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NBTB NBT BANCORP INC

Trailing twelve months to 2026-06-30 · as filed 2026-08-07, not restated
Financials

Scale

Market cap
$2.7bn
Revenue TTM
$742m
Net income TTM
$214m
Free cash flow
$246m
Composite score
57.3
Sector rank
#1475

Valuation

P / E
12.4
EV / EBITDA
EV / sales
4.0
FCF yield
9.26%
Earnings yield vs 10-yr
3.35pp

Earnings yield vs 10-yr compares what the business earns per pound invested against the 4.73% a 10-year US Treasury note pays for no equity risk. Negative means you are paying up front for growth not yet delivered.

Quality and growth

Net margin
28.9%
EBITDA margin
ROE
11.0%
ROIC
Revenue growth
19.4%

Insider activity, last 90 days

Net open-market
$-2.12m
Buyers
0
Sellers
5

Open-market purchases and sales only. Grants, option exercises, gifts and shares withheld for tax are excluded: they are how people are paid, not what they think.

What management said

The allowance for credit losses as of June 30, 2026 increased compared to the allowance estimates as of March 31, 2026, primarily due to providing for loan growth and slight deterioration in the economic forecast. These increases to the allowance for credit losses were partially offset by accelerated prepayment speeds and the change in loan composition and balances including reductions driven by other consumer and residential solar portfolios that are in a planned run-off status. …NBT BANCORP INC, 10-Q, period ended 2026-06-30, filed 2026-08-07

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