Nbt Bancorp Inc (NBTB)
Operating cash flow minus capital spending left $218.9M of free cash flow in fiscal 2025. At September 30, 2026 it held $322.2M in cash. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on November 6, 2026.
Key facts about Nbt Bancorp Inc
- Net worth
- Nbt Bancorp Inc has a market value (market cap) of $2.8B at the latest share price, and shareholders' equity of $1.9B on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Revenue and profit
- In fiscal 2025 revenue was $183M (+10.4% year on year), with net income of $169.2M.
- Cash flow
- In fiscal 2025 operations brought in $235.2M of cash; after $16.3M of capital spending, free cash flow was $218.9M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on November 6, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- Nbt Bancorp Inc's next report is expected around January 25, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- Nbt Bancorp Inc declared dividends of $1.42 per share in fiscal 2025, a yield of 2.66% at the current price.
What Nbt Bancorp Inc does
Nbt Bancorp Inc is registered with the SEC under industry code SIC 6021 (National Commercial Banks). Its shares trade on NASDAQ under the ticker NBTB.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | $183M | $169.2M | $3.33 | $218.9M |
| 2024 | $165.7M | $140.6M | $2.97 | $176.8M |
| 2023 | $144.7M | $118.8M | $2.65 | $148.2M |
| 2022 | $150.7M | $152M | $3.52 | $176.2M |
| 2021 | $151M | $154.9M | $3.54 | $151.4M |
| 2020 | $140.9M | $104.4M | $2.37 | $137.1M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Where NBTB ranks in Finance
Dividends
Nbt Bancorp Inc declared $1.42 per share in fiscal 2025. At the current price that is a yield of 2.66%. It paid out $72.6M in cash dividends, 43% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $1.42 | $72.6M | 43% |
| 2024 | $1.32 | $62.3M | 44% |
| 2023 | $1.24 | $55.9M | 47% |
| 2022 | $1.16 | $49.8M | 33% |
| 2021 | $1.10 | $47.7M | 31% |
| 2020 | $1.08 | $47.2M | 45% |
Latest SEC filings
What Nbt Bancorp Inc has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 6, 2026
- November 5, 2026Passive stake (5% or more) SCHEDULE 13G
- November 3, 2026
- October 27, 2026
- September 21, 2026Executive or director change8-KNBT Bancorp expanded its Board of Directors to thirteen members and appointed Kimberly A. Boynton as an independent director, effective October 1, 2026.
- September 8, 2026
- August 7, 2026
- August 7, 2026Passive stake (5% or more) SCHEDULE 13G
- July 27, 2026
- June 24, 2026
What is NBTB worth? A DCF from its reported cash flow
Insider trades
What the people running Nbt Bancorp Inc did with its shares, from the Form 4 filings they must send the SEC within two business days.
No insider trades were reported in the last 90 days.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| July 29, 2026 | Halliday Sarah AEVP/Chief Comm Innovation Off | Sold | 9,000 | $486.4K |
| July 29, 2026 | Mahoney Ruth HEVP/President of Wealth Mgmt | Sold | 4,500 | $244.4K |
| June 12, 2026 | Hoeller Heidi MDirector | Sold | 2,100 | $100.9K |
| June 12, 2026 | Sparks Martin RandolphEVP,General Counsel,Secretary | Sold | 1,200 | $57.7K |
| June 9, 2026 | Watt John H JrDirector | Sold | 21,000 | $995.8K |
| June 5, 2026 | Mahoney Ruth HEVP/President of Wealth Mgmt | Sold | 5,000 | $233K |
| May 19, 2026 | Nasca David JDirector | Received as pay | 1,050 | - |
| May 19, 2026 | Robinson V Daniel IIDirector | Received as pay | 1,050 | - |
Who owns NBTB
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Vanguard Portfolio Management13G, passive | 6.7% | April 29, 2026 |
| Fmr LLC13G, passive with 1 related filers | 6.1% | November 5, 2026 |
| Vanguard Capital Management13G, passive | 5.06% | April 30, 2026 |
Largest institutional holders
Insiders
20 insiders reported holding 756,842 shares in total, about $40.4M at the last price.
| Holder | Shares |
|---|---|
| Dietrich Martin ADirector | 112,294 |
| Stagliano Joseph RSEVP & President of NBT Bank | 85,446 |
| Delaney Timothy EDirector | 75,66522,730 held indirectly |
| Nasca David JDirector | 71,705 |
| Cantele Richard J JrDirector | 58,106 |
| Kingsley Scott AllenPresident & CEO NBT Bancorp | 57,936 |
| Watt John H JrDirector | 54,010 |
| Hyle ShaunastarEVP, Retail Community Banking | 29,298 |
| Salanger Matthew JDirector | 28,116 |
| Wiles AmyEVP, Chief Risk and Credit | 27,161 |
Questions about NBTB
What does Nbt Bancorp Inc do?
Nbt Bancorp Inc is a company in the Finance sector, listed on NASDAQ as NBTB. Its shares trade on NASDAQ under the ticker NBTB.
What is Nbt Bancorp Inc's net worth?
Nbt Bancorp Inc has a market value (market cap) of $2.8B at the latest share price, and shareholders' equity of $1.9B on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Nbt Bancorp Inc profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $217.7M.
When did Nbt Bancorp Inc last report?
Its most recent periodic report is the quarterly report (10-Q) filed on November 6, 2026. It covers the period to September 30, 2026.
When is Nbt Bancorp Inc's next earnings report?
Nbt Bancorp Inc's next report is expected around January 25, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does Nbt Bancorp Inc pay a dividend?
Yes. Nbt Bancorp Inc declared dividends of $1.42 per share in fiscal 2025, a yield of 2.66% at the current price.
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Where the numbers come from
Financial figures are the values Nbt Bancorp Inc tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.