NBT Bancorp Inc. (NBTB) stock price, financials & research

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GoAI snapshot

AI-powered factor overview

Jul 10, 2026

70/100

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

77

Undervalued

Momentum

56

Neutral

Sentiment

70

Bullish

Risk resilience

83

Low Risk

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Company profile

Company website

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.

Industry: Banks - Regional
Sector: Financial Services
Headquarters: US
CEO: Scott A. Kingsley
Listed since: Mar 17, 1992
Employees: 2,303

Market position

Day range

Current $52.09

$51.63$52.25

52-week range

Current $52.09

$39.20$54.50

Open: $52.25
Previous close: $51.88
Volume: 210.63K; 0.62× average
Average volume: 341.96K; Average daily volume
Market cap: 2.71B USD
Beta: 0.48; Market reference 1
50-day average: $51.0366; +2.06% above average
200-day average: $45.4467; +14.62% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value: 2.1B USD
P/E (TTM): 12.7×
P/B (TTM): 1.4×
P/S (TTM): 2.87×
EV / EBITDA: 8.71×
Earnings yield: 8.65%
Free cash flow yield: 11.19%
Dividend yield: 2.84%

Profitability & efficiency

Gross margin: 76.57%
Operating margin: 29.34%
Net margin: 22.65%
Return on equity: 8.92%
Return on assets: 1.06%
Return on invested capital: 1.06%

Financial health

Debt / equity: 0.24×
Current ratio: 1.6×

Earnings

EPS beat rate: 45%; 5 beats, 4 misses, 2 met estimates
Average EPS surprise: +2.04%; 11 comparable reports
Latest EPS result: 1.01; Estimate 1.02 · Miss by 0.98%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate

NBTB news

seekingalpha.comAug 13, 2026

NBT Bancorp Appears A Bit Pricey At The Moment

NBT Bancorp is rated Hold due to recent share price appreciation removing upside potential and a lack of compelling valuation or catalysts. NBTB trades at a 1.91x price-to-tangible-book-value ratio, above sector and…

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fool.comAug 6, 2026

Executive Sells 9,000 Shares of Regional Bank, Valued at $486,400

Halliday reduced her equity stake by 26% after the stock gained 26% over the past year, retaining 25,691 shares worth $1.4 million.

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defenseworld.netAug 5, 2026

NBT Bancorp Inc. $NBTB Shares Purchased by First Trust Advisors LP

First Trust Advisors LP grew its position in shares of NBT Bancorp Inc. (NASDAQ: NBTB) by 44.3% in the undefined quarter, according to its most recent disclosure with the Securities and Exchange Commission (SEC). The…

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defenseworld.netJul 30, 2026

Fifth Third Bancorp Grows Stake in NBT Bancorp Inc. $NBTB

Fifth Third Bancorp lifted its position in NBT Bancorp Inc. (NASDAQ: NBTB) by 23,712.2% during the undefined quarter, according to the company in its most recent Form 13F filing with the SEC. The firm owned 11,668 shares…

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defenseworld.netJul 30, 2026

Bank of New York Mellon Corp Has $19.29 Million Holdings in NBT Bancorp Inc. $NBTB

Bank of New York Mellon Corp lessened its position in shares of NBT Bancorp Inc. (NASDAQ: NBTB) by 2.2% in the first quarter, according to the company in its most recent 13F filing with the Securities and Exchange…

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marketbeat.comJul 28, 2026

NBT Bancorp Q2 Earnings Call Highlights

NBT Bancorp NASDAQ: NBTB reported second-quarter net income of $53 million, or $1.02 per diluted common share, as record net interest income, loan growth and fee-based revenue contributed to improved results.

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