Touchstone
Last syncNov 1, 2026, 6:55 PM ET

NBTB

Nbt Bancorp Inc Financials National Commercial Banks Russell 3000
$52.19Close $3.1BMarket cap $38.30 – $53.8452-week range Jan 26, 2027Next report · estimated

Highlights

Strengths

  • In a stage-2 uptrend all 8 trend conditions pass
  • Near its high 3% below its 52-week high
  • Earnings growing EPS +129% year on year, faster than the quarter before (+103 pts)

Price

Filing Results Screen pick 52-week high and low Adjusted prices

Key figures

FY to Dec 31, 2025 · filed Aug 7, 2026
Off 12-month high 3%
1wk down 1.3% price change
1mo up 4.0% price change
12-month return up 33% market up 11% · its own up 24%
F-score — — Not assessed
Altman Z — Unknown
P/E 18.2× price / earnings
PEG 1.49 P/E / EPS growth
P/B 1.6× price / book
Earnings yield — EBIT / enterprise value
Cheaper than — of the market · not assessed
Revenue growth up 10% year on year
EPS growth up 129% latest quarter · +103 pts
Sales growth up 9% latest quarter · -10 pts
ROE up 10% return on equity
Free cash margin —
D/E 0.01 long-term debt / equity
Net debt / EBITDA —
Interest cover —EBIT / interest
Piotroski tests

Repair signals

  • Long-term debt down 80% ($0.1B → $0.0B)

Trade setup

ATR% 1.9% $0.97 a day · 2×ATR $50.26
RS 70 / 99 vs the universe
Trend 8 / 8 trend template
Relative volume 0.9× vs 50-day average
Up/down volume 0.88 50 sessions
Implied move — no scheduled report
Trend template · 8 of 8

Screen verdict

Did not qualify for any screen.

Warning signs

1 flagged
  • Shareholders diluted The share count rose 9.5% over the year, from 54m to 59m shares. Each existing share owns a smaller fraction of the company than it did a year ago.
Last reported Oct 27, 2026
Results reaction Oct 27, 2026-3% vs market2 sessions after results

Financials

6 fiscal years · from filings
Revenue What customers paid the company over its fiscal year, before any cost, as filed in its annual report. The change is against the year before. Methodology $183.0M +10% on FY2024
$0 $200M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $140.9M FY2021 · $151.0M FY2022 · $150.7M FY2023 · $144.7M FY2024 · $165.7M FY2025 · $183.0M
Net income Profit left after every cost, interest and tax for the year. A column below the line is a loss. Methodology $169.2M +20% on FY2024
$0 $200M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $104.4M FY2021 · $154.9M FY2022 · $152.0M FY2023 · $118.8M FY2024 · $140.6M FY2025 · $169.2M
Margins Each as a share of revenue. Gross: left after the direct cost of what was sold. Net: left after every cost. Free cash: free cash flow over revenue. A margin rising over years means the business keeps more of each dollar it sells. Methodology
  • Net 93%
0% 200% FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Net 74% FY2021 · Net 103% FY2022 · Net 101% FY2023 · Net 82% FY2024 · Net 85% FY2025 · Net 93%
Cash and long-term debt Cash on the balance sheet at the year's end beside debt due after a year. Net cash is cash less that debt; net debt is the shortfall. Debt some filers do not tag shows as a gap, not as zero. Methodology
  • Cash
  • Long-term debt
$0 $2B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Cash $672.7M FY2021 · Cash $1.3B FY2022 · Cash $197.3M FY2023 · Cash $205.2M FY2024 · Cash $284.1M · Long-term debt $123.0M FY2025 · Cash $487.1M · Long-term debt $25.0M
Shares outstanding Shares in issue at the year's end. A rising count means each share owns a smaller slice of the company (stock pay, share sales); a falling one, buybacks. The chart's scale is fitted to the count, so a small change looks large: read the percentage. Methodology 59.08m +19.0% since FY2020
59.08m 49.65m FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · 49.65m FY2021 · 49.65m FY2022 · 49.65m FY2023 · 53.97m FY2024 · 53.97m FY2025 · 59.08m
  FY2020Dec 31, 2020 FY2021Dec 31, 2021 FY2022Dec 31, 2022 FY2023Dec 31, 2023 FY2024Dec 31, 2024 FY2025Dec 31, 2025
Revenue $140.9M $151.0M $150.7M $144.7M $165.7M $183.0M
Net income $104.4M $154.9M $152.0M $118.8M $140.6M $169.2M
Net margin 74% 103% 101% 82% 85% 93%
Earnings per share $2.37 $3.54 $3.52 $2.65 $2.97 $3.33
Cash $672.7M $1.3B $197.3M $205.2M $284.1M $487.1M
Long-term debt — — — — $123.0M $25.0M
Shareholders' equity $1.2B $1.3B $1.2B $1.4B $1.5B $1.9B
Shares outstanding 49.65m 49.65m 49.65m 53.97m 53.97m 59.08m

Filings

SEC EDGAR
FiledReportPeriod to Lag
Aug 7, 2026 Quarterly ↗ Jun 30, 2026 38d
May 8, 2026 Quarterly ↗ Mar 31, 2026 38d
Feb 27, 2026 Annual ↗ Dec 31, 2025 58d
Nov 7, 2025 Quarterly ↗ Sep 30, 2025 38d
Aug 8, 2025 Quarterly ↗ Jun 30, 2025 39d
May 9, 2025 Quarterly ↗ Mar 31, 2025 39d
Feb 28, 2025 Annual ↗ Dec 31, 2024 59d
Nov 8, 2024 Quarterly ↗ Sep 30, 2024 39d
Aug 9, 2024 Quarterly ↗ Jun 30, 2024 40d
May 9, 2024 Quarterly ↗ Mar 31, 2024 39d
Feb 29, 2024 Annual ↗ Dec 31, 2023 60d
Nov 9, 2023 Quarterly ↗ Sep 30, 2023 40d

Current reports

FiledDisclosed
Oct 27, 2026 Results ↗
Sep 21, 2026 Director or officer change ↗
Sep 8, 2026 Regulation FD ↗
Jul 27, 2026 Results ↗
May 19, 2026 Shareholder vote · Regulation FD ↗
May 18, 2026 Regulation FD ↗
May 4, 2026 Regulation FD ↗
Apr 23, 2026 Results ↗
Feb 10, 2026 Regulation FD ↗
Jan 26, 2026 Results · Director or officer change ↗
Nov 4, 2025 Regulation FD ↗
Oct 27, 2025 Results ↗