NBTB
NBT BANCORP INCCompany Information
- Company Name
- NBT BANCORP INC
- CIK
- CIK0000790359
- Category
- Large accelerated filer
- Ticker: Exchange
- NBTB: Nasdaq
- Fiscal Year End
- December 31
- Owner Organization
- 02 Finance
- SIC
- 6021
- SIC Description
- National Commercial Banks
- Ticker
- NBTB
SEC filing data through
Insider Sentiment
- Last purchase
- 2026-01-28
- Last sale
- 2026-07-29
- Shares purchased (TTM)
- 34,730
- Shares sold (TTM)
- 69,238
Institutional Sentiment
- As of
- 2026-06-30
- Institutional shares owned
- 35,448,055
- Shares outstanding
- 51,981,000
- Ownership
- 68.19%
Earnings Market Reaction
- Filing date
- 2026-08-07
- Price on filing date
- —
- 1-month reaction
- -2.11%
- 3-month reaction
- …
Balance Sheet
Values in millions ($)| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Trend |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash And Due From Banks | 187 | 152 | 185 | 246 | 265 | 217 | 205 | 251 | 172 | 162 | 174 | 213 | ||||||
| Interest Bearing Deposits In Banks | 107 | 565 | 302 | 394 | 277 | 37 | 79 | 232 | 35 | 157 | 31 | 459 | ||||||
| Equity Securities Fv Ni | - | - | - | - | - | - | - | - | 40 | 39 | 38 | 36 | ||||||
| Equity Securities Fv Ni Current And Noncurrent | 51 | 47 | 49 | 50 | 47 | 42 | 42 | 42 | - | - | 38 | - | ||||||
| Available For Sale Securities Debt Securities | 2,006 | 1,919 | 1,863 | 1,813 | 1,729 | 1,705 | 1,575 | 1,509 | 1,439 | 1,418 | 1,431 | 1,399 | ||||||
| Debt Securities Held To Maturity Amortized Cost After Allowance For Credit Loss | 755 | 749 | 763 | 771 | 810 | 837 | 843 | 855 | 879 | 891 | 905 | 915 | ||||||
| Federal Home Loan Bank Stock And Federal Reserve Bank Stock | 52 | 45 | 45 | 45 | 41 | 32 | 34 | 38 | 38 | 37 | 46 | 50 | ||||||
Assets | ||||||||||||||||||
| Assets | 16,215 | 16,204 | 15,995 | 16,113 | 16,015 | 13,864 | 13,787 | 13,840 | 13,502 | 13,439 | 13,309 | 13,828 | ||||||
| Loans Receivable Held For Sale Net Not Part Of Disposal Group | 0 | 0 | 1 | 4 | 4 | 14 | 10 | 4 | 3 | 3 | 3 | 4 | ||||||
| Notes Receivable Gross | 11,874 | 11,547 | 11,598 | 11,595 | 11,625 | 9,980 | 9,970 | 9,907 | 9,854 | 9,688 | 9,651 | 9,667 | ||||||
| Financing Receivable Allowance For Credit Losses | 141 | 139 | 138 | 139 | 140 | 117 | 116 | 120 | 121 | 115 | 114 | 115 | ||||||
| Notes Receivable Net | 11,734 | 11,409 | 11,460 | 11,456 | 11,484 | 9,863 | 9,854 | 9,788 | 9,734 | 9,573 | 9,536 | 9,553 | ||||||
| Property Plant And Equipment Net | 98 | 100 | 99 | 99 | 96 | 82 | 81 | 80 | 79 | 80 | 81 | 83 | ||||||
| Goodwill | 453 | 453 | 453 | 454 | 454 | 363 | 363 | 362 | 362 | 362 | 362 | 360 | ||||||
| Intangible Assets Net Excluding Goodwill | 51 | 54 | 58 | 61 | 64 | 34 | 36 | 36 | 37 | 39 | 40 | 43 | ||||||
| Bank Owned Life Insurance | 315 | 319 | 318 | 318 | 318 | 272 | 273 | 271 | 269 | 267 | 266 | 265 | ||||||
| Other Assets | 406 | 393 | 400 | 402 | 426 | 368 | 393 | 373 | 414 | 409 | 396 | 448 | ||||||
| Noninterest Bearing Deposit Liabilities Domestic | 3,861 | 3,847 | 3,800 | 3,871 | 3,867 | 3,399 | 3,446 | 3,476 | 3,334 | 3,360 | 3,414 | 3,716 | ||||||
| Time Deposits | 1,329 | 1,388 | 1,492 | 1,592 | 1,651 | 1,451 | 1,443 | 1,433 | 1,405 | 1,368 | 1,325 | 1,344 | ||||||
| Deposits | 13,537 | 13,743 | 13,499 | 13,661 | 13,515 | 11,709 | 11,547 | 11,588 | 11,271 | 11,195 | 10,969 | 11,401 | ||||||
| Short Term Borrowings | 316 | 118 | 148 | 139 | 113 | 86 | 163 | 205 | 225 | 267 | 387 | 490 | ||||||
Liabilities | ||||||||||||||||||
| Liabilities | 14,271 | 14,290 | 14,099 | 14,259 | 14,210 | 12,298 | 12,261 | 12,318 | 12,040 | 11,998 | 11,883 | 12,465 | ||||||
| Subordinated Debt | 0 | 25 | 25 | 24 | 142 | 122 | 121 | 121 | 120 | 120 | 120 | 119 | ||||||
| Junior Subordinated Debenture Owed To Unconsolidated Subsidiary Trust | 112 | 112 | 112 | 112 | 112 | 101 | 101 | 101 | 101 | 101 | 101 | 101 | ||||||
| Other Liabilities | 263 | 250 | 272 | 279 | 283 | 277 | 299 | 273 | 292 | 284 | 277 | 323 | ||||||
| Preferred Stock Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Common Stock Value | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | ||||||
| Additional Paid In Capital | 966 | 966 | 965 | 964 | 963 | 741 | 743 | 743 | 742 | 741 | 741 | 741 | ||||||
Stockholders Equity | ||||||||||||||||||
| Retained Earnings Accumulated Deficit | 1,263 | 1,229 | 1,197 | 1,161 | 1,126 | 1,121 | 1,100 | 1,080 | 1,058 | 1,041 | 1,022 | 1,006 | ||||||
| Stockholders Equity | 1,944 | 1,914 | 1,896 | 1,853 | 1,805 | 1,566 | 1,526 | 1,522 | 1,462 | 1,441 | 1,426 | 1,363 | ||||||
| Accumulated Other Comprehensive Income Loss Net Of Tax | -89 | -87 | -83 | -99 | -109 | -122 | -142 | -126 | -163 | -164 | -161 | -208 | ||||||
| Treasury Stock Common Value | -196 | -194 | -183 | -173 | -174 | -175 | -175 | -176 | -176 | -176 | -177 | -177 | ||||||
| Liabilities And Stockholders Equity | 16,215 | 16,204 | 15,995 | 16,113 | 16,015 | 13,864 | 13,787 | 13,840 | 13,502 | 13,439 | 13,309 | 13,828 | ||||||
| Held To Maturity Securities Fair Value | 693 | 687 | 703 | 706 | 735 | 756 | 750 | 782 | 780 | 793 | 815 | 784 | ||||||
| Preferred Stock Par Or Stated Value Per Share | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | ||||||
| Preferred Stock Shares Authorized | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | ||||||
| Common Stock Par Or Stated Value Per Share | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | ||||||
| Common Stock Shares Authorized | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | ||||||
| Common Stock Shares Issued | 59 | 59 | 59 | 59 | 59 | 54 | 54 | 54 | 54 | 54 | 54 | 54 | ||||||
| Treasury Stock Common Shares | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | ||||||
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Recent filings
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
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Start 7-day free trialNBT BANCORP INC (NBTB) — SEC Financial Statements & Analysis
NBT BANCORP INC (NBTB) is a national commercial banks company, incorporated in DE. NBT BANCORP INC trades on Nasdaq as: NBTB. NBT BANCORP INC (NBTB)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-07. Based on that filing, NBT BANCORP INC carries a market cap of $2.55B, a P/E ratio of 11.89x, a P/B ratio of 1.31x, a P/S ratio of 3.41x, an enterprise value of $2.57B, and an EV/EBITDA multiple of -10.24x. On profitability, it posts a gross margin of 72.44%, an operating margin of 37.10%, a net margin of 28.65%, a Return on Equity (ROE) of 11.42%, and a Return on Invested Capital (ROIC) of -12.10%. Per share, it reports EPS of $4.12, diluted EPS of $4.12, free cash flow per share of $4.72, and a dividend per share of $1.48. Over the trailing year, it posted revenue growth of 15.71% year-over-year, net income growth of 60.59% year-over-year, and EPS growth of 56.24% year-over-year. On the balance sheet, it maintains an interest coverage ratio of -0.49x, free cash flow of $245.61M (TTM), and net debt of $21.79M. Figures sourced from SEC EDGAR.
- Market Cap
- $2.55B
- P/E TTM
- 11.89x
- EPS TTM
- $4.12
- P/B TTM
- 1.31x
- ROE TTM
- 11.42%
- Free Cash Flow TTM
- $245.61M
- Net Revenue TTM Growth 1Y
- 15.71%
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is NBT BANCORP INC in?
NBT BANCORP INC (NBTB) operates in the National Commercial Banks industry.
What exchange does NBTB trade on?
NBT BANCORP INC (NBTB) trades on the Nasdaq.
Where is NBT BANCORP INC incorporated?
NBT BANCORP INC is incorporated in DE.
When was NBT BANCORP INC (NBTB)'s most recent SEC filing?
NBT BANCORP INC (NBTB)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-07.
What is NBTB's market cap?
NBT BANCORP INC (NBTB) has a market capitalization of $2.55B as of 2026-06-30.
What is NBTB's P/E ratio?
NBT BANCORP INC (NBTB)'s trailing twelve month P/E ratio is 11.89x as of 2026-06-30.
What is NBTB's EPS (earnings per share)?
NBT BANCORP INC (NBTB)'s trailing twelve month EPS is $4.12 as of 2026-06-30.
What is NBTB's ROE (return on equity)?
NBT BANCORP INC (NBTB)'s trailing twelve month Return on Equity (ROE) is 11.42% as of 2026-06-30.
What is NBTB's ROIC (return on invested capital)?
NBT BANCORP INC (NBTB)'s trailing twelve month Return on Invested Capital (ROIC) is -12.10% as of 2026-06-30.
What is NBTB's EV/EBITDA?
NBT BANCORP INC (NBTB)'s trailing twelve month EV/EBITDA is -10.24x as of 2026-06-30.