# NBT Bancorp share price today (NBT Bancorp Inc., NBTB)

> NBT Bancorp Inc.'s share price, valuation and earnings point in different directions. The next one or two quarters should make it clearer. NBTB · Financials · Banks - Regional · data as of 5 November 2026. Page: https://www.sectoralpha.in/us/stocks/nbtb

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## Key numbers

- Business trend: Mixed, from the last 12 quarters
- Price: $52.97 (+27.3% in a year)
- P/BV: 1.4× (higher than 78% of the last 5.3 years)
- Revenue (Jun 2026): $181 M (+17.8% on a year ago)
- Profit (Jun 2026): $53.0 M (+135.6% on a year ago)
- Net margin: 29.4% (+14.7 points on a year ago)
- ROE: 12%, FY25
- ROA: 1.34%, latest

Biggest thing to watch: the P/BV is higher than 78% of its own history, so the multiple has already done part of the work. ## What is the NBT Bancorp share price today? NBT Bancorp Inc.'s share price was $52.97 at the close on 5 November 2026. It has been rising for 22 weeks. That is 10.6% above its average price over the last 200 trading days. In the last 52 weeks it traded between $41 and $54, and at that close it sat 95% of the way up from that low. Over the past 13 weeks it has done better than the S&P 500, and it has stayed ahead for 1 week in a row. Over the last 10 years the share price moved +86% while the S&P 500 moved +245%, so it is behind the index over that whole period. The chart above shows the 13-week comparison for every week. This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row. ## What dividend does NBT Bancorp pay? NBT Bancorp Inc. paid $1.48 per share over the last four reported quarters. The most recent declaration was $0.37 for Jun 2026. At today's price of $52.97 that is a yield of 2.79%, based on dividends already paid, not a forecast. ## Which stock lists is NBT Bancorp on? NBT Bancorp is not in the Nasdaq 100, the S&P 500 or the Dow Jones 30, and is not on the US tech stocks list. ## Is NBT Bancorp profitable? NBT Bancorp Inc. earned $53.0 M of net profit in the Jun 2026 quarter, +135.6% on the same quarter a year earlier. That is the 4th quarter in a row of profit growth. Full-year FY25 profit was $169 M. Over 4 years profit has grown 2.2% a year on average. That is 29.4% of the quarter's revenue. The same quarter a year earlier earned $22.5 M. For the full year, FY25 profit was $169 M (+20.3% on the year before). Why profit moved: revenue changed +17.8% on a year earlier and the margin moved +14.7 percentage points. Most of the change came from keeping more of each sale. On average over the last four quarters, profit changed +68.0% and revenue +22.5%. Profit is growing faster than sales: fixed costs are spread over more sales, so each extra dollar of revenue adds more to profit. ## How much revenue does NBT Bancorp make, and is it growing? NBT Bancorp Inc. reported $181 M of income in the Jun 2026 quarter, +17.8% on the same quarter a year earlier. That is the 11th quarter in a row with growth on the year before. Over 4 years it has grown 8.1% a year on average. The last full year, FY25, came in at $665 M. The last four reported quarters add to $724 M. FY25 revenue was $665 M, +19.3% on the year before. Recent pace: the last four quarters grew +22.5% on average, against 8.1% a year over the longer run, so this year is growing faster than its own long-run rate. Is growth speeding up? Revenue over the last 12 months grew +22.4%, against +18.3% a year over the last 8 quarters (accelerating); profit over the last 12 months grew +60.6%, against +32.7% a year (accelerating). ## How much does NBT Bancorp keep from what it earns? NBT Bancorp Inc.'s net margin was 29.4% in the Jun 2026 quarter, 14.7 percentage points higher than the same quarter a year ago. Across 5 years it has been between 24.2% and 31.8%. The latest quarter is within that range. Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason. ## How many of NBT Bancorp's loans have gone bad? NBT Bancorp Inc. does not report loan-quality figures this page can read, so this section says so rather than guess. No bad-loan figures are filed in a form this page can read, and none are guessed from the profit line. The income, margin and return sections carry what this business does report. Why: loan quality drives a lender, but its details (new bad loans, recoveries, money set aside) are not in our data for this company. The sections around this one carry what we can back up. ## How fast is NBT Bancorp's loan book growing? NBT Bancorp Inc.'s revenue was $665 M in FY25, +19.3% on the year before, so the loan book is growing. The latest quarter was +17.8% on a year earlier. The net margin on that income is 29.4%, +14.7 percentage points on a year ago. Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year. In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Quarterly loan-quality figures are missing here, so revenue growth and margin are the two we watch. ## What is NBT Bancorp's P/BV ratio, and how does it compare with its own history? NBT Bancorp Inc.'s P/BV is 1.4×, near the high end of its own history: higher than 78% of past readings. Its usual P/BV (the middle reading) is 1.3×, over 5.3 years of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth. Why the multiple is low: this lender earns about 12% a year on its equity. A lender that earns less on its net worth is valued lower for each dollar of it, and that gap usually closes only if returns improve. Why the multiple is where it is: over the past year book value grew while the price moved +27.3%. The price ran ahead of book value, which pushed the multiple up within its own range. Where the price move came from: over 5 years the price moved +6.7% a year; about +5.5% a year came from book-value growth and about +1.2 percentage points from the multiple (the market paying more). The split is approximate (price return minus book-value growth). It shows how much of the move came from the market paying a different multiple. In short: the multiple is high against its own past, so the book value trend underneath matters more than the multiple. ## Is the NBT Bancorp business getting better or worse? NBT Bancorp Inc.'s business is giving mixed signals. Growth has been steadily positive, but ROE at 11.0% is below the 12% level needed to call it steady growth. This is based on 12 quarters of 4 measures. Why it matters: when the lines disagree, each line above matters more than any single label. ## How much does NBT Bancorp earn on its equity and assets? NBT Bancorp Inc. earned a return on equity of 9% in FY25. Its lowest yearly reading on file was 8% in FY23. On its assets, every $100 earned about $1.34, before the effect of borrowing. For a lender the balance sheet is the business, so the return on equity and on assets have to be read together. That return is below the level a bank needs to grow its net worth quickly, which helps explain why its multiple is where it is. Why: the ROE chart shows the move, but the deposit-cost and bad-loan details behind it are not in our data. ## Does NBT Bancorp have too much debt? For a bank, borrowing is the raw material of the business, not a warning sign: it borrows money in order to lend it out. Its safety is read through its returns and its loans. Its safety is read from the bad-loan figures and the return on equity instead. For a manufacturer, debt is a claim on its profits. For a lender it is the stock it trades in, so the usual debt-to-equity test would mislead and is not used here. ## What is the NBT Bancorp shareholding pattern? 5.1% of NBT Bancorp Inc.'s tradable shares are in short positions, which are bets that the price will fall, so some traders are betting against it. At normal trading volumes, closing those positions would take about 7.2 days. US companies do not publish a quarter-by-quarter list of owners, so this page uses short interest instead. It is a single reading at one point in time; we do not have its history. Why it is at this level: the figure does not say who holds the short positions or why, so we show the level without guessing the story. ## How far is NBT Bancorp from balance-sheet trouble? For NBT Bancorp Inc., the Z-score is not used, because it was built for manufacturers, not lenders. For a lender, safety is read from its capital and bad-loan figures instead. ## How does NBT Bancorp rank in its industry? There is no score against its industry: NBT Bancorp Inc. is not among the largest members shown in this industry comparison for Banks - Regional. The score ranks a company within its industry: each measure is scored against the other members. Without that group there is no score, so none is shown. ## Which companies is NBT Bancorp compared with? No sector comparison is shown here, not among the largest members shown in this industry comparison. ## Which companies are close to NBT Bancorp in size? NBT Bancorp is the 91st largest of 274 Banks - Regional companies on Sector Alpha by market value (scores of 5 November 2026). Just above it: Columbia Financial, Inc., Banc of California, Inc. and Customers Bancorp, Inc. Just below it: Bank of Hawaii Corporation, First Bancorp and FB Financial Corporation. ### Banks - Regional companies close in size

1. [Columbia Financial, Inc.](https://www.sectoralpha.in/us/stocks/clbk) $3 billion
2. [Banc of California, Inc.](https://www.sectoralpha.in/us/stocks/banc) $2.8 billion
3. [Customers Bancorp, Inc.](https://www.sectoralpha.in/us/stocks/cubi) $2.8 billion
4. NBT Bancorp Inc. $2.8 billion
5. [Bank of Hawaii Corporation](https://www.sectoralpha.in/us/stocks/boh) $2.7 billion
6. [First Bancorp](https://www.sectoralpha.in/us/stocks/fbnc) $2.7 billion
7. [FB Financial Corporation](https://www.sectoralpha.in/us/stocks/fbk) $2.7 billion

[All 274 Banks - Regional companies, largest first](https://www.sectoralpha.in/us/sectors/banks-regional#all-companies)

### Companies close in size in other industries

1. [Gulfport Energy Corporation](https://www.sectoralpha.in/us/stocks/gpor) $2.8 billion · Oil & Gas Exploration & Production
2. [Cosan S.A.](https://www.sectoralpha.in/us/stocks/csan) $2.8 billion · Oil & Gas Refining & Marketing
3. NBT Bancorp Inc. $2.8 billion
4. [Bank of Hawaii Corporation](https://www.sectoralpha.in/us/stocks/boh) $2.8 billion · Banks - Regional
5. [DNOW Inc.](https://www.sectoralpha.in/us/stocks/dnow) $2.8 billion · Industrial Distribution

## What else do people ask about NBT Bancorp? ### What were NBT Bancorp's latest quarterly results? NBT Bancorp Inc. reported total income of $181 M and net profit of $53.0 M for the Jun 2026 quarter. Income rose 17.8% and profit rose 135.6% compared with a year earlier. Earnings per share were $1.02. The net margin was 29.4%, 14.7 percentage points higher than a year earlier (as of 5 November 2026). ### What is NBT Bancorp's market cap? NBT Bancorp Inc.'s market capitalisation is $2.8 B at a stock price of $52.97. Market cap is the share price times the number of shares, so it changes whenever the price moves (as of 5 November 2026). ### How is NBT Bancorp performing? NBT Bancorp Inc.'s share price has been rising for 22 weeks. In its latest quarter, income rose 17.8% and profit rose 135.6% compared with a year earlier. Over the past 13 weeks it has done better than the S&P 500, for 1 week running (as of 5 November 2026). ### Will NBT Bancorp's stock price go up? This page does not forecast NBT Bancorp Inc.'s stock price. What it shows instead: the stock price is $52.97, and it has been rising for 22 weeks. Its P/BV of 1.4× is higher than 78% of its own last 5 years (as of 5 November 2026). ### Where is NBT Bancorp in its business cycle? NBT Bancorp Inc.'s FY25 net margin was 25.5%, against a 5-year range of 24.2% to 31.8%: the low end of its own range, which is often where recoveries start. The latest quarter was 29.4%. Comparing margins with a company's own long history is a good way to see where it is in its cycle (as of 5 November 2026). ### What could break the NBT Bancorp story? Biggest thing to watch: the P/BV is higher than 78% of its own history, so the multiple has already done part of the work. On price, this page treats a rise as over when the share price closes below its 200-day average on two Fridays in a row (as of 5 November 2026). ### Is NBT Bancorp a stock worth studying right now? What the numbers show: NBT Bancorp Inc.'s share price, valuation and earnings point in different directions. The next one or two quarters should make it clearer. The main open question: the next one or two quarters of results. Every number on this page is worked out by code from the published figures, with no forecasts and no price opinions (as of 5 November 2026). This is research, not advice. We’re not SEBI-registered.