NBTB (NBT Bancorp) Institutional Ownership: 63.47% (As of Aug. 01, 2026)

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NBTB NBT Bancorp Inc NBTB
67 GF Score
Price $52.63
GF Value $46.60
Valuation Modestly Overvalued
! 5 Warning Signs
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What is NBT Bancorp Institutional Ownership?

NBT Bancorp NBTB -0.47% 67 Institutional Ownership is 63.47% as of Aug. 01, 2026. GuruFocus rates NBTB with a GF Score™ of 67/100 and a GF Value™ of $46.60 (Modestly Overvalued). The stock has 5 warning signs investors should review.

Institutional ownership is the percentage of shares that are owned by institutions out of the total shares outstanding. As of today, NBT Bancorp's institutional ownership is 63.47%.

Insider Ownership is the percentage of shares that are owned by company insiders relative to the total shares outstanding. As of today, NBT Bancorp's Insider Ownership is 4.21%.

Float Percentage Of Total Shares Outstanding is the percentage of float shares relative to the total shares outstanding. As of today, NBT Bancorp's Float Percentage Of Total Shares Outstanding is 73.23%.

NBT Bancorp Institutional Ownership Historical Data

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The historical data trend for NBT Bancorp's Institutional Ownership can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

NBT Bancorp Institutional Ownership Chart

NBT Bancorp Historical Data

The historical data trend for NBT Bancorp can be seen below:

2025-09-30 2025-10-31 2025-11-30 2025-12-31 2026-01-31 2026-02-28 2026-03-31 2026-04-30 2026-05-31 2026-06-30
Institutional Ownership 53.86 53.32 53.77 52.88 52.92 53.49 53.28 53.56 54.00 56.45
NBTB
67GF Score
NBT Bancorp Inc NBTB
Institutional Ownership is just one metric. See GF Score™, valuation, warning signs, and more.
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NBT Bancorp Institutional Ownership Calculation

The percentage of shares that are owned by institutions out of the total shares outstanding.

What does a Institutional Ownership of 63.47% mean?
NBT Bancorp (NBTB) has a Institutional Ownership of 63.47% as of Aug. 01, 2026. Institutional ownership equals the percent of shares owned by financial institutions relative to total shares. View historical data on NBT Bancorp and its competitors.
Is NBT Bancorp's Institutional Ownership too high?
NBT Bancorp's current Institutional Ownership is 63.47%. Overall, NBT Bancorp has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NBT Bancorp's Institutional Ownership compare to FRME and TRMK?
NBT Bancorp's Institutional Ownership of 63.47% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Institutional Ownership for a Banks company?
A good Institutional Ownership depends on the Banks industry context. However, Institutional Ownership should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Institutional Ownership mean?
A high Institutional Ownership can signal that a stock is expensive relative to its fundamentals. Institutional ownership equals the percent of shares owned by financial institutions relative to total shares. View historical data on NBT Bancorp and its competitors. NBT Bancorp's current Institutional Ownership is 63.47%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NBT Bancorp stock overvalued right now?
Based on GuruFocus' analysis, NBT Bancorp (NBTB) is currently considered Modestly Overvalued. The stock's GF Value™ is $46.60, compared to a current price of $52.63 — trading 12.9% above its estimated fair value. The current Institutional Ownership is 63.47%. NBT Bancorp's overall GF Score™ is 67/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Institutional Ownership calculated?
Institutional Ownership is calculated from a company's financial statements. For NBT Bancorp (NBTB), the current Institutional Ownership is 63.47% as of Aug. 01, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is NBT Bancorp (NBTB) Overvalued in 2026?

Based on GuruFocus' analysis, NBT Bancorp stock appears to be overvalued. The current stock price of $52.63 is trading 12.9% above its estimated GF Value™ of $46.60. GuruFocus considers NBT Bancorp to be Modestly Overvalued.

Key valuation signals for NBTB:

  • Institutional Ownership: 63.47%
  • GF Value™: $46.60 vs. price of $52.63 (12.9% above fair value)
  • GF Score™: 67/100 with 5 warning signs

No single metric tells the full story. See the NBTB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

NBT Bancorp Business Description

Address 52 South Broad Street, Norwich, NY, USA, 13815
NBT Bancorp Inc is a financial holding company that operates through its subsidiaries. The company's principal sources of revenue include management fees and dividends it receives through its subsidiaries. Its business, predominantly conducted through NBT Bank, consists of providing commercial banking, retail banking, and wealth management services to customers in its market area, which includes upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. The company's reportable segments are Banking and Retirement Plan Administration. A majority of its revenue is generated from the Banking segment.
67GF Score

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Institutional Ownership is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$52.63
Price
$46.60
GF Value