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NBT Bancorp Inc. NBTB R2K

Financial Services · Banks - Regional · United States
https://www.nbtbancorp.com
Company Profile ↓
$50.64
+18.10% 1Y
Mkt Cap$2.63B
P/E14.31
P/B1.31
Div. Yield3.07%
52W High$50.64
52W Low$38.27
Book Value$36.81
EPS (TTM)$3.54

Company Overview

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.

Why Investors Should Care

Reasonable Valuation

Trades at an undemanding P/E of 14.3.

Healthy Margins

Maintains a net profit margin of 26.4%.

Dividend Income

Offers a dividend yield of 3.07%.

Recent Developments

  • Dec 2025 Revenue of $182.95M (+10.4% YoY); net profit $169.24M.
  • Trailing 12 Months Year-on-year growth — revenue +21.6%, earnings +27.3%.
  • 5-Year Trend Long-term compounding — revenue CAGR 5.7%, profit CAGR 6.5%.

Growth & Price Performance

Compounded Sales Growth

5 Years:5.69%
1 Year:21.60%

Compounded Profit Growth

5 Years:6.46%
1 Year:27.30%

Stock Price Performance

1 Year:+18.10%
6 Months:+20.09%
3 Months:+12.44%
1 Month:+6.23%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 100% of range
$38.27 $50.64
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)66.87 · Neutral
Price Performance
1M+6.23%
3M+12.44%
6M+20.09%
1Y+18.10%
Valuation vs Sector

P/E of 14.31 is above the sector median of 13.30 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 26.4%.
  • Attractive dividend yield of 3.07%.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
14.31
Industry PE
13.30
Forward P/E
11.15
PEG Ratio
2.66
Book Value
$36.81
Price to Book
1.31
P/S
3.60
EV/EBITDA
-
Dividend Yield
3.07%

Growth (CAGR)

Revenue 5Y
5.69%
Profit 5Y
6.46%
Revenue (YoY)
21.60%
Earnings (YoY)
27.30%

Profitability & Returns

ROCE
-
ROE
10.55%
ROA
1.22%
Profit Margin
26.36%
Op Margin
40.60%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.98
EPS (TTM)
$3.54

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$365.59M
Total Assets
$16.20B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
2.85%
Chg in Prom Hold
-0.00%
FII / Inst Holding
65.49%
Chg in FII Hold
-0.01%

Financial Snapshot

Enterprise Value
$2.63B
Total Revenue (TTM)
$696.57M
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
$246.25M
Shares Outstanding
52.01M
Gross Margin
0.00%
Payout Ratio
40.96%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 NBTB NBT Bancorp Inc. R2K 50.64 14.31 $2.63B 3.07% - 10.55% 5.69% 6.46%
2 JPM JPMorgan Chase & Co. SPX 342.89 16.42 $918.78B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 491.09 14.61 $686.70B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 356.02 31.01 $590.89B 0.83% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 538.02 31.10 $471.86B 0.71% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 60.62 15.04 $430.20B 2.00% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 227.67 20.62 $359.10B 1.87% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,140.00 20.83 $336.31B 1.69% - 14.55% - 2.21%
9 WFC Wells Fargo & Company SPX 85.29 13.18 $261.00B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2013Jun 2013Sep 2013Mar 2014Jun 2014Sep 2014Mar 2015Jun 2015Sep 2015Mar 2016Jun 2016Sep 2016Mar 2017Jun 2017Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026
Revenue ------------27.34M29.08M29.50M29.86M32.85M31.68M----------------------
Net Income 7.65M16.92M19.26M18.01M27.64M10.91M18.17M19.28M19.85M18.89M19.91M20.00M20.28M21.36M22.88M25.99M28.12M29.81M29.13M30.55M32.38M10.37M24.71M35.11M39.85M40.30M37.43M39.13M37.77M38.97M33.66M30.07M24.61M33.82M32.72M38.10M36.74M22.51M54.47M51.14M
Diluted EPS 0.210.380.440.410.620.250.410.430.450.430.460.460.460.490.520.590.640.680.660.690.730.230.560.800.910.920.860.900.880.900.780.700.540.710.690.800.770.441.030.98

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue --------111.16M113.44M126.01M134.46M140.92M151.01M150.66M144.74M165.71M182.95M
Net Income 58.35M52.01M57.40M57.90M54.56M61.75M75.07M76.42M78.41M82.15M112.57M121.02M104.39M154.88M152.00M118.78M140.64M169.24M
Diluted EPS 1.801.531.661.711.621.461.691.721.801.872.562.742.373.543.522.652.973.33

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --5.46B5.34B5.60B6.04B7.65B7.81B8.26B8.87B9.14B9.56B9.72B10.93B12.01B11.74B13.31B13.79B16.00B
Total Equity 397.30M431.85M505.12M533.57M538.11M582.27M816.57M864.18M882.00M913.32M958.18M1.02B1.12B1.19B1.25B1.17B1.43B1.53B1.90B
Cash & Equivalents 162.95M110.40M187.16M168.79M129.38M163.67M158.93M146.64M140.30M149.18M159.66M180.96M216.84M672.68M-----
Long Term Debt --554.70M369.87M370.34M367.49M308.82M130.94M130.45M104.09M88.87M73.72M-------
Total Liabilities --4.96B4.81B5.06B5.46B6.84B6.94B7.38B7.95B8.18B8.54B8.60B9.75B10.76B10.57B11.88B12.26B14.10B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 87.28M54.68M89.44M83.77M88.85M119.30M-124.50M110.56M136.90M147.77M153.46M145.27M159.19M183.22M157.46M188.57M235.22M
Investing Cash Flow -216.58M-28.45M58.49M-175.50M-126.85M-183.75M--504.00M-629.96M-305.19M-417.62M-64.34M-712.59M-547.61M-926.22M-44.23M-399.16M169.07M
Financing Cash Flow 76.75M50.53M-166.30M52.32M72.28M59.71M-373.17M528.28M178.77M291.14M-53.23M1.02B984.81M-328.73M-105.39M289.46M-201.23M
Share Buybacks -0477.00K30.50M15.49M12.46M72.00K26.80M17.19M0007.98M21.71M14.71M4.94M251.00K10.19M

Ratios (Annual)

Figures in %.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ------------------
Operating Margin % ------------------
Net Margin % --------70.5%72.4%89.3%90.0%74.1%102.6%100.9%82.1%84.9%92.5%
ROE % 13.5%10.3%10.8%10.8%9.4%7.6%8.7%8.7%8.6%8.6%11.1%10.8%8.8%12.4%13.0%8.3%9.2%8.9%
ROCE % ------------------

Shareholding Pattern

Insiders
2.85%
Institutions
65.49%
Public Float
67.41%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 14.23% 7.40M $369.49M
2 Vanguard Portfolio Management LLC 6.68% 3.48M $173.52M
3 State Street Corporation 4.78% 2.49M $124.14M
4 Dimensional Fund Advisors LP 4.48% 2.33M $116.39M
5 Vanguard Capital Management LLC 4.33% 2.25M $112.50M
6 Geode Capital Management, LLC 2.56% 1.33M $66.40M
7 Silvercrest Asset Management Group, LLC 1.33% 692.78K $34.59M
8 Northern Trust Corporation 1.31% 683.48K $34.13M
9 Victory Capital Management Inc. 1.29% 669.85K $33.45M
10 Charles Schwab Investment Management, Inc. 1.18% 615.59K $30.74M

Analyst View

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Latest News

Recent headlines for NBTB

Google News ue, 14 Jul 2026

NBT Bancorp (NASDAQ:NBTB) Shares Pass Above 200-Day Moving Average - Here's What Happened - MarketBeat

<a href="https://news.google.com/rss/articles/CBMi0wFBVV95cUxQUnNYU1poUlVRNEczZzE3bTN0S1hySVlMNHpRb3ZYMi1YdG5ld1Ffdk8tcUMyd0plXzYxTG9FVUtLb3NnU1lhZ29aMi0ta0tmd0h4MjlSa2ZVREhzVGNUWmNuZmJsR0t1TE5zX2QwNGJLYzFLTU9VdmJndzRnQ1JwRlZrTEJnQ3dpajk4Y3…

Google News Wed, 01 Jul 2026

NBT Bancorp sets July 28 call on second-quarter results - Stock Titan

<a href="https://news.google.com/rss/articles/CBMitAFBVV95cUxQNVBzQkFLS1B6UjhHVmhuNnhxT3Z1SmFTcG9USm1PeGhscVVqMWVjbUVjT0tFNGFqeS1FRGZES2RtTENxWkxWMUpwdzJkeWFjZG5DTWpRQzdsQ1oyN0JjanlQT2xzazQzUXpUcDFmVkNRdWEtRnlNWHVhejF4Z3NtTUJ1MjNTQ09JaGk0SE…

Google News hu, 09 Jul 2026

Price to earnings forward of NBT Bancorp Inc. – NASDAQ:NBTB - TradingView

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Google News Wed, 08 Jul 2026

Precision Trading with Nbt Bancorp Inc. (NBTB) Risk Zones - Stock Traders Daily

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Google News Wed, 20 May 2026

3 Reasons NBTB is Risky and 1 Stock to Buy Instead - Yahoo Finance

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Google News ue, 30 Jun 2026

Does Exit From Russell Growth Indexes Reframe The NBT Bancorp (NBTB) Investment Story? - simplywall.st

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NBTB — Frequently Asked Questions

What is the current share price of NBT Bancorp Inc. (NBTB)?

As of 2026-07-14 21:23 PDT, NBT Bancorp Inc. (NBTB) trades at $50.64 on NasdaqGS. Its 52-week range is $38.27 to $50.64.

What is the market capitalisation of NBTB?

NBT Bancorp Inc. (NBTB) has a market capitalisation of $2.63B on NasdaqGS.

What is the P/E ratio of NBTB?

NBTB trades at a trailing price-to-earnings (P/E) ratio of 14.31. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.31.

Does NBTB pay a dividend?

NBT Bancorp Inc. (NBTB) currently offers a dividend yield of 3.07%.

What is the return on equity (ROE) of NBTB?

NBTB has a return on equity (ROE) of 10.55%.

Is NBTB a good stock to buy?

This page provides a data-driven analysis of NBT Bancorp Inc. (NBTB), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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