Western New York Expansion And Digital Integration Will Drive Opportunity

AN

AnalystConsensusTarget

AnalystConsensusTarget

Not Invested

Based on Analyst Price Targets

Published

24 Sep 24

Updated

25 Nov 25

n/a

n/a

AnalystConsensusTarget's Fair Value

n/a

1Y

-15.7%

7D

-0.8%

Loading

1Y

-15.7%

7D

-0.8%

You can edit this narrative until Nov 26 9:05 PM. Then, changes will post as Updates.

Author's Valuation

US$47.812.5% undervalued

AnalystConsensusTarget Fair Value

Shared on 25 Nov 25

Fair value Decreased 4.72%

NBTB: Share Buyback Expansion Will Support Upside Potential Through 2027

Narrative Update on NBT Bancorp Price Target Analysts have revised their price target for NBT Bancorp downward from $50.17 to $47.80, citing a more modest outlook on revenue growth and profit margins. What's in the News NBT Bancorp reported total loan net charge-offs of $4.3 million for the third quarter ended September 30, 2025, compared to $3.92 million a year ago (Key Developments).

Shared on 30 Apr 25

Fair value Decreased 4.21%

Shared on 23 Apr 25

Fair value Increased 0.93%

AnalystConsensusTarget has decreased shares outstanding growth rate from 0.0% to -0.0%.

Shared on 17 Apr 25

Fair value Decreased 1.91%

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 09 Apr 25

Fair value Decreased 2.95%

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 02 Apr 25

Fair value Increased 1.04%

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 26 Mar 25

Fair value Decreased 2.05%

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 19 Mar 25

Fair value Increased 11%

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 11 Mar 25

Fair value Decreased 1.12%

AnalystConsensusTarget Fair Value

US$47.8

12.5% undervalued

Future estimation in

% p.a.

0

Decrease

Increase

Current revenue growth rate

10.17%

Banks revenue growth rate

0.26%

Risk Level (Discount Rate)

Our default considers factors like the company's size, volatility, profitablity and country of operation.

%

0

Decrease

Increase

Current discount rate

6.96%

Calculation

US$285.57m

Earnings '28

x

13.11x

PE Ratio '28

=

US$3.74b

Market Cap '28

US$3.74b

Market Cap '28

/

64.09m

No. shares '28

=

US$58.40

Share Price '28

US$58.40 Share Price '28

Discounted to 2025 @ 6.96% p.a.

=

US$47.73

Fair Value '25