NBT Bancorp Inc. NBTB | NASDAQ

$41.55 -$0.34 | -0.81%

After Hours
$40.86 -$0.69 | -1.66%

Next Earnings: Jul 21, 2025

Company Overview:

Market Cap: $2.17B
PE Ratio: 13.71
52-Week Range: $37.31 - $52.44
Dividend Yield (FWD): 3.27% ($1.36)

6 Year NBTB Performance Metrics:

Total Return (with DRIP): 38.9% (5.63% CAGR)
Total Return (no DRIP): 34.5% (5.07% CAGR)
Share Price: 14.9% (2.34% CAGR)
Dividend Increase: 30.8% (4.57% CAGR)
NBTB 6-yr Total Return ($10K invested)
1Y 2Y 5Y 10Y All

NBTB Dividend Payments, Yield & Share Price charts

Dividend Payments & Yield
NBTB Dividend CAGR:1Y: 6.25%2Y: 6.46%5Y: 4.72%10Y: 4.45%
Share Price
NBTB Price CAGR:1Y: 9.03%2Y: 14.22%5Y: 6.20%10Y: 1.40%

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NBTB Dividend Safety: Payout & Dividend to Free Cash Flow Ratios.

Dividend Payout Ratio - NBTB
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Dividend to Free Cash Flow Ratio - NBTB
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NBTB Earnings, Revenue, Cash & Debt, Shares Outstaning:

NBTB - Revenue
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NBTB Revenue CAGR:1Y: 4.57%2Y: 26.56%5Y: 12.51%10Y: 8.64%
NBTB - Earnings Per Share (EPS)
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NBTB EPS CAGR:1Y: 8.45%2Y: -0.64%5Y: 27.34%10Y: 6.51%
NBTB - Net Income
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NBTB Net Income CAGR:1Y: 8.64%2Y: 4.49%5Y: 28.80%10Y: 7.30%
NBTB - EBITDA
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NBTB EBITDA CAGR:1Y: 8.27%2Y: -7.14%5Y: 13.00%10Y: 4.23%
NBTB - Free Cash Flow
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NBTB Free Cash Flow CAGR:1Y: 12.97%2Y: 36.84%5Y: 0.38%10Y: 2.84%
NBTB - Free Cash Flow / Share
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NBTB Free Cash Flow / Share CAGR:1Y: 13.06%2Y: 30.58%5Y: -1.05%10Y: 2.21%
NBTB - Operating Income
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NBTB Operating Income CAGR:1Y: 4.05%2Y: -12.99%5Y: 10.54%10Y: 3.17%
NBTB - Gross Profit
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NBTB Gross Profit CAGR:1Y: -23.85%2Y: 0.00%5Y: 0.00%10Y: 0.00%
NBTB - Shares Outstanding
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NBTB Shares Outstanding CAGR:1Y: -0.55%2Y: 4.52%5Y: 1.32%10Y: 0.54%
NBTB - Share Buybacks
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NBTB Share Buybacks CAGR:1Y: -100.00%2Y: -100.00%5Y: -100.00%10Y: -100.00%
NBTB - Stock-Based Comp
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NBTB Stock-Based Comp CAGR:1Y: -4.82%2Y: -6.09%5Y: -4.06%10Y: 0.90%
NBTB - Expenses
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NBTB Expenses CAGR:1Y: 52.62%2Y: 63.06%5Y: 2.03%10Y: 13.49%
NBTB - Revenue vs Net Income
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NBTB - EPS vs FCF / Share
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NBTB - EPS vs PE Ratio
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NBTB - FCF vs FCF / Share
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NBTB - FCF vs Stock Based Comp
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NBTB - Cash & Debt
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NBTB - Dividends
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NBTB Dividend CAGR:1Y: 6.25%2Y: 6.46%5Y: 4.72%10Y: 4.45%
NBTB - Revenue by Segment
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NBTB Revenue CAGR:1Y: 4.57%2Y: 26.56%5Y: 12.51%10Y: 8.64%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

NBTB - REVENUE: Actual + Estimates
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NBTB Actual Revenue CAGR:1Y: 4.57%2Y: 26.56%5Y: 12.51%10Y: 8.64%
NBTB - EPS: Actual + Estimates
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NBTB Actual EPS CAGR:1Y: 8.45%2Y: -0.64%5Y: 27.34%10Y: 6.51%
NBTB - NET INCOME: Actual + Estimates
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NBTB Actual Net Income CAGR:1Y: 8.64%2Y: 4.49%5Y: 28.80%10Y: 7.30%
NBTB - EBITDA: Actual + Estimates
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NBTB Actual EBITDA CAGR:1Y: 8.27%2Y: -7.14%5Y: 13.00%10Y: 4.23%

Ratios, Profit Margins & Return on Capital:

NBTB - Net Profit Margin
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NBTB Net Profit Margin CAGR:1Y: 3.87%2Y: -17.44%5Y: 14.47%10Y: -1.24%
NBTB - Gross Profit Margin
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NBTB Gross Profit Margin CAGR:1Y: -27.17%2Y: -14.68%5Y: -6.15%10Y: -3.12%
NBTB - Price to Earnings
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NBTB - Price To Sales Ratio
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NBTB - Return on Capital Employed
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NBTB - Return on Invested Capital
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NBTB Dividends Info:

Annual Dividend: $1.36
Forward Yield: 3.27%
Ex-Dividend Date: 2025-06-02
Lifetime Dividends / Share: $24.99

NBTB Dividend History: Dates, Payments & Yield list

Below is a schedule of all NBTB dividend payments, ex-dates, share price on the day of the payment as well as TTM & forward yield

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
06/02/202506/16/2025$0.3403.32%3.37%$40.36
03/03/202503/17/2025$0.3402.83%3.11%$43.67
12/02/202412/16/2024$0.3402.65%2.6%$52.33
08/30/202409/13/2024$0.3402.66%3.03%$44.83
06/03/202406/17/2024$0.3203.55%3.55%$36.08
02/29/202403/15/2024$0.3203.66%3.77%$33.97
11/30/202312/15/2023$0.3203.49%3.09%$41.46
08/31/202309/15/2023$0.3203.54%3.9%$32.80
05/31/202306/15/2023$0.3003.58%3.43%$35.03
02/28/202303/15/2023$0.3002.91%3.4%$35.34
11/30/202212/15/2022$0.3002.51%2.85%$42.07
08/31/202209/15/2022$0.3002.94%3.08%$38.95
05/31/202206/15/2022$0.2803.03%3.11%$36.05
02/28/202203/15/2022$0.2802.89%2.91%$38.45
11/30/202112/15/2021$0.2803.05%3.05%$36.67
08/31/202109/15/2021$0.2803.04%3.3%$33.94
05/28/202106/15/2021$0.2702.77%2.81%$38.44
02/26/202103/15/2021$0.2702.98%2.61%$41.42
11/30/202012/15/2020$0.2703.61%3.29%$32.84
08/31/202009/15/2020$0.2703.54%3.72%$29.00
05/29/202006/15/2020$0.2703.42%3.56%$30.30
02/27/202003/13/2020$0.2702.98%3.46%$31.23
11/27/201912/13/2019$0.2702.62%2.67%$40.44
08/29/201909/13/2019$0.2602.98%2.73%$38.14
05/30/201906/14/2019$0.2600%2.88%$36.17
02/28/201903/15/2019$0.2600%2.88%$36.17
11/29/201812/14/2018$0.2600%2.88%$36.17
08/30/201809/14/2018$0.2500%2.76%$36.17
05/31/201806/15/2018$0.2500%2.76%$36.17
02/28/201803/15/2018$0.2300%2.54%$36.17
11/30/201712/15/2017$0.2300%2.54%$36.17
08/30/201709/15/2017$0.2300%2.54%$36.17
05/30/201706/15/2017$0.2300%2.54%$36.17
02/27/201703/15/2017$0.2300%2.54%$36.17
11/29/201612/15/2016$0.2300%2.54%$36.17
08/30/201609/15/2016$0.2300%2.54%$36.17
05/27/201606/15/2016$0.2200%2.43%$36.17
02/26/201603/15/2016$0.2200%2.43%$36.17
11/27/201512/15/2015$0.2200%2.43%$36.17
08/28/201509/15/2015$0.2200%2.43%$36.17
05/27/201506/15/2015$0.2200%2.43%$36.17
02/25/201503/13/2015$0.2100%2.32%$36.17
11/26/201412/15/2014$0.2100%2.32%$36.17
08/27/201409/15/2014$0.2100%2.32%$36.17
05/28/201406/13/2014$0.2100%2.32%$36.17
02/26/201403/14/2014$0.2100%2.32%$36.17
11/26/201312/16/2013$0.2100%2.32%$36.17
08/28/201309/16/2013$0.2000%2.21%$36.17
05/29/201306/17/2013$0.2000%2.21%$36.17
02/27/201303/15/2013$0.2000%2.21%$36.17
11/28/201212/17/2012$0.2000%2.21%$36.17
08/29/201209/17/2012$0.2000%2.21%$36.17
05/30/201206/15/2012$0.2000%2.21%$36.17
02/28/201203/15/2012$0.2000%2.21%$36.17
11/29/201112/15/2011$0.2000%2.21%$36.17
08/30/201109/15/2011$0.2000%2.21%$36.17
05/27/201106/15/2011$0.2000%2.21%$36.17
02/25/201103/15/2011$0.2000%2.21%$36.17
11/29/201012/15/2010$0.2000%2.21%$36.17
08/30/201009/15/2010$0.2000%2.21%$36.17
05/27/201006/15/2010$0.2000%2.21%$36.17
02/25/201003/15/2010$0.2000%2.21%$36.17
11/27/200912/15/2009$0.2000%2.21%$36.17
08/28/200909/15/2009$0.2000%2.21%$36.17
05/28/200906/15/2009$0.2000%2.21%$36.17
02/25/200903/16/2009$0.2000%2.21%$36.17
11/26/200812/15/2008$0.2000%2.21%$36.17
08/27/200809/15/2008$0.2000%2.21%$36.17
05/28/200806/16/2008$0.2000%2.21%$36.17
02/27/200803/17/2008$0.2000%2.21%$36.17
11/28/200712/17/2007$0.2000%2.21%$36.17
08/29/200709/17/2007$0.2000%2.21%$36.17
05/30/200706/15/2007$0.2000%2.21%$36.17
02/27/200703/15/2007$0.1900%2.1%$36.17
11/29/200612/15/2006$0.1900%2.1%$36.17
08/30/200609/15/2006$0.1900%2.1%$36.17
05/30/200606/15/2006$0.1900%2.1%$36.17
02/27/200603/15/2006$0.1900%2.1%$36.17
11/29/200512/15/2005$0.1900%2.1%$36.17
08/30/200509/15/2005$0.1900%2.1%$36.17
05/27/200506/15/2005$0.1900%2.1%$36.17
02/25/200503/15/2005$0.1900%2.1%$36.17
11/29/200412/15/2004$0.1900%2.1%$36.17
08/30/200409/15/2004$0.1900%2.1%$36.17
05/27/200406/15/2004$0.1900%2.1%$36.17
02/26/200403/15/2004$0.1700%1.88%$36.17
11/26/200312/15/2003$0.1700%1.88%$36.17
08/27/200309/15/2003$0.1700%1.88%$36.17
05/28/200306/16/2003$0.1700%1.88%$36.17
02/26/200303/17/2003$0.1700%1.88%$36.17
11/26/200212/16/2002$0.1700%1.88%$36.17
08/28/200209/16/2002$0.1700%1.88%$36.17
05/29/200206/17/2002$0.1700%1.88%$36.17
02/27/200203/15/2002$0.1700%1.88%$36.17
11/28/200112/17/2001$0.1700%1.88%$36.17
08/29/200109/17/2001$0.1700%1.88%$36.17
05/30/200106/15/2001$0.1700%1.88%$36.17
02/27/200103/15/2001$0.1700%1.88%$36.17
11/29/200012/15/2000$0.1700%1.88%$36.17
08/30/200009/15/2000$0.1700%1.88%$36.17
05/30/200006/15/2000$0.1700%1.88%$36.17
02/28/200003/15/2000$0.1700%1.88%$36.17
08/30/199909/15/1999$0.1620%1.79%$36.17
05/27/199906/15/1999$0.1620%1.79%$36.17
02/25/199903/15/1999$0.1620%1.79%$36.17
11/27/199812/15/1998$0.1620%1.79%$36.17
08/28/199809/15/1998$0.1540%1.71%$36.17
05/28/199806/15/1998$0.1160%1.28%$36.17
02/25/199803/13/1998$0.1160%1.28%$36.17
08/28/199709/15/1997$0.1100%1.22%$36.17
05/28/199706/13/1997$0.0970%1.07%$36.17
02/26/199703/14/1997$0.0970%1.07%$36.17
08/28/199609/13/1996$0.0800%0.89%$36.17
05/29/199606/14/1996$0.0800%0.89%$36.17
02/28/199603/15/1996$0.0800%0.89%$36.17
08/30/199509/15/1995$0.0710%0.78%$36.17
05/25/199506/15/1995$0.0710%0.78%$36.17
02/27/199503/15/1995$0.0710%0.78%$36.17
08/26/199409/15/1994$0.0640%0.71%$36.17
05/25/199406/15/1994$0.0640%0.71%$36.17
02/23/199403/15/1994$0.0590%0.65%$36.17
08/26/199309/15/1993$0.0590%0.65%$36.17
05/25/199306/15/1993$0.0590%0.65%$36.17
02/23/199303/15/1993$0.0590%0.65%$36.17
09/01/199209/03/1992$0.0540%0.6%$36.17
05/26/199206/15/1992$0.0540%0.6%$36.17

Projected Future Returns & Dividends for NBTB

Based on past 6-year performance, here are NBTB growth metrics:

Share price CAGR of +2.34%
Dividend CAGR of +4.45%

Using NBTB CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

NBTB (DRIP)NBTB - No DRIP
Current Price$41.55$41.55
Start Shares240.67240.67
Start Value$10,000$10,000
  
After 10 years:
Final Share Count344.22240.67
Dividends Payment$0.53$0.53
Annual Dividends$723$506
Yield on cost7.23%5.06%
Share Price$51.16$51.16
Total Dividends$4,835$4,013
Final Value$17,609$16,325

Estimated Future Value + Dividends - NBTB

NOTE: Above numbers are our estimate based on NBTB's Dividend and Price CAGR over past 6 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

NBT Bancorp Inc. (NBTB) had its IPO on 1992-03-17, and is trader on NASDAQ stock exchange.

NBT Bancorp Inc., a financial holding company, provides commercial banking, retail banking, and wealth management services. Its deposit products include demand deposit, savings, negotiable order of withdrawal, money market deposit, and certificate of deposit accounts. The company's loan portfolio comprises commercial and industrial, commercial real estate, agricultural, and commercial construction loans; indirect and direct consumer, home equity, mortgages, business banking loans, and commercial loans; and residential real estate loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan consulting and recordkeeping services. In addition, the company offers insurance products comprising personal property and casualty, business liability, and commercial insurance, as well as other products and services through 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. As of December 31, 2021, it had 140 branches and 164 ATMs in New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Connecticut, and Maine. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York.

NBTB website: https://www.nbtbancorp.com

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