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NBT Bancorp Inc Share Price

NBTB

NSQ

$45.82

+$0.26

(0.57%)

Industry: Banks Sector: Financials

NBT Bancorp Inc Analyst Forecast

Overview Returns Financials Ratios News FAQs

NBT Bancorp Inc Share Price Chart

NBT Bancorp Inc Key Stock Metrics

Market Cap info-icon

This is a company’s total value as determined by the stock market. It is calculated by multiplying the total number of a company's outstanding shares by the current market price of one share.

$2.38B

P/E Ratio

This is the ratio of a security’s current share price to its earnings per share. This ratio determines the relative value of a company’s share.

13.6817

Volume

This is the total number of shares traded during the most recent trading day.

168.54K

Avg Volume info-icon

This is the average number of shares traded during the most recent 30 days.

Dividend Yield info-icon

This ratio shows how much income you earn in dividend payouts per year for every dollar invested in the stock (or the stock’s annual dividend payment expressed as a percentage of its current price).

3.12%

Beta

This measures the expected move in a stock’s price relative to movements in the overall market. The market, such as the S&P 500 Index, has a beta of 1.0. If a stock has a Beta greater (or lower) than 1.0, it suggests that the stock is more (or less) volatile than the broader market.

0.50

52-week Range info-icon

This shows the range of the stock’s price between the 52-week high (the highest price of the stock for the past 52 weeks) and the 52-week low (the lowest price of the stock for the past 52 weeks).

$36.37 L

$47.1 H

$45.82

About NBT Bancorp Inc, Common Stock

NBT Bancorp Inc., a financial holding company, provides commercial banking, retail banking, and wealth management services. Its deposit products include demand deposit, savings, negotiable order of withdrawal, money market deposit, and certificate of deposit accounts. The company's loan portfolio comprises indirect and direct consumer, home equity, mortgages, business banking loans, and commercial loans; commercial and industrial, commercial real estate, agricultural, and commercial construction loans; and residential real estate loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan administration and record keeping services. In addition, the company offers insurance products comprising personal property and casualty, business liability, and commercial insurance, as well as other products and services through 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 operates in 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. more

Industry: BanksSector: Financials

NBT Bancorp Inc Stock Returns

Time Frame	NBTB	Sector	S&P500
1-Week Return	-1.78%	-4.74%	-1.38%
1-Month Return	8.76%	-4.68%	-1.81%
3-Month Return	11.21%	-2.43%	1.38%
6-Month Return	5.48%	-2.03%	5.68%
1-Year Return	-4.62%	-0.02%	11.74%
3-Year Return	12.69%	40.04%	65.15%
5-Year Return	28.74%	61.23%	73.68%
10-Year Return	75.49%	205.62%	260.03%

Time Frame	NBTB	Sector	S&P500
1-Week Return	-60.80%	-92.05%	-51.55%
1-Month Return	177.78%	-44.19%	-19.93%
3-Month Return	53.86%	-9.50%	5.72%
6-Month Return	11.43%	-4.07%	11.85%
1-Year Return	-4.62%	-0.02%	11.74%
3-Year Return	4.06%	11.88%	18.20%
5-Year Return	5.18%	10.02%	11.67%
10-Year Return	5.79%	11.82%	13.67%

NBT Bancorp Inc Financials

	Dec '21	Dec '22	Dec '23	Dec '24	Dec '25	5YR TREND
Total Revenue	494.75M	537.00M	662.35M	785.99M	867.43M	[{"date":"2021-12-31","value":57.04,"profit":true},{"date":"2022-12-31","value":61.91,"profit":true},{"date":"2023-12-31","value":76.36,"profit":true},{"date":"2024-12-31","value":90.61,"profit":true},{"date":"2025-12-31","value":100,"profit":true}]
Cost of Revenue	10.53M	39.03M	169.84M	231.16M	241.70M	[{"date":"2021-12-31","value":4.36,"profit":true},{"date":"2022-12-31","value":16.15,"profit":true},{"date":"2023-12-31","value":70.27,"profit":true},{"date":"2024-12-31","value":95.64,"profit":true},{"date":"2025-12-31","value":100,"profit":true}]
Gross Profit	484.22M	497.97M	492.50M	554.83M	625.73M	[{"date":"2021-12-31","value":77.39,"profit":true},{"date":"2022-12-31","value":79.58,"profit":true},{"date":"2023-12-31","value":78.71,"profit":true},{"date":"2024-12-31","value":88.67,"profit":true},{"date":"2025-12-31","value":100,"profit":true}]
Gross Margin	97.87%	92.73%	74.36%	70.59%	72.14%	[{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":94.75,"profit":true},{"date":"2023-12-31","value":75.97,"profit":true},{"date":"2024-12-31","value":72.13,"profit":true},{"date":"2025-12-31","value":73.71,"profit":true}]

Operating Expenses	284.37M	301.82M	339.05M	375.38M	406.29M	[{"date":"2021-12-31","value":69.99,"profit":true},{"date":"2022-12-31","value":74.29,"profit":true},{"date":"2023-12-31","value":83.45,"profit":true},{"date":"2024-12-31","value":92.39,"profit":true},{"date":"2025-12-31","value":100,"profit":true}]
Operating Income	199.86M	196.16M	153.46M	179.46M	219.44M	[{"date":"2021-12-31","value":91.07,"profit":true},{"date":"2022-12-31","value":89.39,"profit":true},{"date":"2023-12-31","value":69.93,"profit":true},{"date":"2024-12-31","value":81.78,"profit":true},{"date":"2025-12-31","value":100,"profit":true}]
Total Non-Operating Income/Expense	520.95M	361.22M	330.30M	398.59M	-	[{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":69.34,"profit":true},{"date":"2023-12-31","value":63.4,"profit":true},{"date":"2024-12-31","value":76.51,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Pre-Tax Income	199.86M	196.16M	153.46M	179.46M	219.44M	[{"date":"2021-12-31","value":91.07,"profit":true},{"date":"2022-12-31","value":89.39,"profit":true},{"date":"2023-12-31","value":69.93,"profit":true},{"date":"2024-12-31","value":81.78,"profit":true},{"date":"2025-12-31","value":100,"profit":true}]
Income Taxes	44.97M	44.16M	34.68M	38.82M	50.21M	[{"date":"2021-12-31","value":89.57,"profit":true},{"date":"2022-12-31","value":87.95,"profit":true},{"date":"2023-12-31","value":69.07,"profit":true},{"date":"2024-12-31","value":77.31,"profit":true},{"date":"2025-12-31","value":100,"profit":true}]
Income After Taxes	154.88M	152.00M	118.78M	140.64M	-	[{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":98.13,"profit":true},{"date":"2023-12-31","value":76.69,"profit":true},{"date":"2024-12-31","value":90.8,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]

Income From Continuous Operations	154.88M	152.00M	124.46M	140.64M	-	[{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":98.13,"profit":true},{"date":"2023-12-31","value":80.35,"profit":true},{"date":"2024-12-31","value":90.8,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Income From Discontinued Operations	-	-	-	-	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":"-","profit":true},{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Net Income	154.88M	152.00M	118.78M	140.64M	169.24M	[{"date":"2021-12-31","value":91.52,"profit":true},{"date":"2022-12-31","value":89.81,"profit":true},{"date":"2023-12-31","value":70.19,"profit":true},{"date":"2024-12-31","value":83.1,"profit":true},{"date":"2025-12-31","value":100,"profit":true}]

EPS (Diluted)	3.62	3.54	3.24	2.94	3.75	[{"date":"2021-12-31","value":96.53,"profit":true},{"date":"2022-12-31","value":94.4,"profit":true},{"date":"2023-12-31","value":86.4,"profit":true},{"date":"2024-12-31","value":78.4,"profit":true},{"date":"2025-12-31","value":100,"profit":true}]

	Dec '21	Dec '22	Dec '23	Dec '24	Dec '25	5YR TREND
Total Revenue	-	8.54%	23.34%	18.67%	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":36.58,"profit":true},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":79.97,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Cost of Revenue	-	270.59%	335.20%	36.10%	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":80.73,"profit":true},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":10.77,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Gross Profit	-	2.84%	(1.10%)	12.66%	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":22.44,"profit":true},{"date":"2023-12-31","value":-8.68,"profit":false},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Gross Margin	-	(5.25%)	(19.82%)	(5.07%)	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":null,"profit":false},{"date":"2023-12-31","value":null,"profit":false},{"date":"2024-12-31","value":null,"profit":false},{"date":"2025-12-31","value":"-","profit":true}]

Operating Expenses	-	6.14%	12.33%	10.72%	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":49.76,"profit":true},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":86.87,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Operating Income	-	(1.85%)	(21.77%)	16.94%	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":-10.93,"profit":false},{"date":"2023-12-31","value":-128.48,"profit":false},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Total Non-Operating Income/Expense	-	(30.66%)	(8.56%)	20.67%	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":-148.3,"profit":false},{"date":"2023-12-31","value":-41.4,"profit":false},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Pre-Tax Income	-	(1.85%)	(21.77%)	16.94%	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":-10.93,"profit":false},{"date":"2023-12-31","value":-128.48,"profit":false},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Income Taxes	-	(1.81%)	(21.48%)	11.94%	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":-15.12,"profit":false},{"date":"2023-12-31","value":-179.88,"profit":false},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Income After Taxes	-	(1.87%)	(21.85%)	18.40%	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":-10.14,"profit":false},{"date":"2023-12-31","value":-118.74,"profit":false},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]

Income From Continuous Operations	-	(1.87%)	(18.12%)	13.00%	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":-14.35,"profit":false},{"date":"2023-12-31","value":-139.33,"profit":false},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Income From Discontinued Operations	-	-	-	-	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":"-","profit":true},{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Net Income	-	(1.87%)	(21.85%)	18.40%	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":-10.14,"profit":false},{"date":"2023-12-31","value":-118.74,"profit":false},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]

EPS (Diluted)	-	(2.21%)	(8.47%)	(9.26%)	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":null,"profit":false},{"date":"2023-12-31","value":null,"profit":false},{"date":"2024-12-31","value":null,"profit":false},{"date":"2025-12-31","value":"-","profit":true}]

	Dec '24	Mar '25	Jun '25	Sep '25	Dec '25	TREND
Total Revenue	199.49M	201.20M	224.02M	238.77M	238.25M	[{"date":"2024-12-31","value":83.55,"profit":true},{"date":"2025-03-31","value":84.26,"profit":true},{"date":"2025-06-30","value":93.82,"profit":true},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":99.78,"profit":true}]
Cost of Revenue	53.84M	54.73M	71.19M	55.80M	56.87M	[{"date":"2024-12-31","value":75.63,"profit":true},{"date":"2025-03-31","value":76.88,"profit":true},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":78.39,"profit":true},{"date":"2025-12-31","value":79.88,"profit":true}]
Gross Profit	145.65M	146.46M	152.83M	182.97M	181.38M	[{"date":"2024-12-31","value":79.6,"profit":true},{"date":"2025-03-31","value":80.05,"profit":true},{"date":"2025-06-30","value":83.53,"profit":true},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":99.13,"profit":true}]
Gross Margin	73.01%	72.80%	68.22%	76.63%	76.13%	[{"date":"2024-12-31","value":95.28,"profit":true},{"date":"2025-03-31","value":95,"profit":true},{"date":"2025-06-30","value":89.03,"profit":true},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":99.35,"profit":true}]

Operating Expenses	100.10M	99.24M	122.12M	111.14M	111.69M	[{"date":"2024-12-31","value":81.97,"profit":true},{"date":"2025-03-31","value":81.26,"profit":true},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":91.01,"profit":true},{"date":"2025-12-31","value":91.46,"profit":true}]
Operating Income	45.55M	47.22M	30.71M	71.83M	69.69M	[{"date":"2024-12-31","value":63.41,"profit":true},{"date":"2025-03-31","value":65.74,"profit":true},{"date":"2025-06-30","value":42.75,"profit":true},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":97.03,"profit":true}]
Total Non-Operating Income/Expense	105.21M	106.00M	107.04M	-	-	[{"date":"2024-12-31","value":98.29,"profit":true},{"date":"2025-03-31","value":99.03,"profit":true},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":"-","profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Pre-Tax Income	45.55M	47.22M	30.71M	71.83M	69.69M	[{"date":"2024-12-31","value":63.41,"profit":true},{"date":"2025-03-31","value":65.74,"profit":true},{"date":"2025-06-30","value":42.75,"profit":true},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":97.03,"profit":true}]
Income Taxes	9.54M	10.48M	8.20M	17.35M	14.18M	[{"date":"2024-12-31","value":54.98,"profit":true},{"date":"2025-03-31","value":60.37,"profit":true},{"date":"2025-06-30","value":47.23,"profit":true},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":81.72,"profit":true}]
Income After Taxes	36.01M	36.74M	22.51M	54.47M	-	[{"date":"2024-12-31","value":66.1,"profit":true},{"date":"2025-03-31","value":67.46,"profit":true},{"date":"2025-06-30","value":41.32,"profit":true},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]

Income From Continuous Operations	36.01M	36.74M	22.51M	54.47M	-	[{"date":"2024-12-31","value":66.1,"profit":true},{"date":"2025-03-31","value":67.46,"profit":true},{"date":"2025-06-30","value":41.32,"profit":true},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Income From Discontinued Operations	-	-	-	-	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":"-","profit":true},{"date":"2025-06-30","value":"-","profit":true},{"date":"2025-09-30","value":"-","profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Net Income	36.01M	36.74M	22.51M	54.47M	55.51M	[{"date":"2024-12-31","value":64.86,"profit":true},{"date":"2025-03-31","value":66.2,"profit":true},{"date":"2025-06-30","value":40.55,"profit":true},{"date":"2025-09-30","value":98.13,"profit":true},{"date":"2025-12-31","value":100,"profit":true}]

EPS (Diluted)	0.77	0.77	0.88	1.05	1.05	[{"date":"2024-12-31","value":73.33,"profit":true},{"date":"2025-03-31","value":73.33,"profit":true},{"date":"2025-06-30","value":83.81,"profit":true},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":100,"profit":true}]

	Dec '24	Mar '25	Jun '25	Sep '25	Dec '25	TREND
Total Revenue	-	0.86%	11.34%	6.59%	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":7.56,"profit":true},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":58.06,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Cost of Revenue	-	1.66%	30.07%	(21.61%)	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":5.52,"profit":true},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":-71.89,"profit":false},{"date":"2025-12-31","value":"-","profit":true}]
Gross Profit	-	0.56%	4.35%	19.72%	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":2.84,"profit":true},{"date":"2025-06-30","value":22.04,"profit":true},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Gross Margin	-	(0.29%)	(6.28%)	12.33%	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":-2.39,"profit":false},{"date":"2025-06-30","value":-50.99,"profit":false},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]

Operating Expenses	-	(0.86%)	23.05%	(8.99%)	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":-3.71,"profit":false},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":-38.98,"profit":false},{"date":"2025-12-31","value":"-","profit":true}]
Operating Income	-	3.68%	(34.97%)	133.90%	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":2.74,"profit":true},{"date":"2025-06-30","value":-26.12,"profit":false},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Total Non-Operating Income/Expense	-	0.76%	0.98%	-	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":77.17,"profit":true},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":"-","profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Pre-Tax Income	-	3.68%	(34.97%)	133.90%	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":2.74,"profit":true},{"date":"2025-06-30","value":-26.12,"profit":false},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Income Taxes	-	9.79%	(21.75%)	111.71%	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":8.76,"profit":true},{"date":"2025-06-30","value":-19.47,"profit":false},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Income After Taxes	-	2.06%	(38.74%)	141.99%	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":1.45,"profit":true},{"date":"2025-06-30","value":-27.28,"profit":false},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]

Income From Continuous Operations	-	2.06%	(38.74%)	141.99%	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":1.45,"profit":true},{"date":"2025-06-30","value":-27.28,"profit":false},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Income From Discontinued Operations	-	-	-	-	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":"-","profit":true},{"date":"2025-06-30","value":"-","profit":true},{"date":"2025-09-30","value":"-","profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Net Income	-	2.06%	(38.74%)	141.99%	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":1.45,"profit":true},{"date":"2025-06-30","value":-27.28,"profit":false},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]

EPS (Diluted)	-	-	14.29%	19.32%	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":"-","profit":true},{"date":"2025-06-30","value":73.95,"profit":true},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]

	Dec '21	Dec '22	Dec '23	Dec '24	Dec '25	5YR TREND
Total Assets
Current Assets	2.96B	1.72B	1.64B	420.42M	2.05B	[{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":58.33,"profit":true},{"date":"2023-12-31","value":55.34,"profit":true},{"date":"2024-12-31","value":14.22,"profit":true},{"date":"2025-12-31","value":69.27,"profit":true}]
Non-current Assets	9.06B	10.01B	11.67B	13.37B	610.21M	[{"date":"2021-12-31","value":67.75,"profit":true},{"date":"2022-12-31","value":74.93,"profit":true},{"date":"2023-12-31","value":87.33,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":4.57,"profit":true}]
Total Assets	12.01B	11.74B	13.31B	13.79B	16.00B	[{"date":"2021-12-31","value":75.1,"profit":true},{"date":"2022-12-31","value":73.39,"profit":true},{"date":"2023-12-31","value":83.21,"profit":true},{"date":"2024-12-31","value":86.19,"profit":true},{"date":"2025-12-31","value":100,"profit":true}]

Total Liabilities
Current Liabilities	10.33B	10.08B	11.36B	11.71B	148.07M	[{"date":"2021-12-31","value":88.24,"profit":true},{"date":"2022-12-31","value":86.09,"profit":true},{"date":"2023-12-31","value":96.98,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":1.26,"profit":true}]
Non-current Liabilities	429.39M	484.80M	527.70M	550.82M	3.80B	[{"date":"2021-12-31","value":11.3,"profit":true},{"date":"2022-12-31","value":12.76,"profit":true},{"date":"2023-12-31","value":13.89,"profit":true},{"date":"2024-12-31","value":14.49,"profit":true},{"date":"2025-12-31","value":100,"profit":true}]
Total Liabilities	10.76B	10.57B	11.88B	12.26B	14.10B	[{"date":"2021-12-31","value":76.33,"profit":true},{"date":"2022-12-31","value":74.94,"profit":true},{"date":"2023-12-31","value":84.29,"profit":true},{"date":"2024-12-31","value":86.96,"profit":true},{"date":"2025-12-31","value":100,"profit":true}]

Total Shareholders' equity
Common Stock	497.00K	497.00K	540.00K	540.00K	-	[{"date":"2021-12-31","value":92.04,"profit":true},{"date":"2022-12-31","value":92.04,"profit":true},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Retained Earnings	856.20M	958.43M	1.02B	1.10B	-	[{"date":"2021-12-31","value":77.82,"profit":true},{"date":"2022-12-31","value":87.11,"profit":true},{"date":"2023-12-31","value":92.88,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Other Stockholders' Equity	417.10M	404.66M	564.25M	567.49M	1.90B	[{"date":"2021-12-31","value":22,"profit":true},{"date":"2022-12-31","value":21.34,"profit":true},{"date":"2023-12-31","value":29.76,"profit":true},{"date":"2024-12-31","value":29.93,"profit":true},{"date":"2025-12-31","value":100,"profit":true}]
Total Shareholders' equity	1.25B	1.17B	1.43B	1.53B	1.90B	[{"date":"2021-12-31","value":65.94,"profit":true},{"date":"2022-12-31","value":61.89,"profit":true},{"date":"2023-12-31","value":75.19,"profit":true},{"date":"2024-12-31","value":80.48,"profit":true},{"date":"2025-12-31","value":100,"profit":true}]

Total Liabilities & Shareholders Equity	12.01B	11.74B	13.31B	13.79B	16.00B	[{"date":"2021-12-31","value":75.1,"profit":true},{"date":"2022-12-31","value":73.39,"profit":true},{"date":"2023-12-31","value":83.21,"profit":true},{"date":"2024-12-31","value":86.19,"profit":true},{"date":"2025-12-31","value":100,"profit":true}]

	Dec '21	Dec '22	Dec '23	Dec '24	Dec '25	5YR TREND
Total Assets
Current Assets	-	(41.67%)	(5.13%)	(74.30%)	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":null,"profit":false},{"date":"2023-12-31","value":null,"profit":false},{"date":"2024-12-31","value":null,"profit":false},{"date":"2025-12-31","value":"-","profit":true}]
Non-current Assets	-	10.59%	16.56%	14.51%	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":63.96,"profit":true},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":87.6,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Total Assets	-	(2.27%)	13.37%	3.59%	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":-16.98,"profit":false},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":26.84,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]

Total Liabilities
Current Liabilities	-	(2.43%)	12.64%	3.12%	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":-19.24,"profit":false},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":24.66,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Non-current Liabilities	-	12.90%	8.85%	4.38%	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":68.59,"profit":true},{"date":"2024-12-31","value":33.95,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Total Liabilities	-	(1.82%)	12.47%	3.17%	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":-14.6,"profit":false},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":25.45,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]

Total Shareholders' equity
Common Stock	-	-	8.65%	-	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":"-","profit":true},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Retained Earnings	-	11.94%	6.61%	7.67%	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":55.4,"profit":true},{"date":"2024-12-31","value":64.24,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Other Stockholders' Equity	-	(2.98%)	39.44%	0.57%	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":-7.56,"profit":false},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":1.45,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Total Shareholders' equity	-	(6.15%)	21.48%	7.05%	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":-28.62,"profit":false},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":32.79,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]

Total Liabilities & Shareholders Equity	-	(2.27%)	13.37%	3.59%	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":-16.98,"profit":false},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":26.84,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]

	Dec '24	Mar '25	Jun '25	Sep '25	Dec '25	TREND
Total Assets
Current Assets	420.42M	438.79M	723.99M	806.05M	2.05B	[{"date":"2024-12-31","value":20.53,"profit":true},{"date":"2025-03-31","value":21.43,"profit":true},{"date":"2025-06-30","value":35.35,"profit":true},{"date":"2025-09-30","value":39.36,"profit":true},{"date":"2025-12-31","value":100,"profit":true}]
Non-current Assets	13.37B	13.43B	15.29B	15.31B	610.21M	[{"date":"2024-12-31","value":87.32,"profit":true},{"date":"2025-03-31","value":87.71,"profit":true},{"date":"2025-06-30","value":99.9,"profit":true},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":3.99,"profit":true}]
Total Assets	13.79B	13.86B	16.01B	16.11B	16.00B	[{"date":"2024-12-31","value":85.56,"profit":true},{"date":"2025-03-31","value":86.05,"profit":true},{"date":"2025-06-30","value":99.39,"profit":true},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":99.27,"profit":true}]

Total Liabilities
Current Liabilities	11.71B	11.79B	13.63B	13.80B	148.07M	[{"date":"2024-12-31","value":84.86,"profit":true},{"date":"2025-03-31","value":85.47,"profit":true},{"date":"2025-06-30","value":98.76,"profit":true},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":1.07,"profit":true}]
Non-current Liabilities	550.82M	504.37M	581.41M	459.79M	13.95B	[{"date":"2024-12-31","value":3.95,"profit":true},{"date":"2025-03-31","value":3.62,"profit":true},{"date":"2025-06-30","value":4.17,"profit":true},{"date":"2025-09-30","value":3.3,"profit":true},{"date":"2025-12-31","value":100,"profit":true}]
Total Liabilities	12.26B	12.30B	14.21B	14.26B	14.10B	[{"date":"2024-12-31","value":85.98,"profit":true},{"date":"2025-03-31","value":86.25,"profit":true},{"date":"2025-06-30","value":99.65,"profit":true},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":98.87,"profit":true}]

Total Shareholders' equity
Common Stock	540.00K	540.00K	591.00K	591.00K	-	[{"date":"2024-12-31","value":91.37,"profit":true},{"date":"2025-03-31","value":91.37,"profit":true},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Retained Earnings	1.10B	1.12B	1.13B	1.16B	-	[{"date":"2024-12-31","value":94.79,"profit":true},{"date":"2025-03-31","value":96.57,"profit":true},{"date":"2025-06-30","value":96.98,"profit":true},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Other Stockholders' Equity	567.49M	566.16M	788.47M	790.78M	1.90B	[{"date":"2024-12-31","value":29.93,"profit":true},{"date":"2025-03-31","value":29.86,"profit":true},{"date":"2025-06-30","value":41.58,"profit":true},{"date":"2025-09-30","value":41.7,"profit":true},{"date":"2025-12-31","value":100,"profit":true}]
Total Shareholders' equity	1.53B	1.57B	1.81B	1.85B	1.90B	[{"date":"2024-12-31","value":80.48,"profit":true},{"date":"2025-03-31","value":82.57,"profit":true},{"date":"2025-06-30","value":95.2,"profit":true},{"date":"2025-09-30","value":97.73,"profit":true},{"date":"2025-12-31","value":100,"profit":true}]

Total Liabilities & Shareholders Equity	13.79B	13.86B	16.01B	16.11B	16.00B	[{"date":"2024-12-31","value":85.56,"profit":true},{"date":"2025-03-31","value":86.05,"profit":true},{"date":"2025-06-30","value":99.39,"profit":true},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":99.27,"profit":true}]

	Dec '24	Mar '25	Jun '25	Sep '25	Dec '25	TREND
Total Assets
Current Assets	-	4.37%	65.00%	11.33%	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":6.72,"profit":true},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":17.44,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Non-current Assets	-	0.44%	13.89%	0.10%	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":3.19,"profit":true},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":0.74,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Total Assets	-	0.56%	15.51%	0.61%	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":3.63,"profit":true},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":3.94,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]

Total Liabilities
Current Liabilities	-	0.72%	15.55%	1.26%	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":4.64,"profit":true},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":8.09,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Non-current Liabilities	-	(8.43%)	15.28%	(20.92%)	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":-55.21,"profit":false},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":-136.94,"profit":false},{"date":"2025-12-31","value":"-","profit":true}]
Total Liabilities	-	0.31%	15.54%	0.35%	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":1.99,"profit":true},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":2.26,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]

Total Shareholders' equity
Common Stock	-	-	9.44%	-	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":"-","profit":true},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":"-","profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Retained Earnings	-	1.88%	0.42%	3.12%	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":60.33,"profit":true},{"date":"2025-06-30","value":13.46,"profit":true},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Other Stockholders' Equity	-	(0.23%)	39.27%	0.29%	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":-0.6,"profit":false},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":0.74,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Total Shareholders' equity	-	2.60%	15.29%	2.66%	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":16.99,"profit":true},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":17.38,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]

Total Liabilities & Shareholders Equity	-	0.56%	15.51%	0.61%	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":3.63,"profit":true},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":3.94,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]

	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	5YR TREND
Operating Activities
Net Operating Cash Flow	142.41M	157.63M	183.22M	157.46M	188.57M	[{"date":"2020-12-31","value":75.52,"profit":true},{"date":"2021-12-31","value":83.6,"profit":true},{"date":"2022-12-31","value":97.17,"profit":true},{"date":"2023-12-31","value":83.5,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]

Investing Activities
Net Investing Cash Flow	(709.73M)	(546.06M)	(926.22M)	(44.23M)	(399.16M)	[{"date":"2020-12-31","value":-70972500000,"profit":false},{"date":"2021-12-31","value":-54605800000,"profit":false},{"date":"2022-12-31","value":-92621600000,"profit":false},{"date":"2023-12-31","value":-4422600000,"profit":false},{"date":"2024-12-31","value":-39916000000,"profit":false}]

Financing Activities
Net Financing Cash Flow	1.02B	984.81M	(328.73M)	(105.39M)	289.46M	[{"date":"2020-12-31","value":100,"profit":true},{"date":"2021-12-31","value":96.25,"profit":true},{"date":"2022-12-31","value":-32.13,"profit":false},{"date":"2023-12-31","value":-10.3,"profit":false},{"date":"2024-12-31","value":28.29,"profit":true}]

Net Change in Cash	455.84M	596.39M	(1.07B)	7.84M	78.87M	[{"date":"2020-12-31","value":76.43,"profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":-179.7,"profit":false},{"date":"2023-12-31","value":1.31,"profit":true},{"date":"2024-12-31","value":13.22,"profit":true}]

Free Cash Flow
Free Cash Flow	134.25M	149.90M	176.21M	148.20M	176.82M	[{"date":"2020-12-31","value":75.93,"profit":true},{"date":"2021-12-31","value":84.77,"profit":true},{"date":"2022-12-31","value":99.65,"profit":true},{"date":"2023-12-31","value":83.81,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]

	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	5YR TREND
Operating Activities
Net Operating Cash Flow	-	10.69%	16.23%	(14.06%)	19.76%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":54.1,"profit":true},{"date":"2022-12-31","value":82.16,"profit":true},{"date":"2023-12-31","value":-71.18,"profit":false},{"date":"2024-12-31","value":100,"profit":true}]

Investing Activities
Net Investing Cash Flow	-	(23.06%)	69.62%	(95.23%)	802.55%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":-2.87,"profit":false},{"date":"2022-12-31","value":8.67,"profit":true},{"date":"2023-12-31","value":-11.87,"profit":false},{"date":"2024-12-31","value":100,"profit":true}]

Financing Activities
Net Financing Cash Flow	-	(3.75%)	(133.38%)	(67.94%)	(374.65%)	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":null,"profit":false},{"date":"2022-12-31","value":null,"profit":false},{"date":"2023-12-31","value":null,"profit":false},{"date":"2024-12-31","value":null,"profit":false}]

Net Change in Cash	-	30.83%	(279.70%)	(100.73%)	906.08%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":3.4,"profit":true},{"date":"2022-12-31","value":-30.87,"profit":false},{"date":"2023-12-31","value":-11.12,"profit":false},{"date":"2024-12-31","value":100,"profit":true}]

Free Cash Flow
Free Cash Flow	-	11.65%	17.56%	(15.90%)	19.31%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":60.32,"profit":true},{"date":"2022-12-31","value":90.92,"profit":true},{"date":"2023-12-31","value":-82.31,"profit":false},{"date":"2024-12-31","value":100,"profit":true}]

	Sep '24	Dec '24	Mar '25	Jun '25	Sep '25	TREND
Operating Activities
Net Operating Cash Flow	52.13M	49.17M	42.01M	46.48M	80.59M	[{"date":"2024-09-30","value":64.69,"profit":true},{"date":"2024-12-31","value":61.01,"profit":true},{"date":"2025-03-31","value":52.12,"profit":true},{"date":"2025-06-30","value":57.67,"profit":true},{"date":"2025-09-30","value":100,"profit":true}]

Investing Activities
Net Investing Cash Flow	(58.01M)	(147.59M)	(113.16M)	331.90M	(13.82M)	[{"date":"2024-09-30","value":-17.48,"profit":false},{"date":"2024-12-31","value":-44.47,"profit":false},{"date":"2025-03-31","value":-34.1,"profit":false},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":-4.16,"profit":false}]

Financing Activities
Net Financing Cash Flow	280.82M	(99.98M)	41.19M	(90.89M)	31.91M	[{"date":"2024-09-30","value":100,"profit":true},{"date":"2024-12-31","value":-35.6,"profit":false},{"date":"2025-03-31","value":14.67,"profit":true},{"date":"2025-06-30","value":-32.37,"profit":false},{"date":"2025-09-30","value":11.36,"profit":true}]

Net Change in Cash	274.94M	(198.40M)	(29.97M)	287.48M	98.68M	[{"date":"2024-09-30","value":95.64,"profit":true},{"date":"2024-12-31","value":-69.01,"profit":false},{"date":"2025-03-31","value":-10.43,"profit":false},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":34.33,"profit":true}]

Free Cash Flow
Free Cash Flow	47.83M	45.54M	38.30M	42.78M	74.35M	[{"date":"2024-09-30","value":64.33,"profit":true},{"date":"2024-12-31","value":61.25,"profit":true},{"date":"2025-03-31","value":51.52,"profit":true},{"date":"2025-06-30","value":57.53,"profit":true},{"date":"2025-09-30","value":100,"profit":true}]

	Sep '24	Dec '24	Mar '25	Jun '25	Sep '25	TREND
Operating Activities
Net Operating Cash Flow	-	(5.69%)	(14.57%)	10.65%	73.40%	[{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":-7.75,"profit":false},{"date":"2025-03-31","value":-19.85,"profit":false},{"date":"2025-06-30","value":14.51,"profit":true},{"date":"2025-09-30","value":100,"profit":true}]

Investing Activities
Net Investing Cash Flow	-	154.43%	(23.33%)	(393.29%)	(104.16%)	[{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-03-31","value":-15.11,"profit":false},{"date":"2025-06-30","value":-254.68,"profit":false},{"date":"2025-09-30","value":-67.45,"profit":false}]

Financing Activities
Net Financing Cash Flow	-	(135.60%)	(141.19%)	(320.70%)	(135.11%)	[{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":null,"profit":false},{"date":"2025-03-31","value":null,"profit":false},{"date":"2025-06-30","value":null,"profit":false},{"date":"2025-09-30","value":null,"profit":false}]

Net Change in Cash	-	(172.16%)	(84.89%)	(1059.13%)	(65.67%)	[{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":null,"profit":false},{"date":"2025-03-31","value":null,"profit":false},{"date":"2025-06-30","value":null,"profit":false},{"date":"2025-09-30","value":null,"profit":false}]

Free Cash Flow
Free Cash Flow	-	(4.79%)	(15.88%)	11.68%	73.81%	[{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":-6.48,"profit":false},{"date":"2025-03-31","value":-21.52,"profit":false},{"date":"2025-06-30","value":15.82,"profit":true},{"date":"2025-09-30","value":100,"profit":true}]

NBT Bancorp Inc Ratios

NBT Bancorp Inc Liquidity Ratios

These ratios help you determine the liquidity of the company. Higher is better.

	NBTB
Cash Ratio	13.83
Current Ratio	13.83

NBT Bancorp Inc Asset Efficiency Ratios

These ratios help you understand the company's efficiency in using its assets to generate returns. Higher is better. For ROE, average long term is around 14%, less than 10% is poor.

	NBTB
ROA (LTM)	1.14%
ROE (LTM)	9.89%

NBT Bancorp Inc Liability Ratios

These ratios help you understand the company's liabilities, gauging the riskiness of the investment.

	NBTB
Debt Ratio Lower is generally better. Negative is bad.	0.88
Common Equity/Total Assets Higher is better. Lower can suggest investment is riskier.	0.12

NBT Bancorp Inc Valuation Ratios

These ratios help you understand the company's valuation. Lower may indicate cheaper stocks.

	NBTB
Trailing PE	13.68
Forward PE	13.40
P/S (TTM)	3.52
P/B	1.26
Price/FCF	32
EV/R	3.89
EV/Ebitda	NM
PEG	3.82

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FAQs

What is NBT Bancorp Inc share price today?

NBT Bancorp Inc (NBTB) share price today is $45.82

Can Indians buy NBT Bancorp Inc shares?

Yes, Indians can buy shares of NBT Bancorp Inc (NBTB) on Vested. To buy

from India, you can open a US Brokerage account on Vested today by clicking on Sign Up or Invest in NBTB stock at the top of this page. The account opening process is completely digital and secure, and takes a few minutes to complete.

Can Fractional shares of NBT Bancorp Inc be purchased?

Yes, you can purchase fractional shares of NBT Bancorp Inc (NBTB) via the Vested app. You can start investing in NBT Bancorp Inc (NBTB) with a minimum investment of $1.

How to invest in NBT Bancorp Inc shares from India?

You can invest in shares of NBT Bancorp Inc (NBTB) via Vested in three simple steps:

Click on Sign Up or Invest in NBTB stock at the top of this page
Breeze through our fully digital and secure KYC process and open your US Brokerage account in a few minutes
Transfer USD funds to your US Brokerage account and start investing in NBT Bancorp Inc shares

What is NBT Bancorp Inc 52-week high and low stock price?

The 52-week high price of NBT Bancorp Inc (NBTB) is $47.1. The 52-week low price of NBT Bancorp Inc (NBTB) is $36.37.

What is NBT Bancorp Inc price-to-earnings (P/E) ratio?

The price-to-earnings (P/E) ratio of NBT Bancorp Inc (NBTB) is 13.6817

What is NBT Bancorp Inc price-to-book (P/B) ratio?

The price-to-book (P/B) ratio of NBT Bancorp Inc (NBTB) is 1.26

What is NBT Bancorp Inc dividend yield?

The dividend yield of NBT Bancorp Inc (NBTB) is 3.12%

What is the Market Cap of NBT Bancorp Inc?

The market capitalization of NBT Bancorp Inc (NBTB) is $2.38B

What is NBT Bancorp Inc's stock symbol?

The stock symbol (or ticker) of NBT Bancorp Inc is NBTB

How Can Investors Use NBT Bancorp Inc Share Price Data for Long-Term Investment Decisions?

Consider the share price of NBT Bancorp Inc as a long-term story and not a daily point list. The price represents a movement of the stock in both good and bad times when looked at over many years. This assists the investors to know whether NBT Bancorp Inc has succeeded to expand steadily and overcome market declines. With this price movement observed and the way the business is progressing, it is easier to make a decision whether the stock is worth having in the long term or not.

How does USD - INR currency movement impact returns from NBT Bancorp Inc shares for Indian investors?

When investing in NBT Bancorp Inc shares, you are not based in India then your investment is not just based on the stock price. It is also determined by the currency movement of the dollar in relation to the rupee. When you have an appreciation of the NBT Bancorp Inc stock and the dollar appreciation is also the same, you gain more in terms of rupees. When the rupee appreciated, it will lower your profits. This currency flow is a silent cause of great contribution to your ultimate returns over many years.

How should investors compare NBT Bancorp Inc share price with other stocks in the same sector?

Rather than merely checking the share price of NBT Bancorp Inc and comparing it with that of other stocks in the same sector, one can check how robust the business is. Investors tend to compare such aspects as profits, cash generation, and the stability of the revenues of the company. This means that NBT Bancorp Inc stock in most cases does not react in the same manner as other companies in the sector due to its brand and services revenue.

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