NBTB Stock Analysis: NBT Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 2.678m USD | 12M Return: 26.2% | US6287781024 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 17.9M
EPS Trend: 41.2%
Qual. Beats: 0
Rev. Trend: 98.3%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
NBT Bancorp Inc. is a U.S. financial holding company founded in 1856 and headquartered in Norwich, New York. It provides personal and commercial banking, retail banking, and wealth management services across upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut.
The company operates through three segments: Banking, Retirement Plan Administration, and All Other. Its banking segment offers a full suite of deposit products-demand, savings, interest-bearing checking, money market, and CDs-alongside a broad loan portfolio that includes residential mortgages, home equity loans, commercial and industrial loans, commercial real estate loans, agricultural loans, indirect auto loans, and consumer lending products.
Beyond core banking, NBTB delivers trust and investment services, financial planning, life insurance, retirement plan and health savings account administration, and actuarial services. It also distributes personal and commercial property and casualty insurance products, and operates as a property management entity and registered investment advisor.
As a regional bank in the Financials sector, NBTB serves retail, commercial, and municipal customers through a multi-channel distribution network spanning ATM locations, online, mobile, and telephone banking platforms.
- margin compresses on Fed rate cuts
- Commercial real estate loan losses pressure credit provisions
- Retirement plan administration segment fees grow double digits
| Net Income: 214.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.38 > 1.0 |
| NWC/Revenue: -13.68% < 20% (prev -1.56k%; Δ 1.55k% < -1%) |
| CFO/TA 0.02 > 3% & CFO 261.7m > Net Income 214.2m |
| Net Debt (284.0m) to EBITDA (301.5m): 0.94 < 3 |
| Current Ratio: 0.59 > 1.5 & < 3 |
| Outstanding Shares: last quarter (52.4m) vs 12m ago 11.13% < -2% |
| Gross Margin: 76.57% > 18% (prev 71.28%; Δ 5.29% > 0.5%) |
| Asset Turnover: 5.87% > 50% (prev 5.16%; Δ 0.71% > 0%) |
| Interest Coverage Ratio: 1.35 > 6 (EBIT TTM 277.3m / Interest Expense TTM 206.0m) |
| A: -0.01 (Total Current Assets 187.2m - Total Current Liabilities 316.4m) / Total Assets 16.2b |
| B: 0.08 (Retained Earnings 1.26b / Total Assets 16.2b) |
| C: 0.02 (EBIT TTM 277.3m / Avg Total Assets 16.1b) |
| D: 0.14 (Book Value of Equity 1.94b / Total Liabilities 14.3b) |
| Altman-Z'' = 0.46 = B |
As of October 06, 2026, the stock is trading at USD 50.95 with a total of 422,292 shares traded. Over the past week, the price has changed by +0.26%, over one month by -0.91%, over three months by +2.37% and over the past year by +26.22%.
Current recommended Stop Loss: 49.80 (which is 2.3% or 1.3 ATR below the current price).
NBT Bancorp has received a consensus analysts rating of 3.43. Therefore, it is recommended to hold NBTB.
- StrongBuy: 1
- Buy: 1
- Hold: 5
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 56.8 | 11.5% |
P/E Trailing = 12.5377
P/E Forward = 13.4048
P/S = 3.6992
P/B = 1.3592
P/EG = 2.6616
Revenue TTM = 945.3m USD
EBIT TTM = 277.3m USD
EBITDA TTM = 301.5m USD
Long Term Debt = 154.8m USD (from longTermDebt, last quarter)
Short Term Debt = 316.4m USD (from shortTermDebt, last quarter)
Debt = 471.2m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 284.0m USD (calculated: Debt 471.2m - CCE 187.2m)
Enterprise Value = 2.96b USD (2.68b + Debt 471.2m - CCE 187.2m)
Interest Coverage Ratio = 1.35 (Ebit TTM 277.3m / Interest Expense TTM 206.0m)
EV/FCF = 12.06x (Enterprise Value 2.96b / FCF TTM 245.6m)
FCF Yield = 8.29% (FCF TTM 245.6m / Enterprise Value 2.96b)
FCF Margin = 25.98% (FCF TTM 245.6m / Revenue TTM 945.3m)
Net Margin = 22.65% (Net Income TTM 214.2m / Revenue TTM 945.3m)
Gross Margin = 76.57% ((Revenue TTM 945.3m - Cost of Revenue TTM 221.5m) / Revenue TTM)
Gross Margin QoQ = 76.67% (prev 76.86%)
Tobins Q-Ratio = 0.18 (Enterprise Value 2.96b / Total Assets 16.2b)
Interest Expense / Debt = 43.72% (Interest Expense 206.0m / Debt 471.2m)
Taxrate = 22.77% (63.2m / 277.3m)
NOPAT = 214.2m (EBIT 277.3m * (1 - 22.77%))
Current Ratio = 0.59 (Total Current Assets 187.2m / Total Current Liabilities 316.4m)
Debt / Equity = 0.24 (Debt 471.2m / totalStockholderEquity, last quarter 1.94b)
Debt / EBITDA = 0.94 (Net Debt 284.0m / EBITDA 301.5m)
Debt / FCF = 1.16 (Net Debt 284.0m / FCF TTM 245.6m)
Total Stockholder Equity = 1.90b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.33% (Net Income 214.2m / Total Assets 16.2b)
RoE = 11.26% (Net Income TTM 214.2m / Total Stockholder Equity 1.90b)
RoCE = 13.48% (EBIT 277.3m / Capital Employed (Equity 1.90b + L.T.Debt 154.8m))
RoIC = 1.32% (NOPAT 214.2m / Invested Capital 16.2b)
WACC = 11.79% (E(2.68b)/V(3.15b) * Re(7.92%) + D(471.2m)/V(3.15b) * Rd(43.72%) * (1-Tc(0.23)))
Discount Rate = 7.92% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 76.85 | Cagr: 4.55%
[DCF] Terminal Value 67.69% ; FCFF base≈220.1m ; Y1≈252.3m ; Y5≈371.3m
[DCF] Fair Price = 61.29 (EV 3.47b - Net Debt 284.0m = Equity 3.18b / Shares 52.0m; r=11.79% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 41.18 | EPS CAGR: 4.97% | SUE: -0.27 | # QB: 0
Revenue Correlation: 98.27 | Revenue CAGR: 15.64% | SUE: 0.72 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.09 | Chg30d=+0.27% | Revisions=+25% | Analysts=7
EPS current Year (2026-12-31): EPS=4.18 | Chg30d=+0.16% | Revisions=+38% | GrowthEPS=+9.5% | GrowthRev=+7.6%
EPS next Year (2027-12-31): EPS=4.57 | Chg30d=+0.50% | Revisions=+29% | GrowthEPS=+9.2% | GrowthRev=+6.9%
[Analyst] Revisions Ratio: +46% (up=8, down=2)