Nbt Bancorp Inc (NBTB) Stock Price & Analysis
Nbt Bancorp Inc (NBTB) rose 2.07% to USD 52.38 as of July 25, 2026 at 06:13 UTC, according to Nexqual real-time market data.
NBTB last closed at USD 51.32; the session ranged USD 51.6–52.58 on volume of 394,734 shares. Market capitalization is $2.72B, with a 52-week range of USD 39.2–53.33 (NMS). Source: Nexqual, July 25, 2026 at 06:13 UTC.
Key Statistics (as of July 25, 2026 at 06:13 UTC)
| Price | USD 52.38 |
|---|---|
| Change | ▲ 2.07% (up) |
| Previous Close | USD 51.32 |
| Open | USD 51.73 |
| Day Range | USD 51.6 – 52.58 |
| 52-Week Range | USD 39.2 – 53.33 |
| Volume | 394,734 shares |
| Market Cap | $2.72B |
| Exchange | NMS |
Technical Analysis (NBTB)
Nexqual's technical model rates NBTB "STRONG BUY" based on 5 bullish and 0 bearish signals across 125 daily candles, as of July 25, 2026 at 06:13 UTC.
| Overall Signal | STRONG BUY |
|---|---|
| RSI (14) | 66.12 (neutral) |
| vs SMA50 | Above (USD 48.16) |
| MACD | 1.18 (positive) |
Analyst Ratings (NBTB)
Wall Street analysts rate NBTB "None" based on 6 analysts, with a mean price target of USD 51.42 (range USD 46.5–56), per Nexqual as of July 25, 2026 at 06:13 UTC.
| Consensus Rating | None |
|---|---|
| Analyst Count | 6 |
| Mean Target | USD 51.42 |
| High Target | USD 56 |
| Low Target | USD 46.5 |
| Buy / Hold / Sell | 3 / 4 / 0 |
Earnings (NBTB)
| Next Earnings Date | 2026-07-27 |
|---|---|
| EPS Estimate | USD 1.02 |
| Revenue Estimate | $188.65M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-03-31 | USD 0.97 vs est 0.98 ▼ miss |
| 2025-12-31 | USD 1.05 vs est 0.99 ▲ beat |
| 2025-09-30 | USD 1.05 vs est 0.97 ▲ beat |
| 2025-06-30 | USD 0.88 vs est 0.83 ▲ beat |
Source: Nexqual, July 25, 2026 at 06:13 UTC.
Financials & Fundamentals (NBTB)
| Total Revenue | $696.57M |
|---|---|
| Revenue Growth (YoY) | +21.60% |
| Gross Margin | +0.00% |
| Operating Margin | +40.60% |
| Profit Margin | +26.36% |
| ROE | +10.55% |
| Total Cash | $784.30M |
| Total Debt | $365.59M |
Source: Nexqual, July 25, 2026 at 06:13 UTC.
Financial Health Score (NBTB)
Nexqual rates Nbt Bancorp Inc's overall financial health "Mixed" across five dimensions, as of July 25, 2026 at 06:13 UTC.
| Growth | Strong — Revenue +21% YoY (annual) |
|---|---|
| Profitability | Critical — Gross margin 0% |
| Balance Sheet | Mixed — $784M cash vs $366M debt, net cash position |
| Cash Flow | Solid — Operating cash flow $246M |
| Efficiency | Mixed — ROE 11%, ROA 1.2% |
Ownership (NBTB)
| Insider Ownership | +2.85% |
|---|---|
| Institutional Ownership | +65.60% |
| Shares Outstanding | 52.01M |
| Float | 50.99M |
| Short % of Float | +4.70% |
Source: Nexqual, July 25, 2026 at 06:13 UTC.
Leadership (NBTB)
Nbt Bancorp Inc is led by Scott A. Kingsley (age 60), President, CEO & Director, per Nexqual as of July 25, 2026 at 06:13 UTC.
| President, CEO & Director | Scott A. Kingsley (age 60) |
|---|---|
| Executive VP & CFO | Annette L. Burns (age 52) |
| Senior Executive Vice President | Joseph R. Stagliano (age 56) |
Major Backers & Investors (NBTB)
Notable institutional backers of Nbt Bancorp Inc include Silvercrest Asset Management Group, LLC, Victory Capital Management Inc., Charles Schwab Investment Management, Inc., according to Nexqual as of July 25, 2026 at 06:13 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Silvercrest Asset Management Group, LLC | 1.33% |
| Victory Capital Management Inc. | 1.29% |
| Charles Schwab Investment Management, Inc. | 1.18% |
| Fidelity | 0.98% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 23.64% |
| Vanguard Group | 18.78% |
| State Street | 6.49% |
| Dimensional Fund Advisors | 4.48% |
| Geode Capital | 2.56% |
| Northern Trust | 1.31% |
Source: Nexqual, July 25, 2026 at 06:13 UTC.
From Nbt Bancorp Inc's Latest SEC 10-K Filing (filed 2026-02-27)
Key Strengths & Strategy (as disclosed to the SEC)
- The Company has an ongoing initiative to replace existing lighting with LED lighting to reduce energy consumption.   Services like mobile and online banking, remote deposit capture, electronic loan payments, eStatements and combined statements enable us to support all customers in their efforts to consume less fuel and paper.
Partnerships
- Bank holding companies and insured depository institutions may also be subject to potential enforcement actions of varying levels of severity by the federal banking agencies for unsafe or unsound practices in conducting their business or for violation of any law, rule, regulation, condition imposed in writing by the agency or term of a written agreement with the agency.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| STBA | S&T Bancorp, Inc. | USD 51.79 | ▲ 4.42% |
| INDB | Independent Bank Corp. | USD 85.12 | ▼ 0.2% |
| LKFN | Lakeland Financial Corporation | USD 61.11 | ▼ 0.33% |
| CBU | Community Financial System, Inc | USD 67.24 | ▲ 0.04% |
| CHCO | City Holding Company | USD 139.62 | ▲ 0.32% |
Data source: Nexqual — real-time market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: July 25, 2026 at 06:13 UTC. This page is informational and not investment advice.