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NBTB

NBT Bancorp Inc
$
42.180
-0.85(-1.975%)1D
  • Overview
  • Forecast
  • Valuation
  • Earnings
Line
Line
|
Candle
Candle
1D
5D
1M
3M
6M
YTD
1Y
5Y
High
44.190
Open
43.300
VWAP
--
Vol
359.42K
Mkt Cap
2.21B
Low
42.030
Amount
--
EV/EBITDA(TTM)
11.17
Total Shares
47.15M
EV
2.40B
EV/OCF(TTM)
3.20
P/S(TTM)
4.20
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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Market Estimates

Earnings Estimates
Revenue
YoY Chg
EPS
YoYChg
FY2026Q1
FY2025Q4
FY2025Q3
187.71M
+21.35%
0.994
+24.29%
184.10M
+23.95%
0.954
+23.9%
183.10M
+24.18%
0.944
+18%
Estimates Revision
The market is revising Downward the revenue expectations for NBT Bancorp Inc. (NBTB) for FY2025, with the revenue forecasts being adjusted by -0.03% over the past three months. During the same period, the stock price has changed by -0.38%.
Revenue Estimates for FY2025
Revise Downward
down Image
-0.03%
In Past 3 Month
EPS Estimates for FY2025
Revise Downward
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-1.05%
In Past 3 Month
Stock Price
Go Down
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-0.38%
In Past 3 Month
4 Analyst Rating
up Image
13.80% Upside
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 is 48.00 USD with a low forecast of 47.00 USD and a high forecast of 50.00  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.
1 Buy
3 Hold
0 Sell
Hold
up Image
13.80% Upside
Current: 42.180
sliders
Low
47.00
Averages
48.00
High
50.00
Piper Sandler
Neutral
initiated
$47
2025-07-08
Reason
Piper Sandler assumed coverage of NBT Bancorp with a Neutral rating and $47 price target. The company is executing well in its rural, suburban and lower density urban markets, but trades at a premium multiple, the analyst tells investors in a research note.
DA Davidson
Manuel Navas
Hold
Initiates
$60
2024-12-12
Reason
DA Davidson initiated coverage of NBT Bancorp with a Buy rating and $60 price target. The stock has a premium valuation "for a reason," namely a peer leading fee income contribution and low-risk credit culture, the analyst tells investors. The firm, which also cites an emerging regional manufacturing tailwind in upstate New York from in-sourcing trends and the CHIPS Act, says NBT's recent dive into M&A enhances its positioning in this "Chip Corridor," which should ultimately expand the valuation premium.
Keefe, Bruyette & Woods
Christopher O'Connell
Hold
Maintains
$50 → $55
2024-12-04
Reason
Stephens & Co.
Matt Breese
Hold
Reiterates
$49
2024-09-10
Reason

Valuation Metrics

The current forward P/E ratio for NBT Bancorp Inc (NBTB.O) is 11.26, compared to its 5-year average forward P/E of 12.06. For a more detailed relative valuation and DCF analysis to assess NBT Bancorp Inc 's fair value, click here.

Forward PE

StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
Fair
5Y Average PE
12.06
Current PE
11.26
Overvalued PE
13.48
Undervalued PE
10.64

Forward EV/EBITDA

StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.00
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
0.00
Undervalued EV/EBITDA
0.00

Forward PS

StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
Undervalued
5Y Average PS
3.14
Current PS
2.71
Overvalued PS
3.45
Undervalued PS
2.83

Financials

Annual
Quarterly
FY2025Q2
YoY :
+24.39%
138.97M
Total Revenue
FY2025Q2
YoY :
+16.31%
49.59M
Operating Profit
FY2025Q2
YoY :
-31.20%
22.51M
Net Income after Tax
FY2025Q2
YoY :
-36.23%
0.44
EPS - Diluted
FY2025Q1
YoY :
-23.24%
200.05M
Free Cash Flow
FY2025Q2
YoY :
-100.00%
N/A
FCF Margin - %
FY2025Q2
YoY :
-44.67%
16.20
Net Margin - %
FY2025Q2
YoY :
+6.29%
6.42
ROIC

Trading Trends

Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
0-3
Months
330.7K
USD
1
3-6
Months
0.0
USD
0
6-9
Months
3.4M
USD
7
0-12
Months
7.6M
USD
7
Bought
0-3
2
125.4K
USD
Months
3-6
2
200.1K
USD
Months
6-9
1
32.9K
USD
Months
0-12
0
0.0
USD
Months
Hedge Fund
Hedge Funds are Neutral. There are no significant trading trends over the last quarter.
Sold
0-3
Months
0.0
Volume
0
3-6
Months
0.0
Volume
0
6-9
Months
0.0
Volume
0
0-12
Months
0.0
Volume
0
Bought
0-3
0
0.0
Volume
Months
3-6
0
0.0
Volume
Months
6-9
0
0.0
Volume
Months
0-12
0
0.0
Volume
Months
Congress Trading
Congress are Neutral. There are no significant trading trends over the last month.
Sold
0-3
Months
0.0
USD
0
3-6
Months
0.0
USD
0
6-9
Months
0.0
USD
0
0-12
Months
0.0
USD
0
Bought
0-3
0
0.0
USD
Months
3-6
0
0.0
USD
Months
6-9
0
0.0
USD
Months
0-12
0
0.0
USD
Months

NBTB News & Events

Events Timeline

2025-07-28 (ET)
2025-07-28
16:21:00
NBT Bancorp increases quarterly cash dividend 8.8% to 37c per share
select
2025-07-28
16:19:40
NBT Bancorp reports Q2 EPS 88c, consensus 83c
select
2025-05-05 (ET)
2025-05-05
09:17:30
NBT Bancorp completes merger with Evans Bancorp
select
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News

9.5
07-29NASDAQ.COM
PinnedCompared to Estimates, NBT (NBTB) Q2 Earnings: A Look at Key Metrics
5.0
06-23NASDAQ.COM
10.2% of VTWV Holdings Seeing Recent Insider Buys
8.0
05-20NASDAQ.COM
NBT Bancorp Inc. Declares Second-Quarter Cash Dividend of $0.34 per Share
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FAQ

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

The current price of NBTB is 42.18 USD — it has decreased -1.98 % in the last trading day.

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

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What changes have occurred in the market's expectations for NBT Bancorp Inc (NBTB)'s fundamentals?

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