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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)710.99m
- Net income in USD169.24m
- 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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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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| OFG Bancorp | 773.88m | 199.56m | 1.82bn | 2.22k | 9.56 | 1.35 | 8.08 | 2.49 | 4.40 | 4.40 | 16.09 | 31.07 | -- | -- | -- | -- | 1.68 | 1.50 | -- | -- | -- | -- | 27.34 | 24.83 | -- | -- | -- | 20.72 | 15.63 | 14.95 | 8.96 | 33.16 | 26.33 | 28.99 |
| National Bank Holdings Corp | -100.00bn | -100.00bn | 1.84bn | 1.26k | -- | 1.11 | -- | -- | -- | -- | -- | 36.67 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| First Commonwealth Financial Corp | 632.69m | 152.30m | 1.88bn | 1.55k | 12.42 | 1.21 | 16.72 | 3.59 | 1.47 | 1.47 | 5.05 | 15.11 | -- | -- | -- | -- | 1.27 | 1.35 | -- | -- | -- | -- | 29.13 | 31.51 | -- | -- | -- | 36.05 | 5.37 | 16.00 | 6.82 | 15.70 | -- | 4.18 |
| Northwest Bancshares Inc | 717.57m | 112.94m | 1.89bn | 1.88k | 14.70 | 1.02 | 15.01 | 3.00 | 0.8796 | 0.8796 | 4.79 | 12.70 | -- | -- | -- | -- | 0.7356 | 0.8631 | -- | -- | -- | -- | 17.97 | 22.47 | -- | -- | -- | 83.48 | 13.82 | 9.90 | -25.60 | -1.94 | -26.69 | 2.13 |
| Columbia Financial Inc | 470.95m | 51.77m | 1.89bn | 708.00 | 35.77 | 1.63 | 42.93 | 7.31 | 0.5085 | 0.5085 | 2.54 | 11.16 | -- | -- | -- | -- | 0.4817 | 0.5022 | -- | -- | -- | -- | 20.01 | 20.50 | -- | -- | -- | -- | 4.33 | 9.75 | 544.23 | -2.11 | -- | -- |
| Merchants Bancorp | 1.20bn | 173.55m | 2.17bn | 663.00 | 12.51 | 1.25 | 18.52 | 3.18 | 3.78 | 3.78 | 14.83 | 49.70 | -- | -- | -- | -- | 1.14 | 1.71 | -- | -- | -- | -- | 32.10 | 45.27 | -- | -- | -- | 6.45 | -7.82 | 33.54 | -38.82 | 0.8865 | -- | 13.40 |
| Banner Corp | 804.96m | 195.38m | 2.18bn | 1.96k | 11.32 | 1.12 | 13.79 | 3.30 | 5.64 | 5.64 | 19.07 | 57.08 | -- | -- | -- | -- | 1.20 | 1.18 | -- | -- | -- | -- | 29.57 | 30.35 | -- | -- | -- | 33.64 | 5.07 | 9.17 | 15.68 | 11.00 | -- | 3.63 |
| Hilltop Holdings Inc. | 784.05m | 165.59m | 2.30bn | 3.62k | 14.60 | 1.06 | 16.20 | 1.79 | 2.64 | 2.64 | 20.43 | 36.42 | -- | -- | -- | -- | 1.07 | 1.09 | -- | -- | -- | -- | 13.42 | 13.53 | -- | -- | -- | 24.08 | -6.26 | 7.49 | 46.27 | -16.56 | -- | 13.67 |
| First Busey Corp | 893.86m | 125.39m | 2.32bn | 1.92k | 20.52 | 0.9384 | 25.35 | 3.22 | 1.29 | 1.29 | 8.50 | 28.18 | -- | -- | -- | -- | 0.8972 | 0.9762 | -- | -- | -- | -- | 18.80 | 25.16 | -- | -- | -- | 48.77 | 70.69 | 22.31 | 10.29 | 4.56 | -- | 2.56 |
| NBT Bancorp Inc | 710.99m | 169.24m | 2.38bn | 2.08k | 13.77 | 1.26 | 18.07 | 3.42 | 3.31 | 3.31 | 13.71 | 36.25 | -- | -- | -- | -- | 1.14 | 1.14 | -- | -- | -- | -- | 24.28 | 26.35 | -- | -- | -- | 39.73 | 16.24 | 15.34 | 20.33 | 10.15 | -- | 5.63 |
| Customers Bancorp Inc | 1.36bn | 209.18m | 2.45bn | 787.00 | 11.56 | 1.16 | 14.40 | 2.99 | 6.20 | 6.20 | 24.48 | 61.87 | -- | -- | -- | -- | 0.9494 | 1.17 | -- | -- | -- | -- | 27.38 | 33.37 | -- | -- | -- | -- | 2.39 | 20.14 | 25.69 | 10.15 | -- | -- |
| Bancorp Inc | 511.42m | 228.21m | 2.45bn | 771.00 | 11.36 | 3.56 | 13.99 | 3.48 | 4.92 | 4.92 | 15.16 | 15.71 | -- | -- | -- | -- | 2.52 | 2.25 | -- | -- | -- | -- | 32.42 | 37.19 | -- | -- | -- | -- | -31.92 | 12.24 | 4.91 | 23.14 | -- | -- |
| WaFd Inc | 1.32bn | 228.37m | 2.48bn | 2.04k | 11.32 | 0.9159 | 18.62 | 3.33 | 2.89 | 2.89 | 9.42 | 39.63 | -- | -- | -- | -- | 0.8841 | 0.9705 | -- | -- | -- | -- | 32.59 | 32.30 | -- | -- | -- | 33.83 | -2.35 | 16.61 | 14.04 | 4.04 | -2.11 | 4.23 |
| First Bancorp (North Carolina) | -100.00bn | -100.00bn | 2.48bn | 1.35k | -- | 1.50 | -- | -- | -- | -- | -- | 39.89 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| First Merchants Corp | 924.79m | 224.13m | 2.63bn | 2.12k | 10.72 | 0.9713 | 13.73 | 3.96 | 3.88 | 3.88 | 11.48 | 43.31 | -- | -- | -- | -- | 1.21 | 1.24 | -- | -- | -- | -- | 34.09 | 34.70 | -- | -- | -- | 35.08 | -2.45 | 15.57 | 12.33 | 8.74 | -- | 6.58 |
| CVB Financial Corp | -100.00bn | -100.00bn | 2.77bn | 1.09k | -- | 1.21 | -- | -- | -- | -- | -- | 16.93 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
Data as of Feb 12 2026. Currency figures normalised to NBT Bancorp Inc's reporting currency: US Dollar USD
41.18%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| BlackRock Fund Advisorsas of 30 Sep 2025 | 6.77m | 12.94% |
| The Vanguard Group, Inc.as of 31 Dec 2025 | 5.64m | 10.78% |
| SSgA Funds Management, Inc.as of 30 Sep 2025 | 2.41m | 4.61% |
| Dimensional Fund Advisors LPas of 30 Sep 2025 | 2.17m | 4.15% |
| Geode Capital Management LLCas of 30 Sep 2025 | 1.27m | 2.44% |
| Silvercrest Asset Management Group LLCas of 30 Sep 2025 | 847.04k | 1.62% |
| Northern Trust Investments, Inc.(Investment Management)as of 30 Sep 2025 | 660.80k | 1.26% |
| Victory Capital Management, Inc. (Investment Management)as of 30 Sep 2025 | 650.13k | 1.24% |
| Charles Schwab Investment Management, Inc.as of 30 Sep 2025 | 623.33k | 1.19% |
| DePrince, Race & Zollo, Inc.as of 31 Dec 2025 | 496.09k | 0.95% |
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Data from 30 Sep 2025 - 31 Dec 2025Source: FactSet Research Systems Inc.
