# NBT Bancorp Inc: overview

NBTB · Nasdaq · CIK 790359 · [Financials](/sectors/financials.md) · fiscal year ends Dec 31

Pages: [Overview](/companies/nbtb.md) · [Financials](/companies/nbtb/financials.md) · [Filings](/companies/nbtb/filings.md) · [Insiders](/companies/nbtb/insiders.md)

Latest reported revenue: [$31.6m](/filings/0001140361-21-006657.md) for Q4 FY2018, three months to 2018-12-31, from the 10-K filed Mar 1, 2021 (XBRL us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax, accession 0001140361-21-006657).

## Last eight quarters

| Line item | Unit | Q3 FY2024 (2024-09-30) | Q4 FY2024 (2024-12-31) | Q1 FY2025 (2025-03-31) | Q2 FY2025 (2025-06-30) | Q3 FY2025 (2025-09-30) | Q4 FY2025 (2025-12-31) | Q1 FY2026 (2026-03-31) | Q2 FY2026 (2026-06-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Revenue | $m | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Gross margin | % | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Operating margin | % | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Net margin | % | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Diluted EPS | $ per share | [0.80](/filings/0001140361-25-041148.md) | not reported | [0.77](/filings/0001140361-26-020019.md) | [0.44](/filings/0001140361-26-031820.md) | [1.03](/filings/0001140361-25-041148.md) | not reported | [0.98](/filings/0001140361-26-020019.md) | [1.02](/filings/0001140361-26-031820.md) |
| Free cash flow | $m | [47.8 d](/filings/0001140361-25-041148.md) | [45.5 d](/filings/0001140361-26-007179.md) | [38.3](/filings/0001140361-26-020019.md) | [44.1 d](/filings/0001140361-26-031820.md) | [74.3 d](/filings/0001140361-25-041148.md) | [62.1 d](/filings/0001140361-26-007179.md) | [48.6](/filings/0001140361-26-020019.md) | [60.5 d](/filings/0001140361-26-031820.md) |

- Revenue. XBRL not reported.
- Gross margin (gross profit / revenue). XBRL not reported.
- Operating margin (operating income / revenue). XBRL not reported.
- Net margin (net income / revenue). XBRL Net income: us-gaap:NetIncomeLoss. Derived values: 12-month figure less the 9-month figure.
- Diluted EPS. XBRL Diluted EPS: us-gaap:EarningsPerShareDiluted.
- Free cash flow (operating cash flow − capital expenditure). XBRL Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities; Capital expenditure: us-gaap:PaymentsToAcquireProductiveAssets. Derived values: 9-month figure less the 6-month figure; 12-month figure less the 9-month figure; 6-month figure less the 3-month figure.

## Last five fiscal years

| Line item | Unit | FY2021 (2021-12-31) | FY2022 (2022-12-31) | FY2023 (2023-12-31) | FY2024 (2024-12-31) | FY2025 (2025-12-31) |
| --- | --- | ---: | ---: | ---: | ---: | ---: |
| Revenue | $m | [151](/filings/0001140361-24-010464.md) | [151](/filings/0001140361-25-006528.md) | [145](/filings/0001140361-26-007179.md) | [166](/filings/0001140361-26-007179.md) | [183](/filings/0001140361-26-007179.md) |
| Gross margin | % | not reported | not reported | not reported | not reported | not reported |
| Operating margin | % | not reported | not reported | not reported | not reported | not reported |
| Net margin | % | [102.6%](/filings/0001140361-24-010464.md) | [100.9%](/filings/0001140361-25-006528.md) | [82.1%](/filings/0001140361-26-007179.md) | [84.9%](/filings/0001140361-26-007179.md) | [92.5%](/filings/0001140361-26-007179.md) |
| Diluted EPS | $ per share | [3.54](/filings/0001140361-24-010464.md) | [3.52](/filings/0001140361-25-006528.md) | [2.65](/filings/0001140361-26-007179.md) | [2.97](/filings/0001140361-26-007179.md) | [3.33](/filings/0001140361-26-007179.md) |
| Free cash flow | $m | [151](/filings/0001140361-24-010464.md) | [176](/filings/0001140361-25-006528.md) | [148](/filings/0001140361-26-007179.md) | [177](/filings/0001140361-26-007179.md) | [219](/filings/0001140361-26-007179.md) |

- Revenue. XBRL Revenue: us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax.
- Gross margin (gross profit / revenue). XBRL Revenue: us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax.
- Operating margin (operating income / revenue). XBRL Revenue: us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax.
- Net margin (net income / revenue). XBRL Net income: us-gaap:NetIncomeLoss; Revenue: us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax.
- Diluted EPS. XBRL Diluted EPS: us-gaap:EarningsPerShareDiluted.
- Free cash flow (operating cash flow − capital expenditure). XBRL Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities; Capital expenditure: us-gaap:PaymentsToAcquireProductiveAssets.

Each value links to the filing it came from. d marks a derived value. A ratio is not reported when any input is missing.

## Insider purchases and sales

The last 20 open-market transactions on Form 4 (codes P and S). Reported price is as stated on the form, not a market price. [All insider transactions](/companies/nbtb/insiders.md)

None in coverage.

## Funds that report holding it

From each manager’s latest Form 13F, largest reported value first. Reported value is as filed: filing data, not a price. [All funds](/funds.md)

| Fund | Quarter ended | Reported value | Shares | Put or call | Change on the quarter before |
| --- | --- | ---: | ---: | --- | --- |
| [BlackRock, Inc.](/funds/2012383.md) | 2026-06-30 | $369.2m | 7,477,880 |  | Added +77,790 |
| [VANGUARD PORTFOLIO MANAGEMENT LLC](/funds/2100121.md) | 2026-06-30 | $170.3m | 3,449,538 |  | Reduced −25,649 |
| [STATE STREET CORP](/funds/93751.md) | 2026-06-30 | $134.9m | 2,731,491 |  | Added +245,198 |
| [DIMENSIONAL FUND ADVISORS LP](/funds/354204.md) | 2026-06-30 | $118.8m | 2,406,173 |  | Added +75,198 |
| [VANGUARD CAPITAL MANAGEMENT LLC](/funds/2100119.md) | 2026-06-30 | $111.3m | 2,254,925 |  | Added +1,810 |
| [FMR LLC](/funds/315066.md) | 2026-06-30 | $85.8m | 1,737,937 |  | Added +1,607,445 |
| [GEODE CAPITAL MANAGEMENT, LLC](/funds/1214717.md) | 2026-06-30 | $68.8m | 1,393,256 |  | Added +63,468 |
| [NORTHERN TRUST CORP](/funds/73124.md) | 2026-06-30 | $35.5m | 719,022 |  | Added +35,541 |
| [SILVERCREST ASSET MANAGEMENT GROUP LLC](/funds/1232395.md) | 2026-06-30 | $32.0m | 647,745 |  | Reduced −45,037 |
| [VICTORY CAPITAL MANAGEMENT INC](/funds/1040188.md) | 2026-06-30 | $31.1m | 629,351 |  | Reduced −40,501 |

## Recent filings

[All 1,568 filings](/companies/nbtb/filings.md)

| Filed | Accepted | Form | What it is | Accession |
| --- | --- | --- | --- | --- |
| 2026-10-27 | 16:30 ET | [8-K](/filings/0001140361-26-040897.md) | 2.02 Results of operations; 9.01 Financial statements and exhibits | 0001140361-26-040897 |
| 2026-09-21 | 16:15 ET | [8-K](/filings/0001140361-26-037240.md) | 5.02 Departure or appointment of officers or directors; 9.01 Financial statements and exhibits | 0001140361-26-037240 |
| 2026-09-08 | 16:30 ET | [8-K](/filings/0001140361-26-035922.md) | 7.01 Regulation FD disclosure | 0001140361-26-035922 |
| 2026-08-07 | 16:04 ET | [10-Q](/filings/0001140361-26-031820.md) | Quarterly report, period 2026-06-30 | 0001140361-26-031820 |
| 2026-07-27 | 16:30 ET | [8-K](/filings/0001140361-26-029754.md) | 2.02 Results of operations; 9.01 Financial statements and exhibits | 0001140361-26-029754 |
| 2026-05-19 | 16:30 ET | [8-K](/filings/0001140361-26-022087.md) | 5.07 Shareholder vote results; 7.01 Regulation FD disclosure; 9.01 Financial statements and exhibits | 0001140361-26-022087 |
| 2026-05-18 | 16:32 ET | [8-K](/filings/0001140361-26-021913.md) | 7.01 Regulation FD disclosure | 0001140361-26-021913 |
| 2026-05-08 | 16:01 ET | [10-Q](/filings/0001140361-26-020019.md) | Quarterly report, period 2026-03-31 | 0001140361-26-020019 |
| 2026-05-04 | 16:30 ET | [8-K](/filings/0001140361-26-018879.md) | 7.01 Regulation FD disclosure | 0001140361-26-018879 |
| 2026-04-23 | 16:30 ET | [8-K](/filings/0001140361-26-016398.md) | 2.02 Results of operations; 9.01 Financial statements and exhibits | 0001140361-26-016398 |

## Latest annual report

[Form 10-K for the fiscal year ended Dec 31, 2025](/filings/0001140361-26-007179.md), filed Feb 27, 2026.

## Forecast league

Not in this season’s league. [This season’s league](/leagues.md)

## About the filer

- CIK: 790359
- Tickers: NBTB
- Exchange: Nasdaq
- SIC code: 6021 National Commercial Banks
- State of incorporation: DE
- Filer category: Large accelerated filer

Source: SEC EDGAR, XBRL company facts, the filing index and Forms 4. Last ingested by Listed: Oct 27, 2026, 16:32 ET. No prices; not investment advice.