What if you'd held NBTB?
A $1,000 investment in NBT Bancorp Inc. (NBTB) at the month-end close of 1992-03 would be worth $24,761 at the close of 2026-08 — +2376.1% total return, dividends reinvested. The same $1,000 in the S&P 500 would be worth $19,094.
Your scenario
Result
If you'd bought $1,000 at the start of each year
Value of $1,000 invested on January 1 of each year, held to 2026-08, dividends included.
Every year, $1,000 from 1992
| Year | Value of $1,000 | Year return |
|---|---|---|
| 1992 | $1,000 | — |
| 1993 | $1,348 | +34.8% |
| 1994 | $1,303 | -3.4% |
| 1995 | $1,485 | +14.0% |
| 1996 | $1,644 | +10.7% |
| 1997 | $2,648 | +61.1% |
| 1998 | $3,288 | +24.2% |
| 1999 | $2,348 | -28.6% |
| 2000 | $2,352 | +0.2% |
| 2001 | $2,432 | +3.4% |
| 2002 | $2,985 | +22.7% |
| 2003 | $3,883 | +30.1% |
| 2004 | $4,811 | +23.9% |
| 2005 | $4,174 | -13.2% |
| 2006 | $5,095 | +22.1% |
| 2007 | $4,720 | -7.4% |
| 2008 | $5,981 | +26.7% |
| 2009 | $4,523 | -24.4% |
| 2010 | $5,564 | +23.0% |
| 2011 | $5,295 | -4.8% |
| 2012 | $5,042 | -4.8% |
| 2013 | $6,686 | +32.6% |
| 2014 | $7,023 | +5.0% |
| 2015 | $7,708 | +9.8% |
| 2016 | $11,920 | +54.6% |
| 2017 | $10,735 | -9.9% |
| 2018 | $10,356 | -3.5% |
| 2019 | $12,489 | +20.6% |
| 2020 | $10,216 | -18.2% |
| 2021 | $12,629 | +23.6% |
| 2022 | $14,652 | +16.0% |
| 2023 | $14,636 | -0.1% |
| 2024 | $17,220 | +17.7% |
| 2025 | $15,466 | -10.2% |
| 2026 | $19,602 | +26.7% |
Best and worst month-end to buy
The best single month-end close to have bought NBTB was 1992-04 ($1.96): $1,000 then is $26,403 today. The worst was 2026-07 ($52.93): $1,000 then is $978.
FAQ
What would $1,000 in NBTB be worth today?
A $1,000 investment in NBT Bancorp Inc. (NBTB) at the start of 1992 would be worth about $24,761 today, a total return of +2376.1%. Dividends are reinvested in these figures.
What were the best and worst years for NBTB?
NBT Bancorp Inc. (NBTB)'s strongest calendar year since 1992 was 1997, a +61.1% return — $1,000 held through that year became about $1,611 by year-end. Its weakest year was 1999, at -28.6%.
Does the calculator include dividends and splits?
Yes where available. Prices are adjusted for both stock splits and reinvested dividends (total return), the same measure brokerages use.
How much would $100 per month in NBTB have grown?
Investing $100 at the end of every month since 1992-03 would have grown to about $235,332 on $41,400 invested.
Did NBTB beat the S&P 500?
Over the same period, $1,000 in the S&P 500 index would be worth $19,094. NBTB beat the S&P 500 by +29.7% in total return.
Is this investment advice?
No. Wall Street Regrets is an entertainment and education tool. Every number is a historical calculation, not a prediction, and past performance never guarantees future results.
Methodology
NBT Bancorp Inc. (NBTB) historical total-return data from 1992-03 to 2026-08, reduced to month-end closes for the tables above.
Returns use adjusted close prices from Yahoo Finance historical data — adjusted for stock splits and reinvested dividends — the same convention used by major brokerages. A "year" scenario invests $1,000 at the prior December's month-end close and values it at the latest available month-end close. Non-USD amounts are converted at historical month-end exchange rates (Yahoo Finance): to USD on the buy date and back to your currency at the latest rate, so the return reflects the currency move as well as the asset.
Month-end resolution means intra-month extremes are not captured in tables; the calculator uses exact trading-day closes where daily data is available. Figures ignore taxes, fees, and the currency effects of non-USD listings. History is not a forecast. Wall Street Regrets is entertainment, not investment advice.
What if you'd held…
Data: adjusted close prices via Yahoo Finance. As of 2026-08. Not financial advice.