Insider sale details
Amy Wiles, who serves as Executive Vice President and Chief Risk and Credit Officer at NBT Bancorp Inc., sold 4,435 shares of the company's common stock on February 17, 2026, according to a Form 4 filing. The shares were disposed of at an average price of $45.7208, with individual sale prices ranging from $45.595 to $45.85. The aggregate value of the transaction was $202,771.
Post-transaction holdings and company snapshot
Following the sale, Wiles directly owns 21,500 shares of NBT Bancorp common stock. The bank, a regional financial institution with a market capitalization of $2.38 billion, was trading at $45.48 and carried a price-to-earnings ratio of 13.69 at the time of the report.
Valuation and analyst context
A valuation analysis included with the report indicated the stock appears undervalued relative to a Fair Value estimate. The company offers a dividend yield of 3.24% and has a record of paying dividends for 41 consecutive years, including 13 straight years of increases. Analyst coverage cited in the material classifies the stock as a moderate buy, and the firm is assigned an overall financial health score described as "GOOD." The bank is also noted as being among more than 1,400 U.S. equities covered by comprehensive research reports that translate financial data into actionable intelligence.
Recent financial performance
NBT Bancorp released fourth-quarter 2025 results that slightly outperformed consensus expectations. The company reported diluted earnings per share of $1.06, above the forecast of $0.98. Quarterly revenue totaled $185 million, versus an expected $184.24 million. Despite the modest beats, the stock experienced a minor decline in after-hours trading following the release. The materials accompanying the report do not include detailed analyst reactions to the quarterly results.
Key takeaways
- Senior executive Amy Wiles sold 4,435 shares on February 17, 2026, for $202,771 in total.
- After the sale, Wiles retains direct ownership of 21,500 shares.
- NBT Bancorp posted Q4 2025 diluted EPS of $1.06 and revenue of $185 million, both modestly above expectations, though shares ticked lower after hours.
Market and sector implications
The activity and results are primarily relevant to the regional banking and financial services sectors and may be of interest to dividend-focused and valuation-oriented investors monitoring bank fundamentals and insider transactions.
Risks and uncertainties
- Insider selling - The reported sale by a senior executive could raise questions for some investors about internal liquidity decisions or portfolio rebalancing; this directly impacts investor perception in the banking sector.
- Market reaction to earnings - Although the company beat modestly on EPS and revenue, the stock registered a slight after-hours decline, illustrating potential short-term volatility in response to earnings even when results exceed forecasts; this affects equity market sentiment in financials.
- Limited analyst commentary - The absence of detailed analyst reactions to the quarter in the released material leaves an information gap that could contribute to uncertainty among market participants evaluating the bank's outlook.