NBTB
NBT Bancorp Inc. Financial Services - Banks - Regional Investor Relations →
NBT Bancorp Inc. (NBTB) closed at $44.21 as of 2026-05-01, trading 15.4% above its 200-week moving average of $38.32. The stock moved further from the line this week, up from 13.0% last week. The 14-week RSI sits at 53, indicating neutral momentum.
Trading volume is running at 1.5x of its 14-week average, which is in the normal range. The balance between buying and selling volume (1.03 ratio) is neutral — neither side is clearly dominating.
Over the past 1732 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 $2.3 billion, NBTB is a mid-cap stock. Return on equity stands at 10.6%. The stock trades at 1.2x book value.
Share count has increased 21.8% over three years, indicating dilution.
Over the past 33.2 years, a hypothetical investment of $100 in NBTB would have grown to $1608, compared to $2941 for the S&P 500. NBTB has returned 8.7% annualized vs 10.7% for the index, underperforming the broader market over this period.
In the past 12 months, corporate insiders have made 6 open-market purchases totaling $2,569,524.
Free cash flow has been growing at a 7.5% compound annual rate, with 4 consecutive years of positive cash generation.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
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 +19.4% vs +21.9% 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% | +610.2% |
| Mar 2001 | Jul 2001 | 17 | 5.9% | -2.1% | +560.3% |
| Sep 2001 | Apr 2002 | 31 | 17.0% | +16.9% | +540.0% |
| Jul 2007 | Aug 2007 | 3 | 20.5% | +10.9% | +282.7% |
| Sep 2007 | Sep 2007 | 1 | 1.1% | +24.3% | +283.1% |
| Oct 2007 | Oct 2007 | 1 | 3.6% | +26.1% | +291.0% |
| Dec 2007 | Jan 2008 | 4 | 13.4% | +36.7% | +281.6% |
| Feb 2008 | Mar 2008 | 5 | 12.1% | +6.9% | +282.5% |
| Apr 2008 | Apr 2008 | 1 | 3.3% | +18.0% | +283.1% |
| Jun 2008 | Jul 2008 | 3 | 8.2% | +7.9% | +272.6% |
| Feb 2009 | Mar 2009 | 7 | 26.2% | -1.4% | +257.9% |
| May 2009 | May 2009 | 1 | 0.9% | +5.9% | +255.4% |
| Jun 2009 | Jun 2009 | 1 | 3.3% | +5.3% | +264.1% |
| Jun 2009 | Jul 2009 | 3 | 2.8% | -0.1% | +258.1% |
| Nov 2009 | Mar 2010 | 17 | 7.8% | +16.3% | +257.4% |
| May 2010 | Jun 2010 | 2 | 1.9% | +2.9% | +250.3% |
| Jun 2010 | Jul 2010 | 3 | 4.3% | +13.9% | +258.5% |
| Aug 2010 | Sep 2010 | 5 | 5.7% | -1.5% | +258.9% |
| May 2011 | Jun 2011 | 2 | 1.5% | -4.9% | +240.5% |
| Aug 2011 | Oct 2011 | 11 | 15.5% | +4.1% | +237.3% |
| Nov 2011 | Nov 2011 | 2 | 8.4% | -4.6% | +234.8% |
| Apr 2012 | Apr 2012 | 1 | 0.4% | +6.2% | +230.6% |
| Apr 2012 | Jun 2012 | 7 | 8.2% | +3.1% | +242.6% |
| Nov 2012 | Dec 2012 | 8 | 5.4% | +30.6% | +239.1% |
| Apr 2013 | May 2013 | 2 | 1.1% | +18.6% | +231.2% |
| May 2013 | Jun 2013 | 1 | 1.4% | +18.5% | +232.7% |
| Feb 2020 | Jan 2021 | 45 | 23.0% | +11.2% | +60.2% |
| Jan 2021 | Feb 2021 | 1 | 2.4% | +20.3% | +58.1% |
| Jul 2021 | Jul 2021 | 2 | 3.3% | +16.4% | +51.5% |
| Sep 2021 | Sep 2021 | 1 | 0.0% | +18.4% | +50.8% |
| Mar 2023 | May 2023 | 8 | 8.4% | +12.9% | +45.0% |
| Jun 2023 | Jul 2023 | 5 | 7.4% | +8.0% | +42.4% |
| Aug 2023 | Oct 2023 | 10 | 9.6% | +48.9% | +41.6% |
| Mar 2024 | Mar 2024 | 1 | 0.1% | +31.2% | +38.7% |
| Apr 2024 | Apr 2024 | 1 | 0.9% | +17.5% | +39.2% |
| Average | 8 | — | +12.7% | — |
Frequently Asked Questions
Is NBTB below its 200-week moving average?
No. NBT Bancorp Inc. (NBTB) is currently 15.4% above its 200-week moving average of $38.32. It would need to fall to $38.32 to cross below the line.
What is NBTB's 200-week moving average price?
NBT Bancorp Inc.'s 200-week moving average is $38.32 as of 2026-05-01. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when NBTB drops below its 200-week moving average?
NBTB has crossed below its 200-week moving average 35 times in our data. On average, buying at that moment produced a one-year return of +12.7%. These dips have historically been decent entry points. These episodes lasted 8 weeks on average.
Is NBTB a good value right now?
Here's what our data says about NBTB as of 2026-05-01: The stock is above its 200-week moving average, so it doesn't currently meet our primary signal. The 14-week RSI is 53. Return on equity is 10.6%. Price-to-book is 1.2x. This is not a buy or sell recommendation — always do your own research.
How does NBTB compare to the S&P 500?
Over the past 33.2 years, $100 invested in NBTB would have grown to $1608, compared to $2941 for the S&P 500. That's 8.7% annualized vs 10.7% for the index. NBTB has underperformed the broader market over this period.
Does NBTB pay a dividend?
Yes. NBT Bancorp Inc. currently pays a dividend yield of 328.00%.
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 week of 2026-05-01