Assessing NBT Bancorp (NBTB)’s Valuation After a Year of Share Price Weakness

Recent share performance

NBT Bancorp (NBTB) has been treading water lately, with the stock flat over the past day but slipping slightly over the week, even as its month performance has ticked modestly higher.

See our latest analysis for NBT Bancorp.

Stepping back, NBT Bancorp’s 1 year total shareholder return of negative 14.19 percent and year to date share price weakness suggest momentum has faded a bit as investors reassess growth and interest rate risks.

If you are weighing NBT Bancorp against other financial names, it can be useful to contrast it with banks that have strong balance sheets and faster growth by exploring fast growing stocks with high insider ownership

With NBTB trading below analyst targets yet still digesting rate and credit risks, the key question now is whether the current valuation understates its earnings power or if the market already reflects future growth.

Most Popular Narrative Narrative: 13.1% Undervalued

With NBT Bancorp’s fair value set at 47.80 against a 41.54 close, the narrative frames a meaningful upside that hinges on execution.

Ongoing investment in digital banking platforms and seamless integration of over 25,000 new digital banking and debit card users positions NBT to reach new customer segments, improve operating efficiencies, and support net margin expansion.

Read the complete narrative.

Curious how revenue acceleration, rising margins, and a richer earnings mix all stack up into that upside case? The narrative walks through bold growth, profitability, and valuation assumptions that could reshape how investors think about this regional bank’s earnings power.

Result: Fair Value of $47.80 (UNDERVALUED)

Have a read of the narrative in full and understand what's behind the forecasts.

However, the bullish case could be derailed if slower upstate market growth and rising commercial credit risk squeeze spreads and weaken earnings resilience.

Find out about the key risks to this NBT Bancorp narrative.

Build Your Own NBT Bancorp Narrative

If you see the story differently, or want to test your own assumptions against the data, you can build a custom view in minutes with Do it your way

A good starting point is our analysis highlighting 4 key rewards investors are optimistic about regarding NBT Bancorp.

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

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