SmarterDividends
NBTB

NBT Bancorp Inc.

NBTB

Financial Services · Banks - Regional · Stock · quarterly payer

$52.97

Undervalued · +39% Add to Portfolio

Forward Yield

3.08%

Annual Dividend

$1.60

Payout Ratio

36%

5-Yr Growth

5.6%

Ex-Date

Dec 1, 2026

Frequency

Quarterly

Key facts about NBTB's dividend

Data as of · Source: SmarterDividends data

  • As of Oct 30, 2026, NBT Bancorp Inc. (NBTB) has a forward dividend yield of 3.08%, based on an annual dividend of $1.60 per share and a share price of $52.97.
  • As of Oct 30, 2026, NBTB's dividend safety grade from SmarterDividends is A (99 out of 100), which rates the dividend as very safe.
  • By SmarterDividends' count, NBT Bancorp Inc. (NBTB) has raised its dividend for 13 consecutive years as of Oct 30, 2026.
  • NBTB has never cut its regular dividend in the payment history SmarterDividends has on record.
  • NBTB's next ex-dividend date is Dec 1, 2026, with payment on Dec 15, 2026. Shares must be owned before that date to receive the dividend.
  • As of Oct 30, 2026, NBTB pays out 36% of its trailing 12-month earnings as dividends (its payout ratio).
  • NBTB's dividend has grown at an average rate of 5.6% a year over the past five years.
  • As of Oct 30, 2026, SmarterDividends' blended fair-value estimate for NBTB is $73.61 per share, 39% above the $52.97 share price, so NBTB screens as undervalued.
  • NBT Bancorp Inc. (NBTB) pays its dividend quarterly, 4 times a year.
  • NBT Bancorp Inc. (NBTB) has raised its regular dividend 25 times and cut it 0 times across the 131 payments on record since 1992. Its most recent change was a 8.1% increase to $0.400 per share, going ex-dividend on Sep 1, 2026.
  • NBT Bancorp (NBTB) has declared its first higher dividend of the year in July in 4 of the last 5 years; its most recent raise, 8.1%, was declared on Jul 27, 2026.
Cite this page

SmarterDividends, "NBTB Dividend: Yield, Safety Grade & Next Ex-Date," updated Oct 30, 2026, https://smarterdividends.com/stocks/NBTB

Summary

As of Oct 30, 2026, NBT Bancorp Inc. (NBTB) yields 3.08% ($1.60 a year per share), has a dividend safety grade of A (99/100) and has 13 consecutive years of dividend increases on record.

Is NBTB a good dividend stock?

Yes

NBT Bancorp Inc. (NBTB) pays a quarterly dividend yielding 3.08% ($1.60/yr), with 13 years of growth and a dividend-safety grade of A. It scores well across payout coverage, growth history and safety — a dependable income holding.

Advantages

  • 13 consecutive years of dividend growth
  • Never cut its dividend on record
  • Comfortable payout ratio (36%)
  • Strong 5.6% 5-yr dividend growth
  • 45% total price return over 5 years
  • Top-tier dividend safety score

Risks

  • Single-stock concentration risk — diversify

Key Data

Dividend Yield
3.08%
Payout Ratio
36%
Annual Dividend
$1.60
5-Yr Avg Growth
5.6%
Ex-Dividend Date
Dec 1, 2026
Years of Growth
13
Frequency
quarterly
Beta
0.49
Market Cap
$2.8B
P/E Ratio
12.7
5-Yr Total Return
45%
52-Week Range
$39.45 – $54.50
Dividend Safety
A · 99/100
Ever Cut?
No

NBTB dividend raises and cuts

NBT Bancorp Inc. (NBTB) has raised its regular dividend 25 times and cut it 0 times across the 131 payments on record since 1992. Its most recent change was a 8.1% increase to $0.400 per share, going ex-dividend on Sep 1, 2026.

Ex-dateChangeOld → newMove
Sep 1, 2026Raise$0.370 → $0.400+8.1%
Aug 29, 2025Raise$0.340 → $0.370+8.8%
Aug 30, 2024Raise$0.320 → $0.340+6.3%
Aug 31, 2023Raise$0.300 → $0.320+6.7%
Aug 31, 2022Raise$0.280 → $0.300+7.1%
Aug 31, 2021Raise$0.270 → $0.280+3.7%
Nov 27, 2019Raise$0.260 → $0.270+3.8%
Nov 29, 2018Raise$0.250 → $0.260+4.0%
May 31, 2018Raise$0.230 → $0.250+8.7%
Aug 30, 2016Raise$0.220 → $0.230+4.5%
May 27, 2015Raise$0.210 → $0.220+4.8%
Nov 26, 2013Raise$0.200 → $0.210+5.0%
Show all 25 changes since 1993
Ex-dateChangeOld → newMove
May 30, 2007Raise$0.190 → $0.200+5.3%
May 27, 2004Raise$0.170 → $0.190+11.8%
Feb 28, 2000Raise$0.162 → $0.170+5.0%
Nov 27, 1998Raise$0.154 → $0.162+5.0%
Aug 28, 1998Raise$0.116 → $0.154+33.3%
Feb 25, 1998Raise$0.110 → $0.116+5.0%
Aug 28, 1997Raise$0.0972 → $0.110+13.3%
Feb 26, 1997Raise$0.0802 → $0.0972+21.2%
Feb 28, 1996Raise$0.0705 → $0.0802+13.7%
Feb 27, 1995Raise$0.0644 → $0.0705+9.6%
May 25, 1994Raise$0.0588 → $0.0644+9.5%
Feb 23, 1994Raise$0.0586 → $0.0588+0.2%
Feb 23, 1993Raise$0.0543 → $0.0586+7.9%
Every NBTB payment →Download every raise and cut (CSV)
NBTB ex-dividend date & scheduleNext ex-date Dec 1, 2026 · full ex-dividend historyView →NBTB dividend historyEvery payment, totals by year, raises and cutsView →

Frequently Asked Questions

Is NBTB a good dividend stock?

Yes. NBT Bancorp Inc. (NBTB) pays a quarterly dividend yielding 3.08% ($1.60/yr), with 13 years of growth and a dividend-safety grade of A. It scores well across payout coverage, growth history and safety — a dependable income holding.

Is NBTB undervalued?

Based on a blend of discounted cash flow, a dividend-discount model and an earnings-multiple estimate, NBTB's fair value is about $73.61 versus a $52.97 share price — so it looks undervalued (+39% vs. fair value).

Is NBTB's dividend safe?

NBTB has a dividend-safety grade of A (99/100), based on its payout coverage, free-cash-flow, 13-year growth streak, a clean no-cut history, debt and yield-versus-history.

What is NBTB's fair value?

Our blended fair-value estimate for NBTB is about $73.61 per share, roughly 39% above the current $52.97 price — combining a discounted cash flow, a dividend-discount model and an earnings multiple.

Is NBTB a buy, hold, or sell?

We don't issue formal ratings, but on the data NBTB screens as "yes" and undervalued. NBT Bancorp Inc. (NBTB) pays a quarterly dividend yielding 3.08% ($1.60/yr), with 13 years of growth and a dividend-safety grade of A. It scores well across payout coverage, growth history and safety — a dependable income holding. This is research for your own analysis, not investment advice.

Will NBTB cut its dividend?

NBTB earns a dividend-safety grade of A (99/100), with no dividend cut on record. A higher score means lower cut risk based on payout coverage, cash flow and history — but no score guarantees a dividend.

Does NBTB pay a dividend?

Yes. NBT Bancorp Inc. pays a quarterly dividend of about $1.60 per share annually, a forward yield of roughly 3.08%.

What is NBTB's dividend yield?

As of Oct 30, 2026, NBTB's forward dividend yield is 3.08%, based on a $1.60 annual dividend and a $52.97 share price.

What is NBTB's dividend per share?

As of Oct 30, 2026, NBTB pays $1.60 per share per year, distributed on a quarterly basis.

What is NBTB's dividend payout ratio?

As of Oct 30, 2026, NBTB's payout ratio is 36% of trailing 12-month earnings — a comfortable level that leaves room to keep raising the dividend.

How many years has NBTB grown its dividend?

As of Oct 30, 2026, NBTB has increased its dividend for 13 consecutive years.

When is the next NBTB ex-dividend date?

As of Oct 30, 2026, the next ex-dividend date on record for NBTB is Dec 1, 2026.

NBTB Dividend News

NBTB
IncreaseNBTB·Sep 2, 2026

NBT Bancorp Raises Quarterly Dividend 8.1% to $0.40

NBT Bancorp lifted its quarterly dividend 8.1% to $0.40, extending a 14-year increase streak as earnings coverage and capital remained firm.

Income Calculator

At $1.60 / yr per share

Per payment (quarterly)$40.00
Annual$160.00
Monthly avg$13.33

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