NBT Bancorp Inc. (NBTB) Stock Total Returns
Growth of $10,000 chart
2021-04-14 to 2026-04-14 to
$
%
%
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Investment Performance
Final Value
$13,156
Total Return
31.56%
CAGR
5.64%
Dividends
$1,731.51
Yield on Cost
17.32%
Rolling Returns
1-Month (21 Trading Days)
| Average | +0.71% |
| Median | +0.25% |
| Best | +36.99% |
| Worst | -17.58% |
| % of Windows Positive | 51.5% |
1-Year (252 Trading Days)
| Average | +7.44% |
| Median | +3.36% |
| Best | +51.50% |
| Worst | -27.28% |
| % of Windows Positive | 54.2% |
3-Year (756 Trading Days)
| Average | +22.15% |
| Median | +22.51% |
| Best | +64.11% |
| Worst | -10.51% |
| % of Windows Positive | 91.8% |
Risk Metrics
| Maximum Drawdown | -38.06% |
| Average Drawdown | -14.47% |
| Drawdown Duration | 420 Trading Days |
| Sortino Ratio | 0.50 |
| Calmar Ratio | 0.15 |
| CVaR (5%) | -3.96% |
Yearly Returns
| Year | Percentage | Abs. Return | Dividends | Taxes | Trans. Costs |
|---|---|---|---|---|---|
| 2026 partial | +9.59% (+37.94% ann.) | +$959.07 | $89.11 | $17.82 | $0.14 |
| 2025 | -10.77% | $1077.04 | $300.17 | $60.03 | $0.48 |
| 2024 | +16.89% | +$1689.18 | $318.35 | $63.67 | $0.51 |
| 2023 | -0.78% | $78.07 | $288.47 | $57.69 | $0.46 |
| 2022 | +15.36% | +$1536.28 | $303.91 | $60.78 | $0.49 |
| 2021 | +22.89% | +$2289.42 | $345.74 | $69.15 | $0.55 |
| 2020 | -18.68% | $1868.23 | $268.88 | $53.78 | $0.43 |
| 2019 | +19.91% | +$1990.91 | $306.13 | $61.23 | $0.49 |
| 2018 | -4.02% | $402.27 | $271.20 | $54.24 | $0.43 |
| 2017 | -10.36% | $1036.15 | $221.29 | $44.26 | $0.35 |
| 2016 | +53.73% | +$5372.52 | $325.92 | $65.18 | $0.52 |
| 2015 | +8.99% | +$899.32 | $334.70 | $66.94 | $0.54 |
| 2014 | +4.33% | +$432.80 | $327.86 | $65.57 | $0.52 |
| 2013 | +31.60% | +$3160.37 | $404.34 | $80.87 | $0.65 |
| 2012 | -5.53% | $553.48 | $365.62 | $73.12 | $0.59 |
| 2011 | -5.53% | $552.86 | $334.94 | $66.99 | $0.54 |
| 2010 | +22.11% | +$2211.04 | $397.12 | $79.42 | $0.64 |
| 2009 | -24.89% | $2488.60 | $289.47 | $57.89 | $0.46 |
| 2008 | +25.85% | +$2584.55 | $354.36 | $70.87 | $0.57 |
| 2007 | -8.06% | $806.44 | $312.95 | $62.59 | $0.50 |
| 2006 | +21.29% | +$2128.53 | $355.58 | $71.12 | $0.57 |
| 2005 | -13.84% | $1383.93 | $298.37 | $59.67 | $0.48 |
| 2004 | +23.10% | +$2310.47 | $348.65 | $69.73 | $0.56 |
| 2003 | +29.12% | +$2911.76 | $402.79 | $80.56 | $0.64 |
| 2002 | +21.74% | +$2173.70 | $475.44 | $95.09 | $0.76 |
| 2001 | +2.58% | +$257.85 | $470.84 | $94.17 | $0.75 |
| 2000 | -1.12% | $112.34 | $446.88 | $89.38 | $0.71 |
| 1999 | -28.98% | $2897.78 | $219.55 | $43.91 | $0.35 |
| 1998 | +23.69% | +$2368.74 | $300.44 | $60.09 | $0.48 |
| 1997 | +60.29% | +$6028.77 | $262.80 | $52.56 | $0.42 |
| 1996 | +10.07% | +$1006.65 | $224.28 | $44.86 | $0.36 |
| 1995 | +13.35% | +$1335.05 | $219.47 | $43.89 | $0.35 |
| 1994 | -3.51% | $350.71 | $184.53 | $36.91 | $0.30 |
| 1993 | +34.31% | +$3431.13 | $228.88 | $45.77 | $0.37 |
| 1992 partial | +28.51% (+37.30% ann.) | +$2850.59 | $178.97 | $35.79 | $0.28 |
Market Regimes
| Regime | Period | Percentage | Annual | Abs. Return | Dividends | Taxes | Trans. Costs |
|---|---|---|---|---|---|---|---|
| Dot-com bubble / TMT mania | August 9, 1995 – March 10, 2000 | +60.65% | +10.89% | +$6065.05 | $2030.52 | $406.11 | $3.26 |
| Dot-com bust / post-bubble disinflation scare | March 13, 2000 – October 9, 2002 | +33.73% | +11.96% | +$3373.07 | $1397.81 | $279.56 | $2.24 |
| China-WTO / housing-credit / commodity boom | October 10, 2002 – October 9, 2007 | +68.23% | +10.97% | +$6822.60 | $2448.04 | $489.60 | $3.92 |
| GFC / deleveraging / dollar shortage | October 10, 2007 – March 9, 2009 | -31.09% | -23.17% | $3109.34 | $515.03 | $103.01 | $0.82 |
| Policy-led rebound / euro-sovereign-crisis overlay | March 10, 2009 – July 25, 2012 | +30.69% | +8.25% | +$3068.93 | $1569.35 | $313.87 | $2.51 |
| Secular stagnation / QE / low inflation / duration bull | July 26, 2012 – February 19, 2020 | +129.25% | +11.59% | +$12924.57 | $3644.90 | $728.98 | $5.83 |
| Pandemic shock / liquidity crash | February 20, 2020 – March 23, 2020 | -24.77% | -96.12% | $2477.48 | $68.32 | $13.66 | $0.11 |
| Policy bazooka / monetary euphoria | March 24, 2020 – November 6, 2020 | -14.85% | -22.80% | $1485.42 | $170.99 | $34.20 | $0.27 |
| Reopening reflation / fiscal boom / supply bottlenecks | November 9, 2020 – November 29, 2021 | +23.44% | +22.12% | +$2344.46 | $364.25 | $72.85 | $0.58 |
| Inflation shock / duration crash / aggressive tightening | November 30, 2021 – November 9, 2022 | +32.01% | +34.30% | +$3201.35 | $316.67 | $63.33 | $0.51 |
| Disinflation rebound / AI-led narrow bull / higher-for-longer | November 10, 2022 – September 17, 2024 | -1.02% | -0.55% | $101.81 | $538.91 | $107.78 | $0.86 |
| Disinflationary easing / resilient growth / AI capex under oil-shock test partial | September 18, 2024 – April 14, 2026 | +3.93% | +2.49% | +$393.42 | $478.81 | $95.76 | $0.77 |
Dividend History
Annual Dividends Per Share
TTM Yield
—
Consecutive Years Paid
— current
Consecutive Years of Growth
— current
| Date | Per Share | Yield % |
|---|---|---|
| 1992-05-26 | $0.0543 | 0.89% |
| 1992-09-01 | $0.0543 | 0.71% |
| 1993-02-23 | $0.0586 | 0.80% |
| 1993-05-25 | $0.0586 | 0.65% |
| 1993-08-26 | $0.0586 | 0.63% |
| 1994-02-23 | $0.0588 | 0.58% |
| 1994-05-25 | $0.0644 | 0.69% |
| 1994-08-26 | $0.0644 | 0.73% |
| 1995-02-27 | $0.0705 | 0.72% |
| 1995-05-25 | $0.0705 | 0.76% |
| 1995-08-30 | $0.0705 | 0.75% |
| 1996-02-28 | $0.0802 | 0.80% |
| 1996-05-29 | $0.0802 | 0.76% |
| 1996-08-28 | $0.0802 | 0.78% |
| 1997-02-26 | $0.0972 | 0.81% |
| 1997-05-28 | $0.0972 | 0.72% |
| 1997-08-28 | $0.1101 | 0.69% |
| 1998-02-25 | $0.1156 | 0.65% |
| 1998-05-28 | $0.1156 | 0.52% |
| 1998-08-28 | $0.1542 | 0.69% |
| 1998-11-27 | $0.1619 | 0.69% |
| 1999-02-25 | $0.1619 | 0.76% |
| 1999-05-27 | $0.1619 | 0.83% |
| 1999-08-30 | $0.1619 | 0.90% |
| 2000-02-28 | $0.1700 | 1.39% |
| 2000-05-30 | $0.1700 | 1.70% |
| 2000-08-30 | $0.1700 | 1.55% |
| 2000-11-29 | $0.1700 | 1.20% |
| 2001-02-27 | $0.1700 | 0.99% |
| 2001-05-30 | $0.1700 | 1.10% |
| 2001-08-29 | $0.1700 | 1.05% |
| 2001-11-28 | $0.1700 | 1.16% |
| 2002-02-27 | $0.1700 | 1.23% |
| 2002-05-29 | $0.1700 | 0.98% |
| 2002-08-28 | $0.1700 | 0.97% |
| 2002-11-26 | $0.1700 | 0.95% |
| 2003-02-26 | $0.1700 | 0.96% |
| 2003-05-28 | $0.1700 | 0.92% |
| 2003-08-27 | $0.1700 | 0.81% |
| 2003-11-26 | $0.1700 | 0.78% |
| 2004-02-26 | $0.1700 | 0.76% |
| 2004-05-27 | $0.1900 | 0.86% |
| 2004-08-30 | $0.1900 | 0.85% |
| 2004-11-29 | $0.1900 | 0.75% |
| 2005-02-25 | $0.1900 | 0.84% |
| 2005-05-27 | $0.1900 | 0.81% |
| 2005-08-30 | $0.1900 | 0.80% |
| 2005-11-29 | $0.1900 | 0.83% |
| 2006-02-27 | $0.1900 | 0.83% |
| 2006-05-30 | $0.1900 | 0.83% |
| 2006-08-30 | $0.1900 | 0.81% |
| 2006-11-29 | $0.1900 | 0.77% |
| 2007-02-27 | $0.1900 | 0.79% |
| 2007-05-30 | $0.2000 | 0.87% |
| 2007-08-29 | $0.2000 | 0.93% |
| 2007-11-28 | $0.2000 | 0.85% |
| 2008-02-27 | $0.2000 | 0.95% |
| 2008-05-28 | $0.2000 | 0.82% |
| 2008-08-27 | $0.2000 | 0.81% |
| 2008-11-26 | $0.2000 | 0.77% |
| 2009-02-25 | $0.2000 | 0.98% |
| 2009-05-28 | $0.2000 | 0.93% |
| 2009-08-28 | $0.2000 | 0.86% |
| 2009-11-27 | $0.2000 | 0.97% |
| 2010-02-25 | $0.2000 | 0.91% |
| 2010-05-27 | $0.2000 | 0.91% |
| 2010-08-30 | $0.2000 | 0.96% |
| 2010-11-29 | $0.2000 | 0.89% |
| 2011-02-25 | $0.2000 | 0.90% |
| 2011-05-27 | $0.2000 | 0.93% |
| 2011-08-30 | $0.2000 | 0.97% |
| 2011-11-29 | $0.2000 | 1.00% |
| 2012-02-28 | $0.2000 | 0.89% |
| 2012-05-30 | $0.2000 | 0.98% |
| 2012-08-29 | $0.2000 | 0.94% |
| 2012-11-28 | $0.2000 | 1.02% |
| 2013-02-27 | $0.2000 | 0.97% |
| 2013-05-29 | $0.2000 | 0.97% |
| 2013-08-28 | $0.2000 | 0.92% |
| 2013-11-26 | $0.2100 | 0.82% |
| 2014-02-26 | $0.2100 | 0.91% |
| 2014-05-28 | $0.2100 | 0.90% |
| 2014-08-27 | $0.2100 | 0.86% |
| 2014-11-26 | $0.2100 | 0.84% |
| 2015-02-25 | $0.2100 | 0.86% |
| 2015-05-27 | $0.2200 | 0.89% |
| 2015-08-28 | $0.2200 | 0.86% |
| 2015-11-27 | $0.2200 | 0.72% |
| 2016-02-26 | $0.2200 | 0.84% |
| 2016-05-27 | $0.2200 | 0.75% |
| 2016-08-30 | $0.2300 | 0.72% |
| 2016-11-29 | $0.2300 | 0.59% |
| 2017-02-27 | $0.2300 | 0.55% |
| 2017-05-30 | $0.2300 | 0.64% |
| 2017-08-30 | $0.2300 | 0.70% |
| 2017-11-30 | $0.2300 | 0.57% |
| 2018-02-28 | $0.2300 | 0.64% |
| 2018-05-31 | $0.2500 | 0.65% |
| 2018-08-30 | $0.2500 | 0.62% |
| 2018-11-29 | $0.2600 | 0.67% |
| 2019-02-28 | $0.2600 | 0.67% |
| 2019-05-30 | $0.2600 | 0.70% |
| 2019-08-29 | $0.2600 | 0.75% |
| 2019-11-27 | $0.2700 | 0.67% |
| 2020-02-27 | $0.2700 | 0.73% |
| 2020-05-29 | $0.2700 | 0.84% |
| 2020-08-31 | $0.2700 | 0.87% |
| 2020-11-30 | $0.2700 | 0.86% |
| 2021-02-26 | $0.2700 | 0.72% |
| 2021-05-28 | $0.2700 | 0.69% |
| 2021-08-31 | $0.2800 | 0.78% |
| 2021-11-30 | $0.2800 | 0.77% |
| 2022-02-28 | $0.2800 | 0.73% |
| 2022-05-31 | $0.2800 | 0.75% |
| 2022-08-31 | $0.3000 | 0.77% |
| 2022-11-30 | $0.3000 | 0.64% |
| 2023-02-28 | $0.3000 | 0.74% |
| 2023-05-31 | $0.3000 | 0.86% |
| 2023-08-31 | $0.3200 | 0.94% |
| 2023-11-30 | $0.3200 | 0.89% |
| 2024-02-29 | $0.3200 | 0.95% |
| 2024-06-03 | $0.3200 | 0.86% |
| 2024-08-30 | $0.3400 | 0.69% |
| 2024-12-02 | $0.3400 | 0.68% |
| 2025-03-03 | $0.3400 | 0.71% |
| 2025-06-02 | $0.3400 | 0.81% |
| 2025-08-29 | $0.3700 | 0.83% |
| 2025-12-01 | $0.3700 | 0.89% |
| 2026-03-02 | $0.3700 | 0.87% |
| Total | 129 payments |
Portfolio Dividend Returns
Based on $10,000 initial investment, 20% tax rate, 0.2% transaction cost. Showing 2021-04-14 to 2026-04-14. Change
| Date | Total Yield | Tax | Trans. Cost | Shares Bought |
|---|---|---|---|---|
| 2021-05-28 | $69.23 | $13.85 | $0.11 | 1.4176 |
| 2021-08-31 | $72.19 | $14.44 | $0.12 | 1.6073 |
| 2021-11-30 | $72.64 | $14.53 | $0.12 | 1.6061 |
| 2022-02-28 | $73.09 | $14.62 | $0.12 | 1.5209 |
| 2022-05-31 | $73.52 | $14.70 | $0.12 | 1.5872 |
| 2022-08-31 | $79.24 | $15.85 | $0.13 | 1.6315 |
| 2022-11-30 | $79.73 | $15.95 | $0.13 | 1.3791 |
| 2023-02-28 | $80.15 | $16.03 | $0.13 | 1.5765 |
| 2023-05-31 | $80.62 | $16.12 | $0.13 | 1.9186 |
| 2023-08-31 | $86.61 | $17.32 | $0.14 | 2.0090 |
| 2023-11-30 | $87.25 | $17.45 | $0.14 | 1.9607 |
| 2024-02-29 | $87.88 | $17.58 | $0.14 | 2.0402 |
| 2024-06-03 | $88.53 | $17.71 | $0.14 | 1.9586 |
| 2024-08-30 | $94.73 | $18.95 | $0.15 | 1.5448 |
| 2024-12-02 | $95.26 | $19.05 | $0.15 | 1.5253 |
| 2025-03-03 | $95.78 | $19.15 | $0.15 | 1.6163 |
| 2025-06-02 | $96.33 | $19.27 | $0.15 | 1.8753 |
| 2025-08-29 | $105.52 | $21.10 | $0.17 | 1.9030 |
| 2025-12-01 | $106.22 | $21.24 | $0.17 | 2.0416 |
| 2026-03-02 | $106.98 | $21.40 | $0.17 | 1.9965 |
| Total | $1731.51 | $346.30 | $2.77 | 34.7162 |
All calculations use split-adjusted closing prices. Dividends are reinvested on the ex-dividend date at that day's closing price.
For each rolling window, returns are calculated at every possible starting point:
return = (value[i] ÷ value[i − windowSize] − 1) × 100
- Windows
- 1-month = 21 trading days, 1-year = 252 trading days, 3-year = 756 trading days.
- Statistics
- Average: arithmetic mean. Median: middle value when sorted. Best / Worst: max and min. % Positive: share of windows with return > 0.
The series is segmented by calendar year:
return = (endValue ÷ startValue − 1) × 100
startValue is the last value of the prior year (or the first value for the initial year). Partial first/last years are flagged. Dividends, taxes, and transaction costs are scaled proportionally to the initial investment.