NBTB
NBT Bancorp Inc.
NasdaqGSUSDEQUITY
Financial Services
DELAYED
Buy
+22/100
Last price
50.67
▼ 0.28 (0.55%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
51.17
Prev close
50.95
Day high
51.36
Day low
50.34
Volume
270.07K
Market cap
$2.63B
P/E (TTM)
12.45
52W range
39.20 – 54.50
Day trading desk
Gap from prior close
+0.43%
Prior close 50.95
VWAP
50.68
-0.01% from price
Relative volume
1.21×
Normal
Session range
2.03%
50.34 – 51.36
Position in range
32%
Mid range
ATR (14D)
0.87
1.72% of price
Prior day high
51.52
PDH
Prior day low
50.73
PDL
Bid / ask spread
—
Quote not published
Session volume
424.12K
Avg 349.30K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
+0.90%
-1.1%
1M
-3.06%
-4.2%
3M
+3.30%
-1.2%
6M
+15.19%
-3.0%
YTD
+22.04%
+7.8%
1Y
+22.18%
+5.8%
3Y
+59.89%
-22.4%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on NBTB open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
-31.25K
Net selling
Buy transactions
11
11.55K shares
Sell transactions
6
42.80K shares
Net transactions
+17
Buys less sells
Sell : buy shares
3.7 : 1
Mixed
Insider-held shares
1.47M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Jul 29, 26 | HALLIDAY SARAH A. Officer |
SELL | 9.00K | $486.40K | Direct |
| Jul 29, 26 | MAHONEY RUTH H. Officer |
SELL | 4.50K | $244.35K | Direct |
| Jun 12, 26 | HOELLER HEIDI M. Director |
SELL | 2.10K | $100.87K | Direct |
| Jun 12, 26 | SPARKS MARTIN RANDOLPH General Counsel |
SELL | 1.20K | $57.65K | Direct |
| Jun 9, 26 | WATT JOHN H JR Director |
SELL | 21.00K | $995.75K | Direct |
| Jun 5, 26 | MAHONEY RUTH H. Officer |
SELL | 5.00K | $233.00K | Direct |
| May 19, 26 | WATT JOHN H JR Director |
STOCK | 1.05K | $0 | Direct |
| May 19, 26 | SALANGER MATTHEW J. Director |
STOCK | 1.05K | $0 | Direct |
| May 19, 26 | KOWALCZYK ANDREW S. III Director |
STOCK | 1.05K | $0 | Direct |
| May 19, 26 | AMES JOHANNA R Director |
STOCK | 1.05K | $0 | Direct |
| May 19, 26 | BROWN JASON DAVID Director |
STOCK | 1.05K | $0 | Direct |
| May 19, 26 | HOELLER HEIDI M. Director |
STOCK | 1.05K | $0 | Direct |
| May 19, 26 | ROBINSON VAN NESS DANIEL II Director |
STOCK | 1.05K | $0 | Direct |
| May 19, 26 | CANTELE RICHARD J JR Director |
STOCK | 1.05K | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
AMES JOHANNA R |
Director | 211.78K | Stock Award(Grant) |
CANTELE RICHARD J JR |
Director | 61.32K | Stock Award(Grant) |
DELANEY TIMOTHY E |
Director | 75.67K | Stock Award(Grant) |
DIETRICH MARTIN A |
Director | 112.29K | Stock Award(Grant) |
KINGSLEY SCOTT ALLEN |
Chief Executive Officer | 57.94K | Stock Award(Grant) |
NASCA DAVID J |
Director | 73.84K | Stock Award(Grant) |
ROBINSON VAN NESS DANIEL II |
Director | 409.31K | Stock Award(Grant) |
STAGLIANO JOSEPH R |
Officer | 94.72K | Stock Award(Grant) |
WATT JOHN H JR |
Director | 54.01K | Sale |
WEBB JACK H |
Director | 45.23K | Sale |
Fundamentals
Market cap$2.63B
Enterprise value$2.81B
Revenue (TTM)$723.81M
Gross profit$723.81M
EBITDA—
Net income$214.15M
EPS (TTM)$4.07
Free cash flow—
Total cash$366.82M
Total debt$543.25M
Book value / share$37.42
Shares outstanding51.96M
Float50.95M
Short % of float6.29%
Dividend yield3.14%
Beta (5Y)0.50
Valuation & profitability ratios
Trailing P/E12.45
Forward P/E11.10
PEG ratio2.66
Price / sales—
Price / book1.35
EV / revenue3.88
EV / EBITDA—
Gross margin0.00%
Operating margin41.45%
Profit margin29.59%
Return on equity11.42%
Return on assets1.33%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $694.39M | $574.44M | $517.78M | $515.12M | +20.9% |
| Operating revenue | $694.39M | $574.44M | $517.78M | $515.12M | +20.9% |
| Selling, general & admin | $269.38M | $242.64M | $203.56M | $193.85M | +11.0% |
| Pre-tax income | $219.44M | $179.46M | $153.46M | $196.16M | +22.3% |
| Tax provision | $50.21M | $38.82M | $34.68M | $44.16M | +29.3% |
| Net income | $169.24M | $140.64M | $118.78M | $152.00M | +20.3% |
| Net income to common | $169.24M | $140.64M | $118.78M | $152.00M | +20.3% |
| Basic EPS | 3.34 | 2.98 | 2.67 | 3.54 | +12.1% |
| Diluted EPS | 3.33 | 2.97 | 2.65 | 3.52 | +12.1% |
| Basic shares | 50.67M | 47.19M | 44.49M | 42.94M | +7.4% |
| Diluted shares | 50.88M | 47.43M | 44.77M | 43.18M | +7.3% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $487.12M | $284.06M | $205.19M | $197.35M | +71.5% |
| Property, plant & equipment | $99.28M | $80.84M | $80.67M | $69.05M | +22.8% |
| Goodwill & intangibles | $510.93M | $399.02M | $402.29M | $288.55M | +28.0% |
| Total assets | $16.00B | $13.79B | $13.31B | $11.74B | +16.0% |
| Current debt | $0 | $16.00M | $293.00M | $499.00M | -100.0% |
| Long-term debt | $179.35M | $252.04M | $250.74M | $202.94M | -28.8% |
| Total debt | $179.35M | $268.04M | $543.74M | $701.94M | -33.1% |
| Total liabilities | $14.10B | $12.26B | $11.88B | $10.57B | +15.0% |
| Retained earnings | $1.20B | $1.10B | $1.02B | $958.43M | +8.8% |
| Shareholder equity | $1.90B | $1.53B | $1.43B | $1.17B | +24.2% |
| Net tangible assets | $1.39B | $1.13B | $1.02B | $885.01M | +22.9% |
| Shares issued | 59.08M | 53.97M | 53.97M | 49.65M | +9.5% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $169.24M | $140.64M | $118.78M | $152.00M | +20.3% |
| Depreciation & amortisation | $33.53M | $27.50M | $22.27M | $19.06M | +22.0% |
| Stock-based compensation | $5.28M | $5.99M | $5.10M | $4.53M | -11.9% |
| Change in working capital | -$24.59M | $748.00K | -$27.91M | $11.93M | -3,387.0% |
| Operating cash flow | $235.22M | $188.57M | $157.46M | $183.22M | +24.7% |
| Capital expenditure | -$16.30M | -$11.74M | -$9.25M | -$7.01M | -38.8% |
| Investing cash flow | $169.07M | -$399.16M | -$44.23M | -$926.22M | +142.4% |
| Share buybacks | -$10.19M | -$251.00K | -$4.94M | -$14.71M | -3,957.8% |
| Dividends paid | -$72.59M | -$62.26M | -$55.89M | -$49.77M | -16.6% |
| Financing cash flow | -$201.23M | $289.46M | -$105.39M | -$328.73M | -169.5% |
| Free cash flow | $218.92M | $176.82M | $148.20M | $176.21M | +23.8% |
| End cash position | $487.12M | $284.06M | $205.19M | $197.35M | +71.5% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $186.15M | $183.87M | $184.36M | $185.35M | $170.66M | +1.2% |
| Operating revenue | $186.15M | $183.87M | $184.36M | $185.35M | $170.66M | +1.2% |
| Selling, general & admin | $71.92M | $71.69M | $69.17M | $69.73M | $66.95M | +0.3% |
| Pre-tax income | $69.12M | $66.67M | $69.69M | $71.83M | $30.71M | +3.7% |
| Tax provision | $16.09M | $15.53M | $14.18M | $17.35M | $8.20M | +3.6% |
| Net income | $53.03M | $51.14M | $55.51M | $54.47M | $22.51M | +3.7% |
| Net income to common | $53.03M | $51.14M | $55.51M | $54.47M | $22.51M | +3.7% |
| Basic EPS | 1.02 | 0.98 | 1.06 | 1.04 | 0.45 | +4.1% |
| Diluted EPS | 1.02 | 0.98 | 1.06 | 1.03 | 0.44 | +4.1% |
| Basic shares | 51.99M | 52.19M | 52.37M | 52.38M | 50.02M | -0.4% |
| Diluted shares | 52.24M | 52.35M | 52.52M | 52.64M | 50.79M | -0.2% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Cash & equivalents | $294.65M | $716.07M | $487.12M | $640.24M | $541.56M | — | -58.9% |
| Property, plant & equipment | $98.12M | $100.25M | $99.28M | $98.67M | $95.79M | — | -2.1% |
| Goodwill & intangibles | $504.39M | $507.59M | $510.93M | $515.09M | $518.52M | — | -0.6% |
| Total assets | $16.21B | $16.20B | $16.00B | $16.11B | $16.01B | — | +0.1% |
| Current debt | $157.00M | — | $0 | $0 | $0 | $0 | — |
| Long-term debt | $154.76M | $179.60M | $179.35M | $180.63M | $298.41M | — | -13.8% |
| Total debt | $311.76M | $179.60M | $179.35M | $180.63M | $298.41M | — | +73.6% |
| Total liabilities | $14.27B | $14.29B | $14.10B | $14.26B | $14.21B | — | -0.1% |
| Retained earnings | $1.26B | $1.23B | $1.20B | $1.16B | $1.13B | — | +2.8% |
| Shareholder equity | $1.94B | $1.91B | $1.90B | $1.85B | $1.81B | — | +1.5% |
| Net tangible assets | $1.44B | $1.41B | $1.39B | $1.34B | $1.29B | — | +2.3% |
| Shares issued | 51.95M | 59.08M | 59.08M | 59.08M | 59.08M | — | -12.1% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $53.03M | $51.14M | $55.51M | $54.47M | $22.51M | +3.7% |
| Depreciation & amortisation | $8.99M | $9.07M | $9.04M | $9.06M | $8.41M | -0.9% |
| Stock-based compensation | $871.00K | $3.37M | $647.00K | $1.59M | $873.00K | -74.1% |
| Change in working capital | -$4.65M | -$13.87M | -$25.38M | $15.75M | -$11.07M | +66.5% |
| Operating cash flow | $61.89M | $53.04M | $66.15M | $80.59M | $46.48M | +16.7% |
| Capital expenditure | -$1.36M | -$4.42M | -$4.03M | -$6.24M | -$2.33M | +69.3% |
| Investing cash flow | -$428.83M | -$5.69M | -$35.84M | -$13.82M | $331.90M | -7,437.8% |
| Share buybacks | -$3.02M | -$11.01M | -$10.19M | $0 | $0 | +72.6% |
| Dividends paid | -$19.22M | -$19.24M | -$19.32M | -$19.40M | -$17.81M | +0.1% |
| Financing cash flow | -$54.48M | $181.60M | -$183.43M | $31.91M | -$90.89M | -130.0% |
| Free cash flow | $60.53M | $48.62M | $62.12M | $74.35M | $44.15M | +24.5% |
| End cash position | $294.65M | $716.07M | $487.12M | $640.24M | $541.56M | -58.9% |
Options analytics
Put / call volume
0.00
Call-heavy session
Put / call open interest
0.00
Positioning, not flow
Max pain
50.00
-1.3% from spot
ATM implied vol
66.2%
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
25
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
50.00
135 contracts
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 1.02 | 1.01 | -1.3% |
| Mar 2026 | 0.98 | 0.97 | -0.7% |
| Dec 2025 | 0.99 | 1.05 | +6.6% |
| Sep 2025 | 0.97 | 1.05 | +8.4% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 1.09 | 7 | $193.83M | +4.2% |
| Next quarter | 1.10 | 7 | $194.41M | +5.0% |
| Current year | 4.18 | 6 | $759.67M | +9.0% |
| Next year | 4.57 | 7 | $801.68M | +5.5% |
Analyst targets & ownership
Mean target$56.83
High target$62.00
Low target$54.00
Implied upside12.16%
Analyst count6
ConsensusHOLD
Strong buy / Buy1 / 1
Hold5
Sell / Strong sell0 / 0
Held by insiders2.83%
Held by institutions69.47%
Institutions holding394
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
50.83
-0.31% from price
SMA 20
51.18
-1.00% from price
SMA 50
51.93
-2.43% from price
SMA 100
50.13
+1.08% from price
SMA 200
46.91
+8.02% from price
EMA 12
50.95
-0.56% from price
EMA 26
51.21
-1.05% from price
EMA 50
51.14
-0.92% from price
RSI (14)
45.2
Neutral
MACD (12,26,9)
-0.25
Hist -0.00
ATR (14)
0.87
1.72% of price
Realised vol 30D
15.8%
Annualised
Bollinger upper
52.30
20, 2σ
Bollinger lower
50.07
20, 2σ
50 / 200 cross
Golden
51.93 vs 46.91
Trend bias
Above 200
+8.02%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.46
Less volatile than market
Correlation to SPY
0.25
Largely independent
Realised vol 30D
15.8%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-12.9%
Peak to trough
Max drawdown 5Y
-38.7%
Peak to trough
ATR 14
0.87
1.72% of price
Beta (reported)
0.50
5Y monthly, from filing
Short interest
Shares short
2.39M
Prior 2.06M
Change vs prior
+15.9%
Shorts adding
% of float
6.29%
Normal
% of shares out
4.61%
Against total outstanding
Days to cover
9.0
Crowded exit
Float
50.95M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Aug 3, 26 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Jul 30, 26 | Stephens & Co. | DOWNGRADE | Overweight | Equal-Weight |
| Jul 29, 26 | DA Davidson | MAINTAINED | Buy | Buy |
| Jun 26, 26 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Apr 27, 26 | DA Davidson | MAINTAINED | Buy | Buy |
| Feb 25, 26 | DA Davidson | INITIATED | — | Buy |
| Jul 31, 25 | DA Davidson | MAINTAINED | Buy | Buy |
| Apr 28, 25 | DA Davidson | MAINTAINED | Buy | Buy |
| Dec 12, 24 | DA Davidson | INITIATED | — | Neutral |
| Dec 4, 24 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Sep 10, 24 | Stephens & Co. | MAINTAINED | Equal-Weight | Equal-Weight |
| Jul 23, 24 | Stephens & Co. | MAINTAINED | Overweight | Overweight |
Dividends & splits
Forward rate$1.60 / yr
Forward yield3.14%
5-year avg yield3.09%
Payout ratio36.19%
Ex-dividend dateSep 1, 2026
Next pay dateSep 15, 2026
Last split105:100
Split dateNov 29, 1999
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-09-21
Corporate Changes & Voting Matters
8-K · 2026-09-08
Periodic Financial Reports
10-Q · 2026-08-07
Corporate Changes & Voting Matters
8-K · 2026-07-27
Annual report of employee stock purchase
11-K · 2026-06-24
Corporate Changes & Voting Matters
8-K · 2026-05-19
Corporate Changes & Voting Matters
8-K · 2026-05-18
Periodic Financial Reports
10-Q · 2026-05-08
Headlines
NBT Bancorp Inc. Announces Date of Third Quarter Conference Call
GlobeNewswire · 6d ago
Q2 Earnings Highlights: NBT Bancorp (NASDAQ:NBTB) Vs The Rest Of The Regional Banks Stocks
StockStory · 7d ago
Kimberly A. Boynton Named to NBT Board of Directors
GlobeNewswire · 15d ago
Angela M.W. Kelley to join Associated Bank as General Counsel
PR Newswire · 35d ago
3 Reasons to Sell NBTB and 1 Stock to Buy Instead
StockStory · 40d ago
3 Hyped Up Stocks We Keep Off Our Radar
StockStory · 47d ago
Executive Sells 9,000 Shares of Regional Bank, Valued at $486,400
Motley Fool · 61d ago
NBT Bancorp’s Q2 Earnings Call: Our Top 5 Analyst Questions
StockStory · 64d ago
PRIVATE STRATEGY · BY QUALIFICATION
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