NBT Bancorp (NBTB) Stock Overview
A financial holding company, provides personal and commercial banking, retail banking, and wealth management services in the United States. More details
| Snowflake Score | |
|---|---|
| Valuation | 3/6 |
| Future Growth | 1/6 |
| Past Performance | 5/6 |
| Financial Health | 6/6 |
| Dividends | 4/6 |
NBTB Community Fair Values
Create NarrativeSee what 23 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
NBT Bancorp Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$49.59 |
| 52 Week High | US$49.49 |
| 52 Week Low | US$39.20 |
| Beta | 0.50 |
| 1 Month Change | 7.59% |
| 3 Month Change | 18.47% |
| 1 Year Change | 18.38% |
| 3 Year Change | 55.70% |
| 5 Year Change | 39.34% |
| Change since IPO | 642.77% |
Recent News & Updates
Analysis Article • Jun 19
NBT Bancorp (NBTB) Stock Could Be 46% Below Fair Value After Recent Share Move
NBT Bancorp (NBTB) has drawn fresh attention after its recent share move, with the stock closing at US$46.68. That price puts current returns and valuation metrics into sharper focus for investors. See our latest analysis for NBT Bancorp. Set against the recent close at US$46.68, NBT Bancorp’s 1 day share price return of 0.71% comes after a 7 day share price pullback of 2.08%. However, its 90 day share price return of 14.66% and 1 year total shareholder return of 20.83% point to momentum that...
Narrative Update • Jun 19
NBTB: Share Repurchases And Stable Metrics Will Support Balanced Stock Upside
Analysts have raised their average price target on NBT Bancorp stock by $1, citing updated valuation work that keeps fair value metrics, discount rate, growth assumptions, profit margin, and future P/E estimates broadly in line with prior expectations. What’s in the News for NBT Bancorp NBT Bancorp completed a share repurchase program announced on January 3, 2022, buying back a total of 1,063,100 shares, representing 2.26% of shares, for US$41.11 million.Seeking Alpha • Jun 04
NBT Bancorp Isn't The Cheapest, But It's Still Worth Banking On
Summary NBT Bancorp demonstrates high asset quality, strong growth, and disciplined balance sheet management, justifying a soft 'buy' rating. Deposit growth is robust, primarily organic, with a notable $1.86 billion boost from the Evans Bancorp acquisition; uninsured deposits remain elevated at 43.9%. Loan portfolio is diversified, though rising auto loan delinquencies warrant ongoing monitoring; net interest margin and profits are expanding. NBTB trades at 11.4x P/E, above a strict value threshold but relatively cheap versus peers, with superior ROA (1.30%) and ROE (10.89%). Read the full article on Seeking AlphaRecent updates
Analysis Article • Jun 19
NBT Bancorp (NBTB) Stock Could Be 46% Below Fair Value After Recent Share Move
NBT Bancorp (NBTB) has drawn fresh attention after its recent share move, with the stock closing at US$46.68. That price puts current returns and valuation metrics into sharper focus for investors. See our latest analysis for NBT Bancorp. Set against the recent close at US$46.68, NBT Bancorp’s 1 day share price return of 0.71% comes after a 7 day share price pullback of 2.08%. However, its 90 day share price return of 14.66% and 1 year total shareholder return of 20.83% point to momentum that...Narrative Update • Jun 19
NBTB: Share Repurchases And Stable Metrics Will Support Balanced Stock Upside
Analysts have raised their average price target on NBT Bancorp stock by $1, citing updated valuation work that keeps fair value metrics, discount rate, growth assumptions, profit margin, and future P/E estimates broadly in line with prior expectations. What’s in the News for NBT Bancorp NBT Bancorp completed a share repurchase program announced on January 3, 2022, buying back a total of 1,063,100 shares, representing 2.26% of shares, for US$41.11 million.Seeking Alpha • Jun 04
NBT Bancorp Isn't The Cheapest, But It's Still Worth Banking On
Summary NBT Bancorp demonstrates high asset quality, strong growth, and disciplined balance sheet management, justifying a soft 'buy' rating. Deposit growth is robust, primarily organic, with a notable $1.86 billion boost from the Evans Bancorp acquisition; uninsured deposits remain elevated at 43.9%. Loan portfolio is diversified, though rising auto loan delinquencies warrant ongoing monitoring; net interest margin and profits are expanding. NBTB trades at 11.4x P/E, above a strict value threshold but relatively cheap versus peers, with superior ROA (1.30%) and ROE (10.89%). Read the full article on Seeking AlphaNarrative Update • Jun 03
NBTB: Profitability And Fee Income Will Support Balanced Upside And Execution Risks
Analysts have raised the NBT Bancorp price target by $1 to $50, citing relatively strong profitability, a resilient funding base, and a meaningful contribution from fee-based businesses compared with peer banks. Analyst Commentary Bullish Takeaways Bullish analysts point to relatively strong profitability metrics as a key support for the updated US$50 price target, suggesting the stock is being valued on consistent earnings power compared with peers.Narrative Update • Feb 07
NBTB: Buybacks And Stable Credit Costs Will Support Measured Upside Potential
Analysts have nudged their price target for NBT Bancorp higher to about $48.50, citing updated assumptions around fair value, discount rate, revenue growth, profit margin, and future P/E that modestly adjust their outlook while keeping the overall thesis intact. What's in the News NBT Bancorp repurchased 250,000 shares between October 1, 2025 and December 31, 2025, representing 0.48% of shares for $10.2 million under its existing buyback program (Key Developments).Narrative Update • Dec 10
NBTB: Expanded Buybacks Will Support Long-Term Upside Potential Through 2027
Analysts have modestly revised their price target on NBT Bancorp higher to approximately 47.80 dollars, reflecting steady expectations for fair value, discount rate, revenue growth, profit margin, and future price-to-earnings multiples that collectively support a stable long-term outlook. What's in the News Third quarter 2025 total loan net charge offs increased to 4.3 million dollars from 3.92 million dollars a year earlier, indicating slightly higher credit costs (Key Developments) NBT Bancorp increased its equity buyback plan on October 27, 2025, raising remaining authorization to 2,000,000 shares and extending the program through December 31, 2027, bringing total authorization to 4,555,000 shares (Key Developments) Between July 1 and September 30, 2025, the company repurchased no additional shares, leaving total repurchases under the January 3, 2022 buyback at 563,100 shares, or 1.31 percent of shares, for 19.91 million dollars (Key Developments) Valuation Changes Fair Value Estimate remained unchanged at 47.80 dollars per share, indicating no shift in the model’s intrinsic value assessment.Narrative Update • Nov 25
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).Analysis Article • Aug 01
NBT Bancorp Inc. Just Beat Analyst Forecasts, And Analysts Have Been Updating Their Predictions
NBT Bancorp Inc. ( NASDAQ:NBTB ) came out with its quarterly results last week, and we wanted to see how the business...Seeking Alpha • Mar 30
NBT Bancorp: Fairly Valued With Limited Growth Prospects
Summary NBT Bancorp has a strong track record, outperforming peers during crises and maintaining stability, thanks to a diversified business model. The bank has produced slow but steady growth, and M&A should aid this further in the near-term. The bank faces geographic challenges, relying heavily on the plodding upstate New York market. Semiconductor investments in upstate New York could be a big catalyst, but these funds may get tied up due to political shifts. NBTB stock is fairly valued and has a solid dividend growth story, but the starting valuation isn't particularly compelling today. Read the full article on Seeking Alpha
New Narrative • Sep 24
Calculated Growth And Diversification Brighten The Bank's Financial Horizon
Strategic dividend increases and sector expansions, particularly in tech and semiconductors, underscore robust financial health and market growth opportunities.Analysis Article • Jul 26
NBT Bancorp (NASDAQ:NBTB) Has Announced That It Will Be Increasing Its Dividend To $0.34
The board of NBT Bancorp Inc. ( NASDAQ:NBTB ) has announced that it will be paying its dividend of $0.34 on the 13th of...Shareholder Returns
| NBTB | US Banks | US Market | |
|---|---|---|---|
| 7D | 6.2% | 3.3% | -2.7% |
| 1Y | 18.4% | 23.1% | 18.6% |
Return vs Industry: NBTB underperformed the US Banks industry which returned 23.1% over the past year.
Return vs Market: NBTB matched the US Market which returned 18.6% over the past year.
Price Volatility
| NBTB volatility | |
|---|---|
| NBTB Average Weekly Movement | 3.3% |
| Banks Industry Average Movement | 3.3% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.9% |
| 10% least volatile stocks in US Market | 3.1% |
Stable Share Price: NBTB has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: NBTB's weekly volatility (3%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1856 | 2,303 | Scott Kingsley | www.nbtbancorp.com |
NBT Bancorp Inc., a financial holding company, provides personal and commercial banking, retail banking, and wealth management services in the United States. It operates through Banking, Retirement Plan Administration, and All Other segments. The company offers demand deposit, savings, interest-bearing checking, money market deposit, and certificate of deposit accounts; and indirect and direct consumer loans, home equity loans and lines of credit, residential mortgages, business banking loans, commercial and industrial loans, agricultural loans, commercial construction loans, commercial real estate loans, indirect auto loans, and other consumer loans, as well as agricultural lending, personal lines of credit, overdraft protection, and second mortgage loans.
NBT Bancorp Inc. Fundamentals Summary
| NBTB fundamental statistics | |
|---|---|
| Market cap | US$2.56b |
| Earnings (TTM) | US$183.63m |
| Revenue (TTM) | US$696.57m |
14.0x
P/E Ratio1.3x
P/B RatioIs NBTB overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| NBTB income statement (TTM) | |
|---|---|
| Revenue | US$696.57m |
| Cost of Revenue | US$0 |
| Gross Profit | US$696.57m |
| Other Expenses | US$512.94m |
| Earnings | US$183.63m |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 3.53 |
| Gross Margin | 100.00% |
| Net Profit Margin | 26.36% |
| Debt/Equity Ratio | 19.1% |
How did NBTB perform over the long term?
See historical performance and comparisonDividends
3.0%
Current Dividend Yield41%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/06/26 22:20 |
| End of Day Share Price | 2026/06/26 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
NBT Bancorp Inc. is covered by 11 analysts. 7 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Daniel Cardenas | Brean Capital Historical (Janney Montgomery) |
| Jacob Civiello | D.A. Davidson & Co. |
| null null | D.A. Davidson & Co. |