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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: $45.93 Daily Weekly Monthly 20 Day Moving Average: 327,325 shares Shares Outstanding: 52.01 (millions) Market Capitalization: $2,388.82 (millions) Beta: 0.47 52 Week High: $46.92 52 Week Low: $39.20 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week 1.41% -3.54% 12 Week 3.33% -4.48% Year To Date 10.62% 1.55%

• 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: 03/01/26 Next Expected EPS Date: 07/27/26 Share - Related Items Shares Outstanding: 52.01 Most Recent Split Date: 11.00 (1.05:1) Beta: 0.47 Market Capitalization: $2,388.82 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 3.22% Current Fiscal Quarter EPS Consensus Estimate: $1.02 Indicated Annual Dividend: $1.48 Current Fiscal Year EPS Consensus Estimate: $4.15 Payout Ratio: 0.37 Number of Estimates in the Fiscal Year Consensus: 4.00 Change In Payout Ratio: 0.00 Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: 03/02/2026 - $0.37 Next EPS Report Date: 07/27/26

• Fundamental Ratios P/E Current FY Estimate: 11.07 Trailing 12 Months: 11.63 PEG Ratio: - Price Ratios Price/Book: 1.25 Price/Cash Flow: 10.46 Price / Sales: 2.55 EPS Growth vs. Year Ago Period: 21.25% vs. Previous Quarter: -7.62% Sales Growth vs. Year Ago Period: 15.32% vs. Previous Quarter: -2.29% ROE 03/31/26 - 11.06 12/31/25 - 10.86 09/30/25 - 10.35 ROA 03/31/26 - 1.28 12/31/25 - 1.25 09/30/25 - 1.17 Current Ratio 03/31/26 - 0.87 12/31/25 - 0.88 09/30/25 - 0.88 Quick Ratio 03/31/26 - 0.87 12/31/25 - 0.88 09/30/25 - 0.88 Operating Margin 03/31/26 - 22.02 12/31/25 - 21.34 09/30/25 - 20.11 Net Margin 03/31/26 - 19.59 12/31/25 - 18.67 09/30/25 - 17.24 Pre-Tax Margin 03/31/26 - 25.49 12/31/25 - 24.21 09/30/25 - 22.49 Book Value 03/31/26 - 36.81 12/31/25 - 36.25 09/30/25 - 35.37 Inventory Turnover 03/31/26 - 86.72 12/31/25 - 34.32 09/30/25 - 24.44 Debt-to-Equity 03/31/26 - 0.09 12/31/25 - 0.09 09/30/25 - 0.10 Debt-to-Capital 03/31/26 - 8.58 12/31/25 - 8.64 09/30/25 - 8.88

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