Other · S&P 500 · data as of 2026-10-05

NBTB stock analysis: NBTB

Q: Does NBTB pay a dividend?

Yes. Its dividend yield is about 2.96%, and it has raised its dividend 13 years in a row.

NBTB (NBTB) is an S&P 500 company in Other.

The model's view of NBTB · subscribers

Where NBTB ranks among the 1,500 U.S. stocks the model scores each trading day, its expected return, the evidence for and against it, and whether the model portfolio holds it. The grades below describe the company's data; they are not the model's view.

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What's happening with NBTB · updated 2026-10-05 · from prices and SEC filings

Next results expected around Oct 26, based on the company's filing history.
Filed an 8-K on Sep 21 reporting executive or director change.
Has raised its dividend 13 years in a row.
Shares fell 1.3% over the past month, behind the S&P 500 (+0.4%) and ahead of its sector (-4.1%).

NBTB price performance

NBTB against the S&P 500, one year

Year to date+25.8%S&P 500 +14.5% · ahead by 11.3 pts

1 year+27.0%S&P 500 +17.0% · ahead by 10.0 pts

3 years+72.1%S&P 500 +89.3% · behind by 17.2 pts

5 years+63.1%S&P 500 +91.3% · behind by 28.2 pts

Total returns with dividends reinvested.

NBTB factor grades

Each grade compares NBTB with the rest of its sector (A+ best, F worst); the numbers behind it are shown with the typical figure for its peers.

–ValueFCF yield 11.3% (industry 6.0%)

B+GrowthRevenue growth +15% (industry +8%)EPS growth +37% (industry +10%)

–ProfitabilityOperating margin 0.0% (industry 9.6%)

B+Momentum12-month change +27%From 52-wk high -5%

NBTB in plain numbers

Its operating margin is 0% (operating profit per dollar of sales), lower than 649 of the other 751 Other companies Torvanta covers.
Its free cash flow over the last 12 months equals 11.3% of its market value, higher than 746 of the other 933 Other companies Torvanta covers.

NBTB key statistics

SectorOther

Industryn/a

IndexS&P 500

Market valuen/a

Revenue growth (y/y)n/a

Free-cash-flow yield11.3%

Dividend yield3.0%

Next earnings (expected)2026-10-26

Valuation measures

Financial highlights

Operating margin	0.0%
Net margin	89.3%

Company figures from its latest SEC filings; market value and returns from end-of-day prices.

About NBTB

HeadquartersNorwich, NY

Industry (SEC code)National Commercial Banks

Fiscal year endsDecember 31

Incorporated inDE

Listed onNasdaq

From the company's SEC registration record.

Companies similar to NBTB

Company	Market value	P/E	Revenue growth	Operating margin	12-month change
NBTB NBTB	n/a	n/a	+15%	0.0%	+27%
AA AA	$11.5B	9.0x	+6%	n/a	+27%	compare
AAL AAL	$8.5B	n/a	+8%	1.7%	+11%	compare
AAMI AAMI	$3.4B	34.1x	+24%	23.7%	+109%	compare
AAON AAON	$7.0B	44.2x	+54%	11.0%	-14%
AAP AAP	$2.4B	28.9x	-1%	2.7%	-34%
AAT AAT	$1.3B	73.6x	-4%	22.8%	+12%

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Frequently asked questions

Is NBTB stock a buy?

Torvanta does not tell individuals what to buy. Its grades for NBTB are shown above. Subscribers see the model's rank, expected return and whether the model portfolio holds it. This is research, not a recommendation.

When does NBTB report earnings next?

Based on its filing history, Torvanta expects NBTB to report around 2026-10-26.

Does NBTB pay a dividend?

Yes. Its dividend yield is about 3.0%, and it has raised its dividend 13 years in a row.

How has NBTB performed against the S&P 500?

Over the past year NBTB returned +27.0%, against +17.0% for the S&P 500, dividends reinvested.

See the model's view

Subscribers get the model's rank and expected return for every covered company, the reasoning behind each, and the Torvanta model portfolio's trades each trading day, sized and explained, at three risk levels.

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Torvanta is research only - not investment advice and not a recommendation to buy or sell any security. Grades describe a company's reported data against its sector; they are not the model's view, change as data changes and can be wrong. Financial figures come from the company's SEC filings; returns include reinvested dividends. Past performance does not predict future results.

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