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50.08 USD
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P/E
14.01
EPS
3.54
Yield
2.94%
Safety Score
100
P/B
1.35
ROE
10.55
Beta
0.50
Target Price
50.42 USD
NBT Bancorp Inc. logo

NBT Bancorp Inc.

🧾 Earnings Recap – Q3 2025

NBT Bancorp delivered strong Q3 2025 results, demonstrating solid operating leverage and significant improvements in net interest margin, aided by the successful integration of Evans Bancorp.

  • Net income rose to $54.5 million, equating to $1.03 per diluted share, with operating earnings of $1.05, up 19% from Q2.
  • Net interest margin expanded for the sixth consecutive quarter, reflecting ongoing asset repricing and prudent funding cost management.
  • Deposits increased by $2.1 billion year-to-date, driven by strong growth in checking and money market accounts, underpinned by the acquisition of Evans Bancorp.
  • The company announced an 8.8% dividend increase, marking 13 consecutive years of dividend growth, reflecting robust capital strength and earnings consistency.
  • Continued strategic expansion is planned with new branch openings in key markets, including Greater Rochester and Portland, Maine, to enhance regional presence.
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Key Metrics
Earnings dateJuly 27, 2026
P/E14.01
EPS3.54
Book Value36.81
Price to Book1.35
% Insiders2.846%
Growth
Revenue Growth0.22%
Earnings Growth0.27%
Estimates
Forward P/E10.93
Forward EPS4.54
Target Mean Price50.42
Dividend
Dividend Yield2.94%
Annual dividends1.48 USD
Ex-Div. DateJune 1, 2026
Payout41.26%
5y avg Yield3.15%

DCF Valuation

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Currency: USD
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DCF Result
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Note: historical bars show reported FCF (for context); forward bars show PV of projected FCF; if no per-year data, totals are shown.

NBT Bancorp Inc. Logo NBT Bancorp Inc. Analysis (NBTB)

United States Financials Official Website Stock

Is NBT Bancorp Inc. a good investment? NBT Bancorp Inc. (NBTB) is currently trading at 50.08 USD. Market analysts have a consensus price target of 50.42 USD. This suggests a potential upside from current levels.

In terms of valuation, the stock trades at a P/E ratio of 14.01. This relatively low multiple may signal that NBT Bancorp Inc. is undervalued compared to historical market norms.

Earnings Schedule: NBT Bancorp Inc. is expected to release its next earnings report on July 27, 2026. The market consensus estimate for Forward EPS is 4.54.

For income investors, NBT Bancorp Inc. pays a dividend yield of 2.94%. With a payout ratio of 41%, the dividend appears sustainable.

Investor FAQ

Does NBT Bancorp Inc. pay a dividend?

Yes, it pays an annual dividend of 1.48 USD (2.94% yield).

What asset class is NBT Bancorp Inc.?

NBT Bancorp Inc. is classified as a Stock. You can compare it against its peer in the "Related Symbols" list.

When is the next earnings date?

The next earnings date is projected to be July 27, 2026. The company currently has a trailing EPS of 3.54.

Company Profile

NBT Bancorp Inc., a financial holding company, provides personal and commercial banking, retail banking, and wealth management services in the United States. It operates through Banking, Retirement Plan Administration, and All Other segments. The company offers demand deposit, savings, interest-bearing checking, money market deposit, and certificate of deposit accounts; and indirect and direct consumer loans, home equity loans and lines of credit, residential mortgages, business banking loans, commercial and industrial loans, agricultural loans, commercial construction loans, commercial real estate loans, indirect auto loans, and other consumer loans, as well as agricultural lending, personal lines of credit, overdraft protection, and second mortgage loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan and health savings account recordkeeping and administration, and actuarial services. In addition, the company offers insurance products, such as personal property and casualty, business liability, and commercial insurance; and other products and services through a network of ATM locations and 24-hour online, mobile, and telephone channels that enable customers to check balances, make deposits, transfer funds, pay bills, access statements, apply for loans, and access various other products and services. Further, it operates as a property management and passive investment company, as well as investment advisor that provides investment management and financial consulting services. The company serves retail, commercial, and municipal customers. It operates in upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York.

Exchange Ticker
NMS (United States) NBTB
Trades
Dividend Yield
2.94%
5y avg 3.15%
Annual Dividends
1.48USD
Next Ex. Div Date
June 1, 2026
Payout Ratio
41.26%
Dividend History paid per year (USD)
Historical Dividends
Year Total Dividends
▸2027
0.77 USD
June 21, 2027 (estimated) 0.3862
March 15, 2027 (estimated) 0.3862
▸2026
1.52 USD
Dec. 21, 2026 (estimated) 0.3920
Sept. 21, 2026 (estimated) 0.3920
June 15, 2026 0.3700
March 16, 2026 0.3700
▸2025
1.42 USD
Dec. 15, 2025 0.3700
Sept. 15, 2025 0.3700
June 16, 2025 0.3400
March 17, 2025 0.3400
▸2024
1.32 USD
Dec. 16, 2024 0.3400
Sept. 13, 2024 0.3400
June 17, 2024 0.3200
March 15, 2024 0.3200
▸2023
1.24 USD
Dec. 15, 2023 0.3200
Sept. 15, 2023 0.3200
June 15, 2023 0.3000
March 15, 2023 0.3000
▸2022
1.16 USD
Dec. 15, 2022 0.3000
Sept. 15, 2022 0.3000
June 15, 2022 0.2800
March 15, 2022 0.2800
▸2021
1.10 USD
Dec. 15, 2021 0.2800
Sept. 15, 2021 0.2800
June 15, 2021 0.2700
March 15, 2021 0.2700
▸2020
1.08 USD
Dec. 15, 2020 0.2700
Sept. 15, 2020 0.2700
June 15, 2020 0.2700
March 13, 2020 0.2700
▸2019
1.05 USD
Dec. 13, 2019 0.2700
Sept. 13, 2019 0.2600
June 14, 2019 0.2600
March 15, 2019 0.2600
▸2018
0.99 USD
Dec. 14, 2018 0.2600
Sept. 14, 2018 0.2500
June 15, 2018 0.2500
March 15, 2018 0.2300
▸2017
0.92 USD
Dec. 15, 2017 0.2300
Sept. 15, 2017 0.2300
June 15, 2017 0.2300
March 15, 2017 0.2300
▸2016
0.90 USD
Dec. 15, 2016 0.2300
Sept. 15, 2016 0.2300
June 15, 2016 0.2200
March 15, 2016 0.2200
▸2015
0.87 USD
Dec. 15, 2015 0.2200
Sept. 15, 2015 0.2200
June 15, 2015 0.2200
March 13, 2015 0.2100
▸2014
0.84 USD
Dec. 15, 2014 0.2100
Sept. 15, 2014 0.2100
June 13, 2014 0.2100
March 14, 2014 0.2100
▸2013
0.81 USD
Dec. 15, 2013 0.2100
Sept. 15, 2013 0.2000
June 15, 2013 0.2000
March 15, 2013 0.2000
▸2012
0.80 USD
Dec. 15, 2012 0.2000
Sept. 15, 2012 0.2000
June 15, 2012 0.2000
March 15, 2012 0.2000
▸2011
0.80 USD
Dec. 15, 2011 0.2000
Sept. 15, 2011 0.2000
June 15, 2011 0.2000
March 15, 2011 0.2000
▸2010
0.80 USD
Dec. 15, 2010 0.2000
Sept. 15, 2010 0.2000
June 15, 2010 0.2000
March 15, 2010 0.2000
▸2009
0.80 USD
Dec. 15, 2009 0.2000
Sept. 15, 2009 0.2000
June 15, 2009 0.2000
March 15, 2009 0.2000
▸2008
0.80 USD
Dec. 15, 2008 0.2000
Sept. 15, 2008 0.2000
June 15, 2008 0.2000
March 15, 2008 0.2000
▸2007
0.79 USD
Dec. 15, 2007 0.2000
Sept. 15, 2007 0.2000
June 15, 2007 0.2000
March 15, 2007 0.1900
▸2006
0.76 USD
Dec. 15, 2006 0.1900
Sept. 15, 2006 0.1900
June 15, 2006 0.1900
March 15, 2006 0.1900
▸2005
0.76 USD
Dec. 15, 2005 0.1900
Sept. 15, 2005 0.1900
June 15, 2005 0.1900
March 15, 2005 0.1900
▸2004
0.74 USD
Dec. 15, 2004 0.1900
Sept. 15, 2004 0.1900
June 15, 2004 0.1900
March 15, 2004 0.1700
▸2003
0.68 USD
Dec. 15, 2003 0.1700
Sept. 15, 2003 0.1700
June 15, 2003 0.1700
March 15, 2003 0.1700
▸2002
0.68 USD
Dec. 15, 2002 0.1700
Sept. 15, 2002 0.1700
June 15, 2002 0.1700
March 15, 2002 0.1700
▸2001
0.68 USD
Dec. 15, 2001 0.1700
Sept. 15, 2001 0.1700
June 15, 2001 0.1700
March 15, 2001 0.1700
▸2000
0.68 USD
Dec. 15, 2000 0.1700
Sept. 15, 2000 0.1700
June 15, 2000 0.1700
March 15, 2000 0.1700
▸1999
0.64 USD
Nov. 29, 1999 0.1542
Sept. 15, 1999 0.1619
June 15, 1999 0.1619
March 15, 1999 0.1619
▸1998
0.66 USD
Dec. 15, 1998 0.1619
Sept. 15, 1998 0.1542
June 15, 1998 0.1700
March 13, 1998 0.1700
▸1997
0.71 USD
Nov. 26, 1997 0.2379
Sept. 15, 1997 0.1700
June 13, 1997 0.1500
March 14, 1997 0.1500
▸1996
0.62 USD
Nov. 26, 1996 0.2316
Sept. 13, 1996 0.1300
June 14, 1996 0.1300
March 15, 1996 0.1300
▸1995
0.56 USD
Nov. 29, 1995 0.2007
Sept. 15, 1995 0.1200
June 15, 1995 0.1200
March 15, 1995 0.1200
▸1994
0.55 USD
Dec. 15, 1994 0.2044
Sept. 15, 1994 0.1150
June 15, 1994 0.1150
March 15, 1994 0.1150
▸1993
0.53 USD
Dec. 15, 1993 0.1952
Sept. 15, 1993 0.1150
June 15, 1993 0.1100
March 15, 1993 0.1100
▸1992
0.40 USD
Dec. 15, 1992 0.1868
Sept. 1, 1992 0.1070
June 15, 1992 0.1067
Upcoming Dividends
Name Payment Date Status Amount
NBT Bancorp Inc. Jun 15, 2026 0.37 USD
NBT Bancorp Inc. Mar 16, 2026 0.37 USD
NBT Bancorp Inc. Dec 15, 2025 0.37 USD
NBT Bancorp Inc. Sep 15, 2025 0.37 USD
Stock Splits
Split Date Split Ratio to 1
Nov. 29, 1999 1.050000
Nov. 27, 1998 1.050000
June 16, 1998 1.330000
Nov. 26, 1997 1.050000
Nov. 26, 1996 1.050000
Nov. 29, 1995 1.050000
Nov. 25, 1994 1.050000
Nov. 24, 1993 1.050000
Nov. 24, 1992 1.050000
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