NBT Bancorp Inc. (NBTB)

NBT Bancorp's stock price was $46.65 as of February 6, 2026, with a 52-week high of $49.18 and a low of $37.31, showing a 13.92% change over 26 weeks. The acquisition of Evans Bancorp in May 2025 added $1.67 billion in loans and $1.86 billion in deposits. NBT Bancorp reported strong fourth-quarter 2025 earnings with net income of $55.5 million and diluted EPS of $1.06, surpassing estimates, although the stock price declined slightly. The company declared a first-quarter 2026 cash dividend of $0.37 per share, marking its thirteenth consecutive year of dividend increases.

NBT Bancorp experiences some demand seasonality, particularly in its deposit products, with increases in savings and money market deposit accounts due to seasonal municipal inflows during the first quarter of 2022. Fluctuations in economic conditions and local economies can significantly impact the demand for the company's products and services, as well as customers' ability to repay loans and the value of collateral.

NBT Bancorp Inc. is a financial holding company operating primarily through NBT Bank, N.A., offering personal and commercial banking, and wealth management services. The bank's deposit products include various accounts, while its loan portfolio covers consumer, home equity, mortgages, and commercial loans. NBT Bancorp also provides trust and investment services, financial planning, life insurance, and retirement plan administration through its financial services companies and insurance products through NBT Insurance Agency, leveraging online, mobile, and telephone channels for customer service.

NBT Bank, N.A. operates through digital channels and over 170 banking locations across seven states, including New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Maine, and Connecticut. The merger with Evans Bank is expected to add 18 locations in New York. EPIC Retirement Plan Services is based in Rochester, NY, with additional locations in St. Louis, MO, Peoria, IL, and Portland, ME. The TPA Experts has locations in New Gloucester, ME, Bedford, NH, and West Des Moines, IA. NBT Insurance Agency is based in Norwich, NY.

NBT Bancorp's brand reputation has been positively influenced by its strong financial performance and strategic growth initiatives, including record net revenues in 2025. The seamless integration of the Evans Bancorp merger and consistent dividend increases for thirteen consecutive years have also contributed positively. There were no significant negative events affecting the company's brand reputation in the past year.

Institutional investors and hedge funds collectively owned over 58% or approximately 49.71% or over 50% of NBT Bancorp stock as of July 2025. Major institutional shareholders include BlackRock, Inc., Vanguard Group Inc., and State Street Corp. Mutual funds hold 38.19% as of March 2025. Insider ownership is relatively low, at 1.59% as of April 2025 or 2.56%, while the general public holds a 34% stake as of July 2024.