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NBT Bancorp Inc Stock: price and insider trades · United States
No insider purchase over the last 90 days. The latest was filed 29 Jan 2026.
NBT Bancorp Inc: what insiders have been doing
This page follows insider dealings at NBT Bancorp Inc as filed with SEC (Form 4), a company from the Finance & Banking sector based in Norwich, United States. The group dates from 1856. Between 18 October 2025 and 18 October 2026, 20 insiders published 37 filings.
Both sides are active: 3 purchases worth €1.2M and 4 sales worth €899k, from 1 insider and 4 insiders respectively. The net balance comes to €251k on the buying side. A purchase on the market is a deliberate choice to commit personal money, which is why it draws more attention than a grant. Biggest ticket of the year: €813k, bought by Delaney Timothy e and made public on 29 January 2026. On the buying side, the filings list 1 senior executive among the declarants.
The most recent open-market purchase was published on 29 January 2026, 262 days ago. Between a trade and the moment it shows up on SEC (Form 4), the median delay is 1 day. Section 16 rules allow two business days to file each Form 4. A sale on its own says little: insiders also sell to pay tax, fund a purchase or diversify.
Across the 5,458 companies tracked on its exchange, the median is 22 filings; at 37 filings, this issuer sits above that mark. The full history, which starts in 2016, counts 21 purchases against 31 sales. In its latest annual report filed with the SEC (10-K, fiscal year ended 31 December 2025), the company reported net income of 169.2 m USD, with a dividend of 1.42 USD per share.
For comparison within the same sector, see the insider buying recorded at First Guaranty Bancshares, Inc. and BCB Bancorp Inc. These figures are compiled from regulatory filings published by SEC (Form 4). They describe what insiders did and are not a recommendation.
Insider Decl.
302
Thresholds
n/a
Buy Volume
€3M
21 ops. · all time
Sell Volume
€10M
31 ops. · all time
Who traded when
BuySaleTimothy E. Delaney3 buys1 sale
Amy Wiles3 sales
Hoeller Heidi M3 buys
Sarah A. Halliday2 sales
Watt John H Jr2 sales
Jason David Brown1 buy
+6 other insiders
Since the insiders bought
- -1.7%Entry US$44.43 · Close at T+90 US$43.69
- +5.2%Entry US$43.32 · Close at T+365 US$45.59
- -4.4%Entry US$43.32 · Close at T+365 US$41.41
Entry is the close on the day after publication, the first price a reader could act on. Prices in the listing currency. Past moves are not a forecast.
Analyst consensus: bullish or bearish?
Analysts rate NBT Bancorp Inc Hold (neutral), based on 6 analysts. Average price target: US$57.50.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Fundamental score
Ranked 1,628 of 24,148 companies
76.9
score / 100
Value75
Quality79
FCF yld8.3%
Earn yld6.4%
EV/EBITDA·
ROE11%
Gross mgn·
Net mgn24%
Debt/EBITDA·
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2025FY ended December 2025 · cache
US$50.71
Analyst consensus
6 analystsHold
US$54.00Target US$57.50(+13%)US$62.00
Income statement
RevenueUS$694.4M
Net incomeUS$169.2M29.6% margin
Valuation
PER (trailing)12.4x
PER (forward)11.1x
P/Book1.4x
Beta0.50
Balance sheet & cash
Market capUS$2.6B
Total debtUS$179.4M
Free Cash FlowUS$218.9M
Profitability & ownership
ROE11.4%
ROA1.3%
% insiders2.8%
% institutions69.4%
Last declaration on 30 July 2026
Declarations302 total
9,000 shares@ US$54.04460.018% mcap56.1% of flowNBT Bancorp Inc. Common StockSEC:0000790359-26-000059:0
4,500 shares@ US$54.300.0092% mcap61.6% of flowNBT Bancorp Inc. Common StockSEC:0000790359-26-000060:0
9,000 shares@ US$54.04460.019% mcap100.0% of flowCommonSEC144:0001950047-26-007375
4,500 shares@ US$54.300.0093% mcap51.7% of flowCommonSEC144:0001950047-26-007393
2,100 shares@ US$48.035100.0% of flowCommonSEC144:0001950047-26-005983
1,200 shares@ US$48.0417100.0% of flowCommonSEC144:0001950047-26-006047
21,000 shares@ US$46.240.036% mcap30.5% of flowCommonSEC144:0001949846-26-000361
5,000 shares@ US$46.6048.3% of flowCommonSEC144:0001950047-26-005700
1,050 shares0NBT Bancorp Inc. Common StockSEC:0000790359-26-000051:0
1,050 shares0NBT Bancorp Inc. Common StockSEC:0000790359-26-000046:0
1,050 shares0NBT Bancorp Inc. Common StockSEC:0000790359-26-000049:0
1,050 shares0NBT Bancorp Inc. Common StockSEC:0000790359-26-000050:0
1,050 shares0NBT Bancorp Inc. Common StockSEC:0000790359-26-000047:0
2,777 shares0NBT Bancorp Inc. Common StockSEC:0001140361-26-011223:0
2,751 shares0NBT Bancorp Inc. Common StockSEC:0001140361-26-011221:0
9,125 shares0NBT Bancorp Inc. Common StockSEC:0001140361-26-011218:0
2,919 shares0NBT Bancorp Inc. Common StockSEC:0001140361-26-011217:0
4,528 shares0NBT Bancorp Inc. Common StockSEC:0001140361-26-011211:0
2,961 shares0NBT Bancorp Inc. Common StockSEC:0001140361-26-011207:0
3,275 shares0NBT Bancorp Inc. Common StockSEC:0001140361-26-011199:0
2,042 shares0NBT Bancorp Inc. Common StockSEC:0001140361-26-011203:0
2,400 shares@ US$41.300141.8% of flowNBT Bancorp Inc. Common StockSEC:0000790359-26-000026:0
22,730 shares@ US$42.9719.6% of flowNBT Bancorp Inc. Common StockSEC:0000790359-26-000010:0
Canonical exit: 28 Apr 2026 (T+90)
25 of 302 declarations
About NBT Bancorp Inc
NBT Bancorp Inc. (NASDAQ: NBTB) is a U.S.-based financial holding company headquartered in Norwich, New York, United States. The group operates primarily through NBT Bank, N.A., and a set of complementary financial-services businesses, giving it the profile of a diversified regional banking franchise rather than a single-line lender. Its core model combines retail banking, commercial banking, wealth management, trust and retirement-plan administration, and insurance, delivered through branches, ATMs, online banking, mobile channels, and telephone banking.
NBT’s roots date back to 1856, which gives the franchise unusually deep historical continuity in the northeastern U.S. banking landscape. The current holding-company structure was incorporated in 1986, and since then the company has evolved into a broader community-and-regional bank serving households, small and midsize businesses, professionals, and select commercial clients. Its geographic footprint spans New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Maine, and Connecticut, giving it meaningful exposure across the Northeast and, more specifically, strong positioning in upstate New York.
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From a competitive standpoint, NBT sits in the U.S. regional-bank segment where scale, funding mix, deposit retention, and fee-income diversification are key differentiators. The company’s product set includes deposits, residential and commercial lending, treasury management, wealth and investment services, and insurance solutions. That mix is important in a regional banking environment where net interest margin pressure can make noninterest income a valuable stabilizer. For investors, NBTB is best understood as a relationship-driven banking platform with a diversified revenue base and a long operating history.
A major recent development was the completion of the merger with Evans Bancorp, Inc. on May 2, 2025, announced on May 5, 2025. The transaction expanded NBT Bank’s network into Western New York with added offices in the Buffalo area and greater Rochester, lifting the branch footprint to 175 locations across seven states. Management highlighted the addition of more than 200 employees and over 40,000 customers from Evans. Subsequent 2025 results showed that the acquisition materially influenced loan and deposit growth, as well as fee income, while also contributing to higher operating expenses tied to integration.
For market context, NBT Bancorp is listed on the NASDAQ in the United States. Overall, NBTB presents as a mature regional U.S. banking name with a long history, a broadened footprint after the Evans transaction, and a business mix that balances lending, deposits, wealth management, and insurance.
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