NBT BANCORP INC (NBTB)
Financials · Regional commercial banking · NASDAQ
A mid-sized regional bank providing commercial lending, deposit, wealth management, and financial services with a diversified revenue model spanning net interest income, fee services, and insurance operations.
What NBT BANCORP INC does
NBT Bancorp Inc. operates through NBT Bank, National Association, a regional banking institution providing deposit, lending, wealth management, and financial services to customers across multiple states. The company generates net interest income from loans and securities, offers noninterest income through retirement plan administration, wealth management, insurance services, and card services. The bank maintains a diversified loan portfolio including commercial, industrial, and commercial real estate lending, with total loans of approximately $11.5 billion as of Q1 2026.
Themes: ["Regional banking","Commercial lending","Wealth management / trust services","Deposit banking","Retirement plan administration"]
Fundamentals
- Price$49.95 as of 2026-07-09 close
- Market cap$2.6B as of 2026-07-10
- 1-year return+13.2% as of 2026-07-09 close
- P/E14.19 as of 2026-07-10
- Net margin+24.1% as of 2026-07-10
- ROE+9.8% as of 2026-07-10
- Debt / equity0.16 as of 2026-07-10
- Revenue growth (YoY)+32.1% as of 2026-07-10
- Revenue CAGR (3y)+6.7% SEC XBRL
- Beta0.51 as of 2026-07-10
Dividend: yield +3.0%; 5-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Credit risk exposure from commercial and commercial real estate loan portfolio, managed through allowance for loan losses provisions and CECL methodology","Interest rate risk and net interest margin compression from changing interest rate environment and deposit funding costs","Cybersecurity and information security threats requiring ongoing investment in controls, monitoring, and employee training"]
Competitors & peers
- M&T Bank (MTB)
- KeyCorp (KEY)
- Berkshire Bank
- Tompkins Financial (TMP)
- WSFS Financial (WSFS)
- Flushing Bank
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.