NBT Bancorp Inc. (NBTB)

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NBT Bancorp Inc. (NBTB) is up 15.8% since the beginning of the year. At $47 per share, NBTB is trading 3.1% below its 52-week high of $49. Investors who bought $1,000 worth of NBTB shares 5 years ago would now be looking at an investment worth $1,518.

NBT Bancorp Inc. (NBTB) has returned 15.82% so far this year and 23.21% over the past 12 months. Over the last ten years, NBTB has returned 8.66% per year, falling short of the S&P 500 Index benchmark, which averaged 13.88% annually.

Based on dividend-adjusted daily data since Mar 17, 1992, NBTB's average daily return is +0.06%, while the average monthly return is +0.88%. At this rate, an investment would double in approximately 6.6 years.

Historically, 56% of months were positive and 44% were negative. The best month was Jun 1997 with a return of +28.0%, while the worst month was Apr 2000 at -27.2%. The longest winning streak lasted 6 consecutive months, and the longest losing streak was 5 months.

On a daily basis, NBTB closed higher 47% of trading days. The best single day was Mar 2, 2000 with a return of +24.6%, while the worst single day was Jun 16, 1998 at -24.6%.

NBT Bancorp Inc. has an annualized alpha of 5.34%, beta of 0.87, and R2 of 0.19 versus S&P 500 Index. Calculated based on daily prices since March 17, 1992.

• This stock participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (63.05%) than losses (61.56%) - typical of diversified or defensive assets.
• R2 of 0.19 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

NBTB ranks 69 for risk / return — better than 69% of stocks on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.

NBT Bancorp Inc. provided a 3.13% dividend yield over the last twelve months, with an annual payout of $1.48 per share. The company has been increasing its dividends for 26 consecutive years, earning it the status of a dividend aristocrat.

The table displays the monthly dividend distributions for NBT Bancorp Inc.. The dividends shown in the table have been adjusted to account for any splits that may have occurred.

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.

The table below displays the maximum drawdowns of the NBT Bancorp Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the NBT Bancorp Inc. was 69.80%, occurring on Jun 22, 2000. Recovery took 1125 trading sessions.

The current NBT Bancorp Inc. drawdown is 5.06%.

The chart below shows the rolling one-month volatility.

The chart below illustrates the trends in the financial health of NBT Bancorp Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.

The Valuation section provides an overview of how NBT Bancorp Inc. is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.