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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: 2,083

• Price / Volume Information    Yesterday's Closing Price: $41.61 Daily Weekly Monthly 20 Day Moving Average: 232,946 shares Shares Outstanding: 52.39 (millions) Market Capitalization: $2,180.12 (millions) Beta: 0.55 52 Week High: $52.44 52 Week Low: $37.31 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week 5.96% 3.18% 12 Week -1.23% -5.33% Year To Date -12.88% -23.85%

• 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 Annette L. Burns - Chief Financial Officer Johanna R. Ames - Director J. David Brown - 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: 09/01/25 Next Expected EPS Date: 01/26/26 Share - Related Items Shares Outstanding: 52.39 Most Recent Split Date: 11.00 (1.05:1) Beta: 0.55 Market Capitalization: $2,180.12 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 3.56% Current Fiscal Quarter EPS Consensus Estimate: $0.98 Indicated Annual Dividend: $1.48 Current Fiscal Year EPS Consensus Estimate: $3.67 Payout Ratio: 0.42 Number of Estimates in the Fiscal Year Consensus: 3.00 Change In Payout Ratio: 0.04 Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: 08/29/2025 - $0.37 Next EPS Report Date: 01/26/26

• Fundamental Ratios P/E Current FY Estimate: 11.33 Trailing 12 Months: 11.89 PEG Ratio: - Price Ratios Price/Book: 1.18 Price/Cash Flow: 11.54 Price / Sales: 2.51 EPS Growth vs. Year Ago Period: 31.25% vs. Previous Quarter: 19.32% Sales Growth vs. Year Ago Period: 19.74% vs. Previous Quarter: 7.73% ROE 09/30/25 - 10.35 06/30/25 - 9.81 03/31/25 - 9.57 ROA 09/30/25 - 1.17 06/30/25 - 1.10 03/31/25 - 1.06 Current Ratio 09/30/25 - 0.88 06/30/25 - 0.88 03/31/25 - 0.86 Quick Ratio 09/30/25 - 0.88 06/30/25 - 0.88 03/31/25 - 0.86 Operating Margin 09/30/25 - 20.11 06/30/25 - 19.00 03/31/25 - 18.21 Net Margin 09/30/25 - 17.24 06/30/25 - 16.10 03/31/25 - 17.99 Pre-Tax Margin 09/30/25 - 22.49 06/30/25 - 20.79 03/31/25 - 22.99 Book Value 09/30/25 - 35.37 06/30/25 - 38.20 03/31/25 - 33.13 Inventory Turnover 09/30/25 - 24.44 06/30/25 - 24.22 03/31/25 - 24.47 Debt-to-Equity 09/30/25 - 0.10 06/30/25 - 0.17 03/31/25 - 0.15 Debt-to-Capital 09/30/25 - 8.88 06/30/25 - 14.19 03/31/25 - 12.68

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