NBT Bancorp Inc. NBTB
- Market cap
- $2.7B
- P/E
- 12.6×
Follow NBTB
Target Price Range
Analyst price targets
Free account| 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
|
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| 42.49 | 42.56 | 41.88 | 41.50 | 41.27 | 42.79 | 48.68 | 45.02 | 52.44 | 49.18 |
High Price
|
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| 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
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| 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
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| 29.50% | 29.76% | 29.21% | 30.38% | 26.91% | 40.16% | 36.35% | 23.08% | 22.76% | 24.21% |
EBT Margin
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| 78 | 82 | 113 | 121 | 104 | 155 | 152 | 119 | 141 | 169 |
Net Income
|
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| 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
|
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| 1.81 | 1.89 | 2.58 | 2.76 | 2.39 | 3.57 | 3.54 | 2.67 | 2.98 | 3.34 |
Earnings/Sh
|
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| 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
|
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| 2.48 | 2.99 | 3.21 | 3.35 | 3.14 | 3.49 | 4.11 | 3.33 | 3.75 | 4.32 |
Free CF/Sh
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| 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
|
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| 23.19 | 19.54 | 13.41 | 14.64 | 13.43 | 10.82 | 12.10 | 15.81 | 16.03 | 12.47 |
PE Ratio
|
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| 4.51 | 3.72 | 3.22 | 3.47 | 2.84 | 3.36 | 3.41 | 2.83 | 2.86 | 2.32 |
PS Ratio
|
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| 1.99 | 1.67 | 1.49 | 1.59 | 1.18 | 1.34 | 1.57 | 1.32 | 1.48 | 1.11 |
PB Ratio
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| 4.62 | 3.76 | 3.21 | 3.37 | 1.96 | 1.24 | 3.42 | 2.89 | 2.82 | 1.98 |
EV/Sales
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| 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
|
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| 107 | 130 | 140 | 147 | 137 | 151 | 176 | 148 | 177 | 219 |
FCF
|
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| (1,364) | (1,203) | (1,237) | (951) | (1,187) | (1,656) | (1,834) | (1,611) | (1,562) | (1,699) |
Working Cap'
|
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| 205 | 190 | 175 | 165 | 238 | 214 | 203 | 251 | 252 | 179 |
Total Debt
|
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| 47 | 19 | (6) | (51) | (434) | (1,055) | 6 | 46 | (32) | (308) |
Net Debt
|
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| 913 | 958 | 1,018 | 1,120 | 1,188 | 1,250 | 1,174 | 1,426 | 1,526 | 1,896 |
Sh' Equity
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| 0.92% | 0.91% | 1.20% | 1.26% | 1.01% | 1.35% | 1.28% | 0.95% | 1.04% | 1.14% |
ROA
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| 7.73% | 8.20% | 8.46% | 9.09% | 11.04% | 64.04% | 10.45% | 6.94% | 7.57% | 9.40% |
ROIC
|
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| 8.73% | 8.78% | 11.39% | 11.32% | 9.05% | 12.71% | 12.54% | 9.14% | 9.53% | 9.89% |
ROE
|
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NBT Bancorp Inc. peers in Banks Regional
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| TRMK Trustmark Corporation | $2.7B | 11.7× | Compare |
| FBK FB Financial Corporation | $2.6B | 14.1× | Compare |
| CUBI Customers Bancorp, Inc | $2.6B | 9.1× | Compare |
| FBNC First Bancorp | $2.6B | 19.7× | Compare |
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| BBAR BBVA Banco Frances S.A. | $2.8B | 9.6× | Compare |
| FRME First Merchants Corporation | $2.5B | 13.0× | Compare |
| BANR Banner Corporation | $2.5B | 11.3× | Compare |
| BANC Banc of California, Inc. | $2.8B | 0.0× | Compare |
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.
NBT Bancorp Inc. (NBTB) Latest News
21 Sep
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
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
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
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.
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.
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.
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
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
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
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
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.
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
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.
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
NBT Bancorp Inc. announced first quarter 2026 results. Quarterly earnings releases deliver critical financial data that can substantially sway stock price and investor confidence.
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.
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.
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
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
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
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
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
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
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
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
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
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.
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.
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.
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.