Claim 50% Off TipRanks Premium
- Unlock hedge fund-level data and powerful investing tools for smarter, sharper decisions
- Stay ahead of the market with the latest news and analysis and maximize your portfolio's potential
An update from NBT Bancorp ( (NBTB) ) is now available.
On January 26, 2026, NBT Bancorp reported that net income for the fourth quarter of 2025 rose to $55.5 million, or $1.06 per diluted share, up from $36.0 million, or $0.76 per share, a year earlier, while full-year 2025 net income increased to $169.2 million, or $3.33 per diluted share, from $140.6 million, or $2.97 per share, in 2024. The bank’s 2025 performance was bolstered by its May 2, 2025 acquisition of Evans Bancorp, which added 200 employees, 18 branches, $1.67 billion in loans and $1.86 billion in deposits, driving double-digit growth in loans and deposits, record net revenues, and a reported return on average assets of 1.37% and tangible common equity returns above 17%, while maintaining stable asset quality and strong capital ratios. The company highlighted slight quarterly net interest margin compression due to Federal Reserve rate cuts late in 2025, but benefited from lower funding costs, ongoing organic loan and deposit growth, and its thirteenth consecutive annual dividend increase, underscoring a strategy focused on profitable expansion and shareholder returns amid a changing rate environment. Separately, the company announced that Executive Vice President, Chief Credit Officer and Chief Risk Officer Amy C. Wiles, a member of the executive team since 2017, notified NBT on January 26, 2026 that she will step down from her role effective May 21, 2026 and move to an advisory position until her planned retirement in January 2027, with the company emphasizing that her transition does not stem from any disagreement with management or operations.
The most recent analyst rating on (NBTB) stock is a Buy with a $51.00 price target. To see the full list of analyst forecasts on NBT Bancorp stock, see the NBTB Stock Forecast page.
Spark’s Take on NBTB Stock
According to Spark, TipRanks’ AI Analyst, NBTB is a Outperform.
NBT Bancorp’s overall stock score of 74 reflects its strong financial performance and positive earnings call, which highlight robust growth and strategic initiatives. The valuation is fair, offering a reasonable P/E ratio and a solid dividend yield. Technical analysis indicates a neutral to slightly bearish trend, which slightly tempers the overall score.
To see Spark’s full report on NBTB stock, click here.
More about NBT Bancorp
NBT Bancorp Inc. is a U.S.-based regional banking company listed on Nasdaq under the ticker NBTB, providing commercial and consumer banking services through a network of branches, with a growing presence in Western New York following its acquisition of Evans Bancorp. The company focuses on traditional lending and deposit products, noninterest income services, and disciplined credit risk management, targeting customers in its regional footprint while maintaining strong capital and asset quality metrics.
Average Trading Volume: 223,791
Technical Sentiment Signal: Strong Buy
Current Market Cap: $2.28B
Find detailed analytics on NBTB stock on TipRanks’ Stock Analysis page.