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NBT Bancorp

NBTB

NBT Bancorp Inc. is a financial holding company that provides a comprehensive suite of commercial banking, retail banking, and wealth management services.

Market cap
$2.75B+28.7%
Revenue$742.4M+19.4%
Net income$214.2M+60.6%
EPS (diluted)$4.10+48.0%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 26, 2026 (in 3 months)
Revenue estimate$193.7M
EPS estimate$1.09

Financials

Q2 2026

Income statement

See full
Revenue$186.7M+9.1%
Net income$53.0M+136%
EPS (diluted)$1.02+132%

Balance sheet

See full
Cash & equivalents$187.2M-65.4%
Total debt$316.4M+180%
Total equity$1.9B+7.7%
Total assets$16.2B+1.2%

Valuation & ratios

Valuation

See full
Market cap$2.74B+28.7%
Enterprise value$2.87B+67.9%
P/E12.8×-3.2×
P/S3.7×+0.3×

Profitability

See full
Net margin28.8%+7.4pp

Returns & leverage

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Return on equity11.4%+3.3pp
Debt / equity0.2×+0.1×

Competitors

Profile

NBT Bancorp Inc. is a financial holding company that provides a comprehensive suite of commercial banking, retail banking, and wealth management services. Operating primarily through its community-oriented subsidiary, NBT Bank, the company serves individuals, corporations, and municipalities across the Northeastern United States. Its core value proposition centers on local decision-making and specialized financial services tailored to the specific needs of its regional markets.

Competitive position

A leading community-oriented regional bank in the Northeast that leverages local market knowledge and specialized lending to compete against larger national institutions.

GeographiesNew York, Pennsylvania, New Hampshire, Massachusetts, Vermont, Maine, Connecticut
Customer segmentsConsumer, SME, Municipal, Institutional
Business modelInterest-spread banking, Fee-based financial services, Asset management, B2B services
SuppliersFederal Reserve System, Federal Home Loan Bank of New York, Technology and data service providers, Depositors
CustomersHomebuyers, Small business owners, Municipal governments, Corporate retirement plan participants, Insurance policyholders
Listed1992
Employees2.0K
CEOScott A. Kingsley
FilingsSEC EDGAR

FAQ

What is NBT Bancorp's market cap?
NBT Bancorp (NBTB) has a market capitalization of $2.8B and trades on NASDAQ.
What is NBT Bancorp's revenue and profitability?
NBT Bancorp generated $742.4M in trailing twelve-month revenue with net income of $214.2M, representing a net margin of 28.8%. These figures are based on the Q2 2026 filing.
Who are NBT Bancorp's competitors?
NBT Bancorp's key competitors include JPMorgan Chase & Co., KeyCorp, M&T Bank Corporation, and others. These companies compete in similar markets and product categories.
Who does NBT Bancorp partner with?
NBT Bancorp's notable partners include LinkedIn, FHLB of New York, Habitat for Humanity, and others.
What subsidiaries does NBT Bancorp have?
NBT Bancorp's subsidiaries include NBT Bank, National Association, EPIC Advisors, Inc., NBT Insurance Agency, LLC, and others.
Where is NBT Bancorp headquartered?
NBT Bancorp is headquartered in United States of America and employs approximately 2,034 people. It has been publicly traded since 1992.