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NBT Bancorp Inc (NBTB) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of NBT Bancorp Inc $34.77, price $50.48, upside -31.1%, quality 45 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

Fair value above price? No
Good quality? No
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Financial Services · US · ISIN US6287781024

Broad data Sep 24, 2026

NBT Bancorp Inc

NBTB · US

Weak valuationQuality is weak on top of the rich price.

!Fair value $34.77 · Overvalued (−31%)

!Quality 45/100

✓Healthy Growth (revenue 5y +12.0 %/yr)

✓Highly profitable · 26.4% net margin (TTM)

✓Low debt · generates free cash flow

·2.87% dividend yield

!Mixed vs. peers (6/15)

✓Wide moat 67/100

!Insider activity 40/100

26 models, one by oneBear $29.85 to bull $49.09 Growth analysisrevenue history, year by year Quality 45/100 in detail37 factors, each one shown Compared with its peersrank on every measure, side by side

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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

60‑month range $26.31 – $54.26 · fair‑value band $29.85 – $49.09 · the $50.48 price screens above the $34.77 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

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. It also provides trust and investment services; financial planning and life insurance services; and retirement plan and health savings account recordkeeping and administration, and actuarial services. In addition, the company offers insurance products, such as personal property and casualty, business liability, and commercial insurance; and other products and services through a network of ATM locations and 24-hour online, mobile, and telephone channels that enable customers to check balances, make deposits, transfer funds, pay bills, access statements, apply for loans, and access various other products and services. Further, it operates as a property management and passive investment company, as well as investment advisor that provides investment management and financial consulting services. The company serves retail, commercial, and municipal customers. It operates in upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York.

Stock analysis

NBT Bancorp Inc (NBTB) currently trades at $50.48, while our model-based Fair Value estimate is $34.77, implying the stock looks roughly 45.2% overvalued today.

Valuation

Bull case: the Multiples group reads highest at a median of $42.30 per share, and 1 of the 6 models we run sit above the $50.48 price.

Bear case: the Dividend Discount group reads lowest at $20.23, and 5 of the 6 models stay below the price. Evidence for this calculation is high.

Scenario range: $29.85 (bear) to $49.09 (bull), the price of $50.48 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 45/100 (below-average quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

NBT Bancorp Inc reported revenue of $867M in FY2025 versus $495M in FY2021, a compound +15.1%/yr. Reported net income was $169M in FY2025, compounding +2.2%/yr from FY2021.

Key figures

Market cap $2.6B · P/E ratio 13.8 · P/S ratio 2.68 · EPS (TTM) $3.67 · Dividend yield 2.9% · Net margin 19.5% · Return on equity 10.6% · Return on assets (EBIT) 1.4%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).

What moves the price

The share trades about 7% below its 52-week high and 32% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −31%, NBTB screens cheaper than that median.

Fair Value models

Bear $29.85 Fair Value $34.77 Bull $49.09

Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($1.62 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.

Highest evidence

Residual Income $30.74 $33.34 $40.88 76

Gordon GGM $12.26 $24.43 $36.99 67

DDM Multi-Stage $12.26 $20.23 $25.78 67

All 6 models by family

Dividend Discount

Gordon GGM $12.26 $24.43 $36.99 67

DDM Multi-Stage $12.26 $20.23 $25.78 67

Multiples

P/E Multiple $31.73 $42.30 $52.88 63

P/B Multiple $38.28 $51.04 $63.80 55

Asset-Based

NCAV (Graham) $18.23 $24.43 $36.46 54

Economic Profit

Residual Income $30.74 $33.34 $40.88 76

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Quality Score breakdown

Overall quality 45/100

Of which business quality 41 · Market factors (momentum, volatility) 70

Profitability 31

Margins and returns on capital today

Quality Growth 56

Are margins and returns improving?

Cashflow 87

Earnings quality: real cash, not paper profit

Fin. Strength 4

Balance sheet, leverage, solvency risk

Investment 53

Disciplined investing over empire-building

Low Volatility 90

Calm price path (market factor)

Momentum 60

Price trend over the last 3–12 months (market factor)

52W Momentum 67

Distance to the 52-week high (market factor)

Net Issuance 16

Share count: buybacks or dilution?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 91/100

Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Revenue growth 1 year

+10.4%

Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+17.3%

Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+12.0%

Start year 2020 (pandemic). Over 10 years: +8.5% a year

Revenue growth 34 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+7.0%

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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.

+8.5%

Earnings growth per share plus dividend.

Earnings per share, growth per year+5.6%

Dividend (yield on the price)2.9%

Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.4% vs 7%, steady

Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.27% → 25%

Start year 2020 (pandemic)

Growth Forecast

Little optimism in the price

The price assumes less growth than the company has delivered so far and less than analysts expect.

What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).

−3.1%

Yearly growth needed for the next five years to justify today's price.

What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.

+0.6%

Yearly sales growth analysts expect, extended to five years.

After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −5.3% a year for the price and −1.7% for the forecasts.

Forecast 2026 (sales)−12.1%

Forecast 2027 (sales)+4.6%

Projected 2028 (sales)+4.3%

Projected 2029 (sales)+3.9%

Projected 2030 (sales)+3.6%

NBTB screens 45% overvalued. Compare with DBS Group →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1074 stocks

Beats the industry median on 6/15 measures

A mixed picture versus its industry peers.

Valuation

Quality Score 42 · Bottom 25%

Fair Value upside −31% · Below median

Profitability

Return on equity (TTM) 11% · Above median

Return on assets 1% · Above median

Net margin (TTM) 26% · Below median

Operating margin (TTM) 41% · Above median

Growth and dividend

Revenue growth 22% · Top 25%

Dividend yield (TTM) 2.9% · Above median

Balance sheet

Debt / equity 0.10× · Lowest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 13.8× · Pricier than median

P/B 1.35× · Pricier than median

P/S (TTM) 3.69× · Pricier than median

P/FCF 11.7× · Pricier than median

EV/EBITDA 10.6× · Pricier than median

PEG 2.66× · Priciest 25%

Strength profile in five axes (Snowflake)

This stock

Sector peers

VALUE (fair-value potential)0 · sector 11

FUTURE (revenue growth)100 · sector 45

PAST (return on equity)42 · sector 41

HEALTH (low debt)95 · sector 85

DIVIDEND (yield)57 · sector 53

VALUE 0: the price sits above our fair-value range.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock	Price	Fair Value	vs Fair Value
DBS Group D05	77.69 SGD	40.48 SGD	−48%
China Merchants Bank Co 3968	HK$51.25	HK$62.30	+22%
Intesa Sanpaolo S.p.A ISP	€6.73	€4.04	−40%
HDFC Bank Limited HDFCBANK	₹737.25	₹406.85	−45%
BNP Paribas SA BNP	€101.30	€105.99	+5%
UniCredit S.p.A UCG	€83.28	€77.62	−7%
Mizuho Financial Group MFG	$10.87	$6.75	−38%
ICICI Bank Limited ICICIBANK	₹1,340	₹616.16	−54%
The PNC Financial Services Group PNC	$227.96	$159.52	−30%
Oversea-Chinese Banking Corporation O39	32.14 SGD	19.80 SGD	−38%

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NBT Bancorp Inc · Fair Value
$34.77 −45%Fair Value
Calculator →

<a href="https://www.fairvalue-calculator.com/stock/NBTB" target="_blank" rel="nofollow noopener" style="display:inline-flex;align-items:center;gap:12px;box-sizing:border-box;font-family:system-ui,-apple-system,Segoe UI,Roboto,sans-serif;text-decoration:none;background:#0f1814;color:#eaf2ed;border:1px solid #2a3a30;border-radius:12px;padding:12px 16px;max-width:360px"><span style="line-height:1.35"><span style="font-size:12px;color:#9fb0a8">NBT Bancorp Inc · Fair Value</span><br><b style="font-size:20px">$34.77</b> <span style="color:#e0816f;font-weight:700;font-size:14px">−45%</span></span><span style="font-size:11px;color:var(--fvc-g-mitte);font-weight:700;margin-left:auto;text-align:right;line-height:1.3">Fair&nbsp;Value<br>Calculator&nbsp;→</span></a>

Cite: Fair Value Calculator (2026). "NBT Bancorp Inc Fair Value". https://www.fairvalue-calculator.com/stock/NBTB

Frequently asked questions

Is NBT Bancorp Inc (NBTB) overvalued or undervalued?

As of Sep 24, 2026, our model estimates a fair value of $34.77 versus a price of $50.48, about −31% upside (overvalued).

What is the fair value of NBTB?

Our model-based fair value for NBT Bancorp Inc is $34.77 (as of Sep 24, 2026), built from audited fundamentals. The current price: $50.48.

What is the quality score of NBTB?

NBT Bancorp Inc has a Quality Score of 45/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.

What is the price target for NBT Bancorp Inc (NBTB)?

Our model-based price target is the fair value of $34.77 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario $29.85, optimistic scenario $49.09. It is a calculation from audited fundamentals, not an analyst target.

What is the NBT Bancorp Inc stock forecast for 2026?

Our models put fair value at $34.77, about −31% upside versus a price of $50.48 (overvalued). Cautious scenario $29.85, optimistic scenario $49.09. The calculation is refreshed regularly with new filings.

What is the revenue of NBT Bancorp Inc (NBTB)?

NBT Bancorp Inc reported trailing-twelve-month revenue of about $697M (latest available figure, as of Sep 24, 2026).

Does NBT Bancorp Inc pay a dividend?

NBT Bancorp Inc currently shows a dividend yield of about 2.87% relative to its recent price (as of Sep 24, 2026).

What growth is priced into NBT Bancorp Inc (NBTB)?

For today's price to be fair in a discounted-cash-flow model, NBT Bancorp Inc would have to grow free cash flow by -3.1 % per year for five years (discount rate 8.5 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +12.0 % per year. As of Sep 24, 2026.

What discount rate (WACC) does the fair value of NBTB use?

Our models discount NBT Bancorp Inc at 8.5 %: a base by market capitalisation (mid), damped by beta 0.49, country premium for USA. The same rate applies in all 26 models.

What is a reverse DCF?

A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For NBT Bancorp Inc that is -3.1 % per year a year over ten years, using the same discount rate (8.5 %) and the same formula as our fair value.

How much growth has NBT Bancorp Inc (NBTB) delivered so far?

Over the past 5 years revenue at NBT Bancorp Inc grew +12.0 % a year. The price currently implies -3.1 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.

How fast is the sector of NBT Bancorp Inc (NBTB) growing?

The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into NBT Bancorp Inc (-3.1 % per year a year): it shows whether the expectation is within the usual range or beyond it.

What is the free cash flow yield of NBT Bancorp Inc (NBTB)?

The free-cash-flow yield on the price is 8.52 %: that much free cash flow NBT Bancorp Inc produces per unit of market value. When it exceeds the discount rate of our models (8.5 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.

What is the intrinsic value of NBT Bancorp Inc (NBTB)?

Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For NBT Bancorp Inc it is $34.77 per share (as of Sep 24, 2026), against a price of $50.48. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).

Is NBT Bancorp Inc stock overvalued or undervalued in 2026?

As of Sep 24, 2026, NBTB trades above its calculated fair value: price $50.48, fair value $34.77, a gap of about −31% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.

Is fair value the same as the market price of NBTB?

No. The price is what the market pays today ($50.48); the fair value is what the company's own numbers justify ($34.77). For NBT Bancorp Inc the two are $15.71 per share apart. That gap is exactly why we show both numbers side by side.

How much is NBT Bancorp Inc worth?

The market values NBT Bancorp Inc at about $2.6B (market capitalisation, as of Sep 24, 2026). Per share that is $50.48; our models calculate a fair value of $34.77 per share.

What do the bullish and bearish scenarios say about NBTB?

Our models span a range for NBT Bancorp Inc: cautious scenario $29.85, base $34.77, optimistic $49.09 per share (as of Sep 24, 2026, price $50.48). The range comes from different growth and margin assumptions, not from analyst opinions.

What is the P/E ratio of NBTB?

NBT Bancorp Inc trades at a price-to-earnings ratio of 13.8 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $34.77 is built from several models across several years. Other multiples: PEG 2.7, P/B 1.4, P/S 3.7, EV/EBITDA 10.6.

What is the PEG ratio of NBTB?

The PEG ratio of NBT Bancorp Inc is 2.66 (P/E divided by earnings growth, as of Sep 24, 2026). That is above 1, so the growth is already paid for in the price.

How solid is the balance sheet of NBT Bancorp Inc (NBTB)?

Balance-sheet figures for NBT Bancorp Inc (as of Sep 24, 2026): return on equity 10.6%, debt of 0.10 per unit of equity. They feed the Quality Score of 45/100, which measures business quality independently of the share price.

How far is NBTB from its 52-week high?

NBT Bancorp Inc trades at $50.48, about 7% below its 52-week high of $54.26 and 32% above the low of $38.27 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $34.77 is for.

Which stocks are comparable to NBT Bancorp Inc?

From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.

Is NBT Bancorp Inc stock attractive at the current price?

The data as of Sep 24, 2026: price $50.48, calculated fair value $34.77 (−31%), Quality Score 45/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.

How is the fair value of NBTB calculated?

We run NBT Bancorp Inc through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $34.77, with the spread shown as a cautious and an optimistic scenario.

Is it still worth investing in stocks now?

The global stock market currently sits 14.1 % above its aggregate fair value. NBT Bancorp Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.

What is the share price of NBT Bancorp Inc (NBTB)?

The closing price on Sep 23, 2026 was $50.48. Our model-based fair value is $34.77, about −31% upside (overvalued). We carry closing prices from our data provider, not a live tick.

What should I pay attention to with NBT Bancorp Inc right now?

The price sits above even our optimistic bull case ($49.09). The favourable scenario is already priced in. Solid but not exceptional quality (45/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Where does the earnings growth of NBT Bancorp Inc (NBTB) come from?

Earnings per share at NBT Bancorp Inc grew +6.2 % a year from 2014 to 2025. Broken into its drivers: revenue per share +7.0 %, EBIT margin −2.5 %, tax rate +1.8 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of NBT Bancorp Inc

How large is the market capitalisation of NBT Bancorp Inc (NBTB)?

The market capitalisation of NBT Bancorp Inc is $2.6B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.

What is the P/S ratio of NBT Bancorp Inc (NBTB)?

The price-to-sales ratio of NBT Bancorp Inc is 2.68 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.

What are the earnings per share of NBT Bancorp Inc (NBTB)?

Earnings per share at NBT Bancorp Inc are $3.67 (price ÷ EPS = P/E 13.8). Earnings per share over the last twelve months: total profit spread across every single share.

What is the dividend yield of NBT Bancorp Inc (NBTB)?

The dividend yield of NBT Bancorp Inc is 2.9% (payout 39.5%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.

What is the net margin of NBT Bancorp Inc (NBTB)?

The net margin of NBT Bancorp Inc is 19.5% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.

What is the return on equity of NBT Bancorp Inc (NBTB)?

The return on equity (ROE) of NBT Bancorp Inc is 10.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.

What is the EBIT return on assets of NBT Bancorp Inc (NBTB)?

On an EBIT basis the return on assets of NBT Bancorp Inc is 1.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.

What is the operating margin of NBT Bancorp Inc (NBTB)?

The operating margin of NBT Bancorp Inc is 40.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.

How fast is revenue growing at NBT Bancorp Inc (NBTB)?

Revenue at NBT Bancorp Inc is growing +21.6% versus a year earlier (3y avg +17.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.

How fast are earnings growing at NBT Bancorp Inc (NBTB)?

Earnings per share at NBT Bancorp Inc are growing +27.3% versus a year earlier. How much earnings per share grew versus a year earlier.

How much net debt does NBT Bancorp Inc (NBTB) carry?

The net debt of NBT Bancorp Inc is $142M (fiscal year 2025, ≈ 0.6 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.

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