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Zacks Company Profile for NBT Bancorp Inc. (NBTB : NSDQ)

• Company Description    NBT BANCORP INC. is a one bank holding company engaged in general banking business. Number of Employees: 2,303

• Price / Volume Information    Yesterday's Closing Price: $51.62 Daily Weekly Monthly 20 Day Moving Average: 241,503 shares Shares Outstanding: 51.96 (millions) Market Capitalization: $2,682.18 (millions) Beta: 0.47 52 Week High: $54.50 52 Week Low: $39.20 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week -3.64% -1.01% 12 Week 10.58% 9.26% Year To Date 24.33% 12.10%

• Address & Contact Information Street Address Phone / Fax Email Address Web URL 52 S BROAD ST - NORWICH,NY 13815 USA ph: 607-337-2265 fax: 302-636-5454 info@nbtbci.com http://www.nbtbancorp.com

• General Corporate Information    Officers Scott A. Kingsley - President; Chief Executive Officer and Director Martin A. Dietrich - Chairman and Director John H. Watt, Jr. - Vice Chairman and Director Annette L. Burns - Chief Financial Officer Timothy E. Delaney - Director Peer Information NBT Bancorp Inc. (CNBKA) NBT Bancorp Inc. (CNBI2) NBT Bancorp Inc. (CNOB) NBT Bancorp Inc. (FBNK.) NBT Bancorp Inc. (FMBN) NBT Bancorp Inc. (TBNK) Industry / Sector / Ticker Info Analyst Coverage: No Industry Group: BANKS-NORTHEAST Sector: Finance CUSIP: 628778102 SIC: 6021 Fiscal Year Fiscal Year End: December Last Reported Quarter: 06/01/26 Next Expected EPS Date: 10/26/26 Share - Related Items Shares Outstanding: 51.96 Most Recent Split Date: 11.00 (1.05:1) Beta: 0.47 Market Capitalization: $2,682.18 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 3.10% Current Fiscal Quarter EPS Consensus Estimate: $1.09 Indicated Annual Dividend: $1.60 Current Fiscal Year EPS Consensus Estimate: $4.15 Payout Ratio: 0.36 Number of Estimates in the Fiscal Year Consensus: 4.00 Change In Payout Ratio: -0.02 Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: 09/01/2026 - $0.40 Next EPS Report Date: 10/26/26

• Fundamental Ratios P/E Current FY Estimate: 12.43 Trailing 12 Months: 12.65 PEG Ratio: - Price Ratios Price/Book: 1.38 Price/Cash Flow: 11.75 Price / Sales: 2.83 EPS Growth vs. Year Ago Period: 14.77% vs. Previous Quarter: 4.12% Sales Growth vs. Year Ago Period: 4.89% vs. Previous Quarter: 1.16% ROE 06/30/26 - 11.27 03/31/26 - 11.06 12/31/25 - 10.86 ROA 06/30/26 - 1.33 03/31/26 - 1.28 12/31/25 - 1.25 Current Ratio 06/30/26 - 0.87 03/31/26 - 0.87 12/31/25 - 0.88 Quick Ratio 06/30/26 - 0.87 03/31/26 - 0.87 12/31/25 - 0.88 Operating Margin 06/30/26 - 22.61 03/31/26 - 22.02 12/31/25 - 21.34 Net Margin 06/30/26 - 22.58 03/31/26 - 19.59 12/31/25 - 18.67 Pre-Tax Margin 06/30/26 - 29.24 03/31/26 - 25.49 12/31/25 - 24.21 Book Value 06/30/26 - 37.38 03/31/26 - 36.81 12/31/25 - 36.25 Inventory Turnover 06/30/26 - 146.57 03/31/26 - 86.72 12/31/25 - 34.32 Debt-to-Equity 06/30/26 - 0.08 03/31/26 - 0.09 12/31/25 - 0.09 Debt-to-Capital 06/30/26 - 7.37 03/31/26 - 8.58 12/31/25 - 8.64

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