WAVEMAN · COMPANY

NBTB · Nbt Bancorp Inc

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TEAM-2.62% 13F +440META+1.00% 13F +2,694RCG+0.35% CLUSTERUTHR-0.54% 13F +425CRWV+5.68% 13F +694CRM-1.97% 13F +1,019CVNA+1.58% 13F +795TPL-1.11% 13F +444NET-1.96% 13F +711MSTR-1.39% 13F +527DELL+1.50% 13F +1,204CRWD-0.87% 13F +1,383ANET+1.22% 13F +1,324COIN-4.18% 13F +475TEAM-2.62% 13F +440META+1.00% 13F +2,694RCG+0.35% CLUSTERUTHR-0.54% 13F +425CRWV+5.68% 13F +694CRM-1.97% 13F +1,019CVNA+1.58% 13F +795TPL-1.11% 13F +444NET-1.96% 13F +711MSTR-1.39% 13F +527DELL+1.50% 13F +1,204CRWD-0.87% 13F +1,383ANET+1.22% 13F +1,324COIN-4.18% 13F +475

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NBTB

Name: NBT BANCORP INC (NBTB) insider trading and ownership data
Creator: WaveMan
License: https://wave-man.com/terms

NBT BANCORP INC

BANKS · NATIONAL COMMERCIAL BANKS · CIK 0000790359

FORM 144 · 2☆ WATCH

INSIDER NET · 180D

-$2.2M

open-market buys minus sells, Form 4 codes P and S

INSIDER BUYERS · 180D

CONGRESS BUYERS · 1Y

FUNDS ADDED · QTR

133

13F, latest reported quarter

REVENUE GROWTH

+10.4%

XBRL, annual

NET MARGIN

92.5%

COMPLAINTS · 90D

- YoY · CFPB

SEVEN FACTS, RANKED AGAINST THE SECTOR · RANK IS NOT A FORECAST

INSIDERS

net -$2.2M over 180 days

-$1.9M over 90 days

below 80% of Banks

CONGRESS

no member of Congress has reported trading it

FUNDS

133 funds added or opened last quarter

more than 65% of Banks

REVENUE

+10.4% year over year

more than 71% of Banks

MARGIN

92.5% net margin

below 62% of Banks

BUYBACKS

$14.0M repurchased, FY to 2026-06-30

more than 60% of Banks

SHORT

3.8% of shares outstanding short · 4.2 days to cover · settled 2026-07-31

more than 72% of Banks

THE SITUATION · EVERY LINE IS ONE RULE OVER ONE DATASET

Insiders are net sellers: -$2.2M across 5 people in 180 days.

133 funds added or opened positions in the latest 13F quarter, of 288 holders.

The year, with the filings on it

Total return indexed to 100 over the last 12 months · every marker is a federal filing, placed at its date — hover any marker for the detail

TOTAL 12M RETURN +22.1%

+22.1%12M

INSIDER BUYINSIDER SELLFORM 144

INDEXED RETURN, DIVIDEND-ADJUSTED — NOT A PRICE CHART · LARGE TRADES DRAWN FIRST WHEN A NAME FILES HEAVILY

Live price

Daily candles from TradingView, on their licence — no filings are marked on this one

WHY THIS NAME IS ON THE DESK

Insiders have filed to sell — before selling.

The record shows a net $2.2M sold by insiders over 180 days, 133 funds added last quarter, $730.8K in planned Form 144 sales. Every figure is a federal filing, dated the day it became public.

Backtest this pattern Open the screener

Same sector, ranked by filing activity

Sector from the SEC's own SIC classification

UMBF BWFG PEBO PB FMBM GABC NEWT PCB DCOM ISBA WSBF JMSB

Insider transactions

Form 4 purchases and sales (codes P and S) — grants, option exercises and preferred conversions excluded

Over the last 180 days, NBT BANCORP INC insiders sold a net $2.2M of stock across 55 Form 4 purchases and sales, with 0 insider(s) buying. Source: SEC Form 4 filings, as of 2026-09-06.

INSIDER

FILED

VALUE

Halliday Sarah A

EVP/Chief Comm Innovation Off

SELL

2026-07-29

9,000.0

$486.4K

Mahoney Ruth H

EVP/President of Wealth Mgmt

SELL

2026-07-29

4,500.0

$244.3K

Sparks Martin Randolph

EVP,General Counsel,Secretary

SELL

2026-06-12

1,200.0

$57.6K

Hoeller Heidi M

Director

SELL

2026-06-12

2,100.0

$100.9K

WATT JOHN H JR

Director

SELL

2026-06-09

21,000.0

$995.8K

55 TRANSACTIONS ON RECORD

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Institutional holders

13F · holdings as of the latest quarter funds have reported

BlackRock, Inc.

7,477,880.0 sh

$369.2M

VANGUARD PORTFOLIO MANAGEMENT LLC

3,449,538.0 sh

$170.3M

STATE STREET CORP

2,731,491.0 sh

$134.9M

DIMENSIONAL FUND ADVISORS LP

2,406,173.0 sh

$118.8M

VANGUARD CAPITAL MANAGEMENT LLC

2,254,925.0 sh

$111.3M

SCHEDULE 13D/G

No 5%+ ownership filings

Nobody has crossed 5% with a filing obligation. Absence is a fact here, not missing data.

Planned sales · Form 144

Filed before the sale — intent, not a trade

SARAH HALLIDAY

FILED 2026-07-29

$486.4K

RUTH H MAHONEY

FILED 2026-07-29

$244.3K

Fund concentration

N-PORT · funds ranked by how much of THEMSELVES they put in this stock — the conviction number 13F cannot show

North Star Small Cap Value Fund

$512.6K POSITION · AS OF 2026-02-28

1.5%

Financial Industries Trust

$1.9M POSITION · AS OF 2026-03-31

1.5%

Financial Industries Fund

$3.9M POSITION · AS OF 2026-04-30

1.5%

Virtus Ceredex Small-Cap Value Equity Fund

$1.4M POSITION · AS OF 2026-03-31

1.4%

First Trust NASDAQ ABA Community Bank Index Fund

$783.7K POSITION · AS OF 2026-03-31

1.1%

Regional Bank Fund

$9.1M POSITION · AS OF 2026-04-30

1.0%

SEC N-PORT, MONTHLY WITH A ~60-DAY PUBLIC LAG · FUNDS ≥ $10M · % = SHARE OF THE FUND'S OWN BOOK

Executive pay vs shareholder return · Mr. Watt

DEF 14A pay-versus-performance disclosure · both the headline pay and the SEC's mark-to-market figure, beside the return the company delivered and the return of the peer group it chose itself

CEO TOTAL

ACTUALLY PAID

OTHER NEOs AVG

TSR

PEER TSR

2023

$2.5M

$793.5K

+17%

+16%

2022

$3.1M

$3.6M

$1.1M

+17%

+16%

2021

$2.8M

$3.0M

$653.7K

+1%

+25%

2020

$2.4M

$2.2M

$815.0K

-18%

-9%

TAGGED BY THE COMPANY UNDER SEC ITEM 402(v) · RETURN IS CUMULATIVE FROM THE START OF THE DISCLOSURE PERIOD · GREEN WHERE THE COMPANY BEAT ITS OWN PEER GROUP

Fundamentals

Annual figures from XBRL filings · pick a past date to see them exactly as the market knew them then — restatements and all

	2025-12	2024-12	2023-12	2022-12
REVENUE	$183.0M	$165.7M	$144.7M	$150.7M
NET INCOME	$169.2M	$140.6M	$118.8M	$152.0M
EPS (DILUTED)	3.33	2.97	2.65	3.52
OPERATING CASH FLOW	$235.2M	$188.6M	$157.5M	$183.2M
BUYBACKS	$10.2M	$251.0K	$4.9M	$14.7M
DIVIDENDS PAID	$72.6M	$62.3M	$55.9M	$49.8M

SEC XBRL · FISCAL-YEAR PERIODS · AS KNOWN ON 2026-09-06 · NOBODY ELSE SHOWS FUNDAMENTALS AS OF A PAST DATE