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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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High
44.000
Open
43.675
VWAP
43.88
Vol
192.80K
Mkt Cap
2.28B
Low
43.620
Amount
8.46M
EV/EBITDA(TTM)
9.09
Total Shares
52.20M
EV
2.42B
EV/OCF(TTM)
7.49
P/S(TTM)
3.97
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)
2026-01-26
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
2025-07-28 (ET)
2025-07-28
16:21:00
NBT Bancorp increases quarterly cash dividend 8.8% to 37c per share
select

News

Newsfilter
9.5
04-01Newsfilter
NBT Bancorp to Release Q1 2026 Financial Results on April 23
  • Earnings Release Schedule: NBT Bancorp will release its Q1 2026 financial results on April 23, 2026, after market close, providing critical financial metrics and operational data to help investors assess the company's financial health.
  • Conference Call Timing: The company will host a conference call on April 24, 2026, at 10:00 a.m. (Eastern) to discuss the financial results in detail, enhancing transparency and engaging with investors to boost market confidence.
  • Asset Overview: As of December 31, 2025, NBT Bancorp reported total assets of $16 billion, reflecting its robust position in the financial services industry and ongoing growth potential, particularly in community banking.
  • Diverse Business Structure: NBT Bancorp operates through its full-service NBT Bank and two financial services companies, with 176 banking locations across several states, showcasing its extensive regional market influence and service capabilities.
Fool
5.0
03-26Fool
NBT Bancorp Executive Sells Shares Amid Steady Performance
  • Transaction Overview: On March 13, 2026, NBT Bancorp's Executive Vice President Randolph Sparks sold 2,400 shares of common stock for a total of $99,000, while maintaining a direct ownership value of $471,000 post-transaction.
  • Historical Comparison: This sale marks only the second open-market transaction by Sparks since April 2022, with the 2,400 shares exceeding his previous sale of 1,000 shares, indicating an increased need for liquidity as this sale represents 17.46% of his reported direct holdings.
  • Ownership Change Analysis: Although the sale reduced Sparks' direct holdings, he continues to own 11,349 shares, preserving his equity position in NBT Bancorp, which suggests sustained confidence in the company.
  • Investor Focus: While insider selling can raise concerns, this transaction appears more as a personal portfolio adjustment rather than a negative outlook on the company, especially given the bank's solid profitability metrics and steady performance amidst a challenging market environment.
NASDAQ.COM
5.0
02-27NASDAQ.COM
Director Timothy E. Delaney Invests $1.5M in NBT Bancorp Stock
  • Director Buy Signal: NBT Bancorp's Director Timothy E. Delaney made three stock purchases totaling $1.5 million over the past six months, indicating his confidence in the company's future and suggesting he views the current stock price as undervalued.
  • Average Purchase Cost: Delaney's average purchase cost stands at $42.25 per share, while the current stock price is $42.40, indicating he bought shares close to his cost, reflecting his recognition of the company's value.
  • Stock Price Fluctuation: NBT Bancorp's stock has seen a 52-week low of $37.31 and a high of $47.93, with the current price up approximately 13.5% from its low, suggesting signs of market recovery.
  • Dividend Yield: NBT Bancorp currently pays an annualized dividend of $1.48 per share, yielding about 3.3%, with the upcoming ex-dividend date set for March 2, 2026, demonstrating the company's commitment to returning value to shareholders.
seekingalpha
9.5
01-27seekingalpha
NBT Bancorp Reports Strong Q4 2025 Earnings with Strategic Growth Insights
  • Earnings Growth: NBT Bancorp reported a net income of $55.5 million for Q4, translating to $1.06 per diluted share, reflecting a 25% year-over-year increase, showcasing the company's success in fixed-rate asset repricing and revenue diversification.
  • Return on Assets Improvement: The operating return on assets stood at 1.37%, with a sustainable 17.02% return on tangible equity and a year-end tangible book value of $26.54 per share, indicating robust performance in profitability and capital efficiency.
  • Share Repurchase Program: The company repurchased 250,000 shares in Q4, demonstrating management's confidence in future growth while reflecting disciplined capital deployment amid successful integration with Evans Bancorp.
  • Loan Growth Outlook: Management anticipates loan growth to remain in the mid- to lower-single-digit range for 2026, despite facing up to $175 million in unscheduled commercial real estate payoffs, indicating a cautious approach to evolving market dynamics.
seekingalpha
9.5
01-26seekingalpha
NBT Bancorp Q4 Earnings Exceed Expectations
  • Earnings Beat: NBT Bancorp reported a Q4 GAAP EPS of $1.06, exceeding expectations by $0.08, which underscores the company's ongoing profitability and strengthens investor confidence.
  • Significant Revenue Growth: The company achieved revenue of $185 million in Q4, marking a 24.6% year-over-year increase, which not only surpassed expectations by $1.97 million but also reflects its strong market performance and business expansion capabilities.
  • Positive Market Reaction: The earnings beat is likely to drive NBT Bancorp's stock price upward, attracting more investor interest and enhancing market expectations for future growth.
  • Strong Financial Health: The sustained revenue growth and improved profitability indicate NBT Bancorp's resilience in the current economic environment, bolstering its competitive position in the financial services industry.
NASDAQ.COM
2.0
01-26NASDAQ.COM
NBT Bancorp (NBTB) Q3 2025 Earnings Transcript
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
Piper Sandler
Manuel Navas
Overweight
initiated
$50
AI Analysis
2026-03-16
Reason
Piper Sandler
Manuel Navas
Price Target
$50
AI Analysis
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.
DA Davidson
Jake Civiello
Buy
initiated
$54
2026-02-25
Reason
DA Davidson
Jake Civiello
Price Target
$54
2026-02-25
initiated
Buy
Reason
DA Davidson analyst Jake Civiello last night initiated coverage of NBT Bancorp with a Buy rating and $54 price target. The firm says the bank offers the "best mix of converging positive trends," including improving profitability over the next 12-24 months and a strong core deposit franchise.
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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
0.57
Current EV/EBITDA
6.52
Overvalued EV/EBITDA
2.99
Undervalued EV/EBITDA
-1.86

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
2.79
Overvalued PS
3.42
Undervalued PS
2.81

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Frequently Asked Questions

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

The current price of NBTB is 44.02 USD — it has increased 0.76

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 147.32M USD, increased 24.71

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 1.06 USD, increased 41.33

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

NBT Bancorp Inc (NBTB) has 2303 emplpoyees as of April 07 2026.

What is NBT Bancorp Inc (NBTB) market cap?

Today NBTB has the market capitalization of 2.28B USD.