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NBT Bancorp Inc

NBTB
46.650USD
+0.270+0.58%
Close 02/06, 16:00ETQuotes delayed by 15 min
2.44BMarket Cap
14.02P/E TTM

NBT Bancorp Inc

46.650
+0.270+0.58%
TradingKey Stock Score
Overall Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Peer Comparison
TradingKey Stock Score
Overall Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Peer Comparison

TradingKey Stock Score of NBT Bancorp Inc

Currency: USD Updated: 2026-02-06

Key Insights

NBT Bancorp Inc's fundamentals are relatively very healthy, with an industry-leading ESG disclosure.and its growth potential is high.Its valuation is considered fairly valued, ranking 72 out of 397 in the Banking Services industry.Institutional ownership is very high.Over the past month, multiple analysts have rated it as Buy, with the highest price target at 48.50.In the medium term, the stock price is expected to trend up.The company has been performing well in the stock market over the past month, which is supported by its strong fundamentals and technicals.The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

NBT Bancorp Inc's Score

Industry at a Glance

Industry Ranking
72 / 397
Overall Ranking
123 / 4521
Industry
Banking Services

Support & Resistance

Relevant data have not been disclosed by the company yet.

Score Analysis

Current score
Previous score

Media Coverage

Last 24 hours
Coverage Level

Very Low
Very High
Negative

NBT Bancorp Inc Highlights

StrengthsRisks
NBT Bancorp Inc. is a financial holding company. The Company primarily operates through NBT Bank, N.A. (the Bank), a full-service community bank, and through two financial services subsidiaries. The Company’s business, primarily conducted through the Bank, consists of providing commercial banking, retail banking and wealth management services. The Bank offers a range of products and services tailored to individuals, businesses and municipalities. The Bank’s deposit products include demand deposit accounts, savings accounts, NOW accounts, MMDA and CD accounts. The Bank’s loan products include indirect and direct consumer loans, home equity loans and mortgages. The Bank has approximately 175 banking locations in New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Maine and Connecticut. The Company operates EPIC Retirement Plan Services, which is a national benefits administration firm. It operates NBT Insurance Agency, LLC, which is a full-service regional insurance agency.
High Growth
The company's revenue has grown steadily over the past 3 years, averaging 35.49% year-on-year.
High Profit Growth
The company's net income leads the industry, with the latest annual income totaling USD 558.60M.
High Dividend
The company is a high dividend payer, with the latest dividend payout ratio of 44.27%.
Stable Dividend
The company has regularly paid dividends over the past 5 years, with the latest dividend payout ratio of 44.27%.
Fairly Valued
The company’s latest PB is 1.29, at a medium 3-year percentile range.
Institutional Selling
The latest institutional holdings are 34.16M shares, decreasing 2.91% quarter-over-quarter.
Held by Invesco
Star Investor Invesco holds 133.18K shares of this stock.

Analyst Rating

Based on 5 analysts
Buy
Current Rating
48.500
Target Price
+5.30%
Upside Space
Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Financial Health

Currency: USD Updated: 2026-02-06

The current financial score of NBT Bancorp Inc is 8.90, ranking 42 out of 397 in the Banking Services industry. Its financial status is robust, and its operating efficiency is high. Its latest quarterly revenue reached 147.32M, representing a year-over-year increase of 24.71%, while its net profit experienced a year-over-year increase of 54.17%.

Score

Industry at a Glance

Previous score
8.90
Change
0

Financials

8.10

Key Metrics

Cash and cash equivalents
Total assets
Total liabilities
Free cash flow
Relevant data have not been disclosed by the company yet.

Quality of Earnings

8.93

Operational Efficiency

10.00

Growth Potential

8.62

Shareholder Returns

8.84

NBT Bancorp Inc's Company Valuation

Currency: USD Updated: 2026-02-06

The current valuation score of NBT Bancorp Inc is 5.52, ranking 389 out of 397 in the Banking Services industry. Its current P/E ratio is 14.02, which is 37.05% below the recent high of 19.22 and 38.86% above the recent low of 8.57.

Score

Industry at a Glance

Previous score
5.52
Change
0

Valuation Dimensions

P/E
P/B
P/S
P/CF
Industry Ranking 72/397
Relevant data have not been disclosed by the company yet.

Earnings Forecast

Currency: USD Updated: 2026-02-06

The current earnings forecast score of NBT Bancorp Inc is 7.20, ranking 170 out of 397 in the Banking Services industry. The average price target is 47.00, with a high of 50.00 and a low of 47.00.

Score

Industry at a Glance

Previous score
7.20
Change
0

Support & Resistance

Relevant data have not been disclosed by the company yet.

Analyst Rating

Based on 5 analysts
Buy
Current Rating
48.500
Target Price
+5.30%
Upside Space
Strong Buy
Buy
Hold
Sell
Strong Sell

Peer Comparison

306
Total
4
Median
5
Average
Company name
Ratings
Analysts
NBT Bancorp Inc
NBTB
5
JPMorgan Chase & Co
JPM
27
Wells Fargo & Co
WFC
27
Bank of America Corp
BAC
26
US Bancorp
USB
26
PNC Financial Services Group Inc
PNC
25
1
2
3
...
61

Financial Forecasting

EPS
Revenue
Net Profit
EBIT
Relevant data have not been disclosed by the company yet.

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated: 2026-02-06

The current price momentum score of NBT Bancorp Inc is 9.17, ranking 202 out of 397 in the Banking Services industry. Currently, the stock price is trading between the resistance level at 48.42 and the support level at 43.37, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score
9.15
Change
0.02

Support & Resistance

Relevant data have not been disclosed by the company yet.

Indicators

The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators
Sell(1)
Neutral(1)
Buy(2)
Indicators
Value
Direction
MACD(12,26,9)
0.547
Buy
RSI(14)
66.051
Neutral
STOCH(KDJ)(9,3,3)
91.306
Overbought
ATR(14)
1.444
High Vlolatility
CCI(14)
125.956
Buy
Williams %R
5.347
Overbought
TRIX(12,20)
0.244
Sell
StochRSI(14)
100.000
Overbought
Moving Average
Sell(0)
Neutral(0)
Buy(6)
Indicators
Value
Direction
MA5
45.950
Buy
MA10
44.824
Buy
MA20
44.159
Buy
MA50
43.295
Buy
MA100
42.259
Buy
MA200
42.423
Buy

Institutional Confidence

Currency: USD Updated: 2026-02-06

The current institutional shareholding score of NBT Bancorp Inc is 5.00, ranking 154 out of 397 in the Banking Services industry. The latest institutional shareholding proportion is 65.30%, representing a quarter-over-quarter decrease of 1.24%. The largest institutional shareholder is The Vanguard, holding a total of 6.04M shares, representing 11.54% of shares outstanding, with 9.62% increase in holdings.

Score

Industry at a Glance

Previous score
5.00
Change
0

Institutional Shareholding

Relevant data have not been disclosed by the company yet.

Shareholder Activity

Name
Shares Held
Chg %
BlackRock Institutional Trust Company, N.A.
6.77M
-2.45%
The Vanguard Group, Inc.
Star Investors
6.05M
-0.19%
State Street Investment Management (US)
2.41M
-4.74%
Dimensional Fund Advisors, L.P.
2.29M
+0.01%
Geode Capital Management, L.L.C.
1.27M
-1.93%
Silvercrest Asset Management Group LLC
847.04K
+13.74%
Victory Capital Management Inc.
650.13K
+1.13%
Charles Schwab Investment Management, Inc.
623.33K
+0.68%
Northern Trust Investments, Inc.
603.76K
-4.03%
DePrince, Race & Zollo, Inc.
610.84K
-18.40%
1
2

Risk Assessment

Currency: USD Updated: 2026-02-06

The U.S. Dollar Index is currently in a neutral state, which has a neutral effect on the Banking Services domestic-focused industry. The Dollar Index (DXY) measures the value of the U.S. dollar against a basket of major currencies, including the euro, yen, pound sterling, Canadian dollar, Swedish krona, and Swiss franc. The current risk assessment score of NBT Bancorp Inc is 8.60, ranking 77 out of 397 in the Banking Services industry. The company's beta value is 0.49. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets. with an industry-leading ESG disclosure.

Score

Industry at a Glance

Previous score
8.60
Change
0
Beta vs S&P 500 index
0.48
VaR
+2.73%
240-Day Maximum Drawdown
+19.12%
240-Day Volatility
+30.98%

Return

Best Daily Return
60 days
+4.92%
120 days
+6.38%
5 years
+13.04%
Worst Daily Return
60 days
-4.00%
120 days
-4.39%
5 years
-11.24%
Sharpe Ratio
60 days
+2.01
120 days
+0.75
5 years
+0.37

Risk Assessment

Maximum Drawdown
240 days
+19.12%
3 years
+26.20%
5 years
+38.74%
Return-to-Drawdown Ratio
240 days
-0.02
3 years
+0.43
5 years
+0.11
Skewness
240 days
+0.15
3 years
+0.79
5 years
+0.35

Volatility

Realised Volatility
240 days
+30.98%
5 years
+31.55%
Standardised True Range
240 days
+2.38%
5 years
+2.29%
Downside Risk-Adjusted Return
120 days
+131.08%
240 days
+131.08%
Maximum Daily Upside Volatility
60 days
+20.91%
Maximum Daily Downside Volatility
60 days
+15.71%

Liquidity

Average Turnover Rate
60 days
+0.44%
120 days
+0.54%
5 years
--
Turnover Deviation
20 days
-18.57%
60 days
-4.28%
120 days
+18.04%

Peer Comparison

Banking Services
NBT Bancorp Inc
NBT Bancorp Inc
NBTB
7.69 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
East West Bancorp Inc
East West Bancorp Inc
EWBC
8.92 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Citizens Financial Group Inc
Citizens Financial Group Inc
CFG
8.81 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Shinhan Financial Group Co Ltd
Shinhan Financial Group Co Ltd
SHG
8.77 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Wintrust Financial Corp
Wintrust Financial Corp
WTFC
8.73 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
GATX Corp
GATX Corp
GATX
8.68 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
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