NBT Bancorp Inc (NBTB)

Currency in USD
40.95
+0.30(+0.74%)
Closed·
After Hours
40.950.00(0.00%)
·
NBTB Scorecard
Full Analysis
Has raised its dividend for 12 consecutive years
NBTB is not included in our AI-picked strategies. See which stocks are.
Fair Value
Day's Range
40.4941.01
52 wk Range
37.3152.44
Key Statistics
Prev. Close
40.65
Open
40.94
Day's Range
40.49-41.01
52 wk Range
37.31-52.44
Volume
131.43K
Average Volume (3m)
210.23K
1-Year Change
-7.98%
Book Value / Share
38.2
Fair Value
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Fair Value Upside
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Company’s Health
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Fair Value
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Fair Price
Upside
Price Target
50.17
Upside
+22.51%
Members' Sentiments
Bearish
Bullish
ProTips
5 analysts have revised their earnings upwards for the upcoming period

NBT Bancorp Inc News & Analysis

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Technical Analysis

Summary
Strong Sell
Sell
Neutral
Buy
Strong Buy
Strong Buy
Technical Indicators
Strong Buy
Moving Averages
Buy

NBT Bancorp Inc Company Profile

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 indirect and direct consumer, home equity, mortgages, business banking loans, and commercial loans; commercial and industrial, commercial real estate, agricultural, and commercial construction loans; and residential real estate loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan administration and record keeping 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. 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 operates in 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.

Sector
Financial
Employees
2083

NBT Bancorp Inc Earnings Call Summary for Q2/2025

  • NBT Bancorp Q2 2025 EPS of $0.44 missed forecast by 46.99%, revenue of $171M slightly beat expectations; stock rose 2.36% premarket
  • Completed merger with Evans Bancorp, adding 100,000+ accounts and 25,000 digital banking users; revenue up 22% YoY and 10.5% QoQ
  • Expects modest loan growth in H2 2025 and slight net interest margin improvement; EPS forecasts for upcoming quarters range $1.04-$1.14
  • Maintained dividends for 40 consecutive years; current yield 3.28%, P/E ratio 13.94x; analyst price targets $47-$53
  • Focus on integration post-merger, organic growth, and potential M&A risks include interest rate changes and merger integration challenges
Last Updated: 29/07/2025, 16:32
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Compare NBTB to Peers and Sector

Metrics to compare
NBTB
Peers
Sector
Relationship
P/E Ratio
14.5x−20.0x9.5x
PEG Ratio
1.971.300.03
Price/Book
1.1x1.0x1.0x
Price / LTM Sales
3.3x4.1x2.8x
Upside (Analyst Target)
22.1%21.5%13.1%
Fair Value Upside
Unlock2.1%2.3%Unlock

Analyst Ratings

3 Buy
4 Hold
0 Sell
Ratings:
7 analysts
Overall Consensus
Buy

Analysts 12-Month Price Target:

Average 50.17
(+22.51% Upside)

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 2.78%
Dividend Yield
3.61%
Industry Median 3.45%
Annualised payout
1.48
Paid quarterly
5-Years Growth
+4.91%
Growth Streak

Earnings

Latest Release
Jul 28, 2025
EPS / Forecast
0.44 / 0.83
Revenue / Forecast
171.00M / 170.89M
EPS Revisions
Last 90 days

NBTB Income Statement

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FAQ

What Stock Exchange Does NBT Bancorp Trade On?

NBT Bancorp is listed and trades on the Nasdaq Stock Exchange stock exchange.

What Is the Stock Symbol for NBT Bancorp?

The stock symbol for NBT Bancorp is "NBTB."

What Is the NBT Bancorp Market Cap?

As of today, NBT Bancorp market cap is 1.94B.

What Is NBT Bancorp's Earnings Per Share (TTM)?

The NBT Bancorp EPS (TTM) is 2.78.

When Is the Next NBT Bancorp Earnings Date?

NBT Bancorp will release its next earnings report on 27 Oct 2025.

From a Technical Analysis Perspective, Is NBTB a Buy or Sell?

Based on moving averages and other technical indicators, the daily buy/sell signal is Strong Sell.

How Many Times Has NBT Bancorp Stock Split?

NBT Bancorp has split 12 times.

How Many Employees Does NBT Bancorp Have?

NBT Bancorp has 2083 employees.

What is the current trading status of NBT Bancorp (NBTB)?

As of 10 Aug 2025, NBT Bancorp (NBTB) is trading at a price of 40.95, with a previous close of 40.65. The stock has fluctuated within a day range of 40.49 to 41.01, while its 52-week range spans from 37.31 to 52.44.
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