NBT BANCORP INC(NBTB)— Stock Profile, AI Score & Financials
Financials · Nasdaq · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
NBT BANCORP INC (NBTB) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores NBTB at 66.5/100 on a 32-signal composite quality model, placing it at rank #411 of 2,960 stocks — the top 25% of the AI-ranked universe. NBTB scores in the top quartile across profitability (91.8), free cash flow (86.4), revenue growth (76.5). Shareholder dilution risk is elevated at 33.5/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), NBT BANCORP INC reports quarterly revenue of $186.7M, net income of $53.0M, an operating margin of 37.0%. Top institutional holders of NBTB by reported 13-F value include BlackRock, VANGUARD PORTFOLIO MANAGEMENT, STATE STREET, based on the most recent SEC filings. NBTB trades on the Nasdaq exchange and files with the SEC under CIK 790359. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate NBTB daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for NBT BANCORP INC directly from SEC EDGAR.
AI Quality Score
66.5/100
AI Rank
#411
Revenue
$186.7M
Net Income
$53.0M
Free Cash Flow
$60.5M
Operating Margin
37.0%
NBTB key financials by period
NBT BANCORP INC reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$697.0M
$169.2M
31.5%
FY 2024
10-K
$576.9M
$140.6M
31.1%
FY 2023
10-K
$520.4M
$118.8M
29.5%
FY 2022
10-K
$517.8M
$152.0M
37.9%
FY 2021
10-K
$478.9M
$154.9M
41.7%
FY 2020
10-K
$462.0M
$104.4M
28.8%
Institutions holding NBTB
Institutional investors reporting a position in NBT BANCORP INC on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-08-07 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Net income surged 136% YoY to $53.0M in Q2 2026 as NIM expanded 14 bps YoY to 3.73% despite $6.1M provision for loan losses.
Biggest Revenue Drivers
Net interest income$137.0M+10.3% YoY
Increased primarily due to Evans acquisition (added $1.95B earning assets May 2025) and organic growth; FTE NIM expanded 14 bps YoY to 3.73%.
Noninterest income$49.7M+6.0% YoY
Driven by increases in retirement plan admin fees (higher activity-based fees and new customers), service charges, and card services income from Evans acquisition.
Biggest Revenue Drivers
Net interest income$137.0M+10.3% YoY
Increased primarily due to Evans acquisition (added $1.95B earning assets May 2025) and organic growth; FTE NIM expanded 14 bps YoY to 3.73%.
Noninterest income$49.7M+6.0% YoY
Driven by increases in retirement plan admin fees (higher activity-based fees and new customers), service charges, and card services income from Evans acquisition.
Largest Expense Items
Salaries and employee benefits$69.0M+7.5% YoY
Increased due to Evans acquisition, annual merit pay increases, higher medical expenses, and additional payroll days.
Technology and data services$11.9M+9.7% YoY
Evans acquisition, timing of planned activities, and ongoing investment in enterprise technology initiatives.
Occupancy$9.5M+4.9% YoY
Additional expenses from Evans acquisition and higher facilities costs related to new banking locations.
Margins: FTE net interest margin expanded 14 bps YoY to 3.73%, benefiting from lower deposit costs (down 27 bps YoY) and the Evans acquisition accretion of $5.7M, partially offset by lower loan yields (down 7 bps YoY) due to Fed rate cuts.
Watch Items from the Filing
Nonperforming loans increased to $65.3M (0.55% of total loans) at June 30, 2026 from $51.7M (0.45%) at year-end 2025, driven by higher commercial nonaccrual loans.
Allowance for credit losses decreased to 1.18% of loans at June 30, 2026 from 1.19% at year-end 2025, and coverage of nonperforming loans declined to 215% from 267%, signaling tighter reserves.
Loan-to-deposit ratio increased to 87.7% at June 30, 2026 from 85.9% at year-end 2025, indicating rising asset growth outpacing deposit growth.
Company redeemed $25.0M of 3.50% subordinated debt on June 30, 2026, which was scheduled to convert to floating rate (SOFR + 280 bps) in Q2 2026.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
