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NB

NBT Bancorp Inc. (NBTB)

NASDAQ • Financial Services

$52.79
+$1.33 (+2.6%)
Market closed

Last close at October 22, 2026 at 20:00 UTC

Open$51.48
Day Range$51.43 - $52.89
Avg. Volume (3M)313.6K
Market Cap$2.7B
P/E Ratio12.9
52 Week Range
$39.45$54.5
Next EarningsIn 5 daysOct 27, 2026

Metrics Over Time

Where the Money Goes

Q2 2026
Revenueeverything earned$235.4M100%
Gross Profitminus cost of goods$180.5M77%
Operating Incomeminus R&D and overhead$69.1M29%
Net Incomeminus taxes and the rest$53M23%

In plain terms: out of every $100 in revenue, NBT Bancorp Inc. keeps $23 as net profit.

Fundamentals & Financials

Revenue (TTM)
$945.2M
Net Income (TTM)
$214.1M
EPS (TTM)
$4.1
ROA (TTM)
1.32%
Current Ratio
0.59
Dividend Yield
0.75%

TTM is calculated as the sum of the four most recently completed quarters. This is a standard approach when monthly or real-time data is not available.

Earnings

+6.1%Q1 2026$1.05
-1.0%Q2 2026$0.97
-1.0%Q3 2026$1.01
Next

Oct 27

in 5 daysQ4 2026

% — EPS deviation from the forecast (beat / miss); quarters without a forecast show the reported EPS

Latest report — Q3 2026
Miss -1.0%

NBT Bancorp’s net income rose 135.6% to about $53.0 million from $22.5 million a year ago in the fiscal second quarter of 2026, and the results came in line with consensus when EPS of $1.01 matched a $1.02 estimate, -0.98%, as reported on July 27. Revenue came in at about $235.5 million, while operating income was about $69.1 million and operating margin held near 29%. The company also repurchased about $3.0 million of stock and paid about $19.2 million in dividends. Consensus for the next period calls for EPS of $1.09.

Next report — what to expect

NBT Bancorp Inc. (NBTB) is set to report earnings on October 26, 2026. Wall Street’s consensus calls for EPS of $1.09 on revenue of $193.9 million. For trailing context, revenue rose +5.1% year over year last quarter. NBTB has beaten EPS in 5 of 8 most recent quarters.

View full earnings history

About NBT Bancorp Inc.

NBT Bancorp Inc. (NASDAQ: NBTB) is a regional banking company in the financial services sector that combines personal and commercial banking with retirement plan administration and advisory activities. In FY2025, it generated $867.4 million in revenue. Its banking franchise spans retail banking, business lending, wealth management, and deposit gathering across communities in the Northeast and broader United States.

Name
NBT Bancorp Inc.
CEO
Scott A. Kingsley
Website
www.nbtbancorp.com
Industry
Financial Services
Year Founded
1856
Employees
2,303

Today's Snapshot

AI-generated

The day ended with NBTB 2.6% higher, near its 52-week high of 54.50. NBTB reports earnings on 27 October.

Trading Volume

Below 10d avg (260.2K)

246.1K

vs S&P 500 Today

Strong Outperformance

+3.86%

Updated: October 22, 2026 at 20:29 UTC

Technical Indicators

6 Buy1 Neutral1 Sell
NBTB is rated Buy with the price at 52.79 comfortably above the short- and medium-term moving averages and the 200-day, while momentum looks constructive driven by a strongly positive CCI (roughly 213) and a mildly positive MACD. ADX around 18.6 indicates a relatively weak trend, and RSI is elevated but not extreme, so gains appear supported without clear overbought readings; ATR near 0.91 (about 1.7%) implies modest volatility. The pivot sits beneath the market. Technical takeaway: Buy — short- and mid-term averages and momentum favor the bullish case despite tepid trend strength.
All signals
  • EMA (5 indicators)$47.53 - $51.24
    Buy
  • RSI (14)64.89
    Neutral
  • Stochastic %K (14, 3, 3)88.76
    Sell
  • MACD Level (12, 26)0.09
    Buy

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