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NEW YORK ( TheStreet) -- The ex-dividend date for NBT Bancorp Inc (Nasdaq: NBTB) is tomorrow, August 30, 2011. Owners of shares as of market close today will be eligible for a dividend of 20 cents per share. At a price of $19.82 as of 9:30 a.m. ET, the dividend yield is 4.1%. The average volume for NBT has been 107,700 shares per day over the past 30 days. NBT has a market cap of $649 million and is part of the financial sector and banking industry. Shares are down 18.7% 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, equal to the average banking industry P/E ratio and below the S&P 500 P/E ratio of 17.7.