NBT BANCORP INC

NBTB · National Commercial Banks · 52.0M shares · +0%/yr ↑ shares · EDGAR filings ↗

Net buyback after stock comp: -$158K (gross $5M, SBC $5M)

Reference price $48.04 · est. market cap ~$2.5B — last insider sale, 2026-06-12 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)

Grade

C66

NBT Bancorp — upstate-NY/New England bank with solid revenue growth.

Strengths

Revenue +10% (82nd pct)
Diversified fee businesses

Risks

ROE 8.9% (35th), ROA (49th) average
Integration of acquisitions
Rate sensitivity

Notable findings

Exec changeRecent 8-K item 5.02 8-K ↗
Insider buyingInsider buying — 2 open-market buy(s) by 1 insider(s) (~$2M, last 6mo) Form 4 ↗
Insider sellingInsider selling — 6 open-market sale(s) by 5 insider(s) (cluster of 5 insiders, ~$2M, last 6mo) Form 4 ↗

Quarterly revenue

2018-03-31 · $30M2018-06-30 · $33M2018-09-30 · $32M2018-12-31 · $32M

Last 4 quarters · from SEC filings.

Key metrics

Net margin

92.5%

Return on equity

8.9%

Return on assets

1.1%

Revenue growth (QoQ)

-0.2%

Net-income growth

20.3%

Tangible book value

$1.4B

Stock comp / revenue

2.9%

Insider transactions · last 18 months

Date	Insider	Type	Shares	Price
2026-06-12	Sparks Martin Randolph	Sell	1.2K	$48.04
2026-06-12	Hoeller Heidi M	Sell	2.1K	$48.03
2026-06-09	WATT JOHN H JR	Sell	21K	$47.42
2026-06-05	Mahoney Ruth H	Sell	5.0K	$46.60
2026-05-19	Kowalczyk Andrew S III	Grant	1.1K	—
2026-05-19	Ames Johanna R	Grant	1.1K	—
2026-05-19	DELANEY TIMOTHY E	Grant	1.1K	—
2026-05-19	CANTELE RICHARD J JR	Grant	1.1K	—
2026-05-19	Salanger Matthew J	Grant	1.1K	—
2026-05-19	DIETRICH MARTIN A	Grant	1.1K	—
2026-05-19	Hoeller Heidi M	Grant	1.1K	—
2026-05-19	Brown Jason David	Grant	1.1K	—
2026-05-19	Robinson V Daniel II	Grant	1.1K	—
2026-05-19	NASCA DAVID J	Grant	1.1K	—
2026-05-19	WATT JOHN H JR	Grant	1.1K	—
2026-05-15	Sparks Martin Randolph	Tax withheld	361	$44.09
2026-05-15	Wiles Amy	Tax withheld	2.5K	$44.09
2026-05-15	Smaniotto Cynthia A	Tax withheld	285	$44.09
2026-05-11	Halliday Sarah A	I	4.0K	$44.82
2026-03-23	Stagliano Joseph R	Grant	4.5K	—
2026-03-23	Stagliano Joseph R	Tax withheld	246	$41.99
2026-03-23	Stagliano Joseph R	Tax withheld	789	$41.99
2026-03-23	Mahoney Ruth H	Grant	3.0K	—
2026-03-23	Mahoney Ruth H	Tax withheld	215	$41.99
2026-03-23	Mahoney Ruth H	Tax withheld	689	$41.99
2026-03-23	Mahoney Ruth H	Grant	2.5K	—
2026-03-23	Smaniotto Cynthia A	Grant	2.0K	—
2026-03-23	Smaniotto Cynthia A	Tax withheld	15	$41.99
2026-03-23	Smaniotto Cynthia A	Tax withheld	47	$41.99
2026-03-23	Smaniotto Cynthia A	Grant	212	—
2026-03-23	Burns Annette L	Grant	3.3K	—
2026-03-23	Burns Annette L	Tax withheld	21	$41.99
2026-03-23	Burns Annette L	Tax withheld	65	$41.99
2026-03-23	Burns Annette L	Grant	234	—
2026-03-23	Stagliano Joseph R	Grant	2.9K	—
2026-03-23	Halliday Sarah A	Grant	2.8K	—
2026-03-23	Halliday Sarah A	Tax withheld	221	$41.99
2026-03-23	Halliday Sarah A	Tax withheld	706	$41.99
2026-03-23	Halliday Sarah A	Grant	2.6K	—
2026-03-23	Hyle Shaunastar	Grant	2.8K	—
2026-03-23	Hyle Shaunastar	Tax withheld	191	$41.99
2026-03-23	Hyle Shaunastar	Tax withheld	612	$41.99
2026-03-23	Hyle Shaunastar	Grant	2.2K	—
2026-03-23	Kingsley Scott Allen	Grant	9.1K	—
2026-03-23	Kingsley Scott Allen	Tax withheld	125	$41.99
2026-03-23	Kingsley Scott Allen	Grant	3.5K	—
2026-03-23	Sparks Martin Randolph	Grant	2.9K	—
2026-03-23	Sparks Martin Randolph	Tax withheld	236	$41.99
2026-03-23	Sparks Martin Randolph	Tax withheld	755	$41.99
2026-03-23	Sparks Martin Randolph	Grant	2.7K	—
2026-03-23	Wiles Amy	Tax withheld	114	$41.99
2026-03-23	Wiles Amy	Grant	5.7K	—
2026-03-23	Wiles Amy	Grant	2.6K	—
2026-03-13	Sparks Martin Randolph	Sell	2.4K	$41.30
2026-02-17	Wiles Amy	Sell	4.4K	$45.72
2026-01-28	DELANEY TIMOTHY E	Buy	23K	$42.97
2026-01-28	DELANEY TIMOTHY E	Buy	23K	$42.97
2026-01-15	Kingsley Scott Allen	Tax withheld	753	$43.71
2026-01-15	Hyle Shaunastar	Tax withheld	212	$43.71
2026-01-15	Hyle Shaunastar	Tax withheld	217	$43.71
2026-01-15	Hyle Shaunastar	Tax withheld	191	$43.71
2026-01-15	Hyle Shaunastar	Tax withheld	200	$43.71
2026-01-15	Hyle Shaunastar	Tax withheld	148	$43.71
2026-01-15	Halliday Sarah A	Tax withheld	290	$43.71
2026-01-15	Halliday Sarah A	Tax withheld	341	$43.71
2026-01-15	Halliday Sarah A	Tax withheld	314	$43.71
2026-01-15	Halliday Sarah A	Tax withheld	311	$43.71
2026-01-15	Halliday Sarah A	Tax withheld	296	$43.71
2026-01-15	Sparks Martin Randolph	Tax withheld	225	$43.71
2026-01-15	Sparks Martin Randolph	Tax withheld	249	$43.71
2026-01-15	Sparks Martin Randolph	Tax withheld	268	$43.71
2026-01-15	Sparks Martin Randolph	Tax withheld	259	$43.71
2026-01-15	Mahoney Ruth H	Tax withheld	227	$43.71
2026-01-15	Mahoney Ruth H	Tax withheld	228	$43.71
2026-01-15	Mahoney Ruth H	Tax withheld	244	$43.71
2026-01-15	Mahoney Ruth H	Tax withheld	243	$43.71
2026-01-15	Stagliano Joseph R	Tax withheld	241	$43.71
2026-01-15	Stagliano Joseph R	Tax withheld	305	$43.71
2026-01-15	Stagliano Joseph R	Tax withheld	280	$43.71
2026-01-15	Stagliano Joseph R	Tax withheld	338	$43.71
2026-01-15	Stagliano Joseph R	Tax withheld	263	$43.71
2026-01-15	Smaniotto Cynthia A	Tax withheld	34	$43.71
2026-01-15	Smaniotto Cynthia A	Tax withheld	73	$43.71
2026-01-15	Smaniotto Cynthia A	Tax withheld	129	$43.71
2026-01-15	Smaniotto Cynthia A	Tax withheld	25	$43.71
2026-01-15	Smaniotto Cynthia A	Tax withheld	51	$43.71
2026-01-15	Wiles Amy	Tax withheld	317	$43.71
2026-01-15	Wiles Amy	Tax withheld	293	$43.71
2026-01-15	Wiles Amy	Tax withheld	330	$43.71
2026-01-15	Wiles Amy	Tax withheld	286	$43.71
2026-01-15	Burns Annette L	Tax withheld	69	$43.71
2026-01-15	Burns Annette L	Tax withheld	237	$43.71
2026-01-15	Burns Annette L	Tax withheld	244	$43.71
2026-01-15	Burns Annette L	Tax withheld	42	$43.71
2026-01-15	Burns Annette L	Tax withheld	119	$43.71
2026-01-15	Wiles Amy	Tax withheld	222	$43.71
2026-01-15	Kingsley Scott Allen	Tax withheld	308	$43.71
2026-01-15	Kingsley Scott Allen	Tax withheld	344	$43.71
2026-01-15	Kingsley Scott Allen	Tax withheld	614	$43.71
2025-11-06	DELANEY TIMOTHY E	Buy	7.5K	$41.00
2025-11-06	DELANEY TIMOTHY E	Buy	2.5K	$40.90
2025-10-31	DELANEY TIMOTHY E	Buy	2.0K	$40.50
2025-10-30	NASCA DAVID J	Gift	12K	—
2025-08-15	Mahoney Ruth H	Tax withheld	758	$42.13
2025-08-13	NASCA DAVID J	Sell	20K	$43.42
2025-08-01	WATT JOHN H JR	Tax withheld	2.5K	$40.56
2025-08-01	WATT JOHN H JR	Tax withheld	1.1K	$40.56
2025-08-01	WATT JOHN H JR	Tax withheld	965	$40.56
2025-08-01	WATT JOHN H JR	Tax withheld	877	$40.56
2025-08-01	WATT JOHN H JR	Tax withheld	4.5K	$40.56
2025-08-01	WATT JOHN H JR	Tax withheld	1.1K	$40.56
2025-08-01	WATT JOHN H JR	Tax withheld	839	$40.56
2025-08-01	WATT JOHN H JR	Tax withheld	1.6K	$40.56
2025-08-01	WATT JOHN H JR	Tax withheld	1.1K	$40.56
2025-08-01	WATT JOHN H JR	Tax withheld	2.0K	$40.56
2025-08-01	WATT JOHN H JR	Tax withheld	6.5K	$40.56
2025-08-01	WATT JOHN H JR	Tax withheld	2.0K	$40.56
2025-08-01	WATT JOHN H JR	Tax withheld	5.0K	$40.56
2025-08-01	WATT JOHN H JR	Tax withheld	4.0K	$40.56
2025-08-01	WATT JOHN H JR	Tax withheld	2.0K	$40.56
2025-08-01	WATT JOHN H JR	Tax withheld	935	$40.56
2025-08-01	WATT JOHN H JR	Tax withheld	5.0K	$40.56
2025-07-15	Kingsley Scott Allen	Tax withheld	361	$42.53
2025-06-03	NASCA DAVID J	Gift	1.2K	—
2025-06-03	Brown Jason David	Buy	350	$41.10
2025-05-28	WATT JOHN H JR	Sell	7.9K	$42.02
2025-05-20	Brown Jason David	Grant	1.0K	—
2025-05-20	CANTELE RICHARD J JR	Grant	1.0K	—
2025-05-20	DELANEY TIMOTHY E	Grant	1.0K	—
2025-05-20	DIETRICH MARTIN A	Grant	1.0K	—
2025-05-20	Hoeller Heidi M	Grant	1.0K	—
2025-05-20	Kowalczyk Andrew S III	Grant	1.0K	—
2025-05-20	Robinson V Daniel II	Grant	1.0K	—
2025-05-20	Salanger Matthew J	Grant	1.0K	—
2025-05-20	WATT JOHN H JR	Grant	1.0K	—
2025-05-20	Ames Johanna R	Grant	1.0K	—
2025-05-06	Hoeller Heidi M	Buy	2.6K	$42.88
2025-04-29	Hoeller Heidi M	Buy	2.6K	$43.21
2025-04-15	Sparks Martin Randolph	Tax withheld	1.1K	$39.57
2025-03-24	Kingsley Scott Allen	Grant	8.5K	—
2025-03-24	Hyle Shaunastar	Grant	2.6K	—
2025-03-24	Halliday Sarah A	Grant	2.6K	—
2025-03-24	Sparks Martin Randolph	Grant	2.7K	—
2025-03-24	Mahoney Ruth H	Grant	2.8K	—
2025-03-24	Stagliano Joseph R	Grant	4.1K	—
2025-03-24	Smaniotto Cynthia A	Grant	1.9K	—
2025-03-24	Burns Annette L	Grant	3.0K	—
2025-03-24	Wiles Amy	Grant	2.6K	—
2025-03-05	Kingsley Scott Allen	Buy	2.0K	$44.90
2025-02-25	WATT JOHN H JR	Gift	3.6K	—
2025-02-10	Halliday Sarah A	Sell	5.0K	$48.45
2025-02-07	Hoeller Heidi M	Buy	678	$48.45
2025-02-01	WATT JOHN H JR	Grant	210	—
2025-01-31	WATT JOHN H JR	Grant	7.7K	—
2025-01-31	WATT JOHN H JR	Tax withheld	306	$47.63
2025-01-31	WATT JOHN H JR	Tax withheld	182	$47.63
2025-01-31	WATT JOHN H JR	Tax withheld	758	$47.63
2025-01-31	WATT JOHN H JR	Tax withheld	83	$47.63
2025-01-31	WATT JOHN H JR	I	6.4K	$47.96
2025-01-31	WATT JOHN H JR	Tax withheld	354	$47.63
2025-01-15	Hyle Shaunastar	Tax withheld	167	$47.62
2025-01-15	Hyle Shaunastar	Tax withheld	1.1K	$47.62
2025-01-15	Hyle Shaunastar	Tax withheld	148	$47.62
2025-01-15	Hyle Shaunastar	Tax withheld	185	$47.62
2025-01-15	Halliday Sarah A	Tax withheld	309	$47.62
2025-01-15	Halliday Sarah A	Tax withheld	284	$47.62
2025-01-15	Halliday Sarah A	Tax withheld	282	$47.62
2025-01-15	Halliday Sarah A	Tax withheld	457	$47.62
2025-01-15	Halliday Sarah A	Tax withheld	259	$47.62
2025-01-15	Halliday Sarah A	Tax withheld	247	$47.62
2025-01-15	Burns Annette L	Tax withheld	237	$47.62
2025-01-15	Burns Annette L	Tax withheld	42	$47.62
2025-01-15	Burns Annette L	Tax withheld	69	$47.62
2025-01-15	Burns Annette L	Tax withheld	119	$47.62
2025-01-15	Burns Annette L	Tax withheld	36	$47.62
2025-01-15	Wiles Amy	Tax withheld	267	$47.62
2025-01-15	Wiles Amy	Tax withheld	266	$47.62
2025-01-15	Wiles Amy	Tax withheld	257	$47.62
2025-01-15	Wiles Amy	Tax withheld	1.4K	$47.62
2025-01-15	Wiles Amy	Tax withheld	201	$47.62
2025-01-15	Wiles Amy	Tax withheld	261	$47.62
2025-01-15	WATT JOHN H JR	Tax withheld	802	$47.62
2025-01-15	WATT JOHN H JR	Tax withheld	715	$47.62
2025-01-15	WATT JOHN H JR	Tax withheld	1.5K	$47.62
2025-01-15	WATT JOHN H JR	Tax withheld	647	$47.62
2025-01-15	WATT JOHN H JR	Tax withheld	651	$47.62
2025-01-15	WATT JOHN H JR	Tax withheld	781	$47.62
2025-01-15	Stagliano Joseph R	Tax withheld	244	$47.62
2025-01-15	Stagliano Joseph R	Tax withheld	264	$47.62
2025-01-15	Stagliano Joseph R	Tax withheld	266	$47.62
2025-01-15	Stagliano Joseph R	Tax withheld	1.3K	$47.62
2025-01-15	Stagliano Joseph R	Tax withheld	241	$47.62
2025-01-15	Stagliano Joseph R	Tax withheld	325	$47.62
2025-01-15	Sparks Martin Randolph	Tax withheld	217	$47.62
2025-01-15	Sparks Martin Randolph	Tax withheld	1.4K	$47.62
2025-01-15	Sparks Martin Randolph	Tax withheld	259	$47.62
2025-01-15	Sparks Martin Randolph	Tax withheld	233	$47.62
2025-01-15	Smaniotto Cynthia A	Tax withheld	25	$47.62
2025-01-15	Smaniotto Cynthia A	Tax withheld	34	$47.62
2025-01-15	Smaniotto Cynthia A	Tax withheld	51	$47.62
2025-01-15	Smaniotto Cynthia A	Tax withheld	15	$47.62
2025-01-15	Smaniotto Cynthia A	Tax withheld	73	$47.62
2025-01-15	Mahoney Ruth H	Tax withheld	198	$47.62
2025-01-15	Mahoney Ruth H	Tax withheld	243	$47.62
2025-01-15	Mahoney Ruth H	Tax withheld	1.3K	$47.62
2025-01-15	Mahoney Ruth H	Tax withheld	213	$47.62
2025-01-15	Kingsley Scott Allen	Tax withheld	656	$47.62
2025-01-15	Kingsley Scott Allen	Tax withheld	268	$47.62
2025-01-15	Kingsley Scott Allen	Tax withheld	382	$47.62
2025-01-15	Kingsley Scott Allen	Tax withheld	300	$47.62
2025-01-15	Hyle Shaunastar	Tax withheld	189	$47.62
2025-01-15	Hyle Shaunastar	Tax withheld	200	$47.62

All non-derivative Form 4 activity (SEC), newest first.

Notable events (8-K)

Date	Items
2026-05-19	Shareholder voteReg FDExhibits	filing ↗
2026-05-18	Reg FD	filing ↗
2026-05-04	Reg FD	filing ↗
2026-04-23	ResultsExhibits	filing ↗
2026-02-10	Reg FD	filing ↗
2026-01-26	ResultsExec/director changeExhibits	filing ↗
2025-11-04	Reg FD	filing ↗
2025-10-27	ResultsExhibits	filing ↗

Recent filings

Form	Filed	Period	Accession
8-K	2026-05-19	2026-05-19	0001140361-26-022087 ↗
8-K	2026-05-18	2026-05-18	0001140361-26-021913 ↗
10-Q	2026-05-08	2026-03-31	0001140361-26-020019 ↗
8-K	2026-05-04	2026-05-04	0001140361-26-018879 ↗
8-K	2026-04-23	2026-04-23	0001140361-26-016398 ↗
10-K	2026-02-27	2025-12-31	0001140361-26-007179 ↗
8-K	2026-02-10	2026-02-10	0001140361-26-004620 ↗
8-K	2026-01-26	2026-01-26	0001140361-26-002399 ↗
10-Q	2025-11-07	2025-09-30	0001140361-25-041148 ↗
8-K	2025-11-04	2025-11-04	0001140361-25-040346 ↗
8-K	2025-10-27	2025-10-27	0001140361-25-039473 ↗
8-K	2025-08-29	2025-08-29	0001140361-25-033438 ↗