EN DE
Watch NBT Bancorp Inc for free: we tell you when fair value or trend changes.
Data-driven stock valuation

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

As of Nov 6, 2026: fair value (intrinsic value) of NBT Bancorp Inc stock $34.82, price $52.83, that is 34.1% below the price, quality 46 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

  1. Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with one Yes, for free

Financial Services US

NB NBT Bancorp Inc logo Broad data Nov 5, 2026

NBT Bancorp Inc

NBTB · US
Expensive, weak quality

Our calculation puts a fair price 34% below what the stock costs today.

Healthy Growth (revenue 5y +12.0 %/yr in USD)
Highly profitable · 29.7% net margin (TTM)
2.9% dividend yield · Low payout
Upbeat coverage
Broad data
Quality 46/100
Moderate moat 58/100 · thin data
Insiders sold $2.1M (6M)
Fair value $34.82 · Overvalued
Trails peers (4/15)
Watch NBT Bancorp Inc for free: we tell you when fair value or trend changes. Watch for free

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

$54.00 $26.11 Fair Value $34.82 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 5, 2026.

How to read this chart

60‑month range $26.11 – $54.00 · fair‑value band $29.89 – $49.16 · the $52.83 price screens above the $34.82 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 5, 2026.

Follow NBT Bancorp in your weekly email

Every Wednesday you see whether NBT Bancorp is on track or worth a review, plus price against fair value. Free, up to 3 stocks.

We send you a confirmation link. Unsubscribe with one click.

Which stocks are undervalued right now? Check free Discover now →

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.

Show moreShow less

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 $52.83, while our model-based Fair Value estimate is $34.82, 34% below the price, so the stock looks overvalued today.

Show more

Valuation

Bull case: the Multiples group reads highest at a median of $39.85 per share, and 0 of the 6 models we run sit above the $52.83 price.

Bear case: the Asset-Based group reads lowest at $17.87, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $29.89 (bear) to $49.16 (bull), the price of $52.83 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 46/100 (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 $2.8B Mid · P/E ratio 12.7 · P/S ratio 3.82 · EPS (TTM) $4.17 · Dividend yield 2.9% · Net margin 29.7% · Return on equity 11.5% · Return on assets (EBIT) 1.4% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 58 out of 100 (low confidence).

What moves the price

The share trades about 2% below its 52-week high and 38% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −34%, NBTB screens richer than that median.

Fair Value models

Bear $29.89 Fair Value $34.82 Bull $49.16
Price $52.83 · Downside -34.1%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($2.28 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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = 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.
Best data coverage
Residual Income $31.80 $34.82 $42.30 76
DDM Multi-Stage $13.43 $22.98 $30.51 66
Gordon GGM $13.43 $29.27 $49.16 65
All 6 models by family
Dividend Discount
Gordon GGM $13.43 $29.27 $49.16 65
DDM Multi-Stage $13.43 $22.98 $30.51 66
Multiples
P/E Multiple $31.77 $42.36 $52.95 63
P/B Multiple $28.00 $37.34 $46.67 55
Asset-Based
NCAV (Graham) $13.34 $17.87 $26.67 54
Economic Profit
Residual Income $31.80 $34.82 $42.30 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 46/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 31
How much profit the company makes from its sales and capital
Quality Growth 56
Are margins and returns getting better?
Cashflow 87
Do the profits arrive as real cash?
Financial strength 4
Debt, balance sheet and risk of trouble
Investment 53
Does it invest with discipline instead of growing at any price?
Low Volatility 92
How calm the share price moves, does not count
Price momentum 58
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 80
Distance to the 52-week high, does not count
New shares 39
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 5 officers or directors sold shares worth $2.1M and none bought.

  • SaleSarah A HallidayEVP/Chief Comm Innovation Off9,000 shares at $54.04$486,360Jul 29, 2026
  • SaleRuth H MahoneyEVP/President of Wealth Mgmt2× since Jun 5, 2026: 9,500 shares, avg. $50.25$477,350Jul 29, 2026
  • SaleHeidi M HoellerDirector2,100 shares at $48.04$100,884Jun 12, 2026
  • SaleMartin Randolph SparksEVP,General Counsel,Secretary2× since Mar 13, 2026: 3,600 shares, avg. $43.55$156,768Jun 12, 2026
  • SaleJohn H Watt JrDirector21,000 shares at $47.42$995,820Jun 9, 2026
  • SaleAmy WilesEVP, Chief Risk and Credit4,435 shares at $45.72$202,768Feb 17, 2026
  • BuyTimothy E DelaneyDirector22,730 shares at $42.97$976,708Jan 28, 2026

Plus 15 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

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%
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.3.9% vs 6.8%, 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%
Pace: the 5-year rate starts in 2020 (pandemic)

NBTB screens overvalued: fair value 34% below the price. Compare with China Merchants Bank Co →

Recent news

News mood ⓘNews mood, the average tone of recent news (98 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.
Note from the team Oct 11, 2026
AI conclusion: The business draws on a mix of regional lending and financial services operations yet shows only limited durable advantages beyond standard banking activities.
Main risk: Dependence on local lending volumes across seven Northeastern states could directly pressure net interest margins if volumes weaken.
NBT Bancorp runs a community bank with branches spread across seven Northeastern states and pairs it with separate financial services operations. That mix means results depend on both local lending volumes and non-interest income streams. Our models currently see the shares as overvalued. Will fee growth from the services side prove more resilient than net interest margins, or will the regional banking business set the tone?
Join the discussion →

Compare NBT Bancorp Inc with another stock

Price, fair value, quality and upside side by side.

Free, no sign-up

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 · 996 stocks

Beats the industry median on 4/15 measures
Overall it trails its industry peers.
Valuation
Quality Score 46 · Bottom 25%
Fair Value upside −34.1% · Below median
Profitability
Return on equity (12 months) 11.5% · Above median
Return on assets 1.1% · Above median
Net margin (12 months) 29.7% · Below median
Operating margin (12 months) 0.0% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 4.5% · Below median
Dividend yield (12 months) 2.9% · Above median
Balance sheet
Debt / equity 0.10× · Lowest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 12.7× · Pricier than median
P/B 1.46× · Pricier than median
P/S (12 months) 3.82× · Pricier than median
Price / free cash flow (fiscal year) 12.6× · Pricier than median
EV/EBITDA 11.5× · Pricier than median
PEG 2.66× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)23 · sector 47
PAST (return on equity)46 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)57 · sector 53

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

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

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 Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs NBTB
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs NBTB
BNP Paribas SA BNP €91.93 €106.01 +15% vs NBTB
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs NBTB
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs NBTB
UniCredit S.p.A UCG €76.80 €50.44 −34% vs NBTB
Mizuho Financial Group MFG $9.40 $5.89 −37% vs NBTB
DBS Group D05 69.72 SGD 40.39 SGD −42% vs NBTB
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs NBTB
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs NBTB

Explore undervalued stocks

More undervalued Financial Services stocks →

All undervalued stocks TechnologyFinancial ServicesHealthcareConsumer CyclicalConsumer DefensiveCommunication ServicesIndustrialsEnergyBasic MaterialsReal EstateUtilities Deeply Undervalued StocksUndervalued High-Quality StocksUndervalued Blue-Chip StocksUndervalued Small-Cap StocksUndervalued Dividend StocksUndervalued 52-Week Low Stocks

Try a ready-made strategy

Pick a strategy and jump into the live analysis with that exact screen applied.

🥇 Backtested Best 🏆 Big Names 💎 Quality on Sale 🚀 Profitable Growth 🧊 Quality Compounders 💵 Dividend Stars 📈 Strong Momentum 📉 Fallen Angels ⚖️ Deeply Undervalued 🔍 Small-Cap Gems 🏰 Moat at a Fair Price 💼 Insider Buying 🎩 Buffett-Style Quality 📚 Peter Lynch GARP 🧮 Greenblatt Magic Formula 🛡️ Graham Defensive

Discover tools

Stock screenerFilter by region, size and sector Compare toolTwo stocks side by side Extrinsic Value Calculator…Free calculator Peter Lynch Fair Value Formula &…Free calculator
Run the numbers yourself: free valuation calculators
DCF CalculatorP/E Ratio CalculatorPEG Ratio CalculatorGraham NumberPeter Lynch FormulaDDM CalculatorIntrinsic ValueIntrinsic vs Extrinsic ValueP/E Ratio by Sector
For bloggers & editors: embed code + live data

For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.

NBT Bancorp Inc: fair value per Fair Value Calculator

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 Nov 5, 2026, our model estimates a fair value of $34.82 versus a price of $52.83, about 34% lower (overvalued).
What is the fair value of NBTB?
Our model-based fair value for NBT Bancorp Inc is $34.82 (as of Nov 5, 2026), built from audited fundamentals. The current price: $52.83.
What is the quality score of NBTB?
NBT Bancorp Inc has a Quality Score of 46/100. 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 $34.82 (as of Nov 5, 2026) from 6 valuation models. Cautious scenario $29.89, optimistic scenario $49.16. 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 $34.82, about 34% lower versus a price of $52.83 (overvalued). Cautious scenario $29.89, optimistic scenario $49.16. 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 $724M (latest available figure, as of Nov 5, 2026).
Does NBT Bancorp Inc pay a dividend?
NBT Bancorp Inc currently shows a dividend yield of 2.86% relative to its recent price (as of Nov 5, 2026).
How much is the dividend of NBT Bancorp Inc (NBTB) and when is the ex-dividend date?
NBT Bancorp Inc pays a dividend of $1.51 per share a year, a dividend yield of 2.9%. The next ex-dividend date is Dec 1, 2026. A dividend has been paid every year since at least 1992. The payout ratio is 33.6% of earnings (on adjusted earnings, reported 36.2%). Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
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 $34.82 per share (as of Nov 5, 2026), against a price of $52.83. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is NBT Bancorp Inc stock overvalued or undervalued in 2026?
As of Nov 5, 2026, NBTB trades above its calculated fair value: price $52.83, fair value $34.82, a gap of about −34% (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 ($52.83); the fair value is what the company's own numbers justify ($34.82). For NBT Bancorp Inc the two are $18.01 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 $2.8B (market capitalisation, as of Nov 5, 2026). Per share that is $52.83; our models calculate a fair value of $34.82 per share.
What do the bullish and bearish scenarios say about NBTB?
Our models span a range for NBT Bancorp Inc: cautious scenario $29.89, base $34.82, optimistic $49.16 per share (as of Nov 5, 2026, price $52.83). 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 12.7 (as of Nov 5, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $34.82 is built from several models across several years. Excluding one-off items of fiscal year 2025 it is 14.7 (reported for FY2025: 15.9). Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings, FY2016, FY2023, FY2025 ex one-offs: 13.9. Other multiples: PEG 2.7, P/B 1.5, P/S 3.8, EV/EBITDA 11.5.
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 Nov 5, 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 Nov 5, 2026): return on equity 11.5%, debt of 0.10 per unit of equity. They feed the Quality Score of 46/100, which measures business quality independently of the share price.
How far is NBTB from its 52-week high?
NBT Bancorp Inc trades at $52.83, about 2% below its 52-week high of $54.00 and 38% above the low of $38.30 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $34.82 is for.
Which stocks are comparable to NBT Bancorp Inc?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, 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 Nov 5, 2026: price $52.83, calculated fair value $34.82 (−34%), Quality Score 46/100, 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 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $34.82 builds on their evidence-weighted average, 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 13.3% 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 Nov 6, 2026 was $52.83. Our model-based fair value is $34.82, about 34% lower (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 ($49.16). The favourable scenario is already priced in. Weak quality (46/100) and above fair value at the same time, the margin of safety is missing on both counts. 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 $2.8B. 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 3.82 (last twelve months). 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 $4.17 (price ÷ EPS = P/E 12.7). 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 33.6%, on adjusted earnings, reported 36.2%). 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 29.7% (last twelve months). 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 11.5% (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.
How fast is revenue growing at NBT Bancorp Inc (NBTB)?
Revenue at NBT Bancorp Inc is growing +4.5% 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 +7.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does NBT Bancorp Inc (NBTB) generate?
The free cash flow of NBT Bancorp Inc is $219M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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.
Free · no account needed

Watch NBT Bancorp Inc in the live analysis

One click puts NBT Bancorp Inc on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.

Watch for free →

Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.