NBT Bancorp Inc. (NASDAQ: NBTB), a financial holding company with $16.11 billion in total assets, announced record third quarter 2025 results and declared a cash dividend. The company will release detailed financial results on January 26, 2026, followed by a conference call on January 27, 2026.
NBT Bancorp Inc (NBTB)
Common Stock · Currency in USD · XNAS
NBT Bancorp Inc is a financial holding company that operates through its subsidiaries. The company's principal sources of revenue include management fees and dividends it receives through its subsidiaries. Its business, predominantly conducted through NBT Bank, consists of providing commercial banking, retail banking, and wealth management services to customers in its market area, which includes upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. The company's reportable segments are Banking and Retirement Plan Administration. A majority of its revenue is generated from the Banking segment.
Company Info
SIC6021
Composite FIGIBBG000CJN801
CIK0000790359
IPOMar 17, 1992
Sectornational commercial banks
Highlights
Market Cap$2.25B
EPS$4.16
P/E Ratio10.34
Revenue$736.09M
Gross Profit$761.87M
Net Income$217.88M
Employees2,303
WSO52,204,410
Phone(607) 337-2265
Websitehttps://www.nbtbancorp.com
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Analysis
Share Price Chart
Performance Chart
The chart shows the growth of an initial investment of $10,000 in NBT Bancorp Inc, comparing it to the performance of the S&P 500 index.
All prices have been adjusted for splits and dividends.
Returns By Period
NBT Bancorp Inc (NBTB) has returned 3.93% so far this year and 14.52% over the past 12 months. Looking at the last ten years, NBTB has achieved an annualized return of 4.81%, underperforming the Benchmark (SPY), which averaged 12.23% per year.
NBTB
1M1.60%
6M3.23%
YTD3.93%
1Y14.52%
5Y1.77%
10Y4.81%
Benchmark (SPY)
1M-3.85%
6M-2.35%
YTD-4.36%
1Y34.06%
5Y9.80%
10Y12.23%
Monthly Returns
The table below presents the monthly returns of NBT Bancorp Inc (NBTB) with color gradation from worst to best to easily spot seasonal factors.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 7.01% | -3.85% | 2.21% | 0.70% | ||||||||
| 2025 | -0.87% | 3.09% | -9.89% | -2.82% | -0.97% | -0.14% | 0.19% | 7.92% | -4.77% | -2.25% | 3.03% | 1.62% |
| 2024 | -14.52% | -4.05% | 7.22% | -4.45% | 5.45% | 4.07% | 26.99% | 0.29% | -9.01% | 1.28% | 12.43% | -4.33% |
| 2023 | -9.63% | 3.94% | -16.62% | -4.70% | 4.16% | -5.63% | 16.25% | -7.57% | -8.22% | 5.95% | 6.31% | 18.39% |
| 2022 | 0.03% | -0.34% | -5.05% | -3.46% | 4.85% | 1.08% | 8.51% | -3.99% | -1.94% | 23.57% | -2.98% | -6.36% |
| 2021 | 2.26% | 9.75% | 7.78% | -4.41% | 0.70% | -8.24% | -3.38% | 2.08% | 0.56% | 1.13% | -2.30% | 4.93% |
| 2020 | -7.15% | -11.11% | -3.40% | 4.58% | -2.70% | -1.41% | -2.52% | 1.84% | -11.57% | 2.39% | 8.55% | 5.14% |
| 2019 | 4.09% | 8.82% | -7.38% | 4.85% | -5.72% | 4.19% | 2.93% | -9.33% | 5.36% | 8.52% | 0.25% | 1.10% |
| 2018 | 0.03% | -5.25% | 2.16% | 3.05% | 4.30% | -0.50% | 6.31% | 0.37% | -5.14% | -5.12% | 6.42% | -11.78% |
| 2017 | -3.89% | -1.15% | -9.76% | 3.19% | -8.37% | 4.59% | -2.59% | -9.76% | 11.71% | 3.87% | 0.96% | -5.13% |
| 2016 | 6.06% | 2.53% | -1.41% | 4.85% | 8.25% | 1.42% | 3.37% | 14.62% | 8.08% |
Performance Indicators
The charts below present risk-adjusted performance metrics for NBT Bancorp Inc (NBTB) and compare them to a Benchmark (SPY). These indicators evaluate an investment's returns against its associated risks.
Sharpe ratio
Sortino ratio
Omega ratio
Calmar ratio
Martin ratio
sharpe ratio
The Sharpe ratio helps investors understand how much return they're getting for the level of risk taken. A higher Sharpe ratio indicates better risk-adjusted performance, meaning more reward for each unit of risk.
These values reflect how efficiently the investment has delivered returns relative to its volatility over different time periods. All figures are annualized and based on daily total returns.
The chart below shows the rolling Sharpe ratio of NBTB compared to the benchmark. This view highlights how the investment's risk-adjusted performance has changed over time.
Volatility Chart
The current NBT Bancorp Inc volatility is 1.16%, representing the standart deviation of percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. It shows the maximum percentage drop from a peak to a trough over a specified period, indicating the risk of significant losses.
Although chart shows positive values, it represents the percentage drop from the peak, so a value of 10% means the portfolio has dropped 10% from its highest point.
Income Statement
The income statement provides a summary of a company's revenues, expenses, and profits over a specific period. It shows how much money the company earned (revenues) and how much it spent (expenses), leading to the net income or profit. This statement is crucial for understanding a company's financial performance and profitability.
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Liabilities And Equity (USD) | 16.00B | 13.79B | 13.31B | 11.74B | 12.01B | 10.93B | 9.72B | 9.56B | 9.14B | 8.87B | 8.26B | 7.80B | 7.65B | 6.04B | 5.60B |
| Equity Attributable To Parent (USD) | 1.90B | 1.53B | 1.43B | 1.17B | 1.25B | 1.19B | 1.12B | 1.02B | 958.18M | 913.32M | 882.00M | 864.18M | 816.57M | 582.27M | 538.11M |
| Equity Attributable To Noncontrolling Interest (USD) | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Equity (USD) | 1.90B | 1.53B | 1.43B | 1.17B | 1.25B | 1.19B | 1.12B | 1.02B | 958.18M | 913.32M | 882.00M | 864.18M | 816.57M | 582.27M | 538.11M |
| Long-term Debt (USD) | - | - | - | - | - | - | - | 73.72M | 88.87M | 104.09M | 130.45M | 130.95M | 308.82M | 367.49M | 370.34M |
| Noncurrent Liabilities (USD) | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Current Liabilities (USD) | 14.10B | 12.26B | 11.88B | 10.57B | 10.76B | 9.75B | 8.60B | 8.54B | 8.18B | 7.95B | 7.38B | 6.93B | 6.84B | 5.46B | 5.06B |
| Liabilities (USD) | 14.10B | 12.26B | 11.88B | 10.57B | 10.76B | 9.75B | 8.60B | 8.54B | 8.18B | 7.95B | 7.38B | 6.93B | 6.84B | 5.46B | 5.06B |
| Intangible Assets (USD) | 57.66M | 36.36M | 40.44M | 7.34M | 8.93M | 11.74M | 12.02M | 15.60M | 13.42M | 15.82M | 17.27M | 20.32M | 25.56M | 16.96M | 18.19M |
| Fixed Assets (USD) | 99.28M | 80.84M | 80.68M | 69.05M | 72.09M | 74.21M | 75.63M | 78.97M | 81.31M | 84.19M | 88.83M | 89.26M | 88.33M | 77.88M | 74.54M |
| Noncurrent Assets (USD) | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Current Assets (USD) | 16.00B | 13.79B | 13.31B | 11.74B | 12.01B | 10.93B | 9.72B | 9.56B | 9.14B | 8.87B | 8.26B | 7.80B | 7.65B | 6.04B | 5.60B |
| Assets (USD) | 16.00B | 13.79B | 13.31B | 11.74B | 12.01B | 10.93B | 9.72B | 9.56B | 9.14B | 8.87B | 8.26B | 7.80B | 7.65B | 6.04B | 5.60B |
News and Insights
NBT Bancorp Inc. has completed the merger with Evans Bancorp, Inc., expanding its branch network into the Western Region of New York. The merger brings over 200 employees and 40,000 customers from Evans Bank into the NBT family.
NBT Bancorp Inc. Receives Regulatory Approval, Evans Bancorp, Inc. Shareholders Approve Mergerpositive
NBT Bancorp Inc. has received regulatory approval to merge with Evans Bancorp, Inc. The merger is expected to close in the second quarter of 2025, pending customary closing conditions. The combined entity will extend NBT's footprint into the Buffalo and Rochester markets.
NBT Bancorp and Evans Bancorp have announced a strategic merger, with NBT acquiring Evans in an all-stock deal. The combined entity will have a strong presence in Upstate New York, with over 170 locations.
NORWICH, N.Y., July 01, 2024 (GLOBE NEWSWIRE) -- NBT Bancorp Inc. (“NBT” or the “Company”) (NASDAQ: NBTB) will release details of its financial results for the second quarter 2024 on Monday, July 22, 2024, following the market close. The Company will host a conference call at 10:00 a.m. (Eastern) Tuesday, July 23, 2024, to review these results.
Investors need to pay close attention to NBT Bancorp (NBTB) stock based on the movements in the options market lately.
Stay up-to-date on dividend activity, changes, ex-dividend dates, and pay dates for Dividend Champions, Contenders, and Challengers in our weekly summary.
NBT BANCORP INC. ANNOUNCES CASH DIVIDEND
NBT BANCORP INC. COMPLETES LEADERSHIP TRANSITION Kingsley, Stagliano, Burns and Hyle Promoted
NBT Bancorp (NASDAQ:NBTB) underwent analysis by 5 analysts in the last quarter, revealing a spectrum of viewpoints from bullish to bearish. The table below offers a condensed view of their recent ratings, showcasing the changing sentiments over the past 30 days and comparing them to the preceding months. Bullish Somewhat Bullish Indifferent Somewhat Bearish Bearish Total Ratings 1 3 1 0 0 Last 30D 0 1 0 0 0 1M Ago 0 0 0 0 0 2M Ago 1 0 0 0 0 3M Ago 0 2 1 0 0 Analysts have recently evaluated NBT Bancorp and provided 12-month price targets. The average target is $41.0, accompanied by a high estimate of $42.00 and a low estimate of $39.00. Observing a downward trend, the current average is 5.75% lower than the prior average price target of $43.50. Understanding Analyst Ratings: A Comprehensive Breakdown The standing of NBT Bancorp among financial experts becomes clear with a thorough analysis of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets. Analyst Analyst Firm Action Taken Rating Current Price Target Prior Price Target Matt Breese Stephens & Co. Maintains Overweight $42.00 - Jake Civiello Janney Montgomery Scott Announces Buy $39.00 - Matt Breese Stephens & Co. Announces Overweight $42.00 - Christopher O'Connell Keefe, Bruyette & Woods Lowers Market Perform $41.00 $45.00 Alexander Twerdahl Piper Sandler Lowers Overweight $41.00 $42.00 Key Insights: Action Taken: Analysts respond to changes in market conditions and company performance, frequently updating their recommendations. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments ...Full story available on Benzinga.com