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NBTB Overview

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$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
OverviewStock Price PredictionTechnicalValuationFinancialsEarningsShould I BuyNews & Events
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Intellectia

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High
45.020
Open
44.400
VWAP
44.57
Vol
269.09K
Mkt Cap
2.32B
Low
44.105
Amount
11.99M
EV/EBITDA(TTM)
8.73
Total Shares
52.01M
EV
2.43B
EV/OCF(TTM)
--
P/S(TTM)
3.90
NBT Bancorp Inc. is a financial holding company. The Company primarily operates through NBT Bank, N.A. (the Bank), a full-service community bank, and through two financial services subsidiaries. The Company’s business, primarily conducted through the Bank, consists of providing commercial banking, retail banking and wealth management services. The Bank offers a range of products and services tailored to individuals, businesses and municipalities. The Bank’s deposit products include demand deposit accounts, savings accounts, NOW accounts, MMDA and CD accounts. The Bank’s loan products include indirect and direct consumer loans, home equity loans and mortgages. The Bank has approximately 175 banking locations in New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Maine and Connecticut. The Company operates EPIC Retirement Plan Services, which is a national benefits administration firm. It operates NBT Insurance Agency, LLC, which is a full-service regional insurance agency.
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Events Timeline

(ET)
2026-04-23
16:30:00
NBT Reports Q1 Tangible Book Value per Share of $27.05
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2026-01-26 (ET)
2026-01-26
16:20:00
NBT Reports Q4 Tangible Book Value of $26.54
select
2025-10-27 (ET)
2025-10-27
16:20:36
NBT Bancorp announces Q3 operating EPS of $1.05, surpassing consensus estimate of 97 cents.
select

News

Yahoo Finance
6.5
04-25Yahoo Finance
Banking Sector Faces Disruption from Fintech
  • Banking Sector Growth: The banking industry has posted an 11.3% gain over the past six months, outperforming the S&P 500 by 6.3 percentage points, indicating improved net interest margins and robust credit growth, but future competition from fintech is expected to intensify.
  • Concerns on Old National Bank: Old National Bank's net interest margin stands at 3.5%, significantly below industry averages, and its five-year annual earnings per share growth of 5.8% suggests insufficient profitability, which may deter long-term investment interest.
  • NBT Bancorp's Lackluster Growth: NBT Bancorp has experienced only 9.3% annual sales growth, below typical banking standards, and its estimated net interest income growth of 6.7% for the next 12 months indicates a slowdown in demand, potentially leading to further market share loss.
  • Arbor Realty Trust's Capital Management Issues: Arbor Realty Trust has seen a decline in earnings per share over the past two years, with an annual tangible book value per share decrease of 5.1%, highlighting challenges in capital management during the current economic cycle, which could undermine investor confidence.
seekingalpha
9.5
04-24seekingalpha
NBT Bancorp Q1 2026 Earnings Call Insights
  • Strong Financial Performance: NBT Bancorp reported a net income of $51.1 million for Q1 2026, translating to $0.98 per diluted share, reflecting a 4.5% year-over-year growth that underscores the company's success in diversifying its revenue streams.
  • Capital Return Strategy: The company repurchased 250,000 shares in the first quarter, reaffirming its commitment to annual dividend growth while maintaining strong capital levels to support future M&A opportunities, highlighting its focus on shareholder returns.
  • Loan and Deposit Dynamics: Total loans stood at $11.5 billion, down $50.9 million from December 2025 primarily due to planned runoff in consumer and residential solar portfolios, while total deposits increased by $244 million, indicating a preference for low-cost deposit accounts among customers.
  • Market Outlook: Despite challenges from weather impacts and elevated commercial real estate payoffs, management expressed optimism about future loan growth, anticipating a return to low to mid-single-digit growth rates, while also noting positive customer contract activity tied to semiconductor-related projects.
NASDAQ.COM
2.0
04-24NASDAQ.COM
NBTB Q1 2026 Earnings Call Transcript
seekingalpha
9.5
04-23seekingalpha
NBT Bancorp Q1 Earnings Report Analysis
  • Earnings Performance: NBT Bancorp reported a Q1 GAAP EPS of $0.98, aligning with market expectations, indicating stability in the company's profitability.
  • Revenue Growth: The company posted revenues of $184.48 million, reflecting a year-over-year increase of 19.3%, although it fell short of analyst expectations by $0.59 million, highlighting competitive pressures in the market.
  • Market Expansion: Following the merger with Evans, NBT Bancorp has expanded its presence in Western New York, enhancing its regional competitiveness and signaling potential for future growth.
  • Margin Stability: The company indicated stability in its profit margins, suggesting effective management in cost control and operational efficiency, which is crucial for maintaining long-term financial health.
moomoo
9.5
04-23moomoo
NBT Bancorp Q1 Adjusted EPS at $0.97, Slightly Below IBES Estimate of $0.98
  • Financial Performance: NBT Bancorp reported adjusted earnings per share (EPS) of $0.97, slightly below the estimate of $0.98.
  • Market Comparison: The company's performance is being compared against estimates from other financial institutions, highlighting a minor shortfall in expected earnings.
Yahoo Finance
2.0
04-18Yahoo Finance
Market Recovery Boosts Investment Banking Stocks
  • Market Sentiment Recovery: As geopolitical risks subside, the outlook for investment banking and lending activities improves, leading to afternoon stock gains, with NBT Bancorp rising 3.2% and Banc of California up 2.4%, reflecting optimistic expectations for M&A activity.
  • Increased M&A Activity: The resurgence of risk-on sentiment typically triggers a rise in merger and acquisition (M&A) activity and initial public offerings (IPOs), allowing banks to benefit from increased fee-based revenues as corporate clients regain confidence to pursue previously shelved strategic deals.
  • Reduced Credit Risk: Falling energy prices diminish the risk of credit defaults in energy-sensitive sectors, enhancing the overall quality of bank loan portfolios, enabling banks to manage their capital reserves more effectively in a stable economic environment, alleviating fears of a sharp recession.
  • Investment Opportunities Arise: The market often overreacts to news, and significant price drops can present good opportunities for investors to buy high-quality stocks, with NBT Bancorp up 10.1% year-to-date and trading near its 52-week high, indicating strong long-term investment potential.
Wall Street analysts forecast NBTB stock price to rise
1 Analyst Rating
Wall Street analysts forecast NBTB stock price to rise
1 Buy
0 Hold
0 Sell
Moderate Buy
Current: 0.000
sliders
Low
47.00
Averages
47.00
High
47.00
Current: 0.000
sliders
Low
47.00
Averages
47.00
High
47.00
Keefe Bruyette
Market Perform
maintain
$47 -> $48
AI Analysis
2026-04-27
New
Reason
Keefe Bruyette
Price Target
$47 -> $48
AI Analysis
2026-04-27
New
maintain
Market Perform
Reason
Keefe Bruyette raised the firm's price target on NBT Bancorp to $48 from $47 and keeps a Market Perform rating on the shares.
Piper Sandler
Manuel Navas
Overweight
initiated
$50
2026-03-16
Reason
Piper Sandler
Manuel Navas
Price Target
$50
2026-03-16
initiated
Overweight
Reason
Piper Sandler analyst Manuel Navas assumed coverage of NBT Bancorp with an Overweight rating and $50 price target. The firm's bullish thesis is based on the bank's superior profitability metrics, consistently stronger funding base, and unique mix of fee-based businesses relative to peer banks.
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Valuation Metrics

The current forward P/E ratio for NBT Bancorp Inc (NBTB.O) is 13.40, compared to its 5-year average forward P/E of 12.07. For a more detailed relative valuation and DCF analysis to assess NBT Bancorp Inc's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
12.07
Current PE
13.40
Overvalued PE
13.54
Undervalued PE
10.60

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.64
Current EV/EBITDA
6.85
Overvalued EV/EBITDA
3.14
Undervalued EV/EBITDA
-1.87

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
3.11
Current PS
2.93
Overvalued PS
3.41
Undervalued PS
2.81

Financials

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Frequently Asked Questions

What is NBT Bancorp Inc (NBTB) stock price today?

The current price of NBTB is 44.57 USD — it has increased 1.3

What is NBT Bancorp Inc (NBTB)'s business?

NBT Bancorp Inc. is a financial holding company. The Company primarily operates through NBT Bank, N.A. (the Bank), a full-service community bank, and through two financial services subsidiaries. The Company’s business, primarily conducted through the Bank, consists of providing commercial banking, retail banking and wealth management services. The Bank offers a range of products and services tailored to individuals, businesses and municipalities. The Bank’s deposit products include demand deposit accounts, savings accounts, NOW accounts, MMDA and CD accounts. The Bank’s loan products include indirect and direct consumer loans, home equity loans and mortgages. The Bank has approximately 175 banking locations in New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Maine and Connecticut. The Company operates EPIC Retirement Plan Services, which is a national benefits administration firm. It operates NBT Insurance Agency, LLC, which is a full-service regional insurance agency.

What is the price predicton of NBTB Stock?

Wall Street analysts forecast NBTB stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for NBTB is47.00 USD with a low forecast of 47.00 USD and a high forecast of 47.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is NBT Bancorp Inc (NBTB)'s revenue for the last quarter?

NBT Bancorp Inc revenue for the last quarter amounts to 150.07M USD, increased 22.90

What is NBT Bancorp Inc (NBTB)'s earnings per share (EPS) for the last quarter?

NBT Bancorp Inc. EPS for the last quarter amounts to 0.98 USD, increased 27.27

How many employees does NBT Bancorp Inc (NBTB). have?

NBT Bancorp Inc (NBTB) has 2303 emplpoyees as of April 29 2026.

What is NBT Bancorp Inc (NBTB) market cap?

Today NBTB has the market capitalization of 2.32B USD.