/NBTB

NBTB Stock - NBT Bancorp Inc.

Q: What is the analyst price target for NBTB?

Analyst price target information is not currently available for NBTB.

Q: What is NBTB's market cap?

Market capitalization information is not currently available for NBTB.

Financial Services|Banks - Regional|NASDAQ

$43.50-2.16%

$0.96 (-2.16%) • Dec 19

GoAI Score

Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.

HOLD

Medium Confidence

Momentum

Momentum Score

Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.

Sentiment

Sentiment Score

Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).

Risk Score

Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.

Price Target

Average analyst price target from the last quarter. Shows expected upside/downside from current price.

+8.0%upside

Target: $46.98

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Financial Statements

Revenue & Profitability Trend

FY2020

FY2021

FY2022

FY2023

FY2024

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Revenue

Net Income (Profit)

Net Loss

Key Metrics

Market CapN/A

P/E RatioN/A

Beta0.51

52W High$49.48

52W Low$37.31

Avg VolumeN/A

Income Statement (Fiscal Year)

Metric	FY2024	FY2023	FY2022	FY2021	FY2020
Revenue	$785.99M	$662.35M	$537.00M	$494.75M	$491.26M
Gross Profit	$554.83M	$492.50M	$497.97M	$484.22M	$407.52M
Gross Margin	70.6%	74.4%	92.7%	97.9%	83.0%
Operating Income	$179.46M	$153.46M	$196.16M	$199.86M	$133.09M
Net Income	$140.64M	$118.78M	$152.00M	$154.88M	$104.39M
Net Margin	17.9%	17.9%	28.3%	31.3%	21.2%
EPS	$2.98	$2.67	$3.54	$3.57	$2.39

Company Overview

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 commercial and industrial, commercial real estate, agricultural, and commercial construction loans; indirect and direct consumer, home equity, mortgages, business banking loans, and commercial loans; and residential real estate loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan consulting and recordkeeping 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. As of December 31, 2021, it had 140 branches and 164 ATMs in New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Connecticut, and Maine. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York.

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Rating Distribution

Strong Buy

20%

Buy / Outperform

40%

Hold / Neutral

40%

Sell / Underperform

Analyst Consensus🟡 Mixed

3 Bullish2 Neutral/Bearish

Price Targets

$48

Average Target

↑ 9.4% Upside

Now

$38

Low

$48

Average

$53

High

Based on 7 analysts

Recent Analyst Actions

Date	Firm	Action	Rating	Price Target
October 14th 2025	Piper Sandler	Upgrade	Overweight	$47
July 8th 2025	Piper Sandler	Resumed	Neutral	$47
March 21st 2025	Hovde Group	Initiation	Market Perform	$50
January 29th 2025	Stephens	Upgrade	Overweight	$53
July 25th 2024	Stephens	Downgrade	Equal Weight	$49← $42
July 24th 2024	Raymond James	Downgrade	Market Perform	-
March 21st 2024	Janney	Upgrade	Buy	-
June 6th 2023	Raymond James	Downgrade	Outperform	$38← $47
December 21st 2022	Raymond James	Initiation	Strong Buy	$49

Earnings History & Surprises

NBTB

Beat Rate

72%

Last 18 quarters

Avg Surprise

+5.4%

EPS vs Estimate

Beats / Misses

13/3

2 met exactly

Latest EPS

$1.05

Q4 2025

EPS Surprise History

Q1 24

-4.0%

$0.72vs$0.75

Q2 24

0.0%

$0.68vs$0.68

Q3 24

0.0%

$0.69vs$0.69

Q4 24

+2.6%

$0.80vs$0.78

Q1 25

-1.3%

$0.77vs$0.78

Q2 25

+5.3%

$0.80vs$0.76

Q3 25

+7.3%

$0.88vs$0.82

Q4 25

+8.2%

$1.05vs$0.97

Beat Estimate

Missed Estimate

Quarterly EPS Details

Period	Report Date	Estimated EPS	Actual EPS	Surprise	Result
Q2 2026	Apr 22, 2026	—	—	—	—
Q1 2026	Jan 26, 2026	$0.99	—	—	—
Q4 2025	Oct 27, 2025	$0.97	$1.05	+8.2%	✓ BEAT
Q3 2025	Jul 28, 2025	$0.82	$0.88	+7.3%	✓ BEAT
Q2 2025	Apr 24, 2025	$0.76	$0.80	+5.3%	✓ BEAT
Q1 2025	Jan 27, 2025	$0.78	$0.77	-1.3%	✗ MISS
Q4 2024	Oct 28, 2024	$0.78	$0.80	+2.6%	✓ BEAT
Q3 2024	Jul 22, 2024	$0.69	$0.69	0.0%	= MET
Q2 2024	Apr 22, 2024	$0.68	$0.68	0.0%	= MET
Q1 2024	Jan 23, 2024	$0.75	$0.72	-4.0%	✗ MISS
Q4 2023	Oct 24, 2023	$0.63	$0.84	+33.3%	✓ BEAT
Q3 2023	Jul 31, 2023	$0.77	$0.80	+3.9%	✓ BEAT
Q2 2023	Apr 24, 2023	$0.85	$0.88	+3.5%	✓ BEAT
Q1 2023	Jan 23, 2023	$0.93	$0.82	-11.8%	✗ MISS
Q4 2022	Oct 25, 2022	$0.88	$0.90	+2.3%	✓ BEAT
Q3 2022	Jul 25, 2022	$0.84	$0.88	+4.8%	✓ BEAT
Q2 2022	Apr 25, 2022	$0.77	$0.90	+16.9%	✓ BEAT
Q1 2022	Jan 26, 2022	$0.85	$0.86	+1.2%	✓ BEAT
Q4 2021	Oct 26, 2021	$0.81	$0.86	+6.2%	✓ BEAT
Q3 2021	Jul 26, 2021	$0.77	$0.92	+19.5%	✓ BEAT

Frequently Asked Questions about NBTB

What is NBTB's current stock price?

NBT Bancorp Inc. (NBTB) is currently trading at $43.50 per share. The stock has moved -2.16% today.

What is the analyst price target for NBTB?

The average analyst price target for NBTB is $47.00, based on 1 analyst.

What sector is NBT Bancorp Inc. in?

NBT Bancorp Inc. operates in the Financial Services sector, specifically within the Banks - Regional industry. The company is traded on the NASDAQ exchange.

What is NBTB's market cap?

NBT Bancorp Inc. has a market capitalization of $2.28 billion, making it a mid-cap company.

Does NBTB pay dividends?

No, NBT Bancorp Inc. does not currently pay a dividend to shareholders.