NBTB
NBT Bancorp Inc. Financial Services - Banks - Regional Investor Relations →
NBT Bancorp Inc. (NBTB) closed at $46.65 as of 2026-02-02, trading 22.9% above its 200-week moving average of $37.97. The stock moved further from the line this week, up from 17.3% last week. With a 14-week RSI of 76, NBTB is in overbought territory.
Over the past 1720 weeks of data, NBTB has crossed below its 200-week moving average 35 times. On average, these episodes lasted 8 weeks. Historically, investors who bought NBTB at the start of these episodes saw an average one-year return of +12.7%.
With a market cap of $2.4 billion, NBTB is a mid-cap stock. Return on equity stands at 9.9%. The stock trades at 1.3x book value.
Share count has increased 9.3% over three years, indicating dilution.
Over the past 33.1 years, a hypothetical investment of $100 in NBTB would have grown to $1683, compared to $2819 for the S&P 500. NBTB has returned 8.9% annualized vs 10.6% for the index, underperforming the broader market over this period.
In the past 12 months, corporate insiders have made 7 open-market purchases totaling $1,792,931.
Free cash flow has been growing at a 5.3% compound annual rate, with 4 consecutive years of positive cash generation.
Growth of $100: NBTB vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After NBTB Crosses Below the Line?
Across 35 historical episodes, buying NBTB when it crossed below its 200-week moving average produced an average return of +13.5% after 12 months (median +12.0%), compared to +6.3% for the S&P 500 over the same periods. 77% of those episodes were profitable after one year. After 24 months, the average return was +18.9% vs +21.0% for the index.
Each line shows $100 invested at the moment NBTB crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Historical Touches
NBTB has crossed below its 200-week MA 35 times with an average 1-year return of +12.7% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Dec 1999 | Jan 2001 | 58 | 39.4% | -0.4% | +642.9% |
| Mar 2001 | Jul 2001 | 17 | 5.9% | -2.1% | +590.7% |
| Sep 2001 | Apr 2002 | 31 | 17.0% | +16.9% | +569.4% |
| Jul 2007 | Aug 2007 | 3 | 20.5% | +10.9% | +300.3% |
| Sep 2007 | Sep 2007 | 1 | 1.1% | +24.3% | +300.7% |
| Oct 2007 | Oct 2007 | 1 | 3.6% | +26.1% | +309.1% |
| Dec 2007 | Jan 2008 | 4 | 13.4% | +36.7% | +299.2% |
| Feb 2008 | Mar 2008 | 5 | 12.1% | +6.9% | +300.2% |
| Apr 2008 | Apr 2008 | 1 | 3.3% | +18.0% | +300.7% |
| Jun 2008 | Jul 2008 | 3 | 8.2% | +7.9% | +289.8% |
| Feb 2009 | Mar 2009 | 7 | 26.2% | -1.4% | +274.4% |
| May 2009 | May 2009 | 1 | 0.9% | +5.9% | +271.8% |
| Jun 2009 | Jun 2009 | 1 | 3.3% | +5.3% | +280.8% |
| Jun 2009 | Jul 2009 | 3 | 2.8% | -0.1% | +274.6% |
| Nov 2009 | Mar 2010 | 17 | 7.8% | +16.3% | +273.8% |
| May 2010 | Jun 2010 | 2 | 1.9% | +2.9% | +266.4% |
| Jun 2010 | Jul 2010 | 3 | 4.3% | +13.9% | +275.0% |
| Aug 2010 | Sep 2010 | 5 | 5.7% | -1.5% | +275.4% |
| May 2011 | Jun 2011 | 2 | 1.5% | -4.9% | +256.2% |
| Aug 2011 | Oct 2011 | 11 | 15.5% | +4.1% | +252.8% |
| Nov 2011 | Nov 2011 | 2 | 8.4% | -4.6% | +250.2% |
| Apr 2012 | Apr 2012 | 1 | 0.4% | +6.2% | +245.8% |
| Apr 2012 | Jun 2012 | 7 | 8.2% | +3.1% | +258.3% |
| Nov 2012 | Dec 2012 | 8 | 5.4% | +30.6% | +254.7% |
| Apr 2013 | May 2013 | 2 | 1.1% | +18.6% | +246.5% |
| May 2013 | Jun 2013 | 1 | 1.4% | +18.5% | +248.0% |
| Feb 2020 | Jan 2021 | 45 | 23.0% | +11.2% | +67.5% |
| Jan 2021 | Feb 2021 | 1 | 2.4% | +20.3% | +65.4% |
| Jul 2021 | Jul 2021 | 2 | 3.3% | +16.4% | +58.5% |
| Sep 2021 | Sep 2021 | 1 | 0.0% | +18.4% | +57.7% |
| Mar 2023 | May 2023 | 8 | 8.4% | +12.9% | +51.6% |
| Jun 2023 | Jul 2023 | 5 | 7.4% | +8.0% | +48.9% |
| Aug 2023 | Oct 2023 | 10 | 9.6% | +48.9% | +48.1% |
| Mar 2024 | Mar 2024 | 1 | 0.1% | +31.2% | +45.1% |
| Apr 2024 | Apr 2024 | 1 | 0.9% | +17.5% | +45.6% |
| Average | 8 | — | +12.7% | — |
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of Friday close, 2026-02-02