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NBTB Stock Chart & Stats
$45.65
-$0.20(-0.43%)
At close: 4:00 PM EST
$45.65
-$0.20(-0.43%)
Day’s Range― - ―
52-Week Range$39.20 - $49.98
Previous CloseN/A
Volume22.11K
Average Volume (3M)188.66K
Market Cap
$2.57B
Enterprise Value$2.42B
Total Cash (Recent Filing)$151.56M
Total Debt (Recent Filing)$160.92M
Price to Earnings (P/E)13.9
Beta0.78
Next Earnings
Jul 27, 2026EPS Estimate
1.02Next Dividend Ex-DateN/A
Dividend Yield3.33%
Share Statistics
EPS (TTM)3.56
Shares Outstanding52,010,230
10 Day Avg. Volume197,356
30 Day Avg. Volume188,656
Financial Highlights & Ratios
PEG Ratio1.03
Price to Book (P/B)1.03
Price to Sales (P/S)2.25
P/FCF Ratio8.93
Enterprise Value/Market Cap0.94
Enterprise Value/Revenue2.59
Enterprise Value/Gross Profit3.48
Enterprise Value/Ebitda9.22
Forecast
1Y Price Target
$52.00Price Target Upside13.91% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)4.17
Revenue Forecast (FY)$761.25M
Bulls Say, Bears Say
Bulls Say
Growth OpportunitiesInvestments in semiconductor chip manufacturing plants in Upstate NY provide a favorable growth backdrop for NBTB.
Market StrategyExecuting well in their rural, suburban and lower density urban markets.
Bears Say
Risks And ConcernsRisks to our thesis include but not limited to a general weakness in community bank stocks, credit deterioration, interest rate sensitivity, and share liquidity risk.
NBT Bancorp News
NBTB FAQ
What was NBT Bancorp’s price range in the past 12 months?
NBT Bancorp lowest stock price was $39.20 and its highest was $49.98 in the past 12 months.
What is NBT Bancorp’s market cap?
NBT Bancorp’s market cap is $2.57B.
When is NBT Bancorp’s upcoming earnings report date?
NBT Bancorp’s upcoming earnings report date is Jul 27, 2026 which is in 26 days.
How were NBT Bancorp’s earnings last quarter?
NBT Bancorp released its earnings results on Apr 23, 2026. The company reported $0.97 earnings per share for the quarter, missing the consensus estimate of $0.977 by -$0.007.
Is NBT Bancorp overvalued?
According to Wall Street analysts NBT Bancorp’s price is currently Undervalued.
Does NBT Bancorp pay dividends?
NBT Bancorp pays a Quarterly dividend of $0.37 which represents an annual dividend yield of 3.33%. See more information on NBT Bancorp dividends here
What is NBT Bancorp’s EPS estimate?
NBT Bancorp’s EPS estimate is 1.02.
How many shares outstanding does NBT Bancorp have?
NBT Bancorp has 52,010,230 shares outstanding.
What happened to NBT Bancorp’s price movement after its last earnings report?
NBT Bancorp reported an EPS of $0.97 in its last earnings report, missing expectations of $0.977. Following the earnings report the stock price went down -4.505%.
Which hedge fund is a major shareholder of NBT Bancorp?
Currently, no hedge funds are holding shares in NBTB
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
NBT Bancorp Stock Smart Score
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
$52.00 (13.91% Upside)
$52.00 (13.91% Upside)
Blogger Sentiment
Bullish
NBTB Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 5.2K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $1.4M over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-10.96%
12-Months-Change
Fundamentals
Return on Equity
9.83%
Trailing 12-Months
Asset Growth
16.88%
Trailing 12-Months
Company Description
NBT Bancorp
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.
NBTB Company Deck
NBTB Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented a net positive tone: year-over-year earnings, tangible book value, net interest income and margin all showed meaningful improvement, fee income growth reached an all-time high in retirement plan services, deposits strengthened and capital flexibility allowed for buybacks and M&A optionality. Offsetting items included quarter-to-quarter loan decline driven by planned runoff and elevated commercial payoffs, an increase in provisions and some localized asset-quality deterioration (a specific C&I and several CRE credits), modest quarter-over-quarter earnings seasonality, and competitive pressure in indirect auto. Overall the company appears well-capitalized and positioned to support market opportunities while managing tactical headwinds.View all NBTB earnings summariesNBTB Stock 12 Month Forecast
Average Price Target
$52.00
▲(13.91% Upside)
Technical Analysis
Banner
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Enterprise Financial Services
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First Bancorp
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Stock Yards Bancorp
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Customers Bancorp
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Ownership Overview
2.67% Insiders
22.10% Mutual Funds
5.51% Other Institutional Investors
39.36% Public Companies and
Individual Investors