NBT Bancorp Inc. (NBTB)

In the past six months, NBT Bancorp's stock has been influenced by key events, including strong third-quarter 2025 earnings, driven by the acquisition of Evans Bancorp. The company increased its quarterly cash dividend, and a director acquired 10,000 shares, signaling insider confidence. Over the past 52 weeks, NBTB's stock price has experienced a change of -12.41%, with a 52-week range between $37.31 and $49.18. Monthly adjusted prices show fluctuations between July 2025 and January 2026.

NBT Bancorp experiences some demand seasonality, particularly concerning seasonal municipal deposits in the first quarter. Ending deposits have historically declined from the third quarter to the fourth quarter, consistent with seasonal expectations. The banking industry can generally experience fluctuations related to economic cycles, holidays, and tax seasons.

NBT Bancorp Inc. is a financial holding company based in Norwich, New York, operating primarily through NBT Bank, N.A., and two financial services companies. NBT Bank, N.A. offers personal banking, commercial banking, and wealth management services, including various deposit and loan products. Additionally, NBT Bancorp provides trust and investment services, financial planning, life insurance services, and retirement plan administration through EPIC Retirement Plan Services and NBT Insurance Agency, LLC.

NBT Bancorp has a significant presence across the northeastern United States, with NBT Bank, N.A. operating through over 170 banking locations in multiple states. The merger with Evans Bancorp, Inc. expanded NBT's footprint into Western New York, including Buffalo and Rochester. The company also pursues organic expansion, opening new banking locations in Vermont and New York.

NBT Bancorp has maintained a strong brand reputation, with NBT Bank recognized as one of Forbes' World's Best Banks and consistently recognized as a "Best Place to Work" across its banking footprint. The company demonstrates a strong commitment to corporate responsibility, contributing significantly through philanthropy and volunteerism. The NBT iSelect Account has received certification for meeting the Bank On National Account Standards since its inception.

NBT Bancorp's ownership is predominantly held by institutional investors, reflecting strong market confidence. Major institutional shareholders include BlackRock, Inc., The Vanguard Group, Inc., and State Street Corp. Mutual funds also represent a substantial portion of ownership. Insider ownership remains relatively low, though insider buying has exceeded selling in the past three months.