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Up 34% in a year while the S&P 500 rose 12%.
“The increase in net interest income from the second quarter of 2026 was driven by organic growth in average loans”
| The chart | Above every average |
| Latest filing | 10-Q, Nov 6 |
NBT Bancorp filed an 8-K reporting a change of CEO
NBTB closed −0.7% the next session (Sep 22).
Tue Dec 1: Ex-dividend, $0.40 a shareAt the open. Pays Dec 15.
After its last 4 reports it closed -1.3% on average, higher 1 of 4 times.
Above Averagefor quality, not price, 5 of 14 chart checks firingWhat the Quality Score means
NBTB is #10 of 168 by Quality Score.
| Rank | Stock | Quality Score |
|---|---|---|
| 1 | ||
| 2 | ||
| 3 | ||
| Open for its score | ||
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| Open for its score | ||
| 10 |
Cash and short-term investments: NBTB $322M, PRK $1.76B.
Expected to report Mon Jan 25, after the close (in 76 days).
What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.
The figures are not read from the release yet.
“The increase in net interest income from the second quarter of 2026 was driven by organic growth in average loans, one additional day in the third quarter of 2026 and a $1.5 million increase in purchase accounting accretion.”
NBTB's results filing gives no sales by line in a table we read.
No outlook figures read from this release.
“The decrease in the provision for loan losses during the quarter was primarily due to a lower level of loan growth compared to the prior quarter and a decrease in the allowance for loan losses.”
From its results filing (SEC filing · Oct 27)
Sales grew 5.4% a year over 5 years, fiscal 2020 to 2025.
Pays $1.60 a share a year.
| Reported | Gap | Reaction | 5 days |
|---|---|---|---|
| Oct 27, 2026 | +0.0% | -1.7% | -0.5% |
| Jul 27, 2026 | -0.6% | +2.1% | +0.7% |
| Apr 23, 2026 | -4.5% | -4.5% | -3.5% |
Sales grew in five of the last seven years, to $183M in 2025. It made a profit in each of the eight years.
RSI 57.0, MACD above signal, above both averages. Not scored.
Its dividends come to 38% of its free cash flow.
| Dividend | $1.60 a share a year |
| Paid out | About $82.9M a year |
| Free cash flow | $219M |
| Record | Raised every year since 2017 |
5 insiders sold $2.1M across 6 filings in the last 6 months. No open-market buys on record. The newest:
One trade disclosed in the last six months. The newest:
Officers and directors with a Form 4 in the last 12 months.
In ETFs: NBTB is under 0.1% of VIG, under 0.1% of VYM, and under 0.1% of VTI, the most of the 24 funds Breakaway covers, by each fund's latest filing, Jun 30 to Jul 31, 2026.
NBT Bancorp Inc is a financial holding company that operates through its subsidiaries. The company's principal sources of revenue include management fees and dividends it receives through its subsidiaries. Its business, predominantly conducted through NBT Bank, consists of providing commercial banking, retail banking, and wealth management services to customers in its market area, which includes upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. The company's reportable segments are Banking and Retirement Plan Administration. A majority of its revenue is generated from the Banking segment.
“The financial services industry, including commercial banking, is highly competitive, and we encounter strong competition for deposits, loans and other financial products and services in our market area.”
NBTB scores 14 today, which Breakaway calls Above Average. It is #10 of 168 in Banks by Quality Score, with 5 of 14 chart checks firing. Up 34% in a year while the S&P 500 rose 12%. Shares: 10.3% more than a year ago (to Dec 31). Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.
NBTB scores 14 today, which Breakaway calls Above Average (11 to 14). That is #10 of 168 in Banks by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind NBTB's 14.
5 insiders sold $2.1M across 6 filings in the last 6 months. No open-market buys on record. The newest is Sarah A. Halliday, EVP/Chief Comm Innovation Off, who sold $486K on Jul 29. Every filing, with the scored weight, for Pro members.
Only on the public pages, which run at least 15 minutes behind. Pro members, and anyone on a guest pass, see real-time prices: the scanner refreshes every 15 seconds, and your watchlist every few seconds, pre-market and after hours included.
Insider and Congress trades, the chart, and the financials, in one score.
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