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NBT Bancorp Inc.

Stage 3 · Topping · week 2

As of Oct 22, 2026, NBT Bancorp is in Stage 3, the topping phase, now in week 2 (since Oct 14, 2026). It closed at $52.79, 1.9% below its 52-week high and above its 200-day average, which is rising.

NBT Bancorp Inc., a financial holding company, provides personal and commercial banking, retail banking, and wealth management services in the United States. More about the company

$52.79
+2.60% today
$2.7B · Mid cap
Market Neutral — Building

Pro read

Pro

Our read

Topping: the uptrend is tiring

Setup score

—

Momentum

Steady

Edge

—

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Loading price chart…
Stage Cycle Timeline2023-08-16 → 2026-10-22
S2 22w
S2 21w
2023-08-162026-10-22
S1S2S3S4Setup score (0–10, dashed line at 5)
S1 6w → S4 7w → S1 2w → S2 11w → S3 6w → S4 4w → S1 1w → S2 22w → S3 5w → S2 12w → S3 7w → S4 12w → S1 5w → S4 3w → S1 8w → S4 8w → S1 1w → S2 12w → S3 9w → S2 21w → S3 1w current
Total tracked: 165 weeks across 21 stage runs.

NBTB among Banks - Regional134th of 319 by relative strength

All 319 →
Stocks in Banks - Regional ranked by relative strength, with stage and one-month change
#StockStageRS1M
1OPHCStage 2 · wk 3896−1.0%
2MSBIStage 2 · wk 4395+1.8%
3CMTVStage 2 · wk 7294+11.5%
4VBNKStage 2 · wk 2594−0.9%
5AMALStage 3 · wk 294+8.1%
6BOTJStage 2 · wk 5893+9.0%
7ATLOStage 2 · wk 6892+9.5%
8RBKBStage 2 · wk 3892+0.9%
…134NBTBStage 3 · wk 279+4.6%
vs 52W High
-1.9%
$38.30 lo$53.84 hi
Near 52W high, distribution zone
The stock is rolling over from its 52-week high. In Stage 3 distribution, new long positions carry high risk.
Stage Maturity
Week 2
1w13w26w
Week 2, early distribution
How long this stock has been in Stage 3 distribution. Longer tops often precede deeper Stage 4 declines.
vs 200 DMA
12.6%
200 DMA: $46.86 · rising
Stock is losing its 200 DMA. Once lost, it confirms Stage 4 risk. This is a major red flag for existing holders.
Rel Volume
0.81x
vs 50-day avg
Volume spikes on down days during Stage 3 signal distribution, with institutions exiting. Stage analysis reads that as a warning against new long positions.
Trend Health
↓
Short-term trend rolling over
Two reads of momentum. The arrow shows the direction of the short-term trend: rising (↑ or ↗), flat (→) or rolling over (↓). The ⇈ mark appears when our trend model reads the move as gaining speed on top of the longer trend. Strongest when both agree.
1M
+4.6%
3M
+1.6%
6M
+18.4%
YTD
+30.1%
1Y
+33.9%
Scan Membership
Breakout Watch
Latest: 2024-11-20
8 appearances in last 60 days. First seen: 2019-06-12.
A stock that keeps qualifying week after week does so because its Stage 2 structure keeps holding. Staying power in the scan says more about the trend than any single appearance.
Recent Stage Timeline
2026-10-22S3
Wk 2 · Vol 0.81x
2026-10-21S3
Wk 2 · Vol 0.67x
2026-10-20S3
Wk 1 · Vol 0.88x
2026-10-19S3
Wk 1 · Vol 1.11x
2026-10-16S3
Wk 1 · Vol 0.73x
2026-10-15S3
Wk 1 · Vol 0.83x
2026-10-14S32→3
Wk 1 · Vol 1.24x
2026-10-13S2
Wk 21 · Vol 0.66x
2026-10-12S2
Wk 21 · Vol 0.72x
2026-10-09S2
Wk 20 · Vol 0.64x
2026-10-08S2
Wk 20 · Vol 0.96x
2026-10-07S2
Wk 20 · Vol 1.23x
Moving averages & range
50 DMA
$51.26
200 DMA
$46.86
52W High
$53.84
52W Low
$38.30
5D Low
$50.68
Resistance levels (recent highs)
20d High
$52.79
60d High
$53.36
120d High
$53.84
250d High
$53.84
Next resistance
+1.1%
to 60d High
P/E (TTM)
12.9
Forward 11.6
Earnings Growth (YoY)
+131.8%
Revenue +17.8%
ROE
+11.4%
Profit margin +29.6%
Dividend Yield
3.11%
P/B 1.4

NBT Bancorp: quick answers

What stage is NBT Bancorp in?

As of Oct 22, 2026, NBT Bancorp (NBTB) is in Stage 3, the topping phase. It entered Stage 3 on Oct 14, 2026 and is in week 2. What the four stages mean

Is NBT Bancorp in an uptrend?

Its uptrend has stalled. NBT Bancorp is in Stage 3, the topping phase that follows an advance. It trades 12.6% above its 200-day average, which is rising.

How far is NBT Bancorp from its 52-week high?

NBT Bancorp closed at $52.79 on Oct 22, 2026, 1.9% below its 52-week high of $53.84. Its 52-week low is $38.30.

How has NBT Bancorp performed over the past year?

As of Oct 22, 2026, NBT Bancorp is up 33.9% over the past year and up 30.1% so far in 2026.

Which sector and industry is NBT Bancorp in?

NBT Bancorp is in the Banks - Regional industry, part of the Financials sector.

About this companyFinancials· Banks - Regional

NBT Bancorp Inc., a financial holding company, provides personal and commercial banking, retail banking, and wealth management services in the United States. It operates through Banking, Retirement Plan Administration, and All Other segments. The company offers demand deposit, savings, interest-bearing checking, money market deposit, and certificate of deposit accounts; and indirect and direct consumer loans, home equity loans and lines of credit, residential mortgages, business banking loans, commercial and industrial loans, agricultural loans, commercial construction loans, commercial real estate loans, indirect auto loans, and other consumer loans, as well as agricultural lending, personal lines of credit, overdraft protection, and second mortgage loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan and health savings account recordkeeping and administration, and actuarial services. In addition, the company offers insurance products, such as personal property and casualty, business liability, and commercial insurance; and other products and services through a network of ATM locations and 24-hour online, mobile, and telephone channels that enable customers to check balances, make deposits, transfer funds, pay bills, access statements, apply for loans, and access various other products and services. Further, it operates as a property management and passive investment company, as well as investment advisor that provides investment management and financial consulting services. The company serves retail, commercial, and municipal customers. It operates in upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York.

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All analytics based on EOD data. Data as of 2026-10-22. Past data patterns are not indicative of future results. This page is a data analytics tool only.