OakChart

NBT Bancorp Inc

NBTBFinancial·Banks - Regional·USA·Mid·NASD·Nov 11 • 3:59 PM ET

52.95-0.46 (-0.86%)
2026-11-12 04:52 CET
Market cap
2,744.30 USD m
Revenue, TTM
- USD m
Net income, TTM
217.71 USD m
Free cash flow, TTM
245.67 USD m
EPS diluted, TTM
4.16
P/E
12.73
Compare

Price

NBTB against its 20, 50 and 200-day averages
2050200beatearnings
45.0050.0055.00632K1.3MVolumeMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26NBTBclose 52.9520-day 52.5050-day 51.63200-day 48.0752.9552w high

4.3% under the 52-week high of 55.35 on 5 Nov 2026. 52-week low 39.45 on 17 Nov 2025. Last 15 sessions, 7.6% high to low

Volume 0.64× normal · the line is the 50-bar volume average

Profile

NBTB
52-week range, 85% of the way up
39.4455.35

NBT Bancorp, Inc. is a holding company, which engages in the provision of financial solutions. It offers commercial banking, retail banking, and wealth management, as well as trust and investment services. The company was founded in 1986 and is headquartered in Norwich, NY.

IndexRUT
Employees2303
IPOMar 17, 1992
Beta0.49
ATR, 14d1.12
Rel volume0.64
Short float5.23%
Insider own1.41%
Inst own71.73%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap2.74B
Enterprise Value-
Income217.71M
Sales952.09M
Book/sh37.40
Cash/sh-
Dividend Est.1.53 (2.90%)
Dividend TTM1.51 (2.85%)
Dividend Ex-DateDec 01, 2026
Dividend Gr. 3/5Y6.97% 5.63%
Payout42.69%
Employees2303
IPOMar 17, 1992

Ratios

P/E12.73
Forward P/E11.69
PEG1.38
P/S2.88
P/B1.42
P/C-
P/FCF11.17
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.09
Debt/Eq0.29
LT Debt/Eq0.08
Option/ShortYes / Yes

Earnings

EPS (ttm)4.16
EPS next Y4.53
EPS next Q1.09
EPS this Y9.64%
EPS next Y8.20%
EPS next 5Y8.44%
EPS past 3/5Y-1.87% 6.99%
Sales past 3/5Y18.83% 12.86%
EPS Y/Y TTM38.24%
Sales Y/Y TTM9.67%
EPS Q/Q7.35%
Sales Q/Q1.61%
EarningsOct 27 AMC
EPS/Sales Surpr.1.43% 0.62%

Ownership

Insider Own1.41%
Insider Trans-5.53%
Inst Own71.73%
Inst Trans4.71%
ROA1.34%
ROE11.47%
ROIC10.38%
Gross Margin-
Oper. Margin29.57%
Profit Margin22.87%
SMA200.86%
SMA502.55%
SMA20010.15%
Trades-

Technical

Shs Outstand51.94M
Shs Float51.10M
Short Float5.23%
Short Ratio8.68
Short Interest2.67M
52W High55.35 -4.34%
52W Low39.44 34.24%
Volatility2.15% 2.00%
ATR (14)1.12
RSI (14)53.87
Beta0.49
Rel Volume0.64
Avg Volume308.01K
Volume196,909

Performance

Perf Week-1.94%
Perf Month5.50%
Perf Quarter-1.16%
Perf Half Y18.88%
Perf YTD27.53%
Perf Year27.01%
Perf 3Y54.51%
Perf 5Y36.86%
Perf 10Y33.98%
Recom2.43
Target Price57.17
Prev Close53.41
Price52.95
Change %-0.86%

Analyst ratings

latest 10 of 20
DateActionAnalystRating changeTargetImplied
Jul 30, 2026DowngradeSStephensOverweight → Equal-Weight$55+3.9%
Apr 27, 2026ReiteratedHHovde GroupMarket Perform$47 → $46.50-12.2%
Mar 16, 2026ResumedPPiper SandlerOverweight$50-5.6%
Feb 25, 2026InitiatedDDA DavidsonBuy$54+2.0%
Feb 23, 2026DowngradeJJanneyBuy → Neutral
Oct 14, 2025UpgradePPiper SandlerNeutral → Overweight$47-11.2%
Jul 08, 2025ResumedPPiper SandlerNeutral$47-11.2%
Mar 21, 2025InitiatedHHovde GroupMarket Perform$50-5.6%
Jan 29, 2025UpgradeSStephensEqual-Weight → Overweight$53+0.1%
Jul 25, 2024DowngradeSStephensOverweight → Equal-Weight$42 → $49-7.5%

Peers

Mkt cap
TickerCompanyMkt cap
CBUCommunity Financial System Inc3.39B
TMPTompkins Financial Corp1.44B
NWBINorthwest Bancshares Inc2.23B
FISIFinancial Institutions Inc782.08M
AROWArrow Financial Corp715.83M
FCFFirst Commonwealth Financial Corp2.04B
STBAS & T Bancorp Inc1.80B
BBTBeacon Financial Corp2.58B
CACCamden National Corp1.00B
PFSProvident Financial Services Inc3.00B

Insider trading

latest 14 of 18
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Mahoney Ruth HEVP/President of Wealth MgmtJul 29 '26Sale54.304,500244,35011,928Jul 30 02:45 PM
Halliday Sarah AEVP/Chief Comm Innovation OffJul 29 '26Sale54.049,000486,40122,054Jul 30 02:26 PM
RUTH H MAHONEYOfficerJul 29 '26Proposed Sale54.304,500244,350Jul 29 04:18 PM
SARAH HALLIDAYOfficerJul 29 '26Proposed Sale54.049,000486,401Jul 29 04:01 PM
MARTIN SPARKSOfficerJun 12 '26Proposed Sale48.041,20057,650Jun 12 05:24 PM
HEIDI M HOELLERDirectorJun 12 '26Proposed Sale48.032,100100,874Jun 12 04:05 PM
Sparks Martin RandolphEVP,General Counsel,SecretaryJun 12 '26Sale48.041,20057,65014,463Jun 12 02:24 PM
Hoeller Heidi MDirectorJun 12 '26Sale48.032,100100,87411,560Jun 12 02:20 PM
WATT JOHN H JRDirectorJun 09 '26Sale47.4221,000995,75154,010Jun 10 03:43 PM
WATT JOHN H JRDirectorJun 09 '26Proposed Sale46.2421,000971,040Jun 09 10:00 AM
Mahoney Ruth HEVP/President of Wealth MgmtJun 05 '26Sale46.605,000233,00016,428Jun 08 08:41 AM
RUTH H MAHONEYOfficerJun 05 '26Proposed Sale46.605,000233,000Jun 05 04:22 PM
Halliday Sarah AOfficerMay 11 '26Proposed Sale44.834,015180,000May 14 10:39 AM
Sparks Martin RandolphEVP,General Counsel,SecretaryMar 13 '26Sale41.302,40099,12011,350Mar 17 12:41 PM

Held by

AUM
TickerCompanyAUM
IJRiShares Core S&P Small-Cap ETFAUM: 106.27B
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
IWMiShares Russell 2000 Index FundAUM: 77.38B
VBVanguard Morningstar Small-Cap ETFAUM: 79.59B
AVUVAvantis U.S. Small Cap Value ETFAUM: 32.39B
DFATU.S. Targeted Value Portfolio-ETF Class SharesAUM: 14.47B
VBRVanguard Morningstar Small-Cap Value ETFAUM: 37.76B
VXFVanguard Extended Market Index ETFAUM: 30.47B
KREState Street SPDR S&P Regional Banking ETFAUM: 4.43B
IWNiShares Russell 2000 Value ETFAUM: 14.10B

News

latest 14 of 200

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-271.1101.0941.110195.03193.837
2026Q22026-07-271.0101.0231.015186.69188.817
2026Q12026-04-230.9700.9770.977184.48185.267
2025Q42026-01-261.0500.9851.057185.14183.636
2025Q32025-10-271.0500.9681.035186.07183.816
2025Q22025-07-280.8800.8270.443171.15170.897
2025Q12025-04-240.8000.7420.774154.68151.046
2024Q42025-01-270.7700.7660.758148.53147.115
2024Q32024-10-280.8000.7730.803147.44145.244
2024Q22024-07-220.6900.6850.691140.41139.274
2024Q12024-04-220.6800.6800.714140.57135.666
2023Q42024-01-230.7200.7480.643137.66139.026
2023Q32023-10-240.8400.7700.542135.13130.225
2023Q22023-07-310.8000.7900.697121.13127.686
2023Q12023-04-240.8800.8520.781126.48133.746
2022Q42023-01-230.8490.9250.837133.87133.646

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2017FY1.9261.9631.871404.8403.43
2018FY2.6292.5402.557430.39436.61
2019FY2.8012.7232.743455.58450.97
2020FY2.4282.2902.373461.95459.28
2021FY3.5883.5503.543478.88474.13
2022FY3.5593.6103.520517.77518.31
2023FY3.2303.2432.653520.4527.9
2024FY2.9402.9372.965576.95574.47
2025FY3.8203.6993.330697.04694.05
2026FY-4.188--761.5
2027FY-4.531--803.91
2028FY-4.871--846.03

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-11-03610194.76193.96195.71
2026Q4S2026-10-30610194.93193.96196
2026Q4S2026-10-29610195.03193.96196.3
2026Q4S2026-10-28600194.69191.95196.3
2026Q4S2026-10-27600194.41191.95196.3
2026Q4S2026-10-12600194.41191.95196.3
2026Q4S2026-09-21601194.41191.95196.3
2026Q4S2026-09-05601194.24191.95196.3
2026Q4S2026-07-30602194.24191.95196.3
2026Q4S2026-07-29602194.36191.95196.3
2026Q4S2026-07-28511195.92192.5200.4
2026Q4S2026-07-02510195.76194.4200.4
2026Q4S2026-06-24500195.36194.4198.4
2026Q4S2026-06-22500195.44194.4198.4

Estimate history

EPS, annual1.8712.5572.7432.3733.5433.522.6532.9653.3274.1596
Period201720182019202020212022202320242025TTM
EPS, quarterly0.8030.7580.7740.4431.0351.0570.9771.0151.111
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual432.023468.897512.3495.059498.492540.069665.037788.388906.302952.09
Period201720182019202020212022202320242025TTM
Sales, quarterly201.939200.118201.835224.513241.711238.243232.748235.491245.606
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual43.54343.67343.79743.62943.16842.85847.1147.19552.20351.941
Period201720182019202020212022202320242025MRQ
Shares, quarterly47.17747.19547.25552.37752.44952.20352.0151.95551.941
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Interest Income749.34710.99611.67522.79384.07339.88348.28367.53344.25
Total Interest Expense200.51209.45211.55144.5721.8818.7932.6055.9838.63
Net Interest Income548.84501.55400.12378.22362.19321.09315.68311.56305.63
Loan Loss Provision19.2732.2519.6125.2717.15-8.2651.1325.4128.83
Net Interest Income After Loan Loss Provision529.57469.29380.51352.94345.04329.35264.54286.14276.80
Non-Interest Income202.75195.31176.72142.25156.00158.62146.78144.77124.64
Non-Interest Expense450.75425.63376.24331.76303.92288.10273.43272.38264.44
Operating Income281.56238.97180.99163.44197.12199.86137.89158.53137.00
Unusual Expense0.0019.531.539.980.970.004.803.100.00
Net Income Before Taxes281.56219.44179.46153.46196.16199.86133.09155.43137.00
Income Taxes63.8550.2138.8234.6844.1644.9728.7034.4124.44
Consolidated Net Income217.71169.24140.64118.78152.00154.88104.39121.02112.57
Net Income From Continuing Operations217.71169.24140.64118.78152.00154.88104.39121.02112.57
Net Income217.71169.24140.64118.78152.00154.88104.39121.02112.57
EPS (Recurring)4.173.602.992.813.543.542.452.792.56
EPS (Basic, Before Extraordinaries)4.183.342.982.673.543.572.392.762.58
EPS (Diluted)4.163.332.972.653.523.542.372.742.56
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Stock Option Compensation Expense4.304.174.734.034.533.223.623.073.11
Price To Earnings Ratio12.7312.7316.7614.6712.2710.8713.5214.7913.53
Price To Sales Ratio2.752.332.872.823.473.382.853.493.25
Operating Margin29.5726.3722.9624.5836.5040.0927.8530.9529.22
Net Margin22.8718.6717.8417.8628.1431.0721.0923.6224.01
Shares Outstanding51.9452.2047.1947.1142.8643.1743.6343.8043.67
Market Capitalization2,744.302,744.302,252.961,973.451,860.111,669.841,400.371,776.201,510.44

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Interest Income192.39185.76182.65188.54190.47177.58154.40157.74
Total Interest Expense50.3148.8048.3053.1055.8053.3647.1851.63
Net Interest Income142.08136.96134.35135.44134.66124.22107.22106.11
Loan Loss Provision3.796.145.583.773.1017.847.552.21
Net Interest Income After Loan Loss Provision138.29130.83128.77131.68131.56106.3999.67103.90
Non-Interest Income53.2149.7350.1049.7051.2446.9447.4342.38
Non-Interest Expense115.43111.44112.20111.68109.86105.4398.6699.83
Operating Income76.0769.1266.6769.6972.9547.8948.4446.45
Unusual Expense0.000.000.000.001.1217.181.220.99
Net Income Before Taxes76.0769.1266.6769.6971.8330.7147.2245.55
Income Taxes18.0516.0915.5314.1817.358.2010.489.54
Consolidated Net Income58.0353.0351.1455.5154.4722.5136.7436.01
Net Income From Continuing Operations58.0353.0351.1455.5154.4722.5136.7436.01
Net Income58.0353.0351.1455.5154.4722.5136.7436.01
EPS (Recurring)1.111.020.981.061.050.680.790.77
EPS (Basic, Before Extraordinaries)1.121.020.981.061.040.450.780.76
EPS (Diluted)1.111.020.981.061.030.440.770.76
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense0.440.692.660.511.250.691.800.66
Price To Earnings Ratio12.7314.0612.8713.7915.0313.7414.4716.76
Price To Sales Ratio2.752.722.382.412.532.552.552.88
Operating Margin30.9729.3528.6529.2530.1821.3324.0023.21
Net Margin23.6322.5221.9723.3022.5410.0318.2117.99
Shares Outstanding51.9451.9552.0152.2052.4552.3847.2647.19
Market Capitalization2,744.302,567.742,222.862,172.132,187.982,174.062,027.192,252.96

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Due from Banks185.16205.08173.81166.49157.78160.00170.59175.55156.85
Investments3,068.382,663.482,550.322,670.963,651.552,645.641,777.441,890.721,802.12
Net Loans11,460.119,853.919,536.318,049.357,406.467,388.897,063.136,815.206,514.14
Investment in Unconsolidated Affiliates3.503.203.203.203.203.203.203.200.00
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Real Estate Assets0.400.180.000.100.171.461.462.444.53
Net Property, Plant & Equipment129.88108.44107.3892.9595.39100.61110.4378.9781.31
Interest Receivables52.0043.6042.7033.000.000.000.000.000.00
Deferred Tax Assets---136.1563.0115.1243.9637.6435.53
Other Intangible Assets1,095.69908.77895.32625.93675.53618.00587.14581.48582.40
Total Assets15,995.1213,786.6713,309.0411,778.1212,053.0910,932.919,757.359,585.219,136.81
Total Deposits13,499.1911,546.7610,968.999,495.9310,234.479,081.697,587.827,368.217,170.64
Total Debt360.55445.33665.61813.50339.08439.56858.001,046.62909.19
Long Term Debt203.39248.24271.86225.81224.14238.96170.29154.92150.03
Provision for Risks Charges17.8315.9116.6116.7519.9920.6921.2820.2929.95
Deferred Tax Liabilities---38.8340.98-41.4328.8528.24
Other Liabilities221.32252.53232.13239.55168.12197.55128.42103.3468.86
Total Liabilities14,098.9112,260.5211,883.3510,604.5710,802.639,739.498,636.958,567.308,178.64
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity1,896.221,526.141,425.691,173.551,250.451,187.621,120.401,017.91958.18
Total Shareholders Equity1,896.221,526.141,425.691,173.551,250.451,187.621,120.401,017.91958.18
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity1,896.221,526.141,425.691,173.551,250.451,187.621,120.401,017.91958.18
Total Liabilities & Stockholders Equity15,995.1213,786.6713,309.0411,778.1212,053.0910,927.119,757.359,585.219,136.81
Book Value Per Share36.3232.3430.2627.3828.9727.2225.5823.3122.01
Tangible Book Value Per Share26.5423.8821.7220.6522.2620.5219.0316.6615.54
Tier 1 Capital1,485.761,385.271,301.561,193.341,103.661,018.32963.15880.45810.45
Tier 2 Capital266.60237.21233.27197.85189.01197.3573.8973.7870.43
Full-Time Employees2,3032,0832,0341,8611,8011,8121,7881,7911,733
Price to Book Ratio1.421.481.451.611.331.181.591.481.68
Return on Assets1.141.040.951.281.351.011.251.200.90
Return on Equity9.899.539.1412.5412.719.0511.3211.398.57
Return on Invested Capital8.067.937.0010.8610.507.329.389.607.41
Current Ratio0.100.070.050.050.310.170.060.050.02

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations292.89259.81187.82187.35191.14170.30192.34158.37157.33
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital-35.50-24.590.75-27.91-7.92-12.67-49.93-4.90-9.55
Cash from Operating Activities257.39235.22188.57159.45183.22157.63142.41153.46147.77
Capital Expenditures-11.72-16.30-11.74-9.25-7.01-47.74-8.16-6.65-7.40
Net Assets From Acquisitions-0.730.00-1.380.00-2.620.00-3.900.00-7.88
Sale of Fixed Assets and Businesses0.0037.940.0044.560.000.000.000.000.00
Purchase or Sale of Investments-259.50119.41-61.68254.22-238.90-495.68-337.23205.31-64.64
Purchase of Investments-737.65-566.60-376.24-88.03-630.60-1,074.98-920.88-323.72-533.05
Sale Or Maturity of Investments478.15686.01314.56342.25391.70579.30583.65529.02468.41
Other Uses0.000.000.000.000.000.000.000.000.00
Other Sources11.6111.421.403.771.874.411.061.090.00
Cash from Investing Activities-644.24169.07-399.16-46.22-926.22-546.06-709.73-64.34-417.62
Cash Dividends Paid-78.56-72.59-62.26-55.89-49.77-47.74-47.21-46.01-43.27
Change in Capital Stock-25.22-10.07-0.19-4.85-14.71-21.60-7.800.721.30
Repurchase of Common Pref Stock-25.22-10.19-0.25-4.94-14.71-21.71-7.980.000.00
Sale of Common Pref Stock0.000.120.060.090.000.110.180.721.30
Proceedsfrom Stock Options0.000.000.000.000.000.000.000.000.00
Issuance or Reduction of Debt, Net249.04-202.54-223.86-206.86476.04-95.69-414.18-225.93137.43
Change in Long Term Debt-144.63-144.66-0.1524.88-11.18-25.1072.71-9.51-15.14
Issuance of Long Term Debt0.000.000.0025.001.520.00100.0010.6025.00
Reduction of Long Term Debt-144.63-144.66-0.15-0.12-12.70-25.10-27.29-20.11-40.15
Net Financing Active Other Cash Flow-1.97-4.41-1.99-1.88-1.75-2.93-1.54-1.62-1.89
Other Financing Activities Uses-1.97-4.41-1.99-1.88-1.75-2.93-1.54-1.62-1.89
Cash from Financing Activities68.81-201.23289.46-105.39-328.73984.811,023.15-53.23291.14
Net Change in Cash-318.04203.0678.877.84-1,071.72596.39455.8435.8921.29
Free Cash Flow245.67218.92176.82150.19176.21149.90134.25146.82140.37
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Price to Free Cash Flow15.6814.4419.7719.9014.8316.4816.2217.7515.68
Federal Home Loan Advances Increase (Decrease)--0.5411.900.59-19.612.2517.278.61-6.52

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Due from Banks215.47187.16151.56185.16245.76264.78
Investments3,087.843,025.753,375.513,068.383,131.592,966.54
Net Loans11,808.5111,733.5811,408.6611,460.1111,456.1311,484.48
Investment in Unconsolidated Affiliates0.000.000.003.500.000.00
Net Property, Plant & Equipment96.5598.12100.25129.8898.6795.79
Interest Receivables52.3052.5050.2052.0050.1050.70
Other Intangible Assets1,132.681,117.841,118.211,095.691,130.061,152.15
Total Assets16,393.7016,214.9616,204.4115,995.1216,112.5816,014.78
Total Deposits13,586.4413,537.3013,742.9713,499.1913,660.9213,515.23
Total Debt569.11471.19297.41360.55319.36411.38
Long Term Debt154.71154.76179.60203.39180.63298.41
Provision for Risks Charges0.000.000.0017.830.000.00
Other Liabilities295.67262.54249.64221.32279.16283.01
Total Liabilities14,451.2214,271.0414,290.0114,098.9114,259.4414,209.61
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity1,942.481,943.921,914.401,896.221,853.151,805.17
Total Shareholders Equity1,942.481,943.921,914.401,896.221,853.151,805.17
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity1,942.481,943.921,914.401,896.221,853.151,805.17
Total Liabilities & Stockholders Equity16,393.7016,214.9616,204.4115,995.1216,112.5816,014.78
Book Value Per Share37.4037.4236.8136.3235.3334.46
Tangible Book Value Per Share27.7527.7127.0526.5425.5124.56
Full-Time Employees---2,303--
Price to Book Ratio1.421.341.171.181.211.25
Return on Assets1.341.331.221.141.000.90
Return on Equity11.4711.4210.559.898.878.16
Return on Invested Capital2.772.532.442.642.681.07
Current Ratio0.090.080.190.100.170.15

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations67.9266.5366.9191.5364.8457.54
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital8.40-4.65-13.87-25.3815.75-11.07
Cash from Operating Activities76.3261.8953.0466.1580.5946.48
Capital Expenditures-1.91-1.36-4.42-4.03-6.24-2.33
Net Assets From Acquisitions-0.250.00-0.490.000.001.55
Sale of Fixed Assets and Businesses0.000.000.000.00-0.6538.60
Purchase or Sale of Investments-87.40-96.62-47.66-27.81-31.88276.85
Purchase of Investments-213.47-221.99-146.81-155.38-163.80-88.94
Sale Or Maturity of Investments126.06125.3899.15127.56131.92365.79
Other Uses0.000.000.000.000.000.00
Other Sources0.007.100.993.523.57-0.00
Cash from Investing Activities-173.88-428.83-5.69-35.84-13.82331.90
Cash Dividends Paid-20.78-19.22-19.24-19.32-19.40-17.81
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock-1.01-3.02-11.01-10.190.120.00
Repurchase of Common Pref Stock-1.01-3.02-11.01-10.190.000.00
Sale of Common Pref Stock0.000.000.000.000.120.00
Proceedsfrom Stock Options0.000.000.000.000.000.00
Issuance or Reduction of Debt, Net97.93173.60-30.297.79-92.28-15.67
Change in Long Term Debt-0.03-25.03-0.03-119.55-0.04-0.04
Issuance of Long Term Debt0.000.000.000.000.000.00
Reduction of Long Term Debt-0.03-25.03-0.03-119.55-0.04-0.04
Net Financing Active Other Cash Flow-0.17-0.18-1.620.00-2.21-0.09
Other Financing Activities Uses-0.17-0.18-1.620.00-2.21-0.09
Cash from Financing Activities125.11-54.48181.60-183.4331.91-90.89
Net Change in Cash27.55-421.42228.96-153.1398.68287.48
Free Cash Flow74.4160.5348.6262.1274.3544.15
Price to Free Cash Flow15.6815.3114.5314.9016.5319.12

Revenue breakdown

ATM and Debit Card Fees2024: 22.33M 2025: 23.99M
Administrative Service2024: 56.59M 2025: 61.59M
Asset Management2024: 41.64M 2025: 44.76M
Deposit Account2024: 17.09M 2025: 19.07M
Financial Service, Other2024: 11.03M 2025: 15.52M
Insurance2024: 17.03M 2025: 18.04M
United States2024: 165.71M 2025: 182.95M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-305.22%2.7M51.2M310.43K
2026-10-155.09%2.6M51.2M342.16K
2026-09-305.32%2.7M51.2M346.39K
2026-09-154.67%2.4M51.2M353.07K
2026-08-314.18%2.1M51.2M360.04K
2026-08-144.03%2.1M51.2M366.57K
2026-07-313.82%2.0M51.3M374.43K
2026-07-153.49%1.8M51.3M334.27K
2026-06-303.00%1.5M51.3M310.03K
2026-06-152.95%1.5M51.3M284.39K
2026-05-293.13%1.6M51.3M264.73K
2026-05-152.96%1.5M51.3M259.38K
2026-04-302.37%1.2M50.8M237.99K
2026-04-151.99%1.0M50.8M235.27K
2026-03-311.86%1.0M51.1M232.17K
2026-03-131.60%0.8M51.1M224.34K
2026-02-271.60%0.8M51.1M224.62K
2026-02-131.49%0.8M51.3M224.31K
2026-01-301.57%0.8M51.3M226.48K
2026-01-151.57%0.8M51.3M221.28K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call22.5028.6033.000.005.7060.000.000.992-0.0200.002
call25.0026.1030.500.005.1230.000.000.992-0.0200.002
call30.0021.1025.500.004.1280.000.000.989-0.0200.002
call35.0016.5020.500.003.2900.000.000.986-0.0190.003
call40.0011.5015.506.162.5521.000.000.981-0.0190.004
call45.006.2010.508.751.87210.000.000.749-0.3010.026
call50.002.853.603.650.5423070.000.647-0.2350.031
call55.000.004.800.051.3601120.000.465-0.2400.033
call60.000.002.950.001.6630.000.000.362-0.2910.031
call65.000.002.950.002.0590.000.000.316-0.3420.029
put22.500.004.900.002.4160.000.00-0.007-0.0210.002
put25.000.004.900.002.1400.000.00-0.008-0.0210.002
put30.000.004.900.001.6610.000.00-0.010-0.0200.002
put35.000.002.950.001.2520.000.00-0.013-0.0200.003
put40.000.000.050.181.1673.000.00-0.054-0.0570.010
put45.000.002.950.002.0290.000.00-0.250-0.3000.026
put50.000.003.700.151.5840.000.00-0.352-0.2340.031
put55.000.054.900.001.1360.000.00-0.534-0.2380.033
put60.005.009.000.001.3370.000.00-0.637-0.2880.031
put65.0010.0013.500.001.5210.000.00-0.684-0.3380.029

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-0610-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-11-05SCHEDULE 13GSEC
2026-11-038-KCurrent report2026-11-03SEC
2026-10-278-KCurrent report2026-10-27SEC
2026-10-023Initial statement of beneficial ownership of securities2026-10-01SEC
2026-09-218-KCurrent report2026-09-21SEC
2026-09-088-KCurrent report2026-09-08SEC
2026-08-0710-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-08-07SCHEDULE 13GSEC
2026-07-304Statement of changes in beneficial ownership of securities2026-07-29SEC
2026-07-304Statement of changes in beneficial ownership of securities2026-07-29SEC
2026-07-29144Filing for proposed sale of securities under Rule 144.SEC
2026-07-29144Filing for proposed sale of securities under Rule 144.SEC
2026-07-278-KCurrent report2026-07-27SEC
2026-06-2411-KAnnual reports of employee stock purchase, savings and similar plans pursuant to Section 15(d)2025-12-31SEC
2026-06-12144Filing for proposed sale of securities under Rule 144.SEC
2026-06-12144Filing for proposed sale of securities under Rule 144.SEC
2026-06-124Statement of changes in beneficial ownership of securities2026-06-12SEC
2026-06-124Statement of changes in beneficial ownership of securities2026-06-12SEC
2026-06-104Statement of changes in beneficial ownership of securities2026-06-09SEC
2026-06-09144Filing for proposed sale of securities under Rule 144.SEC
2026-06-083Initial statement of beneficial ownership of securities2026-06-01SEC
2026-06-083Initial statement of beneficial ownership of securities2026-06-01SEC
2026-06-084Statement of changes in beneficial ownership of securities2026-06-05SEC
2026-06-05144Filing for proposed sale of securities under Rule 144.SEC
2026-05-224Statement of changes in beneficial ownership of securities2026-05-21SEC
2026-05-213Initial statement of beneficial ownership of securities2026-05-19SEC
2026-05-214Statement of changes in beneficial ownership of securities2026-05-19SEC
2026-05-214Statement of changes in beneficial ownership of securities2026-05-19SEC
2026-05-214Statement of changes in beneficial ownership of securities2026-05-19SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090000
2026-080000
2026-0700730.75K2
2026-06001.39M4
2026-050000
2026-040000
2026-030099.12K1
2026-0200202.77K1
2026-01976.71K100
2025-120000
2025-11409.75K100

Institutional holders

Manager% owned
BlackRock, Inc.14.38%
VANGUARD PORTFOLIO MANAGEMENT LLC6.63%
FMR LLC6.15%
STATE STREET CORP5.25%
DIMENSIONAL FUND ADVISORS LP4.96%
VANGUARD CAPITAL MANAGEMENT LLC4.34%
GEODE CAPITAL MANAGEMENT, LLC2.66%
NORTHERN TRUST CORP1.38%
SILVERCREST ASSET MANAGEMENT GROUP LLC1.25%
CHARLES SCHWAB INVESTMENT MANAGEMENT INC1.18%

Funds

Fund% owned
iShares Core S&P Small-Cap ETF6.01%
VANGUARD TOTAL STOCK MARKET INDEX FUND3.03%
iShares Russell 2000 ETF2.54%
VANGUARD SMALL-CAP INDEX FUND2.18%
Angel Oak Financial Strategies Income Term Trust1.92%
VANGUARD SMALL-CAP VALUE INDEX FUND1.38%
VANGUARD EXTENDED MARKET INDEX FUND1.15%
Fidelity Small Cap Index Fund1.09%
FULLERTHALER BEHAVIORAL SMALL CAP EQUITY1.07%
Fidelity Stock Selector Small Cap Fund1.06%

OakChart. NBTB. Cached 15 minutes.