Financials / Banks - RegionalUpdated 2026-05-10 22:07 UTC

NBTB stock hub

NBT Bancorp Inc. has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

Browse stocks

NBTBis not in this month’s coverageGet our monthly research letter — no spam

Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

2.4B

NASDAQ

Market data

Live price

Current market quote for this ticker.

Current price

NBTB

In the news

Latest news · NBTB

Recent company headlines from major financial publishers.

—

Fetching the latest headlines.

—

Fetching the latest headlines.

—

Fetching the latest headlines.

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E10.6

P25 8.8P50 10.4P75 13.1

Trailing P/E12.9

P25 10.9P50 14.7P75 36.2

ROE10.6

P25 4.9P50 10.4P75 15

ROICn/a

P25 -1.3P50 6.6P75 12.7

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All NBTB market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

214

Groups with data

Currency

USD

Showing 214 of 214 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Cik	0000790359
Company name	NBT Bancorp Inc.
Country	United States
Country code	US
Cusip	628778102
Employees	2,303
Employees Change	220%
Employees Change Percent	10.56
Enterprise value	$2B
Exchange	NASDAQ
Financial currency	USD
First seen	2026-05-09
Industry	Banks - Regional
Isin	US6287781024
Last refreshed	2026-05-10
Market cap	$2.4B
Market cap category	Mid-Cap
Price	$45.59
Price currency	USD
Rev Per Employee	302,462.44x
Sector	Financials
Sic	6021
Symbol	NBTB
Website	https://www.nbtbancorp.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	7.74%
EV Earnings	10.63x
EV Sales Forward	2.48x
EV/Sales	2.8x
Forward P/E	10.63x
P/B ratio	1.25x
P/E ratio	12.9x
P/S ratio	3.4x
PE Ratio10 Y	14.37x
PE Ratio3 Y	13.98x
PE Ratio5 Y	12.64x
PS Forward	3.01x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Gross Profit	$696.6M
Net Income	$183.6M
Net Income Growth	27.91%
Net Income Growth Q	39.18%
Net Income Growth Quarters	2%
Net Income Growth Years	2%
Net Income Growth3 Y	7.81%
Net Income Growth5 Y	6.53%
Pretax Margin	34.3%
Profit Margin	26.36%
Profit Per Employee	$79,736
Profitable Years	33
ROA	1.22
Roa5y	1.15
ROE	10.55
Roe5y	10.76

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	8.19%
Cagr15y	8.45%
Cagr1y	10.59%
Cagr20y	7.1%
Cagr3y	16.67%
Cagr5y	6.19%
Div CAGR10	5.12%
Div CAGR3	7.11%
Div CAGR5	6.07%
EPS Growth	16.64
EPS Growth Q	26.87
EPS Growth Quarters	2
EPS Growth Years	2
EPS Growth3 Y	1.3
EPS Growth5 Y	2.98
Revenue Growth	22.32x
Revenue Growth Q	21.61x
Revenue Growth Quarters	9x
Revenue Growth Years	2x
Revenue Growth3 Y	11.63x
Revenue Growth5 Y	9.29x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Assets	$16.2B
Cash	$716.1M
Debt	$297.4M
Equity	$1.9B
Liabilities	$14.3B
Net Cash	$418.7M
Net Cash By Market Cap	$17.66
Net Debt Equity	$-0.22
Tangible Book Value	$1.4B
Tangible Book Value Per Share	$26.87
WACC	6.12

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	$-13.1B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	-9.76%
Dividend Growth	8.21%
Dividend Growth Years	13%
Dividend per share	$1.48
Dividend Years	41
Dividend Yield	3.25%
Ex Div Date	2026-03-02
Last Dividend	$0.37
Payout Frequency	Quarterly
Payout Ratio	41.03%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	119.77%
1Y total return	10.58%
200-day SMA	42.81
3Y total return	58.82%
50-day SMA	43.34
50-day SMA vs 200-day SMA	50over200
5Y total return	35.03%
All Time High	52.44
All Time High Change	-13.06%
All Time High Date	2024-12-17
All Time Low	5.32
All Time Low Change	757.28%
All Time Low Date	1991-08-28
ATR	1.07
Beta	0.48
Beta1y	0.67
Beta2y	0.81
Ch YTD	9.8
High	45.86
High52	46.92
High52 Date	2026-02-06
High52ch	-2.83%
Low	44.9
Low52	39.2
Low52 Date	2025-10-10
Low52ch	16.32%
Ma50ch	5.2%
Price vs 200-day SMA	6.48%
RSI	59.36
RSI Monthly	56.9
RSI Weekly	57.05
Sharpe ratio	0.36x
Sortino ratio	0.79
Total Return	-6.52%
Tr YTD	10.76
Tr15y	237.84%
Tr1m	3.64%
Tr1w	3.12%
Tr3m	-1.42%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Analyst Count	3
Analyst Count Top	1
Analyst Price Target Top	$47
Analyst Ratings	Strong Buy
Analyst Ratings Top	Hold
Earnings EPS Estimate	$0.98
Earnings EPS Estimate Growth	22.5
Earnings Revenue Estimate	185,279,336x
Earnings Revenue Estimate Growth	19.79x
Operating Income	$280.9M
Operating margin	40.33
Price target	$51.33
Price Target Change	$12.59
Price Target Change Top	$3.09

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	50,974,855%
Float Percent	98.01%
Shares Insiders	1.92%
Shares Institutions	63.97%
Shares Out	52,009,646
Shares Qo Q	-0.33%
Shares Yo Y	9.76%
Short Float	1.99%
Short Ratio	4.06
Short Shares	1.95

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Average Volume	266,449.9x
Bv Per Share	36.57
Ch10y	63.05
Ch15y	109
Ch1m	3.64
Ch1w	3.12
Ch1y	6.87
Ch20y	104.5
Ch3m	-2.27
Ch3y	43.68
Ch5y	15.18
Ch6m	9.57
Change	1.15%
Change From Open	1.27
Close	45.07
Days Gap	-0.11
Dollar Volume	13,489,260.4
Earnings Date	2026-04-23
Earnings Time	amc
EPS	$3.53
F Score	2
Fiscal Year End	December
Founded	1,856
Goodwill	453,278,000
Graham Number	53.92234
Graham Upside	18.28
Income Tax	$55.3M
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-04-23
Last Report Date	2026-03-31
Last Split Date	1999-11-29
Last Split Type	Forward
Last10k Filing Date	2026-02-27
Lynch Fair Value	$23.06
Lynch Upside	-49.41
Ma150	42.85
Ma150ch	6.39%
Ma20	44.73
Ma20ch	1.92%
Next Earnings Date	2026-07-27
Open	45.02
Optionable	Yes
Payment Date	2026-03-16
Position In Range	71.88
Ppne	100,253,000
Price Date	2026-05-08
Ptbv Ratio	1.69
Relative Volume	1.11x
Revenue	696,571,000x
Tax By Revenue	7.93x
Tax Rate	23.13%
Tr20y	294.19%
Tr6m	11.52%
Us State	New York
Volume	295,882

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

NBTB dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+3.2%

$1.48 annual per share

Payout ratio

+41.0%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+6.1%

13 consecutive years of growth

Total shareholder yield

-6.5%

Next ex-dividend date: 2026-03-02

Performance

NBTB stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns NBTB?

Insider, institutional, and short-interest positioning.

Institutional ownership

+64.0%

Float: +98.0% of shares outstanding

Insider ownership

+1.9%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

NBTB momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

59.4

Neutral momentum band

Price vs 200-day MA

+6.5%

50/200-day relationship not available

Beta (5Y)

0.48

Less volatile than the market

Sharpe ratio

0.36

Risk-adjusted return — higher is better; >1.0 is solid.

Peers

NBTB vs. sector cohort

Currency-neutral comparison: P/E, P/S, ROIC, 5Y revenue CAGR, and 1Y total return. Market-cap column appears only when every peer reports in the same currency.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	215.6B	19.7x	3.1x	11.5%	+15.5%	+15.6%	Reduzir
BAC	Bank of America Corporation	364.1B	12.7x	3.3x	—	+6.3%	+28.2%	Reduzir
BK	The Bank of New York Mellon Corporation	89.6B	16.2x	4.3x	—	+6.0%	+58.4%	Reduzir

Questions

About NBTB

Hub-level FAQ points readers to the deeper analysis pages.

What is the current NBTB stock rating?

NBT Bancorp Inc. is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full NBTB analysis?

The full report lives at /stocks/NBTB/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for NBTB?

The latest report frames NBTB around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the NBTB page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.