026.

NBTB Revenue and Earnings by Fiscal Year

FY ends December
Fiscal yearRevenueNet incomeNet margin
2025$694.39M$169.24M24.4%
2024$574.44M$140.64M24.5%
2023$517.78M$118.78M22.9%
2022$515.12M$152.00M29.5%
Fiscal yearRevenueGross profitOperating incomeNet incomeNet margin
2025$694.39M——$169.24M24.4%
2024$574.44M——$140.64M24.5%
2023$517.78M——$118.78M22.9%
2022$515.12M——$152.00M29.5%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

NBTB Dividend History

$1.42+7.6% vs 2024

Dividends per share, 2025 · 4 payments

YearDividends per sharePaymentsChange
2026*$1.143—
2025$1.424+7.6%
2024$1.324+6.5%
2023$1.244+6.9%
YearDividends per sharePaymentsChange
2026 (partial year)$1.143—
2025$1.424+7.6%
2024$1.324+6.5%
2023$1.244+6.9%
2022$1.164+5.5%
2021$1.104+1.9%
2020$1.084+2.9%
2019$1.054+6.1%
2018$0.994+7.6%
2017$0.924+300.0%
2016$0.231—

Most recent payment: $0.38 per share, ex-dividend September 1, 2026. Per-share amounts summed by calendar year from ex-dividend dates. Partial years are shown muted and marked with an asterisk.

NBTB Valuation vs Banks - Regional Median

Median of 326 stocks
MetricNBTBBanks - Regional medianvs median
P/E12.5812.035% above
P/S ratio3.693.583% above
Profit margin29.59%29.44%0.2 pts above

Medians across 326 Banks - Regional stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of October 21, 2026.

Recent News

All 16 articles ↓

News provided by third-party sources. Not financial advice.

Analysis

Data-derived

Company Overview

NBT Bancorp Inc. (NBTB) is capitalised at $2.67B on the latest close. It is classified in the Banks - Regional industry, within the Financial Services sector. The company reports 2,303 employees.

Over the past 52 weeks the price has ranged from $39.45 to $54.50. NBTB last closed at $51.45 on October 21, 2026. That is −$0.13 (−0.25%) against the previous close. The latest close sits 30.42% above that 52-week low.

Financial Health

Fiscal 2025 revenue came to $694.39M. Against the prior fiscal year total of $574.44M, that is a change of +20.88%. The same year closed with net income of $169.24M. That is +20.33% against the prior fiscal year. The reported profit margin is 29.59%. That is 0.2 percentage points above the Banks - Regional median of 29.44%. Earnings per share on a trailing basis come to 4.09.

Across the 4 fiscal years on file, revenue moves from $515.12M in 2022 to $694.39M in 2025. Of those 4 years, 4 report positive net income.

Valuation Assessment

NBTB trades at a trailing price-to-earnings ratio of 12.58. That is 4.57% above the Banks - Regional median of 12.03. The forward P/E on file is 11.27. The PEG ratio, which sets the P/E against expected earnings growth, reads 2.66. The price-to-sales ratio is 3.69. On price-to-sales that is 3.21% above the Banks - Regional median of 3.58. 326 Banks - Regional companies report these metrics, and the medians quoted come from that group.

The trailing one-year total return is +29.51%. Measured over 10 years, that is +7.55% a year compounded. The reported beta is 0.5. Daily returns over the trailing 10 years annualize to a volatility of 29.84%.

Growth & Income

Shareholders receive a dividend, yielding 3.1% on the latest price. That is 0.4 percentage points above the Banks - Regional median yield of 2.68%. At the indicated rate that is $1.60 a share a year. The ex-dividend date on file is September 1, 2026. Dividends are recorded for 11 calendar years; 2026 shows 3 payments totalling $1.14 a share. The year before, 2025, totalled $1.42 a share.

The strongest complete calendar year on file is 2021 at +23.61%; the weakest is 2020 at −18.20%. Of the 9 complete calendar years on file, 4 finished higher. So far in 2026 the total return is +26.01%.

Peer Comparison

NBT Bancorp Inc. (NBTB) operates in the Banks - Regional industry. Here is how it compares to its closest peers by market capitalization:

Company Ticker Market Cap P/E Ratio
NBT Bancorp Inc. NBTB $2.67B 12.6
Mizuho Financial Group, Inc. MFG $120.84B 13.7
HDFC Bank Limited HDB $116.51B 14.6
Itaú Unibanco Holding S.A. ITUB $106.91B 12.4

The Banks - Regional industry average P/E ratio is 12.0x. NBT Bancorp Inc. trades at a P/E of 12.6.

Every figure above is read from this page's own data on each daily rebuild. Informational only, not financial advice. As of October 21, 2026.

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 IBN

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 USB

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About NBT Bancorp Inc.

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.

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