NBT Bancorp (NBTB)

NBT Financial Services, Inc. • NBT Holdings, Inc. • NBT Holdings • NBT Capital Corp. • NBT Capital Corp • NBT Capital Management, Inc. • Broad Street Property Associates, Inc. • FNB Financial Services, Inc. • SBT Mortgage Service Corporation • S.B.T. Realty, Incorporated ...

IRS number

161268674

NBTB stock data

1M 3M 6M 1Y

Analyst ratings and price targets

Last 3 months

Keefe, Bruyette & Woods

Latest filings (excl ownership)

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8-K

NBT Bancorp Inc. Announces Full Year Net Income and Declares Cash Dividend

27 Jan 25

8-K

NBT Bancorp Inc. Receives Regulatory Approval, Evans Bancorp, Inc. Shareholders Approve Merger

20 Dec 24

425

Business combination disclosure

Regulation FD Disclosure

8 Nov 24

Notice of effectiveness

8 Nov 24

424B3

Prospectus supplement

7 Nov 24

S-4/A

Registration of securities issued in business combination transactions (amended)

5 Nov 24

8-K

NBT Bancorp Inc. Announces Third Quarter 2024 Results and Declares Cash Dividend

28 Oct 24

Transcripts

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NBTB

Earnings call transcript

2024 Q4

28 Jan 25

NBTB

Earnings call transcript

2024 Q3

29 Oct 24

NBTB

Earnings call transcript

2024 Q2

23 Jul 24

NBTB

Earnings call transcript

2024 Q1

23 Apr 24

NBTB

Earnings call transcript

2023 Q4

24 Jan 24

NBTB

Earnings call transcript

2023 Q3

25 Oct 23

NBTB

Earnings call transcript

2023 Q2

1 Aug 23

NBTB

Earnings call transcript

2023 Q2

1 Aug 23

NBTB

Earnings call transcript

2023 Q1

25 Apr 23

NBTB

Earnings call transcript

2022 Q4

24 Jan 23

Latest ownership filings

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JOHN H WATT JR

4 Feb 25

144

Notice of proposed sale of securities

Martin Randolph Sparks

Financial summary

Financial statements Chart NBTB financial data

Quarter (USD)	Sep 24	Jun 24	Mar 24	Dec 23
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS

Annual (USD)	Dec 23	Dec 22	Dec 21	Dec 20
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS

Cash burn rate (est.)	Burn method: Change in cash		Burn method: Operating income		Burn method: FCF (opex + capex)
	Last Q	Avg 4Q	Last Q	Avg 4Q	Last Q	Avg 4Q
Cash on hand (at last report)	482.46 mm	482.46 mm	482.46 mm	482.46 mm	482.46 mm	482.46 mm
Cash burn (monthly)	(no burn)	15.85 mm	(no burn)	(no burn)	(no burn)	(no burn)
Cash used (since last report)	n/a	67.50 mm	n/a	n/a	n/a	n/a
Cash remaining	n/a	414.96 mm	n/a	n/a	n/a	n/a
Runway (months of cash)	n/a	26.2	n/a	n/a	n/a	n/a

Beta Read what these cash burn values mean

Financial data from NBT Bancorp earnings reports.

Institutional ownership, Q3 2024

NBTB institutional ownership history Ownership history

62.2% owned by funds/institutions

13F holders	Current	Prev Q	Change
Total holders	214	182	+17.6%
Opened positions	44	20	+120.0%
Closed positions	12	25	-52.0%
Increased positions	56	53	+5.7%
Reduced positions	62	58	+6.9%

13F shares	Current	Prev Q	Change
Total value	1.27 tn	1.09 tn	+16.9%
Total shares	29.32 mm	28.71 mm	+2.1%
Total puts	19.40 k	15.00 k	+29.3%
Total calls	222.50 k	55.30 k	+302.4%
Total put/call ratio	0.1	0.3	-67.9%

Largest owners	Shares	Value	Change
BlackRock	6.88 mm	$304.36 bn	NEW
Vanguard	5.58 mm	$246.65 bn	+0.3%
Dimensional Fund Advisors	2.28 mm	$100.76 bn	-0.8%
STT State Street	2.05 mm	$90.83 bn	-1.3%
Geode Capital Management	1.12 mm	$49.48 bn	+1.0%
Deprince Race & Zollo	804.65 k	$35.59 bn	-2.9%
NTRS Northern Trust	692.56 k	$30.63 bn	+0.0%
Victory Capital Management	616.41 k	$27.26 bn	-12.4%
BK The Bank of New York Mellon Corporation	607.56 k	$26.87 bn	-3.5%
Charles Schwab Investment Management	585.64 k	$25.90 bn	+1.3%

Largest transactions	Shares	Bought/sold	Change
BlackRock	6.88 mm	+6.88 mm	NEW
BLK BlackRock	0.00	-6.76 mm	EXIT
Norges Bank	0.00	-207.61 k	EXIT
MS Morgan Stanley	494.12 k	+168.50 k	+51.7%
Eagle Asset Management	378.90 k	+163.95 k	+76.3%
ProShare Advisors	160.00 k	+152.92 k	+2159.3%
Ceredex Value Advisors	309.30 k	+89.80 k	+40.9%
Victory Capital Management	616.41 k	-86.88 k	-12.4%
BEN Franklin Resources	74.47 k	+61.45 k	+472.1%
Edgestream Partners	0.00	-51.14 k	EXIT

Data from 13F filings, for the last complete 13F reporting period. For most recent data, click the ownership history button. Values as filed, not updated for current price. Long positions only.

Recent insider trades

NBTB insider ownership history Insider history

Date	Owner	Security	Transaction	Code	Indirect	10b5-1	$Price	#Shares	$Value	#Remaining
1 Feb 25	Watt John H JR	NBT Bancorp Inc. Common Stock	Grant	Acquire A	No	No	0	210	0.00	126,464
31 Jan 25	Watt John H JR	NBT Bancorp Inc. Common Stock	Discretionary	Dispose I	Yes	No	47.9574	6,358.658	304.94 k	0
31 Jan 25	Watt John H JR	NBT Bancorp Inc. Common Stock	Payment of exercise	Dispose F	No	No	47.63	354	16.86 k	126,254
31 Jan 25	Watt John H JR	NBT Bancorp Inc. Common Stock	Grant	Acquire A	No	No	0	7,723	0.00	126,608
31 Jan 25	Watt John H JR	NBT Bancorp Inc. Common Stock	Payment of exercise	Dispose F	No	No	47.63	306	14.57 k	118,885
31 Jan 25	Watt John H JR	NBT Bancorp Inc. Common Stock	Payment of exercise	Dispose F	No	No	47.63	758	36.10 k	119,191
31 Jan 25	Watt John H JR	NBT Bancorp Inc. Common Stock	Payment of exercise	Dispose F	No	No	47.63	182	8.67 k	119,949
31 Jan 25	Watt John H JR	NBT Bancorp Inc. Common Stock	Payment of exercise	Dispose F	No	No	47.63	83	3.95 k	120,131
15 Jan 25	Burns Annette L	NBT Bancorp Inc. Common Stock	Payment of exercise	Dispose F	No	No	47.62	36	1.71 k	17,918.683
15 Jan 25	Burns Annette L	NBT Bancorp Inc. Common Stock	Payment of exercise	Dispose F	No	No	47.62	119	5.67 k	17,954.683