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/company/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/company/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.

What drives NBTB's revenue?

Per NBT BANCORP INC's latest 10-Q filed with the SEC on 2026-08-07, the biggest revenue drivers are: Net interest income ($137.0M, +10.3% YoY); Noninterest income ($49.7M, +6.0% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/NBTB.

What are NBTB's largest expenses?

NBT BANCORP INC's latest 10-Q reports these as the largest expense items: Salaries and employee benefits ($69.0M, +7.5% YoY); Technology and data services ($11.9M, +9.7% YoY); Occupancy ($9.5M, +4.9% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

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

66.5/100

Rank #413 of 2,961 stocksTOP 25%

View Financials peers →

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

Revenue Growth

76.5/100

Profitability

91.8/100

Balance Sheet

47.4/100

Earnings Quality

50.5/100

Free Cash Flow

86.4/100

Institutional Flow

73.8/100

Revenue Scale

44.1/100

Dilution Risk

33.5/100

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Why NBTB Scores 67/100

exact factor attribution · 2026-09-11

NBTB's composite is driven by profitability and revenue growth, held back by scale and shareholder dilution. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+8.4 pts

92th pct

Revenue growth

+7.1 pts

77th pct

Free cash flow

+5.5 pts

86th pct

Earnings growth

+2.1 pts

81th pct

Institutional flow

+1.6 pts

74th pct

Earnings quality

+0.1 pts

51th pct

Capital efficiency

-0.3 pts

47th pct

Shareholder dilution

-1.1 pts

34th pct

Scale

-1.2 pts

44th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

NBTB Stock Analysis & AI Quality Score

Data updated 2026-09-11

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 66.5/100 on a 32-signal composite quality model, placing it at rank #413 of 2,961 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. NBT BANCORP INC's 13F Pro composite quality score has ranged between 27 and 67 since 2021, currently 66.5 — an improving long-term trajectory across 68 quarterly and live scoring snapshots.

✦

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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What's Driving NBTB's Business? Latest 10-Q Breakdown

AI-extracted from NBT BANCORP INC's 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.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$186.7M

Net Income

Q2 2026

$53.0M

Free Cash Flow

Q2 2026

$60.5M

Operating Margin

Q2 2026

37.0%

ROIC

Q2 2026

12.2%

D/E Ratio

Q2 2026

0.16

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+20.8% YoY

$697.0MFY 2025

FY22 $517.8MFY23 $520.4MFY24 $576.9MFY25 $697.0M

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

Free Cash Flow

+23.8% YoY

$218.9MFY 2025

FY22 $176.2MFY23 $148.2MFY24 $176.8MFY25 $218.9M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$697.0M +20.8%	$576.9M +10.9%	$520.4M +0.5%	$517.8M +8.1%	$478.9M +3.7%	$462.0M
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
Free Cash Flow	$218.9M +23.8%	$176.8M +19.3%	$148.2M -15.9%	$176.2M +16.4%	$151.4M +10.5%	$137.1M

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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.
$369.2M7,477,880 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$170.3M3,449,538 sh
STATE STREET CORP
$134.9M2,731,491 sh
DIMENSIONAL FUND ADVISORS LP
$118.8M2,406,173 sh
VANGUARD CAPITAL MANAGEMENT LLC
$111.3M2,254,925 sh
FMR LLC
$85.8M1,737,937 sh
GEODE CAPITAL MANAGEMENT, LLC
$68.8M1,393,256 sh
NORTHERN TRUST CORP
$35.5M719,022 sh
SILVERCREST ASSET MANAGEMENT GROUP LLC
$32.0M647,745 sh
VICTORY CAPITAL MANAGEMENT INC
$31.1M629,351 sh

Fund	Value	Shares
BlackRock, Inc.	$369.2M	7,477,880
VANGUARD PORTFOLIO MANAGEMENT LLC	$170.3M	3,449,538
STATE STREET CORP	$134.9M	2,731,491
DIMENSIONAL FUND ADVISORS LP	$118.8M	2,406,173
VANGUARD CAPITAL MANAGEMENT LLC	$111.3M	2,254,925
FMR LLC	$85.8M	1,737,937
GEODE CAPITAL MANAGEMENT, LLC	$68.8M	1,393,256
NORTHERN TRUST CORP	$35.5M	719,022
SILVERCREST ASSET MANAGEMENT GROUP LLC	$32.0M	647,745
VICTORY CAPITAL MANAGEMENT INC	$31.1M	629,351

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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. NBTB is classified as a mid company.

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.