Stock Price & Analysis

NBTB

0.000

0.000(0%)6M

NBTB Stock Price Chart

YTD

NBTB Key Stats

High

42.940

Vol

188.57K

Low

42.065

Amount

8.05M

Open

42.170

VWAP

42.70

Mkt Cap

2.03B

EV/EBITDA(TTM)

11.00

NBTB Company Profile

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 companies. The Bank provides a range of financial products to individuals, corporations and municipalities throughout upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine and central and northwestern Connecticut. Through its network of branch locations, the Bank offers a range of products and services tailored to individuals, businesses and municipalities. Deposit products offered by the Bank include demand deposit accounts, savings accounts, negotiable order of withdrawal (NOW) accounts, and certificate of deposit (CD) accounts. It operates EPIC Advisors, Inc., which is a national benefits administration firm. It operates NBT Insurance Agency, LLC, which is a full-service insurance agency. The Bank has approximately 153 branch locations.

NBTB Technical Analysis

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NBTB Why It Moves

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NBTB News Sentiment

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NBTB Technical Analysis

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NBTB Why It Moves

Find out the reasons behind the current stock movement

Should I Buy NBTB

AI-powered analysis to guide your buy, sell, or hold decision for this stock

NBTB News Sentiment

AI uncovers potential trading opportunities based on news sentiment

NBTB Fundamental Analysis

buy

Moderate Buy

Buy

Hold

Sell

High

55.00

Averages

52.67

Low

50.00

Analyst

Rating

Action

Price Target

Date

Rating Reason

DA Davidson

Manuel Navas

Hold

Initiates

$60

2024-12-12

Keefe, Bruyette & Woods

Christopher O'Connell

Hold

Maintains

$50 → $55

2024-12-04

Stephens & Co.

Matt Breese

Hold

Reiterates

$49

2024-09-10

Stephens & Co.

Matt Breese

Buy

Reiterates

$42

2024-07-23

Keefe, Bruyette & Woods

Christopher O'Connell

Hold

Maintains

$41 → $39

2024-04-24

Analyst	Rating	Action	Price Target	Date	Rating Reason

DA Davidson Manuel Navas	Hold	Initiates	$60	2024-12-12	DA
Keefe, Bruyette & Woods Christopher O'Connell	Hold	Maintains	$50 → $55	2024-12-04
Stephens & Co. Matt Breese	Hold	Reiterates	$49	2024-09-10
Stephens & Co. Matt Breese	Buy	Reiterates	$42	2024-07-23
Keefe, Bruyette & Woods Christopher O'Connell	Hold	Maintains	$41 → $39	2024-04-24

NBTB Earnings Analysis

NBT Bancorp Inc Corporation (NBTB.O) Q4 2024 Earnings Conference Call

Positive

Q4 Net Income Report: Net income for Q4 2024 was reported at $36,000,000, or $0.76 per share, with operating earnings per share at $0.77, demonstrating strong profitability despite a slight decrease from the prior quarter.
Loan Growth Analysis: Total loans increased by $319,000,000 for the year, representing a growth of 3.3%, with a more significant increase of $479,000,000 or 6% when excluding portfolios in planned runoff status.
Deposit Growth Increase: Total deposits rose by $578,000,000 or 5.3% from December 2023, reflecting strong customer confidence and growth in the deposit base.
Diversified Revenue Strength: Non-interest income accounted for 30% of total revenues for 2024, with fee income increasing by 11.1% compared to Q4 2023, highlighting the strength of diversified revenue streams.
Dividend Increase Announcement: A quarterly cash dividend of $0.34 was declared, marking a 6.3% increase from the previous year's dividend, representing the 12th consecutive year of annual dividend increases.

Negative

Earnings Per Share Decline: Operating earnings per share decreased by $0.03 to $0.77 compared to the prior quarter, indicating a decline in profitability.
Asset Quality Deterioration: Net charge-offs increased to 23 basis points in Q4 from 16 basis points in the prior quarter, reflecting a deterioration in asset quality.
Non-Performing Assets Increase: Non-performing assets rose by $14.4 million from the prior quarter, primarily due to a commercial real estate loan placed into non-accrual status, signaling potential credit risk.
Operating Expenses Increase: Total operating expenses, excluding merger costs, increased by 4.8% to $99.8 million compared to the previous quarter, indicating rising cost pressures.
Loan Yield Decline: Loan yields declined by 9 basis points from Q3, as $2.1 billion of loans repriced downward, suggesting challenges in maintaining interest income.

Positive

Q4 Net Income Report: Net income for Q4 2024 was reported at $36,000,000, or $0.76 per share, with operating earnings per share at $0.77, demonstrating strong profitability despite a slight decrease from the prior quarter.
Loan Growth Analysis: Total loans increased by $319,000,000 for the year, representing a growth of 3.3%, with a more significant increase of $479,000,000 or 6% when excluding portfolios in planned runoff status.
Deposit Growth Increase: Total deposits rose by $578,000,000 or 5.3% from December 2023, reflecting strong customer confidence and growth in the deposit base.
Diversified Revenue Strength: Non-interest income accounted for 30% of total revenues for 2024, with fee income increasing by 11.1% compared to Q4 2023, highlighting the strength of diversified revenue streams.
Dividend Increase Announcement: A quarterly cash dividend of $0.34 was declared, marking a 6.3% increase from the previous year's dividend, representing the 12th consecutive year of annual dividend increases.

Negative

Earnings Per Share Decline: Operating earnings per share decreased by $0.03 to $0.77 compared to the prior quarter, indicating a decline in profitability.
Asset Quality Deterioration: Net charge-offs increased to 23 basis points in Q4 from 16 basis points in the prior quarter, reflecting a deterioration in asset quality.
Non-Performing Assets Increase: Non-performing assets rose by $14.4 million from the prior quarter, primarily due to a commercial real estate loan placed into non-accrual status, signaling potential credit risk.
Operating Expenses Increase: Total operating expenses, excluding merger costs, increased by 4.8% to $99.8 million compared to the previous quarter, indicating rising cost pressures.
Loan Yield Decline: Loan yields declined by 9 basis points from Q3, as $2.1 billion of loans repriced downward, suggesting challenges in maintaining interest income.

NBTB News

2.0

03-10NASDAQ.COM

NBT Bancorp Becomes Oversold (NBTB)

5.0

02-12NASDAQ.COM

NBT Bancorp Named Top Dividend Stock With Insider Buying and 2.77% Yield (NBTB)

9.5

02-04Newsfilter

Evans Bancorp Reports Net Income of $3.7 Million In Fourth Quarter 2024

3.0

01-27NASDAQ.COM

After-Hours Earnings Report for January 27, 2025 : SANM, PCH, WSFS, SBCF, NBTB, MRTN, PFBC, TRNS, FSBC, HMST, ARE, CR

9.5

01-27SeekingAlpha

NBT Bancorp Non-GAAP EPS of $0.77 beats by $0.01, revenue of $148.53M beats by $1.87M

NBTB FAQs

Should I buy or sell NBTB Stock?

Based on the analysis of NBTB's stock performance, technical indicators, and recent news, the stock presents a buying opportunity due to its undervalued status and positive insider activity. However, it's important to approach with caution and consider further research.

Buy NBTB stock as it shows potential upside with strong support levels and positive fundamentals.