NBTB NBT Bancorp Inc. - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 7, 2026
$51.53
· of 52w range
· above low
· to high
$39.2052w low
$54.5052w high
P/E
12.5
EPS
$3.33
Revenue
$183M
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52W Range
$39–$54
Analyst Rating
HOLD
Price Target
$57
P/E
12.5
ROE
9.1%
Net Profit Margin
92.5%
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NBTB Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$51.53
P/E
12.5
EPS
$3.33
Revenue
$183M
ROE
9.1%
Debt/Equity (MRQ)
0.2
52W Range
$39–$55
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Stock splits
| Ex-date | Split | Type |
|---|---|---|
| Nov. 29, 1999 | 21-for-20 | Forward |
| Nov. 27, 1998 | 21-for-20 | Forward |
| June 16, 1998 | 4-for-3 | Forward |
| Nov. 26, 1997 | 21-for-20 | Forward |
| Nov. 26, 1996 | 21-for-20 | Forward |
| Nov. 29, 1995 | 21-for-20 | Forward |
| Nov. 25, 1994 | 21-for-20 | Forward |
| Nov. 24, 1993 | 21-for-20 | Forward |
| Nov. 24, 1992 | 21-for-20 | Forward |
About NBT Bancorp Inc. - Common Stock Company overview from Wikipedia
NBT Bank, N.A. is an American financial institution that operates through a network of 176 banking locations in New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Maine and Connecticut. NBT Bank and its parent company, NBT Bancorp Inc., are headquartered in Norwich, New York, United States. NBT Bancorp is traded on the Nasdaq Global Select Market under the symbol NBTB.
History
Founded in 1856 by Warren Newton (former contractor for the Erie and Chenango canals), Isaac Newton (Warren's brother), and James H. Smith (NBT Bank's first President), NBT Bank was first a state-chartered bank called the Bank of Norwich. The bank's first board meeting was held on March 3, 1856 at the law office of Warren and Isaac Newton. The bank opened for business on July 15, 1856 in a storefront on South Main Street.
On June 28, 1865, the bank received a national charter (which it holds to this day) and changed its name to the National Bank of Norwich. In 1918, NBT Bank was one of the first national banks in New York State to apply for and receive trust powers under a Federal Reserve Act and established a Trust Department. In 1925, NBT Bank changed its name a second time to better reflect its expanded services. Over the years, the area served by NBT Bank expanded and in 1989 the bank changed its name for the third time to The National Bank and Trust Company without "of Norwich." In 1995, the bank changed its name for the fourth time to NBT Bank, N.A. (The "N.A." stands for "National Association" and is used primarily in formal or legal contexts.) At the same time, NBT Bank introduced its current logo featuring a blue star and red lettering.
In 2016, NBT Bank celebrated its 160th year in business and published an updated history of the bank to commemorate this milestone.
Mergers and acquisitions
NBT Bank completed its first acquisitions in the 1930s. Since that time, the bank has continued to grow through bank and branch acquisitions as well as through organic expansion.
Since 2000, NBT Bank acquired the following banks: LA Bank based in Scranton, Pennsylvania in 2000; Pioneer American Bank based in Carbondale, Pennsylvania in 2000; First National Bank of Northern New York based in Norfolk, New York in 2001; Central National Bank based in Canajoharie, New York in 2001; City National Bank and Trust Company based in Gloversville, New York in 2005; Hampshire First Bank based in Manchester, New Hampshire in 2012; and Alliance Bank based in Syracuse, New York in 2013. The merger with Alliance Bank was completed on March 8, 2013 and is NBT Bank's largest to date. In December 2022, NBT announced that it will acquire the Connecticut-based Salisbury Bancorp in an equity transaction valued at $204 million. The deal for Salisbury Bancorp closed in August 2023 for $204 million and Salisbury Bank President and CEO Richard J. Cantele Jr. was named to the NBT Bank board of directors and executive management team.
NBT acquired Evans Bank of Williamsville, NY on May 2, 2025. The merger extended NBT’s branch network into the Western Region of New York with the addition of 14 banking offices in the Buffalo area and 4 locations in greater Rochester.
Naming rights
NBT Bank owns the naming rights to NBT Bank Stadium in Syracuse, New York.
Source: Wikipedia, CC BY-SA 4.0 · View on Wikipedia ↗
sectorFinancials
industryBanking
employees2,303
countryUS
10-Year Performance Revenue, net income, margins and EPS trends
Revenue$183M2021-12-31 → 2025-12-31
EPS$3.332021-12-31 → 2025-12-31
Free Cash Flow$219M2021-12-31 → 2025-12-31
Net margin92.5%2021-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | NBTB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 12.5 | · | 11.9 | Fair value | |
| PEG Ratio | ≈1.8 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | NBTB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Pretax Margin | 120.0% | · | 37.4% | Weak | |
| Net Profit Margin | 92.5% | · | 30.5% | Weak | |
| ROA | 1.1% | · | 0.94% | Top tier | |
| ROE | 9.1% | · | 8.5% | Top tier |
Financial Health Debt, liquidity, solvency — balance sheet strength
| Metric | 5Y trend | NBTB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Debt / Equity (MRQ) | 0.2 | · | · | · |
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | NBTB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 10.4% | · | · | · | |
| Revenue CAGR 3Y | 6.7% | · | · | · | |
| Revenue CAGR 5Y | 5.4% | · | · | · | |
| EPS YoY | 12.1% | · | · | · | |
| Net Income YoY | 20.3% | · | · | · | |
| EPS CAGR 3Y | -1.8% | · | · | · | |
| EPS CAGR 5Y | 7.0% | · | · | · | |
| Net Income CAGR 3Y | 3.6% | · | · | · | |
| Net Income CAGR 5Y | 10.2% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | NBTB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.0 | · | 0.0 | Weak | |
| Revenue / Employee | ≈$79.4K | · | · | · |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Payout Ratio42.9%
Annualized Payout≈$1.60
5Y Div CAGR≈5.6%
Growth Streak≈13
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Sep 1, 2026 | $0.40 | USD | ≈3.0% |
| Jun 1, 2026 | $0.37 | USD | ≈3.3% |
| Mar 2, 2026 | $0.37 | USD | ≈3.4% |
| Dec 1, 2025 | $0.37 | USD | ≈3.4% |
| Aug 29, 2025 | $0.37 | USD | ≈3.1% |
| Jun 2, 2025 | $0.34 | USD | ≈3.3% |
| Mar 3, 2025 | $0.34 | USD | ≈2.8% |
| Dec 2, 2024 | $0.34 | USD | ≈2.6% |
| Aug 30, 2024 | $0.34 | USD | ≈2.7% |
| Jun 3, 2024 | $0.32 | USD | ≈3.5% |
| Feb 29, 2024 | $0.32 | USD | ≈3.7% |
| Nov 30, 2023 | $0.32 | USD | ≈3.5% |
| Aug 31, 2023 | $0.32 | USD | ≈3.5% |
| May 31, 2023 | $0.30 | USD | ≈3.6% |
| Feb 28, 2023 | $0.30 | USD | ≈2.9% |
| Nov 30, 2022 | $0.30 | USD | ≈2.5% |
| Aug 31, 2022 | $0.30 | USD | ≈2.9% |
| May 31, 2022 | $0.28 | USD | ≈3.0% |
| Feb 28, 2022 | $0.28 | USD | ≈2.9% |
| Nov 30, 2021 | $0.28 | USD | ≈3.0% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
2.7%
Next Report
Oct 26, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Jul 27, 2026 | $1.01 | $1.04 | -3.2% |
| March 31, 2026 | $0.97 | $1.00 | -3.2% | |
| Dec. 31, 2025 | $1.05 | $1.01 | 4.4% | |
| Sept. 30, 2025 | $1.05 | $0.99 | 6.3% | |
| June 30, 2025 | $0.88 | $0.83 | 6.3% | |
| March 31, 2025 | $0.80 | $0.76 | 5.9% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $183M | $166M | $145M | $151M | $151M | $141M | $134M | $126M | $113M | $111M | |
| Interest Expense | · | · | $145M | $22M | $19M | $33M | $56M | $39M | $26M | $23M | |
| Interest Income | $711M | $612M | $523M | $384M | $340M | $348M | $368M | $344M | $309M | $287M | |
| Pretax Income | $219M | $179M | $153M | $196M | $200M | $133M | $155M | $137M | $128M | $119M | |
| Income Tax | $50M | $39M | $35M | $44M | $45M | $29M | $34M | $24M | $46M | $40M | |
| Net Income | $169M | $141M | $119M | $152M | $155M | $104M | $121M | $113M | $82M | $78M | |
| EPS (Basic) | $3.34 | $2.98 | $2.67 | $3.54 | $3.57 | $2.39 | $2.76 | $2.58 | $1.89 | $1.81 | |
| EPS (Diluted) | $3.33 | $2.97 | $2.65 | $3.52 | $3.54 | $2.37 | $2.74 | $2.56 | $1.87 | $1.80 | |
| Shares (Basic) | 50,651,000 | 47,165,000 | 44,528,000 | 42,917,000 | 43,421,000 | 43,693,000 | 43,815,000 | 43,701,000 | 43,575 | 43,244 | |
| Shares (Diluted) | 50,875,000 | 47,433,000 | 44,770,000 | 43,181,000 | 43,719,000 | 43,989,000 | 44,124,000 | 44,020,000 | 43,905 | 43,622 |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | · | · | · | · | · | $673M | $217M | $181M | $160M | $149M | |
| PP&E (Net) | $99M | $81M | $81M | $69M | $72M | $74M | $76M | $79M | $81M | $84M | |
| PP&E (Gross) | $280M | $253M | $243M | $190M | $184M | $180M | $180M | $177M | $179M | $177M | |
| Accum. Depreciation | $181M | $172M | $163M | $121M | $112M | $106M | $104M | $98M | $98M | $93M | |
| Goodwill | $453M | $363M | $362M | $281M | $281M | $281M | $275M | $275M | $268M | $265M | |
| Intangibles | $58M | $36M | $40M | $7M | $9M | $12M | $12M | $16M | $13M | $16M | |
| Total Assets | $16.00B | $13.79B | $13.31B | $11.74B | $12.01B | $10.93B | $9.72B | $9.56B | $9.14B | $8.87B | |
| Short-term Debt | $148M | $163M | $387M | $585M | $98M | $168M | $655M | $872M | $719M | $682M | |
| Total Liabilities | $14.10B | $12.26B | $11.88B | $10.57B | $10.76B | $9.75B | $8.60B | $8.54B | $8.18B | $7.95B | |
| Long-term Debt | · | · | · | · | · | · | · | $74M | $89M | $104M | |
| Total Debt | $148M | $163M | $387M | $585M | $98M | $168M | $655M | $872M | $719M | $682M | |
| Common Stock | $591.0K | $540.0K | $540.0K | $497.0K | $497.0K | $497.0K | $497.0K | $497.0K | $497.0K | $497.0K | |
| Paid-in Capital | $965M | $743M | $741M | $578M | $577M | $578M | $577M | $575M | $574M | $575M | |
| Retained Earnings | $1.20B | $1.10B | $1.02B | $958M | $856M | $749M | $696M | $621M | $544M | $502M | |
| Treasury Stock | $183M | $175M | $177M | $173M | $160M | $140M | $134M | $136M | $138M | $142M | |
| AOCI | $-83M | $-142M | $-161M | $-190M | $-23M | $417.0K | $-19M | $-43M | $-22M | $-22M | |
| Stockholders' Equity | $1.90B | $1.53B | $1.43B | $1.17B | $1.25B | $1.19B | $1.12B | $1.02B | $958M | $913M | |
| Liabilities + Equity | $16.00B | $13.79B | $13.31B | $11.74B | $12.01B | $10.93B | $9.72B | $9.56B | $9.14B | $8.87B |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Stock-based Comp | $5M | $6M | $5M | $5M | $4M | $5M | $4M | $4M | $4M | $4M | |
| Deferred Tax | $24M | $9M | $6M | $-20M | $864.0K | $-17M | $-2M | $3M | $4M | $4M | |
| Amort. of Intangibles | $12M | $8M | $5M | $2M | $3M | $3M | $4M | $4M | $4M | $4M | |
| Operating Cash Flow | $235M | $189M | $157M | $183M | $159M | $145M | $153M | $148M | $137M | $111M | |
| CapEx | $16M | $12M | $9M | $7M | $8M | $8M | $7M | $7M | $7M | $3M | |
| Investing Cash Flow | $169M | $-399M | $-44M | $-926M | $-548M | $-713M | $-64M | $-418M | $-305M | $-630M | |
| Debt Issued | · | · | · | · | · | · | $11M | $25M | $25M | $24M | |
| Net Debt Issued | · | · | · | · | · | · | $-10M | $-15M | $-15M | $-26M | |
| Stock Repurchased | $10M | $251.0K | $5M | $15M | $22M | $8M | $0 | $0 | $0 | $17M | |
| Net Stock Activity | $-10M | $-251.0K | $-5M | $-15M | $-22M | $-8M | · | $0 | $0 | $-17M | |
| Dividends Paid | $73M | $62M | $56M | $50M | $48M | $47M | $46M | $43M | $40M | $39M | |
| Financing Cash Flow | $-201M | $289M | $-105M | $-329M | $985M | $1.02B | $-53M | $291M | $179M | $528M | |
| Net Change in Cash | · | · | · | · | · | · | · | $21M | $10M | $9M | |
| Taxes Paid | $25M | $23M | $28M | $63M | $46M | $46M | $28M | $32M | $34M | $41M | |
| Free Cash Flow | $219M | $177M | $148M | $176M | $150M | $134M | $147M | $140M | $130M | $106M | |
| Levered FCF | · | · | $36M | $159M | $135M | $109M | $103M | $109M | $114M | $91M |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 92.5% | 84.9% | 82.1% | 100.9% | 102.6% | 74.1% | 90.0% | 89.3% | 20.3% | 20.6% | |
| Pretax Margin | 120.0% | 108.3% | 106.0% | 130.2% | 132.3% | 94.4% | 115.6% | 108.7% | 31.7% | 31.2% | |
| ROA | 1.1% | 1.0% | 0.95% | 1.3% | 1.4% | 1.0% | 1.3% | 1.2% | 0.91% | 0.92% | |
| ROE | 9.1% | 9.2% | 8.5% | 13.1% | 12.4% | 8.9% | 10.9% | 11.2% | 8.6% | 8.6% |
Liquidity & Solvency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.1 | 0.1 | 0.3 | 0.5 | 0.1 | 0.1 | 0.6 | 0.9 | 0.8 | 0.7 |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue / Share | $3.60 | $3.49 | $3.23 | $3.49 | $3.45 | $3.20 | $3047.21 | $2862.61 | $9219.84 | $8714.73 | |
| Cash Flow / Share | $4.62 | $3.98 | $3.52 | $4.24 | $3.61 | $3.24 | $3477.99 | $3356.95 | $3118.19 | $2510.43 | |
| Dividend / Share | $1.42 | $1.32 | $1.24 | $1.16 | $1.10 | $1.08 | $1.05 | $0.99 | $0.92 | · | |
| EPS (TTM) | $3.33 | $2.97 | $2.65 | $3.52 | $3.54 | $2.37 | $2.74 | $2.56 | $1.87 | $1.80 |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 10.4% | 14.5% | -3.9% | -0.23% | 7.2% | · | · | · | · | · | |
| Revenue CAGR 3Y | 6.7% | 3.1% | 0.90% | · | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 5.4% | · | · | · | · | · | · | · | · | · | |
| EPS YoY | 12.1% | 12.1% | -24.7% | -0.56% | 49.4% | · | · | · | · | · | |
| EPS CAGR 3Y | -1.8% | -5.7% | 3.8% | · | · | · | · | · | · | · | |
| EPS CAGR 5Y | 7.0% | · | · | · | · | · | · | · | · | · | |
| Net Income YoY | 20.3% | 18.4% | -21.9% | -1.9% | 48.4% | · | · | · | · | · | |
| Net Income CAGR 3Y | 3.6% | -3.2% | 4.4% | · | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 10.2% | · | · | · | · | · | · | · | · | · | |
| Dividends Paid CAGR 5Y | 9.0% | · | · | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $183M | $166M | $145M | $151M | $151M | $141M | $134M | $126M | $113M | $111M | |
| Net Income TTM | $169M | $141M | $119M | $152M | $155M | $104M | $121M | $113M | $82M | $78M | |
| P/E | 12.5 | 16.1 | 15.8 | 12.3 | 10.9 | 13.5 | 14.8 | 13.5 | 19.7 | 23.3 | |
| Earnings Yield | 8.0% | 6.2% | 6.3% | 8.1% | 9.2% | 7.4% | 6.8% | 7.4% | 5.1% | 4.3% | |
| Payout Ratio | 42.9% | 44.3% | 47.0% | 32.7% | 30.8% | 45.2% | 38.0% | 38.4% | 48.8% | 49.6% | |
| Annual Payout | $73M | $62M | $56M | $50M | $48M | $47M | $46M | $43M | $40M | $39M |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | · | $52M | · | $42M | $32M | $19M | · | $5M | |
| Interest Income | $186M | $183M | $189M | $190M | $178M | $154M | $158M | $156M | $151M | $147M | $151M | $137M | $121M | $114M | $109M | $99M | |
| Pretax Income | $69M | $67M | $70M | $72M | $31M | $47M | $46M | $49M | $42M | $43M | $40M | $32M | $39M | $43M | $47M | $50M | |
| Income Tax | $16M | $16M | $14M | $17M | $8M | $10M | $10M | $11M | $9M | $9M | $9M | $7M | $9M | $10M | $11M | $11M | |
| Net Income | $53M | $51M | $56M | $54M | $23M | $37M | $36M | $38M | $33M | $34M | $30M | $25M | $30M | $34M | $36M | $39M | |
| EPS (Basic) | $1.02 | $0.98 | $1.07 | $1.04 | $0.45 | $0.78 | $0.76 | $0.81 | $0.69 | $0.72 | $0.65 | $0.54 | $0.70 | $0.78 | $0.84 | $0.91 | |
| EPS (Diluted) | $1.02 | $0.98 | $1.09 | $1.03 | $0.44 | $0.77 | $0.77 | $0.80 | $0.69 | $0.71 | $0.63 | $0.54 | $0.70 | $0.78 | $0.84 | $0.90 | |
| Shares (Basic) | 51,981,000 | 52,123,000 | · | 52,426,000 | 50,575,000 | 47,244,000 | · | 47,172,000 | 47,158,000 | 47,148,000 | · | 45,163,000 | 42,905,000 | 42,894,000 | · | 42,838,000 | |
| Shares (Diluted) | 51,981,000 | 52,123,000 | · | 52,426,000 | 50,575,000 | 47,244,000 | · | 47,172,000 | 47,158,000 | 47,148,000 | · | 45,163,000 | 42,905,000 | 42,894,000 | · | 42,838,000 |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PP&E (Net) | $98M | $100M | $99M | $99M | $96M | $82M | $81M | $80M | $79M | $80M | · | $83M | $67M | $68M | · | $69M | |
| PP&E (Gross) | · | · | $280M | · | · | · | $253M | · | · | · | · | · | · | · | · | · | |
| Accum. Depreciation | · | · | $181M | · | · | · | $172M | · | · | · | · | · | · | · | · | · | |
| Goodwill | $453M | $453M | $453M | $454M | $454M | $363M | $363M | $362M | $362M | $362M | $362M | $360M | $281M | $281M | $281M | $281M | |
| Intangibles | $51M | $54M | $58M | $61M | $64M | $34M | $36M | $36M | $37M | $39M | $40M | $43M | $6M | $7M | $7M | $8M | |
| Total Assets | $16.21B | $16.20B | $16.00B | $16.11B | $16.01B | $13.86B | $13.79B | $13.84B | $13.50B | $13.44B | $13.31B | $13.83B | $11.89B | $11.84B | $11.74B | $11.64B | |
| Short-term Debt | $316M | $118M | $148M | $139M | $113M | $86M | $163M | $205M | $225M | $267M | · | $490M | $652M | $475M | · | $75M | |
| Total Liabilities | $14.27B | $14.29B | $14.10B | $14.26B | $14.21B | $12.30B | $12.26B | $12.32B | $12.04B | $12.00B | · | $12.46B | $10.68B | $10.63B | · | $10.48B | |
| Total Debt | $316M | $118M | · | $139M | $113M | $86M | · | $205M | $225M | $267M | · | $490M | $652M | $475M | · | $75M | |
| Common Stock | $591.0K | $591.0K | $591.0K | $591.0K | $591.0K | $540.0K | $540.0K | $540.0K | $540.0K | $540.0K | · | $540.0K | $497.0K | $497.0K | · | $497.0K | |
| Paid-in Capital | $966M | $966M | $965M | $964M | $963M | $741M | $743M | $743M | $742M | $741M | · | $741M | $578M | $578M | · | $578M | |
| Retained Earnings | $1.26B | $1.23B | $1.20B | $1.16B | $1.13B | $1.12B | $1.10B | $1.08B | $1.06B | $1.04B | · | $1.01B | $997M | $980M | · | $935M | |
| Treasury Stock | $196M | $194M | $183M | $173M | $174M | $175M | $175M | $176M | $176M | $176M | · | $177M | $175M | $173M | · | $173M | |
| AOCI | $-89M | $-87M | $-83M | $-99M | $-109M | $-122M | $-142M | $-126M | $-163M | $-164M | $-161M | $-208M | $-190M | $-174M | $-190M | $-184M | |
| Stockholders' Equity | $1.94B | $1.91B | $1.90B | $1.85B | $1.81B | $1.57B | $1.53B | $1.52B | $1.46B | $1.44B | $1.43B | $1.36B | $1.21B | $1.21B | $1.17B | $1.16B | |
| Liabilities + Equity | $16.21B | $16.20B | $16.00B | $16.11B | $16.01B | $13.86B | $13.79B | $13.84B | $13.50B | $13.44B | · | $13.83B | $11.89B | $11.84B | · | $11.64B |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Stock-based Comp | $871.0K | $3M | $647.0K | $2M | $873.0K | $2M | $837.0K | $964.0K | $2M | $2M | $965.0K | $825.0K | $847.0K | $2M | $581.0K | $670.0K | |
| Amort. of Intangibles | $3M | $3M | $3M | $3M | $3M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $458.0K | $536.0K | $538.0K | $544.0K | |
| Operating Cash Flow | $62M | $53M | $66M | $81M | $46M | $42M | $49M | $52M | $51M | $37M | $36M | $55M | $45M | $22M | $30M | $51M | |
| CapEx | $1M | $4M | $4M | $6M | $2M | $4M | $4M | $4M | $1M | $2M | $3M | $3M | $1M | $1M | $2M | $2M | |
| Investing Cash Flow | $-429M | $-6M | $-36M | $-14M | $332M | $-113M | $-148M | $-58M | $-180M | $-13M | $48M | $67M | $-83M | $-76M | $-227M | $-142M | |
| Stock Repurchased | $3M | $11M | $10M | $0 | $0 | $0 | $0 | $0 | $188.0K | $63.0K | $0 | $2M | $3M | $0 | $0 | $0 | |
| Net Stock Activity | · | $-11M | · | · | · | $0 | · | · | · | $-63.0K | · | · | · | $0 | · | · | |
| Dividends Paid | $19M | $19M | $19M | $19M | $18M | $16M | $16M | $16M | $15M | $15M | $15M | $15M | $13M | $13M | $13M | $13M | |
| Financing Cash Flow | $-54M | $182M | $-183M | $32M | $-91M | $41M | $-100M | $281M | $18M | $90M | $-551M | $350M | $10M | $86M | $74M | $-111M | |
| Taxes Paid | $17M | $3M | $8M | $16.0K | $15M | $2M | $6M | $8M | $6M | $4M | $973.0K | $5M | $6M | $15M | $21M | $18M | |
| Free Cash Flow | · | $49M | · | · | · | $38M | · | · | · | $34M | · | · | · | $20M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $-6M | · | · | · | $6M | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 28.4% | 27.7% | · | 29.3% | 13.2% | 23.8% | · | 25.8% | 23.3% | 24.1% | · | 18.2% | 24.8% | 26.6% | · | 29.6% | |
| Pretax Margin | 37.0% | 36.1% | · | 38.6% | 17.9% | 30.5% | · | 33.1% | 29.9% | 30.7% | · | 23.5% | 32.0% | 34.2% | · | 38.3% | |
| ROA | 0.33% | 0.34% | · | 0.36% | 0.15% | 0.27% | · | 0.28% | 0.26% | 0.27% | · | 0.19% | 0.25% | 0.28% | · | 0.33% | |
| ROE | 2.8% | 2.9% | · | 3.2% | 1.4% | 2.4% | · | 2.6% | 2.5% | 2.5% | · | 1.9% | 2.5% | 2.8% | · | 3.2% |
Liquidity & Solvency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.2 | 0.1 | · | 0.1 | 0.1 | 0.1 | · | 0.1 | 0.2 | 0.2 | · | 0.4 | 0.5 | 0.4 | · | 0.1 |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue / Share | $3.59 | $3.54 | · | $3.55 | $3.38 | $3.27 | · | $3.13 | $2.98 | $2.98 | · | $2.99 | $2.82 | $2.95 | · | $3.07 | |
| Cash Flow / Share | · | $1.02 | · | · | · | $0.89 | · | · | · | $0.78 | · | · | · | $0.51 | · | · | |
| Dividend / Share | $0.37 | $0.37 | $0.37 | $0.37 | $0.34 | $0.34 | $0.34 | $0.34 | $0.32 | $0.32 | $0.32 | $0.32 | $0.30 | $0.30 | $0.30 | $0.30 | |
| EPS (TTM) | $4.12 | $3.54 | · | $3.01 | $2.78 | $3.03 | · | $2.83 | $2.57 | $2.58 | · | $2.86 | $3.22 | $3.40 | · | $3.53 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $126M | $126M | · | $126M | $126M | $126M | · | $126M | $126M | $126M | · | $126M | $126M | $126M | · | $126M | |
| Net Income TTM | $214M | $184M | · | $150M | $133M | $144M | · | $135M | $122M | $119M | · | $124M | $139M | $147M | · | $153M | |
| P/E | 12.0 | 12.0 | · | 13.9 | 14.9 | 14.2 | · | 15.6 | 15.0 | 14.2 | · | 11.1 | 9.9 | 9.9 | · | 10.8 | |
| Earnings Yield | 8.3% | 8.3% | · | 7.2% | 6.7% | 7.1% | · | 6.4% | 6.7% | 7.0% | · | 9.0% | 10.1% | 10.1% | · | 9.3% | |
| Payout Ratio | · | 37.6% | · | · | · | 43.7% | · | · | · | 44.6% | · | · | · | 38.2% | · | · | |
| Annual Payout | $77M | $76M | · | $69M | $66M | $63M | · | $61M | $60M | $58M | · | $54M | $51M | $51M | · | $49M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Revenue | $183M | · | · | $166M | · |
| Net Income | $169M | · | · | $141M | · |
| Diluted EPS | $3.33 | · | · | $2.97 | · |
| Metric | 2025-12-31 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Debt / Equity | 0.1 | · | · | 0.1 | · |
| Metric | 2025-12-31 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Free Cash Flow | $219M | · | · | $177M | · |
Institutional owners (13F) 302 filers · $2.0B total · As of Sept. 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
302
Value held
$2.0B
New positions
29
Exited positions
38
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 29 (-28 vs prior Q) | 38 (+18 vs prior Q) | 97 (+1 vs prior Q) | 85 (+4 vs prior Q) | +2.1M |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| BlackRock, Inc. | $369,182,934 | 7,477,880 | 18.68% | Shares |
| VANGUARD GROUP INC | $251,127,285 | 6,048,345 | 12.70% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $170,303,691 | 3,449,538 | 8.62% | Shares |
| STATE STREET CORP | $134,853,711 | 2,731,491 | 6.82% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $118,792,496 | 2,406,173 | 6.01% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $111,325,647 | 2,254,925 | 5.63% | Shares |
| FMR LLC | $85,801,936 | 1,737,937 | 4.34% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $68,798,157 | 1,393,256 | 3.48% | Shares |
| NORTHERN TRUST CORP | $35,498,116 | 719,022 | 1.80% | Shares |
| SILVERCREST ASSET MANAGEMENT GROUP LLC | $31,979,295 | 647,745 | 1.62% | Shares |
| VICTORY CAPITAL MANAGEMENT INC | $31,071,059 | 629,351 | 1.57% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $30,196,864 | 611,644 | 1.53% | Shares |
| FULLER & THALER ASSET MANAGEMENT, INC. | $28,580,978 | 578,914 | 1.45% | Shares |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $27,632,241 | 559,697 | 1.40% | Shares |
| AMERICAN CENTURY COMPANIES INC | $25,666,624 | 519,883 | 1.30% | Shares |
| Bank of New York Mellon Corp | $22,684,733 | 459,484 | 1.15% | Shares |
| RAYMOND JAMES FINANCIAL INC | $21,810,732 | 441,781 | 1.10% | Shares |
| MORGAN STANLEY | $20,258,837 | 410,346 | 1.02% | Shares |
| Nuveen, LLC | $19,049,961 | 385,862 | 0.96% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $16,978,738 | 343,908 | 0.86% | Shares |
| Ceredex Value Advisors LLC | $13,673,022 | 276,950 | 0.69% | Shares |
| NBT BANK, N.A. | $12,907,701 | 261,448 | 0.65% | Shares |
| PRINCIPAL FINANCIAL GROUP INC | $12,409,692 | 251,361 | 0.63% | Shares |
| TWO SIGMA INVESTMENTS, LP | $11,889,382 | 240,822 | 0.60% | Shares |
| CITADEL ADVISORS LLC | $10,816,227 | 219,085 | 0.55% | Shares |
| UBS Group AG | $10,621,560 | 215,142 | 0.54% | Shares |
| JPMORGAN CHASE & CO | $10,057,071 | 202,250 | 0.51% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $9,352,307 | 189,433 | 0.47% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $8,829,081 | 178,835 | 0.45% | Shares |
| Public Sector Pension Investment Board | $8,822,567 | 178,703 | 0.45% | Shares |
| GOLDMAN SACHS GROUP INC | $8,069,036 | 163,440 | 0.41% | Shares |
| SCHRODER INVESTMENT MANAGEMENT GROUP | $7,632,659 | 155,230 | 0.39% | Shares |
| Invesco Ltd. | $7,483,111 | 151,572 | 0.38% | Shares |
| ProShare Advisors LLC | $7,268,992 | 147,235 | 0.37% | Shares |
| COMMONWEALTH EQUITY SERVICES, LLC | $6,680,446 | 135,314 | 0.34% | Shares |
| RHUMBLINE ADVISERS | $6,495,443 | 131,567 | 0.33% | Shares |
| FIRST TRUST ADVISORS LP | $6,285,097 | 127,306 | 0.32% | Shares |
| Edgestream Partners, L.P. | $6,172,386 | 125,023 | 0.31% | Shares |
| BANK OF AMERICA CORP /DE/ | $6,169,818 | 124,971 | 0.31% | Shares |
| Legal & General Group Plc | $6,037,111 | 122,283 | 0.31% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $6,030,200 | 122,143 | 0.31% | Shares |
| WELLS FARGO & COMPANY/MN | $5,920,918 | 119,929 | 0.30% | Shares |
| Savant Capital, LLC | $5,741,300 | 126,428 | 0.29% | Shares |
| UBS AM, a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC | $5,323,564 | 125,025 | 0.27% | Shares |
| Swiss National Bank | $5,025,866 | 101,800 | 0.25% | Shares |
| WEALTH ENHANCEMENT ADVISORY SERVICES, LLC | $4,828,340 | 96,029 | 0.24% | Shares |
| Schonfeld Strategic Advisors LLC | $4,517,946 | 91,512 | 0.23% | Shares |
| AMERIPRISE FINANCIAL INC | $3,928,160 | 79,566 | 0.20% | Shares |
| Qube Research & Technologies Ltd | $3,843,849 | 77,858 | 0.19% | Shares |
| Empowered Funds, LLC | $3,809,044 | 77,153 | 0.19% | Shares |
Company insiders 52 insiders · 18 officers · 27 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Scott Allen Kingsley | President & CEO NBT Bancorp | March 23, 2026 A | 57,936 | 0 | 0 | $0 |
| Annette L Burns | EVP & Chief Financial Officer | March 23, 2026 A | 24,313 | 0 | 0 | $0 |
| John V Moran | EVP & Chief Financial Officer | Jan. 15, 2021 F | 6,058 | 0 | 0 | $0 |
| Michael J Chewens | Sr EVP & CFO | May 16, 2019 S | 49,601 | 0 | 0 | $0 |
| Joseph R Stagliano | SEVP & President of NBT Bank | March 23, 2026 F | 85,446 | 0 | 0 | $0 |
| David E Raven | President of Retail Banking | Jan. 15, 2016 F | 24,724 | 0 | 0 | $0 |
| Ruth H Mahoney | EVP/President of Wealth Mgmt | July 29, 2026 S | 11,928 | 0 | 2 | $-477,350 |
| Sarah A Halliday | EVP/Chief Comm Innovation Off | July 29, 2026 S | 22,054 | 0 | 1 | $-486,360 |
| Martin Randolph Sparks | EVP,General Counsel,Secretary | June 12, 2026 S | 14,463 | 0 | 2 | $-156,768 |
| Cynthia A Smaniotto | EVP, Chief HR Officer | May 15, 2026 F | 17,747 | 0 | 0 | $0 |
| Amy Wiles | EVP, Chief Risk and Credit | May 15, 2026 F | 27,161 | 0 | 1 | $-202,768 |
| Shaunastar Hyle | EVP, Retail Community Banking | March 23, 2026 A | 29,298 | 0 | 0 | $0 |
| Catherine Scarlett | EVP, Chief HR & Ethics Officer | Dec. 15, 2021 F | 62,060 | 0 | 0 | $0 |
| Matthew K Durkee | Strategic Advisor | May 18, 2021 S | 22,915 | 0 | 0 | $0 |
| Timothy Brenner | EVP & President Wealth Mgmt | May 15, 2021 F | 64,594 | 0 | 0 | $0 |
| Angela M Kelley | EVP,General Counsel,Secretary | March 22, 2021 A | 5,651 | 0 | 0 | $0 |
| Sheldon F Prentice | EVP,General Counsel,Secretary | March 26, 2018 A | 32,534 | 0 | 0 | $0 |
| Jeffrey M Levy | EVP/ Pres Commercial Banking | July 27, 2016 M | 48,139 | 0 | 0 | $0 |
| Heidi M Hoeller | Director | June 12, 2026 S | 11,560 | 0 | 1 | $-100,884 |
| John H Watt JR | Director | June 9, 2026 S | 54,010 | 0 | 1 | $-995,820 |
| Andrew S Kowalczyk III | Director | May 21, 2026 A | 13,642 | 0 | 0 | $0 |
| Jason David Brown | Director | May 19, 2026 A | 8,414 | 0 | 0 | $0 |
| Johanna R Ames | Director | May 19, 2026 A | 7,593 | 0 | 0 | $0 |
| Matthew J Salanger | Director | May 19, 2026 A | 28,116 | 0 | 0 | $0 |
| Daniel V Robinson II | Director | May 19, 2026 A | 21,755 | 0 | 0 | $0 |
| David J Nasca | Director | May 19, 2026 A | 71,705 | 0 | 0 | $0 |
| Richard J Cantele JR | Director | May 19, 2026 A | 58,106 | 0 | 0 | $0 |
| Martin A Dietrich | Director | May 19, 2026 A | 112,294 | 0 | 0 | $0 |
| Timothy E Delaney | Director | May 19, 2026 A | 52,935 | 5 | 0 | $2,444,166 |
| Jack H Webb | Director | Nov. 22, 2024 S | 45,018 | 0 | 0 | $0 |
| Lowell A Seifter | Director | May 21, 2024 A | 46,886 | 0 | 0 | $0 |
| James H Douglas | Director | May 16, 2023 A | 14,350 | 0 | 0 | $0 |
| Joseph A Santangelo | Director | May 17, 2022 A | 21,764 | 0 | 0 | $0 |
| CIVIL PATRICIA T | Director | May 25, 2021 A | 30,070 | 0 | 0 | $0 |
| John C Mitchell | Director | May 25, 2021 A | 35,635 | 0 | 0 | $0 |
| Robert A Wadsworth | Director | May 19, 2020 A | 18,420 | 0 | 0 | $0 |
| Michael M Murphy | Director | April 29, 2016 M | 34,532 | 0 | 0 | $0 |
| Daryl R Forsythe | Director | May 1, 2015 A | 117,240 | 0 | 0 | $0 |
| Richard Chojnowski | Director | Dec. 18, 2014 M | 277,570 | 0 | 0 | $0 |
| Paul M Solomon | Director | May 1, 2014 A | 64,206 | 0 | 0 | $0 |
| Joseph G Nasser | Director | Aug. 16, 2012 S | 26,103 | 0 | 0 | $0 |
| William L Owens | Director | April 30, 2009 A | 14,541 | 0 | 0 | $0 |
| William C Gumble | Director | April 30, 2009 A | 97,558 | 0 | 0 | $0 |
| Andrew S Kowalczyk JR | Director | May 3, 2005 A | 9,535 | 0 | 0 | $0 |
| Gene E Goldenziel | Director | Jan. 26, 2004 A | 77,280 | 0 | 0 | $0 |
| Janet H Ingraham | · | Oct. 30, 2007 A | 17,193 | 0 | 0 | $0 |
| Paul D Horger | · | May 1, 2007 A | 17,384 | 0 | 0 | $0 |
| Peter B Gregory DDS | · | May 1, 2007 A | 95,042 | 0 | 0 | $0 |
| Michael H Hutcherson | · | May 1, 2007 A | 6,713 | 0 | 0 | $0 |
| Van Ness D Robinson | · | Feb. 7, 2007 S | 812,558 | 0 | 0 | $0 |
| Ronald M Bentley | · | July 28, 2006 M | 550 | 0 | 0 | $0 |
| Paul O Stillman | · | April 27, 2005 A | 32,959 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 54 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| XSLV · Invesco Exchange-Traded Fund Trust … | 0.83% | 38,785 SH | Oct. 1, 2026 | Daily |
| PSCF · Invesco Exchange-Traded Fund Trust … | 0.62% | 3,348 SH | Oct. 1, 2026 | Daily |
| DPST · Direxion Shares ETF Trust | 0.29% | 23,299 NS | July 31, 2026 | N-PORT |
| VIOV · VANGUARD ADMIRAL FUNDS | 0.28% | 110,362 SH | Aug. 19, 2026 | Daily |
| FYT · First Trust Exchange-Traded AlphaDE… | 0.26% | 9,682 NS | July 31, 2026 | N-PORT |
| EBIT · Harbor ETF Trust | 0.24% | 539 NS | July 31, 2026 | N-PORT |
| FYX · First Trust Exchange-Traded AlphaDE… | 0.20% | 53,008 NS | July 31, 2026 | N-PORT |
| QVMS · Invesco Exchange-Traded Fund Trust … | 0.17% | 7,897 SH | Oct. 1, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.16% | 45,331 SH | Aug. 19, 2026 | Daily |
| VIOO · VANGUARD ADMIRAL FUNDS | 0.14% | 181,891 SH | Aug. 19, 2026 | Daily |
| JPSE · J.P. Morgan Exchange-Traded Fund Tr… | 0.13% | 14,171 NS | July 31, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.13% | 345,801 NS | July 31, 2026 | N-PORT |
| BBSC · J.P. Morgan Exchange-Traded Fund Tr… | 0.10% | 13,364 NS | July 31, 2026 | N-PORT |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.09% | 4,684 SH | Oct. 1, 2026 | Daily |
| RSSL · Global X Funds | 0.09% | 24,822 NS | July 31, 2026 | N-PORT |
| IWM · iShares Trust | 0.09% | 1,326,230 SH | Sept. 11, 2026 | Daily |
| ROSC · Lattice Strategies Trust | 0.08% | 957 NS | July 31, 2026 | N-PORT |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.08% | 298,236 SH | Aug. 19, 2026 | Daily |
| DFSV · Dimensional ETF Trust | 0.08% | 120,794 NS | July 31, 2026 | N-PORT |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.06% | 34,882 SH | Sept. 30, 2026 | Daily |
| RWJ · Invesco Exchange-Traded Fund Trust … | 0.06% | 23,519 SH | Oct. 1, 2026 | Daily |
| DFAS · Dimensional ETF Trust | 0.06% | 171,586 NS | July 31, 2026 | N-PORT |
| FAB · First Trust Exchange-Traded AlphaDE… | 0.05% | 1,673 NS | July 31, 2026 | N-PORT |
| VBR · VANGUARD INDEX FUNDS | 0.05% | 719,472 SH | Aug. 19, 2026 | Daily |
| DXUV · Dimensional ETF Trust | 0.04% | 4,213 NS | July 31, 2026 | N-PORT |
| VFVA · VANGUARD WELLINGTON FUND | 0.04% | 6,625 SH | Aug. 19, 2026 | Daily |
| VXF · VANGUARD INDEX FUNDS | 0.03% | 596,541 SH | Aug. 19, 2026 | Daily |
| VB · VANGUARD INDEX FUNDS | 0.03% | 1,133,261 SH | Aug. 19, 2026 | Daily |
| VFH · VANGUARD WORLD FUND | 0.03% | 82,809 SH | Aug. 19, 2026 | Daily |
| FNCL · FIDELITY COVINGTON TRUST | 0.03% | 13,026 NS | July 31, 2026 | N-PORT |
| WSML · iShares Trust | 0.02% | 3,074 SH | Sept. 11, 2026 | Daily |
| TILT · FlexShares Trust | 0.02% | 8,260 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.01% | 131,047 NS | July 31, 2026 | N-PORT |
| DFUV · Dimensional ETF Trust | 0.01% | 39,575 NS | July 31, 2026 | N-PORT |
| SMDX · Tidal Trust III | 0.01% | 334 NS | July 31, 2026 | N-PORT |
| VIG · VANGUARD SPECIALIZED FUNDS | 0.01% | 293,828 SH | Aug. 19, 2026 | Daily |
| VYM · VANGUARD WHITEHALL FUNDS | 0.01% | 201,831 SH | Aug. 19, 2026 | Daily |
| PFM · Invesco Exchange-Traded Fund Trust | 0.01% | 1,481 SH | Sept. 30, 2026 | Daily |
| DFSU · Dimensional ETF Trust | 0.01% | 4,129 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.01% | 5,806 NS | July 31, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.01% | 14,031 NS | July 31, 2026 | N-PORT |
| ITOT · iShares Trust | 0.00% | 85,044 SH | Sept. 11, 2026 | Daily |
| DFUS · Dimensional ETF Trust | 0.00% | 15,622 NS | July 31, 2026 | N-PORT |
| IWV · iShares Trust | 0.00% | 11,985 SH | Sept. 11, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 1,574,484 SH | Aug. 19, 2026 | Daily |
| VT · VANGUARD INTERNATIONAL EQUITY INDEX… | 0.00% | 32,981 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 4,326 SH | Aug. 19, 2026 | Daily |
| ESGV · VANGUARD WORLD FUND | 0.00% | 11,492 SH | Aug. 19, 2026 | Daily |
| IJR · iShares Trust | · | 3,174,108 SH | Sept. 8, 2026 | Daily |
| IJS · iShares Trust | · | 463,533 SH | Aug. 31, 2026 | Daily |
| IWN · iShares Trust | · | 484,160 SH | Sept. 11, 2026 | Daily |
| XJR · iShares Trust | · | 7,169 SH | Aug. 31, 2026 | Daily |
| ISCB · iShares Trust | · | 2,176 SH | Sept. 11, 2026 | Daily |
| ISCV · iShares Trust | · | 10,834 SH | Sept. 11, 2026 | Daily |
NBTB Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 13 analysts
BUY
Median target
$56.00
+8.7%
2 15.4%
Strong Buy
5 38.5%
Buy
6 46.2%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
6 analysts · 2026-09-30Mean target $56.83 +10.3%
← Below all targets
Current price $51.53
Low$54.00
Mean$56.83
High$62.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| NBTB | · | 12.5 | 10.4% | 92.5% | 9.1% | · |
| CLBK | · | 30.5 | 43.8% | · | · | · |
| PFS | $2.58B | 8.9 | 7.1% | 398.2% | 10.5% | · |
| BANC | $2.89B | 16.5 | -3.8% | 12.6% | 6.6% | · |
| BOH | $2.72B | 14.8 | -0.14% | 168.9% | 11.5% | · |
| FBK | $2.89B | 22.8 | 22.9% | 21.9% | 7.0% | · |
| TRMK | $2.30B | 10.5 | 42.6% | 28.0% | 10.7% | · |
| FIBK | $3.50B | 11.8 | 5.9% | 28.5% | 8.8% | · |
| FBNC | $2.11B | 19.0 | -3.6% | 164.2% | 6.9% | · |
| CUBI | · | · | · | · | · | · |
| FRME | · | · | · | · | · | · |
Trading Signals Recent buy/sell signals with entry price and risk/reward ratio
No open signal right now — no card is filled, and that's honest.
My Metrics Your personal watchlist — selected rows from Full Fundamentals
Pick the metrics that matter to you — click the + next to any row in Full Fundamentals above.
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Source: SEC 10-Q filed Aug 7, 2026