NBTB PE Ratio & Valuation, Is NBTB Overvalued

Historical Valuation

NBT Bancorp Inc (NBTB) is now in the Undervalued zone, suggesting that its current forward PE ratio of 10.13 is considered Undervalued compared with the five-year average of 11.98. The fair price of NBT Bancorp Inc (NBTB) is between 42.97 to 52.48 according to relative valuation method. Compared to the current price of 41.47 USD , NBT Bancorp Inc By Undervalued By 3.48%.

Relative Value

Fair Zone

42.97-52.48

Current Price：41.47

3.48%

Undervalued

P/E

EV/EBITDA

EV/EBIT

P/S

P/OCF

P/FCF

Trailing

Forward

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NBT Bancorp Inc (NBTB) has a current Price-to-Book (P/B) ratio of 1.18. Compared to its 3-year average P/B ratio of 1.28, the current P/B ratio is approximately -7.98% higher. Relative to its 5-year average P/B ratio of 1.33, the current P/B ratio is about -11.23% higher. NBT Bancorp Inc (NBTB) has a Forward Free Cash Flow (FCF) yield of approximately 9.30%. Compared to its 3-year average FCF yield of 8.41%, the current FCF yield is approximately 10.62% lower. Relative to its 5-year average FCF yield of 8.82%, the current FCF yield is about 5.50% lower.

Competitors Valuation Multiple

AI Analysis

The average P/S ratio for NBTB competitors is 3.30, providing a benchmark for relative valuation. NBT Bancorp Inc Corp (NBTB.O) exhibits a P/S ratio of 2.88, which is -12.79% above the industry average. Given its robust revenue growth of 24.71%, this premium appears sustainable.

P/E

P/S

EV/EBITDA

EV/EBIT

Earnings Growth

Market Cap

Performance Decomposition

AI Analysis

Market capitalization of NBTB increased by 0.00% over the past 1 year(s). The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.

The secondary factor is the Unknown, contributed 0.00% to the performance.

Overall, the performance of NBTB in the past 1 year(s) is driven by Unknown.

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Frequently Asked Questions

Is NBTB currently overvalued or undervalued?

What is NBT Bancorp Inc (NBTB) fair value?

NBTB's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. The fair price of NBT Bancorp Inc (NBTB) is between 42.97 to 52.48 according to relative valuation method.

How does NBTB's valuation metrics compare to the industry average?

The average P/S ratio for NBTB's competitors is 3.30, providing a benchmark for relative valuation. NBT Bancorp Inc Corp (NBTB) exhibits a P/S ratio of 2.88, which is -12.79% above the industry average. Given its robust revenue growth of 24.71%, this premium appears sustainable.

What is the current P/B ratio for NBT Bancorp Inc (NBTB) as of Mar 16 2026?

As of Mar 16 2026, NBT Bancorp Inc (NBTB) has a P/B ratio of 1.18. This indicates that the market values NBTB at 1.18 times its book value.

What is the current FCF Yield for NBT Bancorp Inc (NBTB) as of Mar 16 2026?

As of Mar 16 2026, NBT Bancorp Inc (NBTB) has a FCF Yield of 9.30%. This means that for every dollar of NBT Bancorp Inc's market capitalization, the company generates 9.30 cents in free cash flow.

What is the current Forward P/E ratio for NBT Bancorp Inc (NBTB) as of Mar 16 2026?

As of Mar 16 2026, NBT Bancorp Inc (NBTB) has a Forward P/E ratio of 10.13. This means the market is willing to pay $10.13 for every dollar of NBT Bancorp Inc's expected earnings over the next 12 months.

What is the current Forward P/S ratio for NBT Bancorp Inc (NBTB) as of Mar 16 2026?

As of Mar 16 2026, NBT Bancorp Inc (NBTB) has a Forward P/S ratio of 2.88. This means the market is valuing NBTB at $2.88 for every dollar of expected revenue over the next 12 months.

NBTB Valuation