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NBT Bancorp (NBTB)
NASDAQ:NBTB
NBTB Stock Chart & Stats
$43.50
-$0.20(-0.43%)
At close: 4:00 PM EST
$43.50
-$0.20(-0.43%)
Day’s Range― - ―
52-Week Range$37.31 - $52.44
Previous CloseN/A
Volume22.11K
Average Volume (3M)188.66K
Market Cap
$2.28B
Enterprise Value$2.26B
Total Cash (Recent Filing)$806.05M
Total Debt (Recent Filing)$319.36M
Price to Earnings (P/E)14.5
Beta0.80
Next Earnings
Jan 28, 2026EPS Estimate
0.98Next Dividend Ex-DateN/A
Dividend Yield3.26%
Share Statistics
EPS (TTM)1.05
Shares Outstanding52,315,193
10 Day Avg. Volume197,356
30 Day Avg. Volume188,656
Financial Highlights & Ratios
PEG Ratio1.38
Price to Book (P/B)1.48
Price to Sales (P/S)2.87
P/FCF Ratio12.74
Enterprise Value/Market Cap0.99
Enterprise Value/Revenue2.61
Enterprise Value/Gross Profit3.59
Enterprise Value/Ebitda10.21
Forecast
1Y Price Target
$47.00Price Target Upside8.05% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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 $37.31 and its highest was $52.44 in the past 12 months.
What is NBT Bancorp’s market cap?
NBT Bancorp’s market cap is $2.28B.
When is NBT Bancorp’s upcoming earnings report date?
NBT Bancorp’s upcoming earnings report date is Jan 28, 2026 which is in 37 days.
How were NBT Bancorp’s earnings last quarter?
NBT Bancorp released its earnings results on Oct 27, 2025. The company reported $1.05 earnings per share for the quarter, beating the consensus estimate of $0.968 by $0.082.
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 3.26%. See more information on NBT Bancorp dividends here
What is NBT Bancorp’s EPS estimate?
NBT Bancorp’s EPS estimate is 0.98.
How many shares outstanding does NBT Bancorp have?
NBT Bancorp has 52,315,193 shares outstanding.
What happened to NBT Bancorp’s price movement after its last earnings report?
NBT Bancorp reported an EPS of $1.05 in its last earnings report, beating expectations of $0.968. Following the earnings report the stock price went up 1.362%.
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:
$47.00 (8.05% Upside)
$47.00 (8.05% Upside)
Hedge Fund Trend
Decreased
By 53.7K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $490.8K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▼ 1.4%
Last 30 Days ▼ 4.5%
Last 30 Days ▼ 4.5%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-10.96%
12-Months-Change
Fundamentals
Return on Equity
8.87%
Trailing 12-Months
Asset Growth
18.61%
Trailing 12-Months
Company Description
NBT Bancorp
NBT Bancorp Inc., a financial holding company, provides commercial banking, retail banking, and wealth management services. Its deposit products include demand deposit, savings, negotiable order of withdrawal, money market deposit, and certificate of deposit accounts. The company's loan portfolio comprises commercial and industrial, commercial real estate, agricultural, and commercial construction loans; indirect and direct consumer, home equity, mortgages, business banking loans, and commercial loans; and residential real estate loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan consulting and recordkeeping services. In addition, the company offers insurance products comprising personal property and casualty, business liability, and commercial insurance, as well as other products and services through 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. As of December 31, 2021, it had 140 branches and 164 ATMs in New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Connecticut, and Maine. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York.
NBTB Company Deck
NBTB Earnings Call
Q3 2025
0:00 / 0:00
Earnings Call Sentiment|Neutral
The earnings call reflects a positive operating performance with improved key metrics and strategic expansions. However, challenges related to interest rate impacts and higher levels of payoffs pose risks to future growth.View all NBTB earnings summariesNBTB Stock 12 Month Forecast
Average Price Target
$47.00
▲(8.05% 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
2.58% Insiders
22.04% Mutual Funds
7.69% Other Institutional Investors
40.22% Public Companies and
Individual Investors