NEW YORK (

TheStreet

) -- The ex-dividend date for

NBT Bancorp Inc

(Nasdaq:

NBTB

) is tomorrow, November 29, 2011. Owners of shares as of market close today will be eligible for a dividend of 20 cents per share. At a price of $19.71 as of 9:35 a.m. ET, the dividend yield is 4.1%.

The average volume for NBT has been 125,200 shares per day over the past 30 days. NBT has a market cap of $669.7 million and is part of the

financial

sector and

banking

industry. Shares are down 20.2% year to date as of the close of trading on Friday.

NBT Bancorp Inc., a financial holding company, provides commercial banking and financial services to individuals, corporations, and municipalities in central and upstate New York, northeastern Pennsylvania, and the greater Burlington, Vermont area. The company has a P/E ratio of 11.5, below the average banking industry P/E ratio of 11.9 and below the S&P 500 P/E ratio of 17.7.

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TheStreet Ratings rates NBT as a

buy

. The company's strengths can be seen in multiple areas, such as its growth in earnings per share, expanding profit margins, good cash flow from operations, notable return on equity and increase in net income. We feel these strengths outweigh the fact that the company has had lackluster performance in the stock itself. You can view the full

NBT Ratings Report

.

See our

dividend calendar

or

top-yielding stocks list

.

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