Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
The yield on cost (YOC) is 2.95%.
YIELD ON COST (YOC)
2.95%
NBTB now pays $1.51 per share a year. Measured against the price it actually traded at back then, a long-term holder is earning:
| If you bought | Price then | Yield on cost today |
|---|---|---|
| 10 years ago(2016-10-04) | $32.93 | 4.59% |
| 5 years ago(2021-09-30) | $36.12 | 4.18% |
| 3 years ago(2023-10-03) | $31.73 | 4.76% |
| 1 year ago(2025-10-07) | $41.28 | 3.66% |
| Buying today(at $50.45) | $50.45 | 2.95% |
Projection: starting from today's 2.95% yield, assuming the dividend keeps compounding at 6.6% a year — the recent growth rate of its annual payout. Boards set dividends each year, so actual figures will differ.
Today
2.95%
In 3 years
3.57%
In 5 years
4.06%
In 10 years
5.59%
Try your own purchase price, dividend and growth rate for NBT Bancorp Inc. (NBTB).
Starting Yield
2.99%
Ending YOC
6.81%
Year 15 Dividend
$3.43
Cum. Dividends Recd.
$36.10
| Year | Projected Div. / Share | YoY Dividend Hike | Yield on Cost (YOC) | Total Dividends Recd. |
|---|---|---|---|---|
| Initial | $1.51 | N/A | 2.99% | $0.00 |
| Year 1 | $1.60 | +5.63% | 3.16% | $1.60 |
| Year 2 | $1.68 | +5.63% | 3.34% | $3.28 |
| Year 3 | $1.78 | +5.63% | 3.53% | $5.06 |
| Year 4 | $1.88 | +5.63% | 3.73% | $6.94 |
| Year 5 | $1.99 | +5.63% | 3.94% | $8.93 |
| Year 6 | $2.10 | +5.63% | 4.16% | $11.02 |
| Year 7 | $2.22 | +5.63% | 4.39% | $13.24 |
| Year 8 | $2.34 | +5.63% | 4.64% | $15.58 |
| Year 9 | $2.47 | +5.63% | 4.90% | $18.05 |
| Year 10 | $2.61 | +5.63% | 5.18% | $20.66 |
| Year 11 | $2.76 | +5.63% | 5.47% | $23.42 |
| Year 12 | $2.91 | +5.63% | 5.77% | $26.33 |
| Year 13 | $3.08 | +5.63% | 6.10% | $29.41 |
| Year 14 | $3.25 | +5.63% | 6.44% | $32.66 |
| Year 15 | $3.43 | +5.63% | 6.81% | $36.10 |
Yield on cost is the dividend yield measured against your original purchase price, not today's price. As a company raises its dividend, the yield on what you actually paid keeps rising even when the market yield holds steady.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
