A dividend is that coveted distribution of a company's earnings paid out to shareholders, and investors often view it by its dividend yield, a metric that measures the dividend as a percent of the current stock price. Many academic studies show that dividends make up large portions of long-term returns, and in many cases, dividend contributions surpass one-third of total returns. NBT Bancorp in Focus Headquartered in Norwich, NBT Bancorp (NBTB) is a Finance stock that has seen a price change of -2.44% so far this year.