{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "f3312068-4923-4c2e-847b-ad46ee62607b",
    "symbol": "NBTB",
    "name": "NBT Bancorp Inc",
    "exchange": "NASDAQ",
    "country_code": "US",
    "country_name": "United States",
    "sector": "Financial Services",
    "industry": "Banks - Regional",
    "chart_url": "https://sharemaestro.com/terminal/f3312068-4923-4c2e-847b-ad46ee62607b/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "f3312068-4923-4c2e-847b-ad46ee62607b",
      "symbol": "NBTB",
      "name": "NBT Bancorp Inc",
      "exchange": "NASDAQ",
      "country_code": "US",
      "country_name": "United States",
      "sector": "Financial Services",
      "industry": "Banks - Regional",
      "chart_url": "https://sharemaestro.com/terminal/f3312068-4923-4c2e-847b-ad46ee62607b/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "NBTB",
    "market_cap_usd": 2413794867.12,
    "price": 48.18,
    "currency": "USD",
    "dividend_yield": 0.031,
    "dividend_years": 34,
    "dividend_growth_5y": 0.05626507,
    "dividend_cut_5y": false,
    "payout_ratio": 0.4096,
    "net_income": 169235000.0,
    "free_cash_flow": 218916000.0,
    "fcf_covers_dividend": true,
    "debt_to_equity": 0.09458469,
    "revenue_growth_5y": 0.12042909,
    "net_margin": 0.26362,
    "roe": 0.10553,
    "pe_ratio": 13.610169,
    "price_vs_ma": 0.11331444,
    "return_3y": 0.65854522,
    "return_5y": 0.51352896,
    "max_drawdown": -0.33408286,
    "scores": {
      "dividend_reliability": 25.0,
      "dividend_sustainability": 20.0,
      "business_quality": 22.5,
      "valuation": 15.0,
      "trend": 15.0,
      "total": 97.5,
      "confidence": 100.0
    },
    "rating": "exceptional",
    "rating_label": "Exceptional Dividend Compounder",
    "decision": "buyable_now",
    "decision_label": "Buyable Now",
    "warnings": [],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/f3312068-4923-4c2e-847b-ad46ee62607b/",
      "chart": "https://sharemaestro.com/terminal/f3312068-4923-4c2e-847b-ad46ee62607b/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 25.0,
    "dividend_sustainability": 20.0,
    "business_quality": 22.5,
    "valuation": 15.0,
    "trend": 15.0,
    "total": 97.5,
    "confidence": 100.0
  },
  "warnings": [],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "qualified",
      "severity": "positive",
      "ticker": "NBTB",
      "exchange": "NASDAQ",
      "headline": "NBTB qualified as a dividend compounder candidate",
      "detail": "Score 97.5/100, decision Buyable Now.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f3312068-4923-4c2e-847b-ad46ee62607b/"
    },
    {
      "event_date": "2026-06-01",
      "event_type": "payment",
      "severity": "info",
      "ticker": "NBTB",
      "exchange": "NASDAQ",
      "headline": "NBTB dividend payment 0.37 USD",
      "detail": "Recorded dividend payment for NBT Bancorp Inc.",
      "amount": 0.37,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f3312068-4923-4c2e-847b-ad46ee62607b/"
    },
    {
      "event_date": "2026-03-02",
      "event_type": "payment",
      "severity": "info",
      "ticker": "NBTB",
      "exchange": "NASDAQ",
      "headline": "NBTB dividend payment 0.37 USD",
      "detail": "Recorded dividend payment for NBT Bancorp Inc.",
      "amount": 0.37,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f3312068-4923-4c2e-847b-ad46ee62607b/"
    },
    {
      "event_date": "2025-12-01",
      "event_type": "payment",
      "severity": "info",
      "ticker": "NBTB",
      "exchange": "NASDAQ",
      "headline": "NBTB dividend payment 0.37 USD",
      "detail": "Recorded dividend payment for NBT Bancorp Inc.",
      "amount": 0.37,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f3312068-4923-4c2e-847b-ad46ee62607b/"
    },
    {
      "event_date": "2025-08-29",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "NBTB",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 8.8%",
      "detail": "Payment changed from 0.34 to 0.37.",
      "amount": 0.37,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f3312068-4923-4c2e-847b-ad46ee62607b/"
    },
    {
      "event_date": "2025-08-29",
      "event_type": "payment",
      "severity": "info",
      "ticker": "NBTB",
      "exchange": "NASDAQ",
      "headline": "NBTB dividend payment 0.37 USD",
      "detail": "Recorded dividend payment for NBT Bancorp Inc.",
      "amount": 0.37,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f3312068-4923-4c2e-847b-ad46ee62607b/"
    },
    {
      "event_date": "2025-06-02",
      "event_type": "payment",
      "severity": "info",
      "ticker": "NBTB",
      "exchange": "NASDAQ",
      "headline": "NBTB dividend payment 0.34 USD",
      "detail": "Recorded dividend payment for NBT Bancorp Inc.",
      "amount": 0.34,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f3312068-4923-4c2e-847b-ad46ee62607b/"
    },
    {
      "event_date": "2025-03-03",
      "event_type": "payment",
      "severity": "info",
      "ticker": "NBTB",
      "exchange": "NASDAQ",
      "headline": "NBTB dividend payment 0.34 USD",
      "detail": "Recorded dividend payment for NBT Bancorp Inc.",
      "amount": 0.34,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f3312068-4923-4c2e-847b-ad46ee62607b/"
    },
    {
      "event_date": "2024-12-02",
      "event_type": "payment",
      "severity": "info",
      "ticker": "NBTB",
      "exchange": "NASDAQ",
      "headline": "NBTB dividend payment 0.34 USD",
      "detail": "Recorded dividend payment for NBT Bancorp Inc.",
      "amount": 0.34,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f3312068-4923-4c2e-847b-ad46ee62607b/"
    },
    {
      "event_date": "2024-08-30",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "NBTB",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 6.2%",
      "detail": "Payment changed from 0.32 to 0.34.",
      "amount": 0.34,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f3312068-4923-4c2e-847b-ad46ee62607b/"
    },
    {
      "event_date": "2024-08-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "NBTB",
      "exchange": "NASDAQ",
      "headline": "NBTB dividend payment 0.34 USD",
      "detail": "Recorded dividend payment for NBT Bancorp Inc.",
      "amount": 0.34,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f3312068-4923-4c2e-847b-ad46ee62607b/"
    },
    {
      "event_date": "2024-06-03",
      "event_type": "payment",
      "severity": "info",
      "ticker": "NBTB",
      "exchange": "NASDAQ",
      "headline": "NBTB dividend payment 0.32 USD",
      "detail": "Recorded dividend payment for NBT Bancorp Inc.",
      "amount": 0.32,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f3312068-4923-4c2e-847b-ad46ee62607b/"
    },
    {
      "event_date": "2024-02-29",
      "event_type": "payment",
      "severity": "info",
      "ticker": "NBTB",
      "exchange": "NASDAQ",
      "headline": "NBTB dividend payment 0.32 USD",
      "detail": "Recorded dividend payment for NBT Bancorp Inc.",
      "amount": 0.32,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f3312068-4923-4c2e-847b-ad46ee62607b/"
    },
    {
      "event_date": "2023-11-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "NBTB",
      "exchange": "NASDAQ",
      "headline": "NBTB dividend payment 0.32 USD",
      "detail": "Recorded dividend payment for NBT Bancorp Inc.",
      "amount": 0.32,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f3312068-4923-4c2e-847b-ad46ee62607b/"
    },
    {
      "event_date": "2023-08-31",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "NBTB",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 6.7%",
      "detail": "Payment changed from 0.3 to 0.32.",
      "amount": 0.32,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f3312068-4923-4c2e-847b-ad46ee62607b/"
    },
    {
      "event_date": "2023-08-31",
      "event_type": "payment",
      "severity": "info",
      "ticker": "NBTB",
      "exchange": "NASDAQ",
      "headline": "NBTB dividend payment 0.32 USD",
      "detail": "Recorded dividend payment for NBT Bancorp Inc.",
      "amount": 0.32,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f3312068-4923-4c2e-847b-ad46ee62607b/"
    },
    {
      "event_date": "2022-08-31",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "NBTB",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 7.1%",
      "detail": "Payment changed from 0.28 to 0.3.",
      "amount": 0.3,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f3312068-4923-4c2e-847b-ad46ee62607b/"
    },
    {
      "event_date": "2018-05-31",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "NBTB",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 8.7%",
      "detail": "Payment changed from 0.23 to 0.25.",
      "amount": 0.25,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f3312068-4923-4c2e-847b-ad46ee62607b/"
    },
    {
      "event_date": "2007-05-30",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "NBTB",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 5.3%",
      "detail": "Payment changed from 0.19 to 0.2.",
      "amount": 0.2,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f3312068-4923-4c2e-847b-ad46ee62607b/"
    }
  ]
}