NBTB

NBT Bancorp Inc

Add to Watchlist

Advanced Chart

42.180

-0.85(-1.975%)1D

Overview
Forecast
Valuation
Earnings

Line

Candle

YTD

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

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.

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

-0.03%

In Past 3 Month

EPS Estimates for FY2025

Revise Downward

-1.05%

In Past 3 Month

Stock Price

Go Down

-0.38%

In Past 3 Month

4 Analyst Rating

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

13.80% Upside

Current: 42.180

Low

47.00

Averages

48.00

High

50.00

13.80% Upside

Current: 42.180

Low

47.00

Averages

48.00

High

50.00

Piper Sandler

Neutral

initiated

$47

2025-07-08

Reason

Piper Sandler

Price Target

$47

2025-07-08

initiated

Neutral

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

Manuel Navas

Price Target

$60

2024-12-12

Initiates

Hold

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

Keefe, Bruyette & Woods

Christopher O'Connell

Price Target

$50 → $55

2024-12-04

Maintains

Hold

Reason

Stephens & Co.

Matt Breese

Hold

Reiterates

$49

2024-09-10

Reason

Stephens & Co.

Matt Breese

Price Target

$49

2024-09-10

Reiterates

Hold

Reason

See All Ratings

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

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.

Fair

5Y Average PE

12.06

Current PE

11.26

Overvalued PE

13.48

Undervalued PE

10.64

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.

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

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.

Undervalued

5Y Average PS

3.14

Current PS

2.71

Overvalued PS

3.45

Undervalued PS

2.83