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NBT BANCORP INC (NBTB) is a national commercial banks company. Piotroski F-Score 4/5. 20 insider Form 4 filings in the last 90 days. Next earnings projected around 2026-07-27 from NBTB's year-over-year reporting pattern (not yet company-confirmed). Fundamentals from SEC filings; prices are end-of-day.
EOD daily bars · delayed, not real-time · data: DatabentoCharting by TradingView Lightweight Charts™
XBRL company facts, SEC EDGAR. TTM = last four reported quarters. Valuation ratios arrive with a price source — we don't fake quotes.
A plain-English read on NBTB plus an auto-SWOT — built from NBTB's SEC filings and market data, every point cited, nothing invented. Educational, not investment advice.
Four AI analysts — a bull, a bear, a risk manager, and a PM — debate NBTB using only the SEC-filing and market facts below. Every point cites its evidence; nothing is invented. This is educational research, not investment advice.
Educational only — not financial advice. Data from SEC EDGAR public filings; no live market data is shown. Figures reflect the company's own reported XBRL facts and may lag.
Projected from NBTB's own SEC 8-K filing history — the year-over-year reporting pattern (~50% land the exact day, ~90% within a week). No analyst estimates, no scraped calendars, nothing invented. It upgrades to a confirmed date + time the moment NBTB files its announcement.
NBTB has rallied after 5 of its last 8 earnings reports.
Each figure is one earnings reaction — how much NBTB moved from the closing price the day before a report to the close the day after. Based on its last 8 reports.
Earnings reactions have been moderate.
NBTB has traded higher after most recent earnings releases.
The average is inflated by its most volatile prints (+9.7% and -4.0%).
A more typical earnings reaction has been approximately ±3.6%.
Realized close-to-close history only — no options-implied move, no analyst estimates.
| Reported | Close-to-close |
|---|---|
| 2026-04-23 | -3.3% |
| 2026-01-26 | -0.5% |
| 2025-10-27 | +0.9% |
| 2025-07-28 | +4.0% |
| 2025-04-24 | +1.7% |
| 2025-01-27 | -4.0% |
| 2024-10-28 |
Earnings dates are the company's 8-K Item 2.02 filings (SEC). Reactions from Databento EOD.
| +3.9% |
| 2024-07-22 | +9.7% |
| Hoeller Heidi MDirector | SELL | $101K | view → |
| Sparks Martin RandolphEVP,General Counsel,Secretary | SELL | $58K | view → |
| WATT JOHN H JRDirector | SELL | $996K | view → |
| Mahoney Ruth HEVP/President of Wealth Mgmt | SELL | $233K | view → |