NBT Bancorp Inc (NBTB)
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This stock currently matches 2 of our scanner strategies — each hit links to the scanner.
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 52.90 $ — 91% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/04/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AAQS
7/10The AAQS (AlleAktien Quality Score) checks 10 quality criteria on growth, profitability, and balance-sheet strength — per the methodology developed and published by AlleAktien, calculated by us from our own fundamental data. A stock counts as a quality stock from 9 out of 10 points. Where a company has a shorter listing history, we calculate over the fiscal years available (at least five).
- Sales growth 10Y > 5% 9.0%
- Exp. sales growth 3Y > 5% -3.9%
- EBIT growth 10Y > 5% 7.1%
- Exp. EBIT growth 3Y > 5% 16.9%
- Net debt < 4x EBIT 0.6x
- EBIT positive, 10Y straight 10
- Max. EBIT decline < 50% 23.2%
- Return on equity > 15% 12.2%
- ROCE > 15% 1.4%
- Expected return > 10% 26.3%
View all AAQS quality stocks · Read the methodology at AlleAktien
Source: fundamental data
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
4 of 10 Weak growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 17.3% passed
- More than 10% revenue growth is expected for the coming year 5.3% failed
- Share count grows by less than 3% a year 5.6% failed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 35.6% failed
- Gross margin at 40% or higher and without meaningful erosion 72.1% failed
- Goodwill from acquisitions does not grow faster than revenue 2.8% passed
- Net debt below twice EBITDA 0.6 x EBITDA passed
- Operating cash flow covers the profits of the last three years 153 m passed
- Return on capital at 15% or higher, or up versus two years ago 1.4% failed
- Insiders hold at least 10% or are net buyers 2.9% failed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Analysts & Price Target
The price target sits 5.5% above the current price.
- Consensus
- Sell
- Analyst Ratings
- 6
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 4.18 | 4.13 – 4.20 | 759 | 9.3% | 6 |
| 12/31/2027 | 4.54 | 4.35 – 4.70 | 800 | 8.8% | 7 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
- Expected Earnings per Share
- 1.10 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.76 | 17.90 | 200 | 5.60 | 18.00 | 49 | 46 |
| 2025: Q1 | 0.78 | 9.20 | 201 | 4.90 | 18.30 | 42 | 38 |
| 2025: Q2 | 0.48 | -30.80 | 224 | 15.90 | 10.00 | 47 | 50 |
| 2025: Q3 | 1.16 | 44.10 | 239 | 18.50 | 22.80 | 81 | 74 |
| 2025: Q4 | 1.06 | 39.40 | 238 | 19.40 | 23.30 | 66 | 62 |
| 2026: Q1 | 0.98 | 25.20 | 233 | 15.70 | 22.00 | 53 | 49 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 399 | 119 | 78 | 1.80 | 110 | 913 | 8,867 |
| 2017 | 425 | 128 | 82 | 1.87 | 137 | 958 | 9,137 |
| 2018 | 465 | 137 | 113 | 2.56 | 148 | 1,018 | 9,556 |
| 2019 | 507 | 155 | 121 | 2.74 | 153 | 1,120 | 9,716 |
| 2020 | 491 | 133 | 104 | 2.37 | 142 | 1,188 | 10,933 |
| 2021 | 495 | 200 | 155 | 3.54 | 158 | 1,250 | 12,012 |
| 2022 | 537 | 196 | 152 | 3.52 | 183 | 1,174 | 11,739 |
| 2023 | 662 | 153 | 119 | 2.65 | 157 | 1,426 | 13,309 |
| 2024 | 786 | 179 | 141 | 2.97 | 189 | 1,526 | 13,787 |
| 2025 | 867 | 219 | 169 | 3.33 | 235 | 1,896 | 15,995 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
NBT Bancorp Inc., eine Finanzholding, bietet Privat- und Firmenkunden-, Privatkundenbankgeschäfte und Vermögensverwaltungsdienste in den USA an.
| Employees | 2,303 |
|---|---|
| Headquarters | Norwich, NY |
| Address | 52 South Broad Street, 13815 Norwich, United States |
| Phone | 607 337 2265 |
| Website | nbtbancorp.com |
| IPO Date | 17. Mar 1992 |
| ISIN | US6287781024 |
| Stock Split | 105:100 on 11/29/1999 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Scott A. Kingsley CPA | President, CEO & Director | 1965 |
| Annette L. Burns | Executive VP & CFO | 1973 |
| Joseph R. Stagliano | Senior Executive Vice President | 1969 |
| Amy C. Wiles | Strategic Advisor | 1959 |
| Ruth Halley Mahoney | Executive VP & President of Wealth Management | 1968 |
| Amy S. Hurta | Senior VP & Senior Director of Operations | – |
| Kenneth J. Entenmann C.F.A. | Senior VP, Chief Investment Officer & Chief Economist | – |
| Martin Randolph Sparks | Executive VP, General Counsel, Chief Ethics Officer & Corporate Secretary | 1959 |
| Florence R. Doller | Senior VP & Director of Corporate Communications | – |
| Cynthia A. Smaniotto | Executive VP & Chief Human Resources Officer | – |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Insider Transactions
| Date | Person | Role | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| 29. Jul 2026 | Mahoney Ruth H | EVP/President of Wealth Mgmt | Sell | 4,500 | 54.30 | 244,350 |
| 29. Jul 2026 | Halliday Sarah A | EVP/Chief Comm Innovation Off | Sell | 9,000 | 54.04 | 486,401 |
Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.
View all insider transactions →Chart
Interactive price chart (TradingView).
Data as of: August 3, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.