NBTB

NBT Bancorp Inc.

Fundamental data last updated:September 20, 2026

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company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

NASDAQ

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

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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VALUATION

P/E

13.14

Market Cap ($M USD)

$2.41B

Forward P/E

10.18

PEG

0.35

PRICE TO SALES

2.58

PRICE TO BOOK

1.26

EV / EBITDA

9.53

5-Year Average P/E

Free Cash Flow Yield

9.78%

DCF Value

$72.88

Graham Number

$53.89

Price to FCF

10.22

EV to FCF

10.26

Earnings Yield

7.61%

FCF Yield

9.78%

DIVIDEND

Yield

3.14%

Annual Payout

$1.45

Payout Ratio

41.26%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$3.52

Next Year EPS Growth Estimate

$4.54

Next Year Revenue Growth Estimate

$801.30M

Return on Equity (ROE)

9.83%

FREE CASH FLOW

Operating Margin

25.58%

Debt-to-Equity

0.17

Piotroski F-Score

8

Altman Z-Score

0.32

Return on Invested Capital (ROIC)

1.49%

Current Ratio

1.29

Quick Ratio

1.29

Net Debt to EBITDA

0.04

Interest Coverage

1.13

Gross Profit margin

74.54%

FCF PER SHARE

$4.51

REVENUE PER SHARE

$17.89

Analyze NBTB on TradingView

Gainseekers Quantitative Analysis

Summary

NBT Bancorp Inc. appears significantly undervalued when juxtaposed with its DCF Value and Graham Number. The stock’s Forward P/E of 10.06 suggests a market underestimation of its future earnings potential, while the Earnings Yield of 7.72% indicates a robust return relative to its price. However, the Altman Z-score of 0.31 raises a red flag about financial distress risk, hinting at potential vulnerabilities. Despite these concerns, the market’s current pricing seems to overlook the intrinsic value suggested by its DCF, presenting an intriguing opportunity for value investors.

AI Exposure / Tech Reliance

Operating within the regional banking sector, NBT Bancorp Inc. is positioned to leverage AI and tech advancements to enhance customer service and operational efficiency. As banks increasingly adopt digital solutions, NBT's ability to integrate these technologies will be crucial for maintaining competitiveness. However, the traditional nature of regional banking may slow its tech adaptation compared to more agile fintech firms.

The Bull Case

For the discerning GARP investor, NBT Bancorp offers compelling strengths. A Piotroski F-Score of 8 signals strong financial health, while a Free Cash Flow Yield of 10.07% underscores its ability to generate cash effectively. The company's operating margin of 25.58% reflects solid pricing power, and a ROIC of 1.49% suggests efficient capital allocation. These metrics collectively paint a picture of a company with the potential for sustainable growth and profitability.

The Bear Case

Despite its strengths, NBT Bancorp faces notable risks. The Altman Z-score indicates potential financial distress, and its proximity to the 52-week high suggests a technically overextended position. The Price/Book ratio of 1.24 and Price/Sales ratio of 2.55 may imply that the stock is not as cheap as it appears at first glance. Additionally, the low Interest Coverage ratio of 1.13 raises concerns about its ability to meet interest obligations comfortably.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Hold

Average Analyst Price Target

$46.00

Institutional Ownership %

1-Year Beta

0.48

Insider Buying % (6 Mo)

Distance to 52-Week High

1.45%

Distance to 52-Week Low

15.24%

EARNINGS SURPRISE %

-1.02%

50-DAY SMA

$44.22

200-DAY SMA

$43.07

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.