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NBT Bancorp Inc

NBTB

41.860USD

-0.680-1.60%

Close 03/27, 16:00（ET）Quotes delayed by 15 min

1.39BMarket Cap

12.53P/E TTM



NBT Bancorp Inc

41.860

-0.680-1.60%

Overview Financials Analysis Company

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

Overview

Financials

Analysis

Company

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: 2026-03-27

Key Insights

NBT Bancorp Inc's fundamentals are relatively healthy, with an industry-leading ESG disclosure.and its growth potential is high.Its valuation is considered fairly valued, ranking 136 out of 400 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 49.17.In the medium term, the stock price is expected to remain stable.Despite an average stock market performance over the past month, the company shows strong 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

136 / 400

Overall Ranking

225 / 4542

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%.

Undervalued

The company’s latest PB is 1.15, at a low 3-year percentile range.

Institutional Selling

The latest institutional holdings are 34.17M shares, decreasing 2.85% quarter-over-quarter.

Held by Barrow Hanley

Star Investor Barrow Hanley holds 102.39K shares of this stock.

Analyst Rating

Based on 7 analysts

Buy

Current Rating

49.167

Target Price

+17.18%

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: 2026-03-27

The current financial score of NBT Bancorp Inc is 5.45, ranking 312 out of 400 in the Banking Services industry. Its financial status is stable, and its operating efficiency is low. 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

5.45

Change



Financials

7.62

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

4.36

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

Relevant data have not been disclosed by the company yet.



Operational Efficiency

2.76

Key Metrics

Cash flow from operating activities

Income after tax

Relevant data have not been disclosed by the company yet.



Growth Potential

7.48

Key Metrics

Cash flow from operating activities

Total revenue

Relevant data have not been disclosed by the company yet.



Shareholder Returns

5.01

Key Metrics

Free cash flow

Relevant data have not been disclosed by the company yet.

NBT Bancorp Inc's Company Valuation

Currency: USD Updated: 2026-03-27

The current valuation score of NBT Bancorp Inc is 5.52, ranking 385 out of 400 in the Banking Services industry. Its current P/E ratio is 12.53, which is 53.41% below the recent high of 19.22 and 31.56% above the recent low of 8.57.

Score

Industry at a Glance

Previous score

5.52

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 136/400

Relevant data have not been disclosed by the company yet.

Earnings Forecast

Currency: USD Updated: 2026-03-27

The current earnings forecast score of NBT Bancorp Inc is 7.14, ranking 184 out of 400 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

7.14

Change

Support & Resistance

Relevant data have not been disclosed by the company yet.

Analyst Rating

Based on 7 analysts

Buy

Current Rating

49.167

Target Price

+15.58%

Upside Space

Strong Buy

Buy

Hold

Sell

Strong Sell

Peer Comparison

307

Total

Median

Average

Company name

Ratings

Analysts

NBT Bancorp Inc

NBTB

JPMorgan Chase & Co

JPM

Wells Fargo & Co

WFC

Bank of America Corp

BAC

US Bancorp

USB

PNC Financial Services Group Inc

PNC

...

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: 2026-03-27

The current price momentum score of NBT Bancorp Inc is 7.31, ranking 100 out of 400 in the Banking Services industry. Currently, the stock price is trading between the resistance level at 43.45 and the support level at 40.12, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

8.87

Change

-1.56

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(2)

Neutral(4)

Buy(1)

Indicators

Value

Direction

MACD(12,26,9)

0.382

Neutral

RSI(14)

45.691

Neutral

STOCH(KDJ)(9,3,3)

72.218

Neutral

ATR(14)

1.033

Low Volatility

CCI(14)

60.016

Neutral

Williams %R

39.931

Buy

TRIX(12,20)

-0.247

Sell

StochRSI(14)

0.000

Sell

Moving Average

Sell(4)

Neutral(0)

Buy(2)

Indicators

Value

Direction

MA5

42.164

Sell

MA10

41.588

Buy

MA20

41.760

Buy

MA50

43.563

Sell

MA100

42.838

Sell

MA200

42.497

Sell

Institutional Confidence

Currency: USD Updated: 2026-03-27

The current institutional shareholding score of NBT Bancorp Inc is 5.00, ranking 152 out of 400 in the Banking Services industry. The latest institutional shareholding proportion is 65.31%, representing a quarter-over-quarter decrease of 1.21%. The largest institutional shareholder is The Vanguard, holding a total of 6.04M shares, representing 11.56% of shares outstanding, with 9.86% increase in holdings.

Score

Industry at a Glance

Previous score

5.00

Change

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%

Risk Assessment

Currency: USD Updated: 2026-03-27

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 400 in the Banking Services industry. The company's beta value is 0.47. 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.