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About the company
NBT Bancorp Inc. is a financial holding company. The Company primarily operates through NBT Bank, N.A. (the Bank), a full-service community bank, and through two financial services subsidiaries. The Company’s business, primarily conducted through the Bank, consists of providing commercial banking, retail banking and wealth management services. The Bank offers a range of products and services tailored to individuals, businesses and municipalities. The Bank’s deposit products include demand deposit accounts, savings accounts, NOW accounts, MMDA and CD accounts. The Bank’s loan products include indirect and direct consumer loans, home equity loans and mortgages. The Bank has approximately 175 banking locations in New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Maine and Connecticut. The Company operates EPIC Retirement Plan Services, which is a national benefits administration firm. It operates NBT Insurance Agency, LLC, which is a full-service regional insurance agency.
- Revenue in USD (TTM)619.14m
- Net income in USD143.56m
- Incorporated1986
- Employees2.08k
- LocationNBT Bancorp Inc52 S BROAD STNORWICH 13815United StatesUSA
- Phone+1 (607) 337-2265
- Fax+1 (302) 636-5454
- Websitehttp://www.nbtbancorp.com/
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Mergers & acquisitions
| Acquired company | NBTB:NSQ since announced | Transaction value |
|---|---|---|
| Evans Bancorp Inc | -5.49% | 236.24m |
Data delayed at least 15 minutes, as of Jul 11 2025 21:00 BST.
Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| City Holding Co | 310.25m | 116.88m | 1.81bn | 941.00 | 15.62 | 2.42 | 14.81 | 6.11 | 7.99 | 7.99 | 20.18 | 51.63 | -- | -- | -- | -- | 1.82 | 1.73 | -- | -- | -- | -- | 39.87 | 39.38 | -- | -- | -- | 38.61 | 12.96 | 9.16 | 2.39 | 5.56 | -10.56 | 6.47 |
| First Bancorp (North Carolina) | 525.33m | 86.94m | 1.94bn | 1.35k | 22.28 | 1.28 | 18.55 | 5.33 | 2.10 | 2.10 | 8.79 | 36.46 | -- | -- | -- | -- | 0.7122 | 1.02 | -- | -- | -- | -- | 24.01 | 28.55 | -- | -- | -- | 29.66 | 6.24 | 15.73 | -26.70 | -3.69 | -5.54 | 13.85 |
| Hilltop Holdings Inc. | 819.57m | 127.66m | 1.97bn | 3.62k | 15.60 | 0.8957 | 12.14 | 1.61 | 1.97 | 1.97 | 18.83 | 34.29 | -- | -- | -- | -- | 0.8633 | 1.40 | -- | -- | -- | -- | 11.31 | 15.45 | -- | -- | -- | 17.89 | -0.2369 | 6.49 | 3.25 | -11.73 | -29.95 | 15.90 |
| Customers Bancorp Inc | 1.31bn | 130.03m | 2.00bn | 787.00 | 15.95 | 1.16 | 11.73 | 2.97 | 3.98 | 3.98 | 20.72 | 59.23 | -- | -- | -- | -- | 0.661 | 1.19 | -- | -- | -- | -- | 21.39 | 34.44 | -- | -- | -- | 0.00 | -2.89 | 23.42 | -29.31 | 19.98 | 5.42 | -- |
| OFG Bancorp | 756.07m | 194.05m | 2.01bn | 2.22k | 10.69 | 1.55 | 9.10 | 2.80 | 4.18 | 4.18 | 15.41 | 28.83 | -- | -- | -- | -- | 1.70 | 1.50 | -- | -- | -- | -- | 27.11 | 24.83 | -- | -- | -- | 20.72 | 15.63 | 14.95 | 8.96 | 33.16 | 26.33 | 28.21 |
| First Busey Corp | 564.76m | 57.48m | 2.14bn | 1.97k | 22.34 | 0.9894 | 27.25 | 4.50 | 1.07 | 1.07 | 7.87 | 24.22 | -- | -- | -- | -- | 0.3667 | 0.999 | -- | -- | -- | -- | 12.06 | 27.25 | -- | -- | -- | 43.66 | 8.98 | 8.01 | -7.24 | 2.00 | -13.45 | 2.68 |
| Banc of California Inc | 1.74bn | 109.82m | 2.21bn | 1.90k | 23.08 | 0.8231 | 11.31 | 2.20 | 0.6486 | 0.6486 | 5.95 | 21.19 | -- | -- | -- | -- | 0.4283 | -1.84 | -- | -- | -- | -- | 14.87 | -73.34 | -- | -- | -- | -- | -8.03 | 35.90 | 104.49 | 101.47 | 3.37 | 5.23 |
| NBT Bancorp Inc | 619.14m | 143.56m | 2.29bn | 2.08k | 14.49 | 1.32 | 13.67 | 3.87 | 3.02 | 3.02 | 12.42 | 33.13 | -- | -- | -- | -- | 1.05 | 1.12 | -- | -- | -- | -- | 24.29 | 26.24 | -- | -- | -- | 39.19 | 17.00 | 10.72 | 18.40 | 3.05 | 12.05 | 4.68 |
| Banner Corp | 775.28m | 176.47m | 2.37bn | 1.96k | 13.50 | 1.29 | 12.08 | 3.80 | 5.09 | 5.09 | 18.00 | 53.16 | -- | -- | -- | -- | 1.11 | 1.11 | -- | -- | -- | -- | 28.27 | 28.54 | -- | -- | -- | 34.27 | 9.20 | 7.82 | -8.02 | 2.92 | -11.06 | -1.01 |
| First Merchants Corp | 934.62m | 206.93m | 2.39bn | 2.12k | 11.54 | 1.03 | 10.02 | 3.66 | 3.55 | 3.55 | 11.21 | 40.34 | -- | -- | -- | -- | 1.14 | 1.23 | -- | -- | -- | -- | 31.96 | 34.05 | -- | -- | -- | 35.39 | 6.05 | 15.29 | -10.09 | 3.94 | -- | 6.81 |
| First Financial Bancorp | 1.00bn | 229.43m | 2.44bn | 2.02k | 10.59 | 0.974 | 9.38 | 2.90 | 2.40 | 2.40 | 8.80 | 26.13 | -- | -- | -- | -- | 1.27 | 1.28 | -- | -- | -- | -- | 27.29 | 29.10 | -- | -- | -- | 41.56 | 10.97 | 10.53 | -10.57 | 2.93 | 0.1344 | 0.8735 |
| WaFd Inc | 1.45bn | 214.60m | 2.47bn | 2.21k | 11.67 | 0.9103 | 14.74 | 3.36 | 2.64 | 2.64 | 9.03 | 37.55 | -- | -- | -- | -- | 0.7934 | 1.01 | -- | -- | -- | -- | 31.23 | 32.36 | -- | -- | -- | 33.30 | 31.52 | 15.36 | -23.63 | -2.48 | -7.03 | 5.45 |
| Simmons First National Corp | 1.30bn | 146.21m | 2.51bn | 2.95k | 17.22 | 0.711 | 13.11 | 3.18 | 1.16 | 1.16 | 6.26 | 28.04 | -- | -- | -- | -- | 0.5399 | 0.8814 | -- | -- | -- | -- | 18.50 | 26.87 | -- | -- | -- | 40.89 | 8.42 | 10.87 | -12.78 | -8.48 | -7.67 | 5.67 |
| Seacoast Banking Corporation of Florida | 734.11m | 126.44m | 2.52bn | 1.52k | 19.73 | 1.12 | 15.13 | 4.75 | 1.48 | 1.48 | 6.23 | 26.04 | -- | -- | -- | -- | 0.8275 | 0.9549 | -- | -- | -- | -- | 23.83 | 24.41 | -- | -- | -- | 34.85 | 5.31 | 20.15 | 16.30 | 4.15 | 9.84 | -- |
| FB Financial Corp | 729.12m | 127.45m | 2.60bn | 1.49k | 17.75 | 1.40 | 18.28 | 5.43 | 2.72 | 2.72 | 10.21 | 34.44 | -- | -- | -- | -- | 0.9925 | 1.04 | -- | -- | -- | -- | 26.62 | 23.62 | -- | -- | -- | 19.67 | 6.95 | 20.76 | -3.48 | 6.84 | -0.7935 | 16.27 |
| TowneBank | 777.22m | 177.66m | 2.67bn | 2.72k | 15.00 | 1.21 | 17.33 | 3.71 | 2.36 | 2.36 | 9.54 | 29.19 | -- | -- | -- | -- | 1.04 | 1.15 | -- | -- | -- | -- | 24.84 | 26.40 | -- | -- | -- | 37.24 | 9.82 | 10.61 | 5.23 | 3.11 | 9.30 | 1.98 |
Data as of Jul 11 2025. Currency figures normalised to NBT Bancorp Inc's reporting currency: US Dollar USD
45.51%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| BlackRock Fund Advisorsas of 31 Mar 2025 | 6.46m | 13.70% |
| The Vanguard Group, Inc.as of 31 Mar 2025 | 5.66m | 12.00% |
| SSgA Funds Management, Inc.as of 31 Mar 2025 | 2.37m | 5.03% |
| Dimensional Fund Advisors LPas of 31 Mar 2025 | 2.23m | 4.72% |
| Geode Capital Management LLCas of 31 Mar 2025 | 1.23m | 2.60% |
| Silvercrest Asset Management Group LLCas of 31 Mar 2025 | 794.52k | 1.68% |
| DePrince, Race & Zollo, Inc.as of 31 Mar 2025 | 759.29k | 1.61% |
| Victory Capital Management, Inc. (Investment Management)as of 31 Mar 2025 | 697.88k | 1.48% |
| Northern Trust Investments, Inc.(Investment Management)as of 31 Mar 2025 | 684.80k | 1.45% |
| Charles Schwab Investment Management, Inc.as of 31 Mar 2025 | 583.04k | 1.24% |
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Data from 31 Mar 2025 - 31 Mar 2025Source: FactSet Research Systems Inc.
