What is the 13F Pro Quality Score for NBTB?

13F Pro ranks NBT BANCORP INC (NBTB) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View NBTB's current score at https://13fpro.ai/research/NBTB (free sign-up required for the full ranking).

Which hedge funds own the most NBTB stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of NBTB include BlackRock,, VANGUARD PORTFOLIO MANAGEMENT, STATE STREET. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/NBTB as soon as new 13F filings post.

Where does 13F Pro source NBTB data?

All NBT BANCORP INC fundamentals and ownership data come directly from SEC EDGAR. NBT BANCORP INC files with the SEC under CIK 790359. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is NBTB in?

NBT BANCORP INC (NBTB) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is NBTB research updated on 13F Pro?

NBTB's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

NBT BANCORP INC(NBTB)Stock Analysis

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13F Pro Quality Score

34.6/100

Rank #2,186 of 2,879 stocks

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

30.0/100

Profitability

30.0/100

Balance Sheet

43.1/100

Earnings Quality

60.9/100

Free Cash Flow

30.0/100

Institutional Flow

47.2/100

Revenue Scale

30.0/100

Dilution Risk

34.6/100

NBTB Stock Analysis & AI Quality Score

AI stock analysis and institutional research for NBT BANCORP INC (NBTB), a Financials sector company. 13F Pro's AI-powered ranking engine scores NBTB at 34.6/100 on a 32-signal composite quality model, placing it at rank #2,186 of 2,879 stocks — the bottom half of the AI-ranked universe. Areas of concern include revenue growth (30.0) and profitability (30.0), which score below median versus the broader universe. Shareholder dilution risk is elevated at 34.6/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q4 2025), NBT BANCORP INC reports quarterly revenue of $185.1M, net income of $55.5M, an operating margin of 37.6%. 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. NBT BANCORP INC's 13F Pro composite quality score has ranged between 8 and 58 since 2021, currently 34.6 — an improving long-term trajectory across 56 quarterly and live scoring snapshots.

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Fun facts about NBT BANCORP INC

Quirks, history, and lore behind NBTB — the kind of stuff that makes a stock memorable.

1
The Basics
A regional bank holding company · community banking focus · listed on Nasdaq · headquartered in upstate New York.
2
The Numbers
Total assets in the range of $12–13 billion — solidly mid-size — with a network of roughly 150 branches spread across New York, Pennsylvania, Vermont, and Massachusetts.
3
The History
Founded in the late 19th century in a small city best known for being the birthplace of the Norwich Pharmacal Company — banking and small-town America, hand in hand for well over 100 years.
4
The Secret
It has quietly grown through acquisitions of smaller community banks across the Northeast, turning a single-county institution into a multi-state franchise without ever chasing Wall Street fame.
5
The Lore
Its home base, Norwich, New York, has a population of under 10,000 — making it one of the smallest cities to serve as headquarters for a publicly traded bank of its size in the country.
6
The Giveaway
The ticker is practically a confession: four letters, two of them 'B', for a bank whose full name is two initials followed by the word Bancorp — headquartered on Harford Street in Norwich, NY.

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Revenue

Q4 2025

$185.1M

Net Income

Q4 2025

$55.5M

Free Cash Flow

Q4 2025

$62.1M

Operating Margin

Q4 2025

37.6%

ROIC

Q4 2025

3.7%

D/E Ratio

Q4 2025

0.08

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+10.4% YoY

$183.0MFY 2025

FY22 $150.7MFY23 $144.7MFY24 $165.7MFY25 $183.0M

Net Income

+20.3% YoY

$169.2MFY 2025

FY22 $152.0MFY23 $118.8MFY24 $140.6MFY25 $169.2M

EPS (Diluted)

+12.1% YoY

$3.33FY 2025

FY22 $3.52FY23 $2.65FY24 $2.97FY25 $3.33

Total Assets

+16.0% YoY

$16.00BFY 2025

FY22 $11.74BFY23 $13.31BFY24 $13.79BFY25 $16.00B

Total Debt

-9.1% YoY

$148.1MFY 2025

FY22 $585.0MFY23 $386.7MFY24 $162.9MFY25 $148.1M

Op. Cash Flow

+24.7% YoY

$235.2MFY 2025

FY22 $183.2MFY23 $157.5MFY24 $188.6MFY25 $235.2M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$183.0M +10.4%	$165.7M +14.5%	$144.7M -3.9%	$150.7M -0.2%	$151.0M +7.2%	$140.9M
Net Income	$169.2M +20.3%	$140.6M +18.4%	$118.8M -21.9%	$152.0M -1.9%	$154.9M +48.4%	$104.4M
EPS (Diluted)	$3.33 +12.1%	$2.97 +12.1%	$2.65 -24.7%	$3.52 -0.6%	$3.54 +49.4%	$2.37
Total Assets	$16.00B +16.0%	$13.79B +3.6%	$13.31B +13.4%	$11.74B -2.3%	$12.01B +9.9%	$10.93B
Total Debt	$148.1M -9.1%	$162.9M -57.9%	$386.7M -33.9%	$585.0M +498.2%	$97.8M -41.9%	$168.4M
Operating Cash Flow	$235.2M +24.7%	$188.6M +19.8%	$157.5M -14.1%	$183.2M +15.1%	$159.2M +9.6%	$145.3M

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Available Research

13F Pro tracks comprehensive data for NBT BANCORP INC including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of NBTB

BlackRock, Inc.
$315.1M7,400,090 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$148.0M3,475,187 sh
STATE STREET CORP
$105.9M2,486,293 sh
DIMENSIONAL FUND ADVISORS LP
$99.3M2,330,975 sh
VANGUARD CAPITAL MANAGEMENT LLC
$95.9M2,253,115 sh
GEODE CAPITAL MANAGEMENT, LLC
$56.6M1,329,788 sh
SILVERCREST ASSET MANAGEMENT GROUP LLC
$29.5M692,782 sh
NORTHERN TRUST CORP
$29.1M683,481 sh
VICTORY CAPITAL MANAGEMENT INC
$28.5M669,852 sh
CHARLES SCHWAB INVESTMENT MANAGEMENT INC
$26.2M615,587 sh

Fund	Value	Shares
BlackRock, Inc.	$315.1M	7,400,090
VANGUARD PORTFOLIO MANAGEMENT LLC	$148.0M	3,475,187
STATE STREET CORP	$105.9M	2,486,293
DIMENSIONAL FUND ADVISORS LP	$99.3M	2,330,975
VANGUARD CAPITAL MANAGEMENT LLC	$95.9M	2,253,115
GEODE CAPITAL MANAGEMENT, LLC	$56.6M	1,329,788
SILVERCREST ASSET MANAGEMENT GROUP LLC	$29.5M	692,782
NORTHERN TRUST CORP	$29.1M	683,481
VICTORY CAPITAL MANAGEMENT INC	$28.5M	669,852
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	$26.2M	615,587

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Is NBTB a good stock to buy?

13F Pro's AI-powered analysis of NBT BANCORP INC (NBTB) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for NBTB are available on the NBTB stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own NBTB?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling NBTB. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of NBT BANCORP INC's investment landscape.