NBT Bancorp Inc.

NasdaqGS:NBTB Stock Report

Market Cap: US$2.4b

NBT Bancorp Future Growth

Future criteria checks 2/6

NBT Bancorp is forecast to grow earnings and revenue by 16.8% and 8.6% per annum respectively. EPS is expected to grow by 15.7% per annum. Return on equity is forecast to be 11.2% in 3 years.

Key information

16.8%

Earnings growth rate

15.72%

EPS growth rate

Banks earnings growth8.8%
Revenue growth rate8.6%
Future return on equity11.22%
Analyst coverage

Low

Last updated10 Feb 2026

Recent future growth updates

NBT Bancorp Inc. Just Beat Analyst Forecasts, And Analysts Have Been Updating Their Predictions

Aug 01
NBT Bancorp Inc. Just Beat Analyst Forecasts, And Analysts Have Been Updating Their Predictions

Recent updates

NBT Bancorp: Recent Acquisition Is The Biggest Earnings Catalyst, Buy

Sep 17

NBT Bancorp Inc. Just Beat Analyst Forecasts, And Analysts Have Been Updating Their Predictions

Aug 01
NBT Bancorp Inc. Just Beat Analyst Forecasts, And Analysts Have Been Updating Their Predictions

NBT Bancorp: Fairly Valued With Limited Growth Prospects

Mar 30
User avatar

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.

NBT Bancorp (NASDAQ:NBTB) Has Announced That It Will Be Increasing Its Dividend To $0.34

Jul 26
NBT Bancorp (NASDAQ:NBTB) Has Announced That It Will Be Increasing Its Dividend To $0.34

NBT Bancorp (NASDAQ:NBTB) Will Pay A Larger Dividend Than Last Year At $0.32

Aug 18
NBT Bancorp (NASDAQ:NBTB) Will Pay A Larger Dividend Than Last Year At $0.32

Earnings and Revenue Growth Forecasts

NasdaqGS:NBTB - Analysts future estimates and past financials data (USD Millions)
DateRevenueEarningsFree Cash FlowCash from OpAvg. No. Analysts
12/31/2027808239N/AN/A4
12/31/2026762219N/AN/A4
12/31/2025678169N/AN/AN/A
9/30/2025630150202218N/A
6/30/2025591133176190N/A
3/31/2025569144181194N/A
12/31/2024557141177189N/A
9/30/2024539135164175N/A
6/30/2024517122167178N/A
3/31/2024503119162172N/A
12/31/2023490119148157N/A
9/30/2023489124143152N/A
6/30/2023493139139146N/A
3/31/2023501147163170N/A
12/31/2022501152176183N/A
9/30/2022498153168176N/A
6/30/2022492152161168N/A
3/31/2022491154144152N/A
12/31/2021487155151159N/A
9/30/2021483152163172N/A
6/30/2021474149153161N/A
3/31/2021447134138144N/A
12/31/2020411104137145N/A
9/30/202039999150157N/A
6/30/202039896161169N/A
3/31/2020407102147155N/A
12/31/2019430121147153N/A
9/30/2019421121N/A152N/A
6/30/2019414118N/A152N/A
3/31/2019410116N/A147N/A
12/31/2018402113N/A148N/A
9/30/2018400102N/A140N/A
6/30/201839095N/A128N/A
3/31/201838188N/A149N/A
12/31/201737482N/A137N/A
9/30/201736484N/A127N/A
6/30/201735981N/A126N/A
3/31/201735880N/A109N/A
12/31/201635578N/A111N/A
9/30/201635878N/A111N/A
6/30/201635878N/A119N/A
3/31/201635577N/A124N/A
12/31/201535376N/A125N/A
9/30/201534776N/A122N/A
6/30/201534267N/A101N/A
3/31/201535975N/A86N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: NBTB's forecast earnings growth (16.8% per year) is above the savings rate (3.4%).

Earnings vs Market: NBTB's earnings (16.8% per year) are forecast to grow faster than the US market (15.8% per year).

High Growth Earnings: NBTB's earnings are forecast to grow, but not significantly.

Revenue vs Market: NBTB's revenue (8.6% per year) is forecast to grow slower than the US market (10.4% per year).

High Growth Revenue: NBTB's revenue (8.6% per year) is forecast to grow slower than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: NBTB's Return on Equity is forecast to be low in 3 years time (11.2%).

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/02/11 11:00
End of Day Share Price 2026/02/11 00:00
Earnings2025/12/31
Annual Earnings2025/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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

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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 8 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Daniel CardenasBrean Capital (formerly Janney Montgomery)
David DarstGuggenheim Securities, LLC
Feddie StricklandHovde Group, LLC