NBT Bancorp Inc.
S&P 1500NBTB/Financial Services · Banks - Regional/NASDAQ
Dividend Yield
2.81%
$1.51 · Annual Dividend
Dividend Safety Rating
NBTB's dividend appears very safe. Strengths include a 36.0% earnings payout ratio & 33.1% fcf payout ratio. The dividend has been growing at a 5.63% 5-year CAGR. As a financial company, some traditional cash flow metrics are less applicable. The score focuses on earnings-based coverage and profitability.
Based on 9 of 10 metrics
Strengths
- Earnings Payout Ratio: 36.0%Low earnings payout ratio leaves room to grow the dividend.
- FCF Payout Ratio: 33.1%Free cash flow comfortably covers the dividend.
- Operating Margin: 40.1%Healthy operating margin provides a wide buffer.
Risks
No material risks identified across rated metrics.
Payout & Coverage
Very SafeBalance Sheet
N/AProfitability
SafeDividend Track Record
Very SafeAbout NBT Bancorp Inc.
NBT Bancorp Inc. is a financial holding company that primarily engages in delivering comprehensive banking services. Serving communities primarily in the Northeastern United States, it operates over 150 banking locations, focusing on providing personal and business banking services, including savings, checking accounts, and lending products. NBT Bancorp also offers wealth management services, including trust and investment management. A critical part of its function is to support both consumer and commercial clients with customized financial solutions to meet their personal and business needs. The company's operations have a significant impact on the regional economy, supporting local businesses and contributing to community development. In the financial markets, NBT Bancorp Inc. represents a stable regional banking entity characterized by its commitment to personalized service and local engagement. Founded in 1856 and headquartered in Norwich, New York, it maintains a robust position in the community banking sector, embodying resilience and adaptability amid evolving economic conditions. As a regional bank, NBT Bancorp plays a pivotal role in facilitating local economic activity and providing the infrastructural backbone for financial transactions within its operating region.
Dividend Overview
Dividend Yield
2.81%
Annual Dividend
$1.51
Frequency
Quarterly
Payout Ratio
36.01%
FCF Payout Ratio
33.05%
52-Week Range
$39.20 - $54.50
Dividend History (2016–2025)
NBTB annual dividend per share and yield history
Earnings & Profitability
NBTB earnings per share and net profit margin
Key Dates
Next Ex-Dividend Date
September 1, 2026
Next Payment Date
September 15, 2026
Dividend Growth
3-Year Dividend CAGR
6.97%
5-Year Dividend CAGR
5.63%
10-Year Dividend CAGR
5.02%
3-Year Total Growth
22.41%
5-Year Total Growth
31.48%
10-Year Total Growth
63.22%
Income Calculator
Frequently Asked Questions
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How is NBTB's Dividend Safety Rating calculated?
Want to understand how we rate dividend safety? Read our full methodology
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This page is not investment advice. The content is for informational purposes only and should not be construed as a recommendation to buy, sell, or hold any security. Always do your own research and consult a qualified financial advisor before making investment decisions.
Financial data, including dividend history, earnings, balance sheet metrics, and the Dividend Safety Rating, is provided for informational purposes only. Data may be delayed or differ from official filings. Past performance does not guarantee future results. Always verify with official sources before making investment decisions.
Market data provided by Twelve Data.