NBT Bancorp Inc. NBTB

51.57 0.44 0.86% as of 25 Sep
Market cap
$2.7B
P/E
12.6×
Growth Flags show if company had growth for consecutive years,
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total buys 1.47
Total sells 2.42
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy 1 1 — 1 — — — — — — — —
Sell — — — — 1 1 — — 4 2 — —
Insider Ownership 1.44%

Capital & Financial Ratios

Market Cap 2,660.00
Revenue 948.39
Net Income 214.15
Free Cash Flow 245.61
Net Debt (139.90)
Current Ratio 0.87
Debt/Equity 0.08
P/E ratio 12.58
P/S ratio 2.83
P/B ratio 1.38
Past 5Y EPS Growth 1.57%
This Y EPS Growth 9.22%
Next Y EPS Growth 9.23%
Next 5Y EPS Growth 9.75%
in millions of $

Dividends

Payout Ratio 0.37
Annual Dividend Rate 1.28
Annual Dividend Yield 3.86%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 1.53
0.37
0.37
0.40
2025 1.42
0.34
0.34
0.37
0.37
2024 1.32
0.32
0.32
0.34
0.34
2023 1.24
0.30
0.30
0.32
0.32
2022 1.16
0.28
0.28
0.30
0.30
2021 1.10
0.27
0.27
0.28
0.28
2020 1.08
0.27
0.27
0.27
0.27
2019 1.05
0.26
0.26
0.26
0.27
2018 0.99
0.23
0.25
0.25
0.26
2017 0.92
0.23
0.23
0.23
0.23
2016 0.90
0.22
0.22
0.23
0.23
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 205 284 487 295
Receivables — — — —
Inventory — — — —
Other — — — —
9,745 10,148 11,948 12,028
2023 2024 2025 Q'26
Payables 10,969 11,547 13,499 13,537
ST’ Debt — — — —
Other — — — —
11,356 11,710 13,647 13,854
in millions of $

Compound Annual Growth

10y 5y 3y
Sales 8.75% 12.88% 18.87%
Cash Flow 6.57% 10.12% 8.68%
Earnings 8.27% 10.15% 3.65%
Book Value 7.95% 9.81% 17.34%

Revenue

Mar Jun Sep Dec Year
’26 233 235 — — —
’25 202 225 242 238 906
’24 192 194 202 200 788
’23 146 153 177 189 665
’22 127 133 136 143 540
’21 121 123 123 130 498
’20 125 122 123 125 495
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 53 62 — — —
’25 42 46 81 66 235
’24 37 51 52 49 189
’23 22 45 55 36 157
’22 35 69 49 30 183
’21 42 53 41 22 159
’20 41 36 30 38 145
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 49 61 — — —
’25 38 44 74 62 219
’24 34 49 48 46 177
’23 20 44 51 33 148
’22 34 68 47 27 176
’21 41 51 39 20 151
’20 38 36 29 34 137
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 0.98 1.02 — — —
’25 0.77 0.44 1.03 1.06 3.33
’24 0.71 0.69 0.80 0.76 2.97
’23 0.78 0.70 0.54 0.64 2.65
’22 0.90 0.88 0.90 0.84 3.52
’21 0.91 0.92 0.86 0.86 3.54
’20 0.23 0.56 0.80 0.78 2.37
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

2.4
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
23.81 31.28 30.36 34.09 26.10 31.02 34.58 27.53 32.79 37.31

Analyst estimates 2026–2028

Powerpack
Low Price
42.49 42.56 41.88 41.50 41.27 42.79 48.68 45.02 52.44 49.18
High Price
1,704 1,733 1,791 1,788 1,812 1,801 1,861 2,034 2,083 2,303
Employees
0 0 0 0 0 0 0 0 0 0
Revenue/Emp
403 431 469 512 495 498 540 665 788 906
Revenue
94.41% 93.98% 91.76% 89.06% 93.41% 96.22% 95.95% 78.26% 73.17% 76.89%
Gross Margin
119 128 137 155 133 200 196 153 179 219
EBT
29.50% 29.76% 29.21% 30.38% 26.91% 40.16% 36.35% 23.08% 22.76% 24.21%
EBT Margin
78 82 113 121 104 155 152 119 141 169
Net Income
21 19 17 24 25 26 23 25 30 35
Depreciation
9.31 9.88 10.73 11.68 11.32 11.46 12.57 14.93 16.72 17.90
Revenue/Sh
1.81 1.89 2.58 2.76 2.39 3.57 3.54 2.67 2.98 3.34
Earnings/Sh
2.56 3.14 3.38 3.50 3.32 3.67 4.27 3.54 4.00 4.64
Cash Flow/Sh
(0.08) (0.15) (0.17) (0.15) (0.19) (0.18) (0.16) (0.21) (0.25) (0.32)
Capex/Sh
2.48 2.99 3.21 3.35 3.14 3.49 4.11 3.33 3.75 4.32
Free CF/Sh
21.12 21.99 23.29 25.57 27.18 28.80 27.34 32.02 32.36 37.44
Book Value/Sh
43 44 44 44 44 43 43 45 47 51
Shares
23.19 19.54 13.41 14.64 13.43 10.82 12.10 15.81 16.03 12.47
PE Ratio
4.51 3.72 3.22 3.47 2.84 3.36 3.41 2.83 2.86 2.32
PS Ratio
1.99 1.67 1.49 1.59 1.18 1.34 1.57 1.32 1.48 1.11
PB Ratio
4.62 3.76 3.21 3.37 1.96 1.24 3.42 2.89 2.82 1.98
EV/Sales
17.36 12.44 10.73 11.75 7.06 4.08 10.47 12.99 12.56 8.20
EV/FCF
111 137 148 153 145 159 183 157 189 235
Op' Cash Flow
(3) (7) (7) (7) (8) (8) (7) (9) (12) (16)
Capex
107 130 140 147 137 151 176 148 177 219
FCF
(1,364) (1,203) (1,237) (951) (1,187) (1,656) (1,834) (1,611) (1,562) (1,699)
Working Cap'
205 190 175 165 238 214 203 251 252 179
Total Debt
47 19 (6) (51) (434) (1,055) 6 46 (32) (308)
Net Debt
913 958 1,018 1,120 1,188 1,250 1,174 1,426 1,526 1,896
Sh' Equity
0.92% 0.91% 1.20% 1.26% 1.01% 1.35% 1.28% 0.95% 1.04% 1.14%
ROA
7.73% 8.20% 8.46% 9.09% 11.04% 64.04% 10.45% 6.94% 7.57% 9.40%
ROIC
8.73% 8.78% 11.39% 11.32% 9.05% 12.71% 12.54% 9.14% 9.53% 9.89%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

NBT Bancorp Inc. (NBTB) key facts

  • NBT Bancorp Inc. (NBTB) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • NBT Bancorp Inc.’s revenue for fiscal 2025 (year ended December 2025) was $906.5 million, up 15.0% from fiscal 2024.
  • Net income was $169.2 million, or $3.34 per share (basic), a net margin of 18.7%.
  • As of September 25, 2026, NBTB traded at $51.57, a market capitalization of $2.7 billion.
  • At that price the stock trades at 12.6× trailing-twelve-month earnings and 2.8× sales.
  • NBT Bancorp Inc. pays an annual dividend of $1.28 per share, a yield of 3.86%, with a payout ratio of 37.3%.
  • Return on equity was 9.89% and debt-to-equity 0.08.

Source: company filings (standardised) and stockrow calculations.

NBT Bancorp Inc. (NBTB) Latest News

News by impact score

Fine-tune

21 Sep

3

NBT Bancorp Inc. says Kimberly A. Boynton will join the Boards of Directors of NBT Bancorp Inc. and NBT Bank, N.A., effective October 1, 2026. Boynton is the former President and CEO of Crouse Health (2014–2023) and currently works as a licensed real estate salesperson with Cushman & Wakefield | Pyramid Brokerage in the Syracuse area. Board Chair Martin A. Dietrich praised her multi-industry expertise in healthcare leadership, financial management, governance and commercial real estate, plus her understanding of Central New York’s economy. Her background includes CFO work at Crouse Health and decades in public accounting with Coopers & Lybrand. She serves on multiple boards (SRC, Inc.; AAA Western and Central New York; Byrne Dairy; NYSTEC) and holds a BBA in Accounting from Niagara University and an MBA from Syracuse University. NBT Bancorp reports $16.21 billion in assets and 174 NBT Bank locations across New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Maine and Connecticut. Adds governance depth and regional insight that could moderately influence board decisions without signaling an immediate financial or strategic overhaul.

3 Aug

3

NBT Bancorp Inc. held its Q2 earnings call, addressing the top five analyst questions on financial results and outlook. Q2 earnings discussion and analyst questions offer moderate insight into performance without indicating major strategic shifts.

29 Jul

3

NBTB Q2 results showed loan growth paired with shifting deposit mix that produced mixed financial performance. Q2 loan and deposit details can affect near-term NBTB financial outlook and investor sentiment.

28 Jul

3

NBT Bancorp reported Q2 earnings and raised its dividend, leading to the conclusion that NBTB shares are fully valued at present prices. Q2 earnings release plus dividend hike deliver routine updates that moderately shape short-term sentiment without altering long-term trajectory.

3

NBT Bancorp Inc reported strong Q2 2026 earnings growth and sustained its dividend. Earnings growth and dividend continuity typically produce moderate effects on valuation and sentiment.

3

NBT Bancorp Inc. (NBTB) released Q2 earnings call highlights covering financial results and outlook. Q2 earnings highlights deliver financial metrics that shape near-term stock movement and sentiment.

3 transcript

NBT Bancorp Inc. held its Q2 2026 earnings call covering quarterly financial results, performance metrics, and outlook. Quarterly earnings details can shift short-term investor sentiment and valuation without altering long-term strategy.

27 Jul

3

NBT Bancorp Inc. (NBTB) Q2 earnings include key metrics on revenue, net income, loans, deposits and efficiency ratios that reflect quarterly financial performance. Q2 earnings metrics can moderately shift investor sentiment and short-term stock movement for NBTB.

29 Apr

4

NBT Bancorp Inc. (NBTB) reported strong Q1 results with robust earnings growth and continues aggressive share buybacks, supporting a positive valuation outlook amid favorable banking conditions. Strong Q1 earnings and ongoing share buybacks enhance financial metrics and investor sentiment, significantly impacting NBTB's market performance and trajectory.

27 Apr

4

NBT Bancorp Inc. (NBTB) released Q1 earnings call highlights detailing financial results, loan growth, deposit trends, net interest margin, and forward guidance. Q1 earnings call highlights directly impact financial metrics, investor sentiment, and stock trajectory.

25 Apr

4

NBT Bancorp Inc. (NBTB) reported strong financial health in Q1 2026 earnings call highlights, navigating loan challenges effectively. Strong Q1 earnings amid loan pressures signal significant positive impact on financial performance and investor sentiment.

3

NBT Bancorp Inc. (NBTB) Q1 results show noninterest income offsetting loan runoff while deposit mix improves. Noninterest income offsetting loan runoff and deposit mix improvement provide moderate boost to financial performance.

24 Apr

4 transcript

NBT Bancorp Inc. (NBTB) Q1 2026 earnings call transcript released, covering quarterly financial results, management discussion, and forward-looking statements. Quarterly earnings call transcript discloses financial metrics, strategic updates, and guidance that significantly shape investor sentiment and stock trajectory.

3

NBT Bancorp Inc. Q1 2026 earnings call summary details quarterly financial results, strategic updates, and forward guidance for the regional bank. Quarterly earnings summaries reveal financial performance and outlook, moderately influencing stock price and investor sentiment.

23 Apr

4

NBT Bancorp Inc. announced first quarter 2026 results. Quarterly earnings releases deliver critical financial data that can substantially sway stock price and investor confidence.

3

NBT Bancorp Inc. (NBTB) released Q1 earnings, analyzing key metrics for insights into financial performance. Q1 earnings reports moderately influence NBTB's financial performance and investor sentiment.

3

NBT Bancorp Inc. (NBTB) Q1 earnings and revenues missed analyst estimates. Q1 earnings and revenue misses directly impact NBTB's financial performance and short-term market sentiment.

3

NBT Bancorp Inc. (NASDAQ:NBTB) missed Q1 CY2026 revenue estimates. Missing Q1 revenue estimates signals weaker-than-expected financial performance, likely causing moderate short-term pressure on stock price and investor sentiment.

22 Apr

4

NBT Bancorp (NBTB) releases quarterly earnings tomorrow, with analysts forecasting revenue, EPS, and potential impacts on stock price. Upcoming earnings reports typically trigger significant volatility and shifts in investor sentiment for NBTB's market performance.

16 Apr

3

NBT Bancorp (NBTB) earnings are expected to grow next week, with analysts forecasting revenue and EPS increases driven by loan growth and deposit expansion amid regional banking strength. Expected earnings growth previews typically influence short-term stock sentiment and trading around release dates.

8 Mar

4

Investors are reacting negatively to scrutiny on NBT Bancorp (NBTB) over risks in private credit exposure and deteriorating loan quality, raising concerns about potential credit losses and financial stability. Scrutiny over private credit and loan quality risks signals major threats to NBTB's core banking operations, financial health, and investor sentiment.

18 Feb

4

NBT Bancorp Inc. (NBTB) Q4 earnings prompt analyst debate on buy, sell, or hold recommendation, evaluating financial results, growth outlook, and market positioning. Q4 earnings directly shape NBTB's financial trajectory, stock valuation, and investor decisions.

12 Feb

4

NBT Bancorp Inc. (NBTB) is highlighted as a small-cap stock with promising prospects, suggesting potential growth and investment opportunities. The article contrasts NBTB with two other stocks deemed less favorable, indicating a positive outlook for NBTB amidst a competitive landscape. Investors may find NBTB appealing due to its strategic positioning and market potential. The identification of NBTB as a promising investment suggests significant potential for future growth and market performance.

5 Feb

3

NBT Bancorp Inc. (NBTB) is highlighted among three stocks under $50 that have open questions regarding their future performance. The article discusses the current market conditions and uncertainties that could impact NBTB's trajectory, including economic factors and competitive pressures. Investors are advised to consider these elements when evaluating NBTB's potential. Market uncertainties and competitive pressures may moderately influence NBTB's financial performance and positioning.

2 Feb

3 transcript

NBT Bancorp Inc. (NBTB) held its Q4 earnings call, during which analysts posed five notable questions that highlighted key areas of interest regarding the company's performance and future strategies. The discussion focused on financial metrics, market positioning, and potential growth opportunities, reflecting the analysts' keen interest in understanding the bank's operational outlook and strategic direction. Analyst questions indicate a moderate influence on the company's financial performance and strategic positioning.

29 Jan

4

NBT Bancorp Inc. (NBTB) is highlighted as an attractive dividend stock due to its consistent dividend payments, strong financial performance, and solid balance sheet. The company has a history of increasing dividends, making it appealing for income-focused investors. Current market conditions and NBTB's strategic initiatives further enhance its position as a reliable dividend payer, suggesting potential for continued growth and stability in returns for shareholders. Strong financial performance and consistent dividend growth indicate significant positive impact on future market performance.

27 Jan

4

NBT Bancorp Inc. reported earnings that exceeded expectations and announced a higher dividend, which could significantly enhance investor sentiment and attract new shareholders. The positive financial results and increased dividend signal strong performance and commitment to returning value to shareholders, potentially positioning the company favorably in the market. The combination of an earnings beat and a higher dividend is likely to significantly impact investor sentiment and the company's market position.

4

NBT Bancorp Inc. reported strong revenue growth in Q4 2025, highlighting strategic initiatives that are expected to enhance its market position. The earnings call emphasized the company's focus on expanding its services and improving operational efficiency, which contributed to positive financial results. Management expressed confidence in sustaining this growth trajectory moving forward. Strong revenue growth and strategic initiatives are likely to significantly impact future performance and investor sentiment.

4

NBT Bancorp Inc. reported strong loan growth and a favorable deposit mix in Q4, which are expected to shape its future outlook positively. The company is also exploring potential mergers and acquisitions to enhance its market position. These developments indicate a strategic focus on expanding its operations and improving financial performance. Significant strategic moves, including loan growth and M&A exploration, are likely to impact future performance and investor sentiment.

4 transcript

NBT Bancorp Inc. reported its Q4 earnings, highlighting key financial metrics and strategic initiatives. The company demonstrated growth in net income and assets, driven by increased loan demand and improved net interest margins. Management discussed plans for expanding services and enhancing customer experience, while also addressing challenges in the current economic environment. Overall, the earnings call reflected a positive outlook for the upcoming quarters, with a focus on maintaining strong performance and adapting to market changes. Significant strategic initiatives and financial growth are expected to influence the company's future performance and investor sentiment.

stockrow.com/NBTB · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com