NBT BANCORP INC NBTB
Nasdaq · XNAS · stock · National Commercial Banks
Chart by TradingView
4/9
Piotroski F — financial health
—
Altman Z″ — distress risk
42.9%
Dividend payout · moderate
Financials (annual, from 10-K)
| FY | Revenue | Net income | Gross profit | Free cash flow | Equity |
|---|---|---|---|---|---|
| 2025 | $183.0M | $169.2M | — | — | $1.9B |
| 2024 | $165.7M | $140.6M | — | — | $1.5B |
| 2023 | $144.7M | $118.8M | — | — | $1.4B |
| 2022 | $150.7M | $152.0M | — | — | $1.2B |
| 2021 | $151.0M | $154.9M | — | — | $1.3B |
| 2020 | $140.9M | $104.4M | — | — | $1.2B |
Recent insider activity (Form 4)
| Insider | Role | Date | Action | Shares | Price |
|---|---|---|---|---|---|
| Sparks Martin Randolph | EVP,General Counsel,Secretary | 2026-06-12 | Sell | 1,200 | $48.04 |
| Hoeller Heidi M | director | 2026-06-12 | Sell | 2,100 | $48.03 |
| WATT JOHN H JR | director | 2026-06-09 | Sell | 21,000 | $47.42 |
| Mahoney Ruth H | EVP/President of Wealth Mgmt | 2026-06-05 | Sell | 5,000 | $46.60 |
| WATT JOHN H JR | director | 2026-05-19 | Grant | 1,050 | — |
| Kowalczyk Andrew S III | director | 2026-05-19 | Grant | 1,050 | — |
| Ames Johanna R | director | 2026-05-19 | Grant | 1,050 | — |
| DELANEY TIMOTHY E | director | 2026-05-19 | Grant | 1,050 | — |
Why these scores methodology →
Piotroski F-score: 4/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Source: SEC EDGAR filings · CIK 0000790359 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.