Skip to main content
Equibles
NBTB logo

NBTB · Nbt Bancorp Inc

Track NBTB — free Ask ALVIS about NBTB
$53.43 -0.84 (-1.54%)
Market Cap
$2.82B
Shares
52.01M

Price & Indicators

Indicators
Price
Panels
Event markers
20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$54.26 Open$53.45 Day$52.45–54.50 52W$38.51–54.50 Avg vol 30d429K Short int1.8M · 3.4% float · 5.2d Short vol78% Last earningsJul 28, 2026 DataJan 2020–Jul 2026 Filing10-Q · May 8

Up next

Next earnings call
Oct 27, 2026 Est · unconfirmed · in 13 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
Latest filing: 10-Q
filed May 8, 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
      Strong Buy
      SellHoldBuy
      Technical Buy Momentum Very Strong Sentiment Neutral Fundamentals Excellent Quant / Vol Low
      Market backdrop VIX 20.7 · elevated Equity put/call 0.61
      Technical
      price trend
      Buy
      50 / 200-day cross No cross
      Price vs 200-day avg +22%
      above
      Price vs 50-day avg +11%
      above
      RSI (14) 73
      overbought
      MACD trend Positive
      52-week position 98%
      near high
      Volume (OBV) Confirms
      volume backs price
      Momentum
      relative strength
      Very Strong
      1-month return +10%
      trailing
      6-month return +19%
      trailing
      YTD return +32%
      this year
      Relative strength +13%
      vs S&P · 6-mo
      Sentiment
      smart money
      Neutral
      Trend (MA cross) No cross
      50d $49 › 200d $44 — 50d above 200d
      Institutional flow Accumulating
      71 of 298 funds reported for Jun 30 · net +55.6K sh shares · +8 new
      Insider flow Distributing
      Net -$2.1M over 90 days · 100% sells
      Short interest Rising
      3.44% of float · ▲ +16.2% MoM · 5.2 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      298 holders — near 3-yr high, broad support
      Squeeze score 82
      high risk · 0–100
      Fundamentals
      Excellent
      Revenue growth +10%
      Y/Y
      EPS growth +12%
      Y/Y
      Valuation P/E 15.3
      in line
      Balance sheet $599.0M
      net cash
      Quant / Vol
      risk profile
      Low
      Volatility 25%
      annualized · 1-yr
      Max drawdown −12%
      past year
      ATR 2.3%
      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 · 2 · 4
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      +22% Bullish
      Price vs 50-day avg
      +11% Bullish
      RSI (14)
      73 Bearish
      MACD trend
      Positive Bullish
      52-week position
      98% Bullish
      Volume (OBV)
      Confirms Neutral
      Market signals — smart money & positioning
      Mixed
      Trend (MA cross) No cross
      50d $49 › 200d $44 — 50d above 200d
      Institutional flow Accumulating
      71 of 298 funds reported for Jun 30 · net +55.6K sh shares · +8 new
      Insider flow Distributing
      Net -$2.1M over 90 days · 100% sells
      Short interest Rising
      3.44% of float · ▲ +16.2% MoM · 5.2 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      298 holders — near 3-yr high, broad support
      Price context
      position in its 52-week range
      52-wk low $39 Now $54 · 98% 52-wk high $55
      vs 200-day avg +22% vs 50-day avg +11%

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

      Key metrics

      the company's own KPIs, from its earnings releases, calls, and filings
      Metric Latest Period YoY
      Acquisition-related net accretion $7.4M Q4 FY2025 —
      Net interest margin (FTE) non-GAAP 3.65% Q4 FY2025 —
      Operating diluted earnings per share non-GAAP $1.05 Q4 FY2025 —
      Reported return on average assets 1.37% Q4 FY2025 —
      Reserve for unfunded loan commitments $5.8M Q4 FY2025 —
      Return on average tangible common equity 17.05% Q4 FY2025 —
      Tangible book value per share non-GAAP $26.54 Q4 FY2025 —
      Tangible equity to assets non-GAAP 8.95% Q4 FY2025 —

      Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file

      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
      		$2.82B +31.8% +10.4% 15.3 3.4%
      HDB
      Hdfc Bank Ltd
      		 $123.39B -34.2% +15.2% — 0.4%
      MFG
      Mizuho Financial Group Inc
      		 $119.51B +34.0% — — 0.1%
      IBN
      Icici Bank Ltd
      		 $106.74B -0.1% — — 0.6%
      PNC
      Pnc Financial Services Group, Inc.
      		 $99.78B +20.0% +7.2% 14.4 1.7%

      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
      302
      % held
      57.2%
      Reported
      71 of 298
      Top holder
      BlackRock, Inc.
      Held Float
      View
      Held by Funds
      Fund positions
      279
      View
      Short & Settlement
      Short Interest Rising
      Shares short
      1.8M
      Days to cover
      5.2d
      Change
      +249.9K sh
      View
      Short Volume
      Short vol %
      78%
      As of
      Jul 29, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      3
      Value
      $152
      As of
      Jul 14, 2026
      View
      Off-Exchange
      Off-exchange %
      35.8%
      Week of
      May 4, 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
      8-K
      Filed
      Jul 27, 2026
      This year
      10
      View
      Proposed Sales
      Value
      $244.4K
      Shares
      4.5K
      Filed
      Jul 29, 2026
      View
      Earnings & Events
      Earnings Calls
      Last call
      Jul 28, 2026
      View

      Performance

      5D 20D 120D MTD YTD
      NBTB +4.9% +9.9% +18.8% +9.9% +31.8%
      SPY -2.4% -2.3% +6.3% -2.3% +7.0%
      vs SPY +7.3% +12.2% +12.5% +12.2% +24.9%

      Capital returns

      Latest dividend
      $0.37 / share · ex Mar 2, 2026
      Raised 8.8%
      Paid (TTM)
      $1.11 / share · 3 payouts
      Dividend yield (TTM, derived)
      2.05%
      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) 67 filings 67 filers Visit website Investor relations

      Report a Problem

      Category
      Description
      Email (optional, for follow-up)