NBTB NBT BANCORP INC

Did the company actually spend money buying back stock in 3+ of the last 4 quarters?

Bought back stock in 2/4 quarters. Q1 2026: $0M, Q3 2025: $0M, Q2 2025: $0M, Q1 2025: $0M

Is the most recent quarter's buyback spend more than 15% above the trailing average?

Latest quarter $0M vs trailing avg $0M (-100%)

What percentage of free cash flow is going to buybacks? Bull: 30%+. Bear: negative FCF or no buybacks.

Missing buyback or cash flow data

How fast are they shrinking the float? Bull: 2%+ annually. Bear: under 0.5%.

Repurchased 2,702,140 shares = 5.2% of 52,010,232 outstanding (annualized)

Are officers and directors buying stock with their own money on the open market?

5 open-market purchases by 2 insiders

• DELANEY TIMOTHY E () bought 22,730 shares at $42.97 on 2026-01-28
• DELANEY TIMOTHY E () bought 7,500 shares at $41.00 on 2025-11-06
• DELANEY TIMOTHY E () bought 2,500 shares at $40.90 on 2025-11-06
• DELANEY TIMOTHY E () bought 2,000 shares at $40.50 on 2025-10-31
• Brown Jason David () bought 350 shares at $41.10 on 2025-06-03

Are both company buybacks and insider buying independently active? Bull when the company is buying back stock in 2+ quarters and insiders have made 2+ open-market purchases.

Company buybacks in 2 quarters and 5 insider purchases by 2 insiders (no calendar overlap, but both independently active)

Over the last 90 days, are insiders net buyers or net sellers on the open market?

Insiders bought $1M, sold $0M in the last 90 days (net buying)

Active buyback + insiders net selling 3x+ more than buying. Company cash may be supporting price while insiders exit.

No buyback-insider divergence detected