NBT BANCORP INC
NBTBOther · Large accelerated filer · SEC filings ↗ · Compare ⊕
View price & chart on Yahoo Finance ↗Financials
SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | $183.0M | $165.7M | $144.7M | $150.7M | $151.0M | $140.9M |
| Operating income | — | — | — | — | — | — |
| Net income | $169.2M | $140.6M | $118.8M | $152.0M | $154.9M | $104.4M |
| Total assets | $16.00B | $13.79B | $13.31B | $11.74B | $12.01B | $10.93B |
| Total liabilities | $14.10B | $12.26B | $11.88B | $10.57B | $10.76B | $9.75B |
| Equity | $1.90B | $1.53B | $1.43B | $1.17B | $1.25B | $1.19B |
| EPS (diluted) | $3.33 | $2.97 | $2.65 | $3.52 | $3.54 | $2.37 |
| Shares out. | 47.3M | 47.2M | 42.9M | 43.2M | 43.6M | 43.8M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- 92.5%
- Return on equity
- 8.9%
- Return on assets
- 1.1%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 88.1%
- Debt / equity
- 7.44×
- Book value / share
- $40.13
- Revenue growth (YoY)
- 10.4%
- Net income growth (YoY)
- 20.3%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −0.4%clean
- Piotroski F-Score
- 5/7mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 warning● 3 good- High leverage (liabilities > 70% of assets)
- Revenue is growing year-over-year
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Vanguard Capital Management LlcPassive (13G)Apr 30, 2026
- Vanguard Portfolio Management LlcPassive (13G)Apr 29, 2026
- Vanguard Group IncPassive (13G)Mar 27, 2026
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Watt John H JrDirector | May 19, 2026 | Grant | 1,050 | $0.00 |
| Kowalczyk Andrew S IiiDirector | May 19, 2026 | Grant | 1,050 | $0.00 |
| Ames Johanna RDirector | May 19, 2026 | Grant | 1,050 | $0.00 |
| Delaney Timothy EDirector | May 19, 2026 | Grant | 1,050 | $0.00 |
| Cantele Richard J JrDirector | May 19, 2026 | Grant | 1,050 | $0.00 |
| Salanger Matthew JDirector | May 19, 2026 | Grant | 1,050 | $0.00 |
| Dietrich Martin ADirector | May 19, 2026 | Grant | 1,050 | $0.00 |
| Brown Jason DavidDirector | May 19, 2026 | Grant | 1,050 | $0.00 |
| Hoeller Heidi MDirector | May 19, 2026 | Grant | 1,050 | $0.00 |
| Robinson V Daniel IiDirector | May 19, 2026 | Grant | 1,050 | $0.00 |
| Nasca David JDirector | May 19, 2026 | Grant | 1,050 | $0.00 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 1.5M | 4.5 | +26.1% |
| Apr 30, 2026 | 1.2M | 4.7 | +18.9% |
| Apr 15, 2026 | 1.0M | 5.2 | +6.6% |
| Mar 31, 2026 | 950,659 | 3.3 | +16.2% |
| Mar 13, 2026 | 818,380 | 3.9 | +0.3% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Shareholder vote · Regulation FD disclosureMay 19, 2026
- Regulation FD disclosureMay 18, 2026
- Regulation FD disclosureMay 4, 2026
- Results of operationsApr 23, 2026
- Regulation FD disclosureFeb 10, 2026
- Results of operations · Director / officer changeJan 26, 2026
- Regulation FD disclosureNov 4, 2025
- Results of operationsOct 27, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- 4PRIMARY DOCUMENTMay 22, 2026
- 4PRIMARY DOCUMENTMay 21, 2026
- 4PRIMARY DOCUMENTMay 21, 2026
- 4PRIMARY DOCUMENTMay 21, 2026
- 3FORM 3May 21, 2026
- 4PRIMARY DOCUMENTMay 21, 2026
- 4PRIMARY DOCUMENTMay 21, 2026
- 4PRIMARY DOCUMENTMay 21, 2026
- 4PRIMARY DOCUMENTMay 21, 2026
- 4PRIMARY DOCUMENTMay 21, 2026
- 4PRIMARY DOCUMENTMay 21, 2026
- 4PRIMARY DOCUMENTMay 21, 2026
- 4PRIMARY DOCUMENTMay 21, 2026
- 8-KMay 19, 2026
- 8-KMay 18, 2026
Event-driven situations (2)
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