Trailing Dividend / Share
$1.43
NBT Bancorp Inc. (NBTB) Dividend History
Income profile from 1992 to 2026 with payout safety and yield-on-cost trend
Dividend Yield
3.1%
Payout Ratio
42.9%
Sustainable
Dividend Streak
13 years
NBTB Dividend Income Check
Safety
42.9% payout ratio with sustainable safety profile.
Consistency
13 straight years of dividend increases.
Income Trend
Yield on cost is 4.5% and trend is rising.
NBTB Dividend Scorecard
Yield & Income
Dividend Yield3.1%
Trailing DPS$1.43
FrequencySemi-Annual
Payments / 12M4
Payout Safety
Earnings Payout42.9%
Earnings SafetySustainable
FCF Payout33.1%
FCF SafetyWell Covered
Piotroski F-Score7/9
Growth
Growth Streak13 years
3Y CAGR7.0%
5Y CAGR5.6%
Yield on Cost (5Y)4.5%
YOC Trendrising
Total Returns
Buyback Yield0.4%
Total Shareholder Yield3.5%
1Y Total Return20.5%
5Y Total Return46.9%
Div Contribution (5Y)17.8%
Estimated $10K growth (return + dividends):
5Y ago$14,69010Y ago$20,30720Y ago$30,283
Uses precomputed total return metrics from screening data (not lot-by-lot dividend reinvestment transactions). Different time windows can produce different outcomes depending on market regime and entry point.
NBTB Income Growth Story
Dividend per share and yield on cost over time (35 years of payments)
NBTB Dividend Safety Story
EPS is the container — dividend is what's drawn out
Get NBTB's next ex-dividend date and payout in your inbox
Monthly dividend calendar — upcoming ex-dates for stocks you follow.
Dividend Analysis
Payout Safety
NBT Bancorp Inc. distributes 42.9% of earnings as dividends (Sustainable). When measured against free cash flow—a stricter test—the payout ratio stands at 33.1%, rated "Well Covered".
Piotroski F-Score: 7/9 — strong financial health.
Growth Track Record
NBTB has raised its dividend for 13 consecutive years, with a 3-year CAGR of 7.0% and 5-year CAGR of 5.6%.
Total Shareholder Returns
Beyond cash dividends, NBTB returns capital through share repurchases. The combined picture: 3.1% dividend yield, 0.4% buyback yield, 3.5% total shareholder yield.
Income Trend & Total Return
Yield on cost (5-year basis) has reached 4.5% and is currently rising. The 5-year total return is 46.9%, with dividends contributing 17.8% of that performance.
DRIP Growth
A $10,000 investment made 10 years ago with dividends reinvested would have grown to approximately $20,307 today.
NBTB Recent Dividend Payments
Last 20 payments · Semi-Annual
TTM Total$6.44
Avg/Payment$0.3220
| Ex-Date | Amount | Change | Yield % | Payment Date |
|---|---|---|---|---|
| Jun 1, 2026Latest | $0.3700 | — | 3.25% | Jun 15, 2026 |
| Mar 2, 2026 | $0.3700 | — | 3.39% | Mar 16, 2026 |
| Dec 1, 2025 | $0.3700 | — | 3.42% | Dec 15, 2025 |
| Aug 29, 2025 | $0.3700 | ↑ +8.8% | 3.14% | Sep 15, 2025 |
| Jun 2, 2025 | $0.3400 | — | 3.32% | Jun 16, 2025 |
| Mar 3, 2025 | $0.3400 | — | 2.83% | Mar 17, 2025 |
| Dec 2, 2024 | $0.3400 | — | 2.65% | Dec 16, 2024 |
| Aug 30, 2024 | $0.3400 | ↑ +6.3% | 2.66% | Sep 13, 2024 |
NBTB Dividend vs Peers
Comparable companies in the same industry
#3 yield in peer group
Div Yield
3.1%
#3 of 9
Safety
Sustainable
42.9% payout
Streak
13Y
5.6% 5Y CAGR
Total Shareholder
3.5%
#7 of 9
| Company | Mkt Cap | Yield | Payout | Streak | Safety |
|---|---|---|---|---|---|
3rd NBTBNBT Bancorp Inc. | $2.4B | 3.1% | 42.9% | 13 | Sustainable |
 CNOBConnectOne Bancorp, … | $1.6B | 2.0% | 39.7% | 7 | Sustainable |
 TRMKTrustmark Corporatio… | $2.6B | 2.2% | 26.1% | 1 | Sustainable |
1st  WSBCWesBanco, Inc. | $3.5B | 3.8% | 56.1% | 15 | Sustainable |
2nd  FULTFulton Financial Cor… | $4.4B | 3.4% | 36.1% | 5 | Sustainable |
 CBSHCommerce Bancshares,… | $8.0B | 2.0% | 26.5% | 8 | Sustainable |
 IBCPIndependent Bank Cor… | $706M | 3.0% | 31.5% | 11 | Sustainable |
 SFBSServisFirst Bancshar… | $4.4B | 1.7% | 26.5% | 1 | Sustainable |
 STBAS&T Bancorp, Inc. | $1.7B | 2.9% | 39.4% | 13 | Sustainable |
NBTB Annual Dividend History (1991–2026)
36 years of dividend data
GrowthDecline
| Year | DPS | YoY | Pmts | EPS | Payout | Coverage | YOC |
|---|---|---|---|---|---|---|---|
| 2026YTD | $0.74 | — | 2 | — | — | — | 2.3% |
| 2025 | $1.42 | 7.6% | 4 | $3.33 | 42.6% | 2.35x | 4.5% |
| 2024 | $1.32 | 6.5% | 4 | $2.96 | 44.6% | 2.24x | 4.2% |
| 2023 | $1.24 | 6.9% | 4 | $2.65 | 46.8% | 2.14x | 3.9% |
| 2022 | $1.16 | 5.5% | 4 | $3.52 | 33.0% | 3.03x | 3.6% |
| 2021 | $1.10 | 1.9% | 4 | $3.54 | 31.1% | 3.22x | 3.5% |
| 2020 | $1.08 | 2.9% | 4 | $2.37 | 45.6% | 2.19x | 3.4% |
| 2019 | $1.05 | 6.1% | 4 | $2.74 | 38.3% | 2.61x | 3.3% |
| 2018 | $0.99 | 7.6% | 4 | $2.56 | 38.7% | 2.59x | 3.1% |
| 2017 | $0.92 | 2.2% | 4 | $1.87 | 49.2% | 2.03x | 2.9% |
Consensus-Based Analysis Tools
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Check Valuation
Historical Returns
34+ years return with dividends reinvested.
Calculate
DCA Calculator
See how regular investing compounds over time.
Run Numbers
Peer Comparison
Compare growth, multiples, and margins vs sector.
Compare
NBTB — Frequently Asked Questions
Quick answers to the most common questions about buying NBTB stock.
How much dividend does NBTB pay per share?
NBT Bancorp Inc. (NBTB) pays a trailing 12-month dividend of $1.43 per share, with a current dividend yield of +3.1%. Payments are made Semi-Annual.
When is NBTB's next ex-dividend date?
NBTB's most recent ex-dividend date is N/A. You must own shares before the ex-dividend date to receive the next payment. NBTB typically pays dividends Semi-Annual.
Is NBTB's dividend safe?
NBTB's dividend safety is rated "Sustainable" based on an earnings payout ratio of +42.9% and FCF payout ratio of +33.1%. With 13 consecutive years of dividend growth, the track record supports sustainability.
Is NBTB a Dividend Achiever?
Yes, NBT Bancorp Inc. is classified as a Dividend Achiever with 13 consecutive years of dividend increases. The 5-year dividend CAGR is +5.6%, demonstrating above-inflation dividend growth.
How often does NBTB pay dividends?
NBT Bancorp Inc. pays dividends Semi-Annual. The trailing 12-month total is $1.43 per share. Dividend data on this page covers 34+ years from 1992 to 2026.
How much would $10,000 invested in NBTB grow with dividend reinvestment?
With dividends reinvested (DRIP), $10,000 invested in NBTB five years ago would be worth approximately $14,690 today. This includes both price appreciation and compounded dividend reinvestment. Use the DRIP calculator above for other time periods.
What is NBTB's yield on cost for long-term holders?
NBTB's yield on cost — the current dividend divided by the original purchase price — is +4.5% for a 5-year holding period. This means long-term holders earn a higher effective yield than today's +3.1% market yield, thanks to consistent dividend growth.