NBTB NBT Bancorp (NBTB) Insider Trading, Ownership & Congress Trades
Banks · National commercial banks · CIK 0000790359
Form 144 · 2
Insider buyers, 180 days
0
House members buying, 1 year
0
STOCK Act, US House only, disclosed up to 45 days after the trade
Funds added, last quarter
132
13F, latest reported quarter
What the filings say about NBTB
Insiders, 180 days
-$2.1M net sold
5 sellers · 0% of sales under a 10b5-1 plan
Planned sales (Form 144), 90 days
$730.8K
2 notices
NBT Bancorp insider trades (Form 4)
Form 4 buys and sells (codes P and S). Grants, option exercises
and conversions excluded.
Over the last 180 days, NBT BANCORP INC insiders sold a net $2.1M of stock across 54 Form 4 purchases and sales, with no insider buying. Source: SEC Form 4 filings, as of 2026-10-28.
Insider
Filed
Shares
Value
Since filing
Context
- 2 earlier Form 4 trades (code P or S) here by this insider (2 sales), the last on Feb 10, 2025.
- The trade is 40.8% of the 22,054 shares held after it.
- 1 other insider sold within 30 days.
- 132 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: EVP/Chief Comm Innovation Off Halliday Sarah A sold about $486.4K of NBTB on Jul 29, 2026; 1 other insider sold within 30 days and 132 funds added in the latest 13F quarter.Context
- 1 earlier Form 4 trade (code P or S) here by this insider (1 sale), the last on Jun 5, 2026.
- The trade is 37.7% of the 11,927 shares held after it.
- 1 other insider sold within 30 days.
- 132 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: EVP/President of Wealth Mgmt Mahoney Ruth H sold about $244.3K of NBTB on Jul 29, 2026; 1 other insider sold within 30 days and 132 funds added in the latest 13F quarter.Context
- 2 earlier Form 4 trades (code P or S) here by this insider (2 sales), the last on Mar 13, 2026.
- The trade is 8.3% of the 14,462 shares held after it.
- 3 other insiders sold within 30 days.
- 132 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: EVP,General Counsel,Secretary Sparks Martin Randolph sold about $57.6K of NBTB on Jun 12, 2026; 3 other insiders sold within 30 days and 132 funds added in the latest 13F quarter.Context
- 5 earlier Form 4 trades (code P or S) here by this insider (5 buys), the last on May 6, 2025.
- -3.2% median (-5.2% mean) 90-day return after 5 previous buys.
- The trade is 18.2% of the 11,560 shares held after it.
- 3 other insiders sold within 30 days.
- 132 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: Director Hoeller Heidi M sold about $100.9K of NBTB on Jun 12, 2026; 3 other insiders sold within 30 days and 132 funds added in the latest 13F quarter.Context
- 3 earlier Form 4 trades (code P or S) here by this insider (3 sales), the last on May 28, 2025.
- The trade is 38.9% of the 54,010 shares held after it.
- 3 other insiders sold within 30 days.
- 132 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: Director WATT JOHN H JR sold about $995.8K of NBTB on Jun 9, 2026, the largest insider sale at the company since 2024; 3 other insiders sold within 30 days and 132 funds added in the latest 13F quarter.54 transactions on record
Since filing: total return from the first close after the filing to the latest close, dividend-adjusted. Not a forecast.
Context lines are counts over the filings above and returns from our own price history, never a price level. Not investment advice.
Seven facts, ranked against the sector ·
Rank is not a forecast
Insiders
net -$2.1M over 180 days
-$730.8K over 90 days
below 81% of Banks
Congress
no House purchase disclosed in the last 12 months
Funds
132 funds bought in last quarter
more than 65% of Banks
Revenue
+10.4% year over year
more than 72% 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 interest
5.3% of the float short (float per yahoo 2026-10-26) · 6.8 days to cover · settled 2026-09-30
more than 80% of Banks
What changed in the last 30 days
Oct 28Insider selling stopped: no sales in 90 days after 6 in the prior 90
Why it matters
The absence is the signal: 6 sales in one 90-day window and none in the next is a change of behaviour, not a filing.
Watch NBTB
A free account keeps a watchlist and can send one email a day when insiders, funds or Congress file on the names in it. No password and no card.
The year, with the filings on it
Total return over 12 months. Each marker is a filing; hover or tap one for the detail.
+35.2%12M
Insider buyInsider sellForm 144 (planned sale)
Indexed to 100, dividend-adjusted, not a price chart.
When a name files heavily, the largest trades are drawn first.
Who owns NBTB: institutional holders (13F)
13F holdings, latest reported quarter
7,477,880 sh
$369.2M
3,449,538 sh
$170.3M
2,731,491 sh
$134.9M
2,406,173 sh
$118.8M
2,254,925 sh
$111.3M
Congress trades in NBTB
No Congress trades reported
No House member has disclosed a trade in this stock. See what Congress is buying.
Activist and 5% holders (13D/13G)
No 5%+ ownership filings
Nobody has filed for crossing 5%. That is a fact, not missing data.
NBTB planned insider sales (Form 144)
Notice of intent to sell, filed before any sale
SARAH HALLIDAY
Filed 2026-07-29
$486.4K
RUTH H MAHONEY
Filed 2026-07-29
$244.3K
NBTB mutual fund holders (N-PORT)
Funds ranked by the share of their own portfolio in this stock (N-PORT).
Financial Industries Trust
$2.2M position · as of 2026-06-30
1.7%
Financial Industries Fund
$4.8M position · as of 2026-07-31
1.7%
North Star Small Cap Value Fund
$554.9K position · as of 2026-05-31
1.6%
Virtus Ceredex Small-Cap Value Equity Fund
$1.7M position · as of 2026-06-30
1.5%
Regional Bank Fund
$10.9M position · as of 2026-07-31
1.1%
ProShares Russell 2000 Dividend Growers ETF
$6.9M position · as of 2026-05-31
1.1%
SEC N-PORT, monthly, about 60 days late · funds ≥ $10M ·
% is the share of the fund's own portfolio
Executive pay vs shareholder return · Mr. Watt
CEO pay, headline and as actually paid, against the company's
return and its chosen peers' (DEF 14A).
FY
CEO total
Actually paid
Other execs, avg
TSR
Peer TSR
2023
$2.5M
$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). Returns are
cumulative from the start of the disclosure period. Green where the company beat its own peer group.
Live price
Daily candles from TradingView, under their licence. No filings marked.
Why this name is on the desk
Insiders have filed to sell, before selling.
The record shows a net $2.1M sold by insiders over 180 days, 132 funds added last quarter, $730.8K in planned Form 144 sales. Each figure is a federal filing, dated the day it went public.
NBTB financials
Revenue growth
+10.4%
XBRL, annual
Net margin
92.5%
Complaints, 90 days
20
- YoY · CFPB
Ratios from the company's XBRL filings, latest filings
Revenue, TTM
$126.0M
four quarters, 2018-01-01 to 2018-12-31
Revenue, TTM NBTB
| FY Dec 2025 | $126.0M |
| FY Dec 2024 | $126.0M |
| FY Dec 2023 | $126.0M |
| FY Dec 2022 | $126.0M |
| FY Dec 2021 | $126.0M |
| Jun 2026 | n/a |
| Mar 2026 | n/a |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Single quarter
Net margin, TTM
+169.9%
net income over revenue, 2025-07-01 to 2026-06-30
Net margin, TTM NBTB
| FY Dec 2025 | +134.3% |
| FY Dec 2024 | +111.6% |
| FY Dec 2023 | +94.3% |
| FY Dec 2022 | +120.6% |
| FY Dec 2021 | +122.9% |
| Jun 2026 | n/a |
| Mar 2026 | n/a |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Single quarter
Free cash flow, TTM
$245.6M
operating cash flow minus capex, 2025-07-01 to 2026-06-30
Free cash flow, TTM NBTB
| FY Dec 2025 | $218.9M |
| FY Dec 2024 | $176.8M |
| FY Dec 2023 | $148.2M |
| FY Dec 2022 | $176.2M |
| FY Dec 2021 | $151.4M |
| Jun 2026 | $60.5M |
| Mar 2026 | $48.6M |
| Dec 2025 | $62.1M |
| Sep 2025 | $74.3M |
| Jun 2025 | $44.1M |
| Mar 2025 | $38.3M |
| Dec 2024 | $45.5M |
| Sep 2024 | $47.8M |
At each fiscal year end
Single quarter
Debt to equity
0.20x
long-term 2018-12-31 (91 months older than the period end) plus current 2026-06-30; equity 2026-06-30
Debt to equity NBTB
| FY Dec 2025 | 0.12x |
| FY Dec 2024 | 0.16x |
| FY Dec 2023 | 0.32x |
| FY Dec 2022 | 0.56x |
| FY Dec 2021 | 0.14x |
| Jun 2026 | 0.20x |
| Mar 2026 | 0.10x |
| Dec 2025 | 0.12x |
| Sep 2025 | 0.11x |
| Jun 2025 | 0.10x |
| Mar 2025 | 0.10x |
| Dec 2024 | 0.16x |
| Sep 2024 | 0.18x |
At each fiscal year end
Trailing four quarters at each quarter end
Cash flow to debt
0.67x
TTM operating cash flow over long-term 2018-12-31 (91 months older than the period end) plus current 2026-06-30
Cash flow to debt NBTB
| FY Dec 2025 | 1.06x |
| FY Dec 2024 | 0.80x |
| FY Dec 2023 | 0.34x |
| FY Dec 2022 | 0.28x |
| FY Dec 2021 | 0.93x |
| Jun 2026 | 0.67x |
| Mar 2026 | 1.29x |
| Dec 2025 | 1.06x |
| Sep 2025 | 1.03x |
| Jun 2025 | 1.02x |
| Mar 2025 | 1.22x |
| Dec 2024 | 0.80x |
| Sep 2024 | 0.63x |
At each fiscal year end
Trailing four quarters at each quarter end
Return on equity
+11.4%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on equity NBTB
| FY Dec 2025 | +9.9% |
| FY Dec 2024 | +9.5% |
| FY Dec 2023 | +9.1% |
| FY Dec 2022 | +12.5% |
| FY Dec 2021 | +12.7% |
| Jun 2026 | +11.4% |
| Mar 2026 | +10.6% |
| Dec 2025 | +9.9% |
| Sep 2025 | +8.9% |
| Jun 2025 | +8.2% |
| Mar 2025 | +9.5% |
| Dec 2024 | +9.5% |
| Sep 2024 | +9.4% |
At each fiscal year end
Trailing four quarters at each quarter end
Return on assets
+1.3%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on assets NBTB
| FY Dec 2025 | +1.1% |
| FY Dec 2024 | +1.0% |
| FY Dec 2023 | +0.9% |
| FY Dec 2022 | +1.3% |
| FY Dec 2021 | +1.4% |
| Jun 2026 | +1.3% |
| Mar 2026 | +1.2% |
| Dec 2025 | +1.1% |
| Sep 2025 | +1.0% |
| Jun 2025 | +0.9% |
| Mar 2025 | +1.1% |
| Dec 2024 | +1.0% |
| Sep 2024 | +1.0% |
At each fiscal year end
Trailing four quarters at each quarter end
Return on invested capital
n/a
fewer than four consecutive quarters of operating income
Return on invested capital NBTB
| FY Dec 2025 | n/a |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | n/a |
| Jun 2026 | n/a |
| Mar 2026 | n/a |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Trailing four quarters at each quarter end
Return on capital employed
n/a
fewer than four consecutive quarters of operating income
Return on capital employed NBTB
| FY Dec 2025 | n/a |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | n/a |
| Jun 2026 | n/a |
| Mar 2026 | n/a |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Trailing four quarters at each quarter end
P/E, trailing
12.96x
close 2026-10-26 over four quarters of diluted EPS, 2025-07-01 to 2026-06-30
P/E, trailing NBTB
| FY Dec 2025 | 12.54x |
| FY Dec 2024 | 16.14x |
| FY Dec 2023 | 15.76x |
| FY Dec 2022 | 12.34x |
| FY Dec 2021 | 10.88x |
| Jun 2026 | 12.04x |
| Mar 2026 | 12.10x |
| Dec 2025 | 12.54x |
| Sep 2025 | 13.92x |
| Jun 2025 | 15.00x |
| Mar 2025 | 14.21x |
| Dec 2024 | 16.14x |
| Sep 2024 | 15.57x |
At each fiscal year end
Trailing four quarters at each quarter end
Enterprise value
$1.8B
market value at close 2026-10-26 on 2026-07-31 shares, plus long-term 2018-12-31 (91 months older than the period end) plus current 2026-06-30, minus cash 2021-09-30
Enterprise value NBTB
| FY Dec 2025 | $1.0B |
| FY Dec 2024 | $1.1B |
| FY Dec 2023 | $1.1B |
| FY Dec 2022 | $1.2B |
| FY Dec 2021 | $495.3M |
| Jun 2026 | $1.6B |
| Mar 2026 | $1.1B |
| Dec 2025 | $1.0B |
| Sep 2025 | $1.1B |
| Jun 2025 | $804.1M |
| Mar 2025 | $840.4M |
| Dec 2024 | $1.1B |
| Sep 2024 | $1.0B |
At each fiscal year end
Trailing four quarters at each quarter end
FCF yield
+8.9%
TTM free cash flow over market value at close 2026-10-26
FCF yield NBTB
| FY Dec 2025 | +10.1% |
| FY Dec 2024 | +7.8% |
| FY Dec 2023 | +7.5% |
| FY Dec 2022 | +9.5% |
| FY Dec 2021 | +9.1% |
| Jun 2026 | +9.6% |
| Mar 2026 | +10.3% |
| Dec 2025 | +10.1% |
| Sep 2025 | +9.2% |
| Jun 2025 | +9.0% |
| Mar 2025 | +8.9% |
| Dec 2024 | +7.8% |
| Sep 2024 | +7.9% |
At each fiscal year end
Trailing four quarters at each quarter end
PEG, trailing
0.27x
P/E over trailing EPS growth of 48%: four quarters to 2026-06-30 against the four to 2025-06-30
PEG, trailing NBTB
| FY Dec 2025 | 1.06x |
| FY Dec 2024 | 1.43x |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | 0.22x |
| Jun 2026 | 0.25x |
| Mar 2026 | 0.73x |
| Dec 2025 | 1.06x |
| Sep 2025 | 2.47x |
| Jun 2025 | 2.04x |
| Mar 2025 | 0.86x |
| Dec 2024 | 1.43x |
| Sep 2024 | n/a |
At each fiscal year end
Trailing four quarters at each quarter end
Price as of 2026-10-26. Hover or tap a tile for its yearly and quarterly history.
Method
TTM is four consecutive fiscal quarters; Q4 is the year minus nine months when not filed. Returns use the average of opening and closing balances. EBIT is approximated by operating income. PEG uses trailing EPS growth.
Fundamentals
Annual figures from XBRL filings. Pick a past date to see them as known then.
| 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 years, as known on 2026-10-28
NBTB Stock Sonar score 6/7 axes
Find similar shapesCompareNBTB ranks highest on growth (72nd percentile) and profitability (69th), and lowest on insider conviction (9th), among Banks peers.
6 of 7 axes scored. Each is a percentile against sector peers (all companies when the sector is thin); higher is better. An unscored axis is unmeasured, not low. How it is scored
NBTB filings, in plain words
Are NBT Bancorp insiders buying or selling NBTB?
In the 180 days to 2026-10-28, NBT Bancorp insiders were net sellers, a net $2.1M across purchases and sales reported on Form 4, by 5 sellers.
Are there planned insider sales of NBTB?
Yes. 2 Form 144 notices of planned insider sales were filed in the 90 days to 2026-10-28, covering $730.8K of stock; the latest, by SARAH HALLIDAY, was filed 2026-07-29.
Read the full summary
In the 180 days to 2026-10-28, NBT Bancorp insiders were net sellers of NBTB, a net $2.1M across purchases and sales reported on Form 4 by 5 sellers. None of the 6 insider sales was flagged as made under a Rule 10b5-1 plan. Insiders filed 2 Form 144 notices of intent to sell in the 90 days to 2026-10-28, covering $730.8K of stock. Each figure is counted from SEC and House filings as of 2026-10-28, dated the day the filing was made public.
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