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NBTB · Nbt Bancorp Inc

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$51.75 -1.17 (-2.21%) At close · Aug 19
Market Cap
$2.77B
Shares
51.96M

Price & Indicators

Indicators
Price
Panels
Event markers
20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$51.75 Open$53.08 Day$51.62–53.09 52W close$39.27–54.26 Avg vol 30d368K Short int2.0M · 3.8% float · 4.2d Short vol74% Last earningsJul 28, 2026 DataJan 2020–Aug 2026 Filing10-Q · Aug 7

Up next

Next earnings call
Oct 28, 2026 Est · unconfirmed · in 10 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
Latest filing: 10-Q
filed Aug 7, 2026

AI Brief

TL;DR.

Bullish
    Bearish

      AI-generated from the earnings call and 8-K · may contain errors · not investment advice

      Ask ALVIS about this →

      Equibles Rating

      blended score · not investment advice
      Overall
      Buy
      SellHoldBuy
      Technical Buy Momentum Very Strong Sentiment Bearish Fundamentals Excellent Quant / Vol Very Low
      Market backdrop VIX 14.9 · calm Equity put/call 0.52
      Technical
      price trend
      Buy
      50 / 200-day cross No cross
      Price vs 200-day avg +14%
      above
      Price vs 50-day avg +2%
      above
      RSI (14) 46
      neutral
      MACD trend Negative
      52-week position 83%
      mid-range
      Momentum
      relative strength
      Very Strong
      1-month return 0%
      trailing
      6-month return +16%
      trailing
      YTD return +25%
      this year
      Relative strength +5%
      vs S&P · 6-mo
      Sentiment
      smart money
      Bearish
      Trend (MA cross) No cross
      50d $51 › 200d $45 — 50d above 200d
      Institutional flow Distributing
      -6% holders QoQ · +30 funds added
      Insider flow Distributing
      Net -$2.1M over 90 days · 100% sells
      Short interest Rising
      3.77% of float · ▲ +9.4% MoM · 4.2 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Steady
      282 holders — mid 3-yr range
      Squeeze score 61
      elevated · 0–100
      Fundamentals
      Excellent
      Revenue growth +10%
      Y/Y
      EPS growth +12%
      Y/Y
      Valuation P/E 12.9
      in line
      Balance sheet $450.9M
      net cash
      Quant / Vol
      risk profile
      Very Low
      Volatility 25%
      annualized · 1-yr
      Max drawdown −13%
      past year
      ATR 1.9%
      of price · 14-day

      Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

      Technicals

      trend & momentum for long-term holders Buy
      1 · 3 · 2
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      +14% Bullish
      Price vs 50-day avg
      +2% Bullish
      RSI (14)
      46 Neutral
      MACD trend
      Negative Bearish
      52-week position
      83% Neutral
      Market signals — smart money & positioning
      Bearish · 3 of 6
      Trend (MA cross) No cross
      50d $51 › 200d $45 — 50d above 200d
      Institutional flow Distributing
      -6% holders QoQ · +30 funds added
      Insider flow Distributing
      Net -$2.1M over 90 days · 100% sells
      Short interest Rising
      3.77% of float · ▲ +9.4% MoM · 4.2 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Steady
      282 holders — mid 3-yr range
      Price context
      position in its 52-week range
      Range low $39 Now $52 · 83% Range high $54
      vs 200-day avg +14% vs 50-day avg +2%

      Illustrative technical + ownership context — a signal mix, not investment advice.

      Key metrics

      the company's own KPIs, from written earnings releases and filings
      Metric Latest Period YoY
      Allowance for credit losses to nonperforming loans 215.13% the three months ended June 30, 2026 filing —
      Net charge-offs $4.2M the three months ended June 30, 2026 filing —
      Net interest income (FTE) non-GAAP $137.58M the three months ended June 30, 2026 filing —
      GAAP → non-GAAP reconciliation
      GAAP Net interest income 136.96M
      +614K FTE adjustment
      = Net interest income (FTE) 137.58M
      Provision for loan losses $6.1M the three months ended June 30, 2026 filing —
      Total allowance for loan losses to nonaccrual loans 223.38% the three months ended June 30, 2026 filing —
      Total nonaccrual loans to total loans 0.53% the three months ended June 30, 2026 filing —
      Total nonperforming assets $65.31M the three months ended June 30, 2026 filing —
      Total nonperforming loans $65.31M the three months ended June 30, 2026 filing —
      banking locations 173 the second quarter of 2026 —
      Net charge-offs to total average loans 15 the second quarter of 2026 —
      Net interest income on a fully taxable equivalent (“FTE”) basis $137.6M the second quarter of 2026 —
      Operating net income non-GAAP $52.9M the second quarter of 2026 —
      GAAP → non-GAAP reconciliation
      GAAP Net income 53.03M
      +0K Acquisition expenses
      +0K Acquisition-related provision for credit losses
      +0K Acquisition-related reserve for unfunded loan commitments
      -175K Securities (gains) losses
      = Operating net income 52.9M
      Period end deposits $13.54B the second quarter of 2026 —
      Period end loans $11.87B the second quarter of 2026 —
      Tangible common equity to tangible assets non-GAAP 9.16% the second quarter of 2026 —
      total risk-based capital ratio 14.18% the second quarter of 2026 —
      Net interest income on a fully taxable equivalent basis non-GAAP $134.9M first quarter of 2026 —
      Acquisition-related net accretion $7.4M Q4 FY2025 —
      Reported return on average assets 1.37% Q4 FY2025 —
      Return on average tangible common equity 17.05% Q4 FY2025 —

      Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

      Versus peers

      Banks - Regional — same industry group
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      NBTB
      Nbt Bancorp Inc
      this stock
      		$2.77B +24.6% +10.4% 12.9 3.8%
      MFG
      Mizuho Financial Group Inc
      		 $131.93B +38.5% — — 0.1%
      HDB
      Hdfc Bank Ltd
      		 $118.97B -36.6% +15.2% — 0.5%
      IBN
      Icici Bank Ltd
      		 $105.45B -1.2% — — 0.5%
      PNC
      Pnc Financial Services Group, Inc.
      		 $101.11B +18.1% +7.2% 14.0 1.8%

      Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

      At a glance

      key data from every section
      Ownership
      Institutional Holders Accumulating
      Holders
      282
      % held
      67.6%
      Net QoQ
      +2.0M sh
      Top holder
      BlackRock, Inc.
      Held Float
      View
      Held by Funds
      Fund positions
      289
      View
      Short & Settlement
      Short Interest Rising
      Shares short
      2.0M
      Days to cover
      4.2d
      Change
      +169.1K sh
      View
      Short Volume
      Short vol %
      74%
      As of
      Aug 19, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      2.3K
      Value
      $120.6K
      As of
      Jul 31, 2026
      View
      Off-Exchange
      Off-exchange %
      37.9%
      Week of
      Jul 13, 2026
      Off-exch Lit
      View
      Smart Money
      Insider Trades Net selling
      Net (90d)
      -$2.1M
      Buyers / Sellers
      0 / 5
      Buyers Sellers
      View
      Financials
      Financials
      Revenue (FY)
      $183.0M
      Net income (FY)
      $169.2M
      EPS diluted
      $3.33
      View
      Buybacks
      Authorized
      shares 2.0M
      Remaining
      shares 1.8M
      Spent Remaining
      View
      Filings
      SEC Filings
      Latest
      10-Q
      Filed
      Aug 7, 2026
      This year
      11
      View
      Proposed Sales
      Value
      $486.4K
      Shares
      9.0K
      Filed
      Jul 29, 2026
      View
      Earnings & Events
      Earnings Calls
      Last call
      Jul 28, 2026
      View

      Performance

      5D 20D 120D MTD YTD
      NBTB -3.1% +0.0% +16.4% -1.7% +24.6%
      SPY -0.4% +2.9% +11.6% +3.0% +12.8%
      vs SPY -2.7% -2.9% +4.9% -4.7% +11.9%

      Capital returns

      Latest dividend
      $0.37 / share · ex Jun 1, 2026
      Declared · upcoming
      $0.40 / share · ex Sep 1, 2026
      Raised 8.8%
      Paid (TTM)
      $1.48 / share · 4 payouts
      Dividend yield (TTM, derived)
      2.86%
      Buyback program · as of Dec 31, 2025
      Authorized
      shares 2.00M
      Spent (derived)
      shares 250,000
      Remaining
      shares 1.75M
      Spent Remaining

      Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

      Key facts CIK 790359 CUSIP 628778102 13F (30d) 251 filings 247 filers Visit website Investor relations

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