Financhill
Sell
50

NBTB Quote, Financials, Valuation and Earnings

Last price:
$42.73
Seasonality move :
-1.04%
Day range:
$42.88 - $43.96
52-week range:
$37.31 - $49.48
Dividend yield:
3.29%
P/E ratio:
14.32x
P/S ratio:
2.46x
P/B ratio:
1.22x
Volume:
165.3K
Avg. volume:
244K
1-year change:
-11.8%
Market cap:
$2.3B
Revenue:
$788.4M
EPS (TTM):
$3.01

Analysts' Opinion

  • Consensus Rating
    NBT Bancorp, Inc. has received a consensus rating of Hold. The company's average rating is a Hold based on 2 Buy ratings, 3 Hold ratings, and 0 Sell ratings.
  • Price Target Upside
    According to analysts' consensus price target of $48.20, NBT Bancorp, Inc. has an estimated upside of 11.81% from its current price of $43.11.
  • Price Target Downside
    According to analysts, the lowest downside price target is $47.00 representing 100% downside risk from its current price of $43.11.

Fair Value

  • According to the consensus of 5 analysts, NBT Bancorp, Inc. has 11.81% upside to fair value with a price target of $48.20 per share.

NBTB vs. S&P 500

  • Over the past 5 trading days, NBT Bancorp, Inc. has underperformed the S&P 500 by -5.25% suggesting its relative strength compared to the major market average is weak at this time.

Share Buyback

  • NBT Bancorp, Inc. does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.

Revenue Growth

  • NBT Bancorp, Inc. has grown year-over-year revenues for 18 quarters straight. In the most recent quarter NBT Bancorp, Inc. reported revenues of $241.7M.

Earnings Growth

  • NBT Bancorp, Inc. has grown year-over-year earnings for 1 quarter straight. In the most recent quarter NBT Bancorp, Inc. reported earnings per share of $1.03.
Enterprise value:
2.6B
EV / Invested capital:
1.19x
Price / LTM sales:
2.46x
EV / EBIT:
6.38x
EV / Revenue:
2.97x
PEG ratio (5yr expected):
2.55x
EV / Free cash flow:
12.72x
Price / Operating cash flow:
10.57x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
1.02%
Net Income Margin (TTM):
17.25%
Return On Equity:
9.05%
Return On Invested Capital:
7.33%
Operating Margin:
30.18%
Trailing 12 Months Fiscal Quarters
Period Ending 2023-09-30 2024-09-30 2025-09-30 2024-09-30 2025-09-30
Income Statement
Revenue $619.1M $777.8M $868.2M $201.9M $241.7M
Gross Profit -- -- -- -- --
Operating Income $171.1M $179.2M $215.7M $49.3M $73M
EBITDA -- -- -- -- --
Diluted EPS $2.86 $2.85 $3.01 $0.80 $1.03
Period Ending 2021-09-30 2022-09-30 2023-09-30 2024-09-30 2025-09-30
Balance Sheet
Current Assets $1.3B $321.1M $672.7M $524.7M $690.6M
Total Assets $12B $11.6B $13.8B $13.8B $16.1B
Current Liabilities $3.8B $3.8B $4.2B $3.7B $4B
Total Liabilities $10.8B $10.5B $12.5B $12.3B $14.3B
Total Equity $1.2B $1.2B $1.4B $1.5B $1.9B
Total Debt $213.6M $203.3M $250.4M $251.7M $180.6M
Trailing 12 Months Fiscal Quarters
Period Ending 2023-09-30 2024-09-30 2025-09-30 2024-09-30 2025-09-30
Cash Flow Statement
Cash Flow Operations $154.6M $174M $218.2M $52.7M $80.6M
Cash From Investing -$322.7M -$202.3M $57.3M -$58.5M -$13.8M
Cash From Financing $519.8M -$161.8M -$117.8M $280.8M $31.9M
Free Cash Flow $146M $163M $202.3M $48.4M $74.3M
NBTB
Sector
Market Cap
$2.3B
$565.4M
Price % of 52-Week High
87.13%
92.48%
Dividend Yield
3.29%
1.57%
Shareholder Yield
4.75%
3.12%
1-Year Price Total Return
-11.8%
8.05%
Beta (5-Year)
0.513
0.478
Dividend yield:
3.29%
Annualized payout:
$1.32
Payout ratio:
35.76%
Growth streak:
12 years

Technicals

8-day SMA
Sell
Level $43.98
200-day SMA
Buy
Level $42.12
Bollinger Bands (100)
Buy
Level 40.63 - 43.53
Chaikin Money Flow
Buy
Level 26.1M
20-day SMA
Buy
Level $42.82
Relative Strength Index (RSI14)
Buy
Level 53.89
ADX Line
Buy
Level 21.96
Williams %R
Neutral
Level -47.4164
50-day SMA
Buy
Level $41.57
MACD (12, 26)
Buy
Level 0.71
25-day Aroon Oscillator
Buy
Level 88
On Balance Volume
Neutral
Level 10.2M

Financial Scores

Sell
Altman Z-Score (Annual)
Level (-0.0326)
Sell
CA Score (Annual)
Level (-2.1084)
--
Beneish M-Score (Annual)
Level (--)
Sell
Momentum Score
Level (4)
Sell
Ohlson Score
Level (3.4403)
Buy
Piotroski F Score (Annual)
Level (8)
Buy
Quality Ratio Score
Level (2)
Buy
Fundamental Score
Level (8)

Revenue Forecast

Earnings per Share Forecast

Company Profile

NBT Bancorp, Inc. is a holding company, which engages in the provision of financial solutions. It offers commercial banking, retail banking, and wealth management, as well as trust and investment services. The company was founded in 1986 and is headquartered in Norwich, NY.

Stock Forecast FAQ

In the current month, NBTB has received 2 Buy ratings 3 Hold ratings, and 0 Sell ratings. The NBTB average analyst price target in the past 3 months is $48.20.

  • Where Will NBT Bancorp, Inc. Stock Be In 1 Year?

    According to analysts, the consensus estimate is that NBT Bancorp, Inc. share price will rise to $48.20 per share over the next 12 months.

  • What Do Analysts Say About NBT Bancorp, Inc.?

    Analysts are divided on their view about NBT Bancorp, Inc. share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that NBT Bancorp, Inc. is a Sell and believe this share price will drop from its current level to $47.00.

  • What Is NBT Bancorp, Inc.'s Price Target?

    The price target for NBT Bancorp, Inc. over the next 1-year time period is forecast to be $48.20 according to 5 Wall Street analysts, 2 of them rate the stock a Buy, 0 rate the stock a Sell, and 3 analysts rate the stock a Hold.

  • Is NBTB A Buy, Sell Or Hold?

    According to Wall Street analysts, the consensus rating for NBT Bancorp, Inc. is a Hold. 3 of 5 analysts rate the stock a Hold at this time.

  • How Can I Buy Shares Of NBTB?

    You can purchase shares of NBT Bancorp, Inc. via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase NBT Bancorp, Inc. shares.

  • What Is The NBT Bancorp, Inc. Share Price Today?

    NBT Bancorp, Inc. was last trading at $42.73 per share. This represents the most recent stock quote for NBT Bancorp, Inc.. Yesterday, NBT Bancorp, Inc. closed at $43.11 per share.

  • How To Buy NBT Bancorp, Inc. Stock Online?

    In order to purchase NBT Bancorp, Inc. stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.

SEE THE 1% OF STOCKS YOU NEED TO OWN FOR MASSIVE RETURNS

GET BETTER TRADE IDEAS

Popular

Is Bloom Energy The Best Stock to Buy Now?
Is Bloom Energy The Best Stock to Buy Now?

Shares of energy startup Bloom Energy (NYSE:BE) have advanced by…

Is Berkshire Hathaway Stock Undervalued?
Is Berkshire Hathaway Stock Undervalued?

Berkshire Hathaway (NYSE:BRK.A,BRK.B) has undershot the market this year, returning…

Is Oracle Stock Undervalued?
Is Oracle Stock Undervalued?

Shares of Oracle (NYSE:ORCL) rocketed higher earlier this year when…

Stock Ideas

Buy
55
Is NVDA Stock a Buy?

Market Cap: $4.5T
P/E Ratio: 63x

Buy
53
Is AAPL Stock a Buy?

Market Cap: $4T
P/E Ratio: 36x

Buy
59
Is GOOG Stock a Buy?

Market Cap: $3.8T
P/E Ratio: 39x

Alerts

Buy
60
AAOI alert for Dec 23

Applied Optoelectronics, Inc. [AAOI] is up 4.51% over the past day.

Buy
52
ABVX alert for Dec 23

Abivax SA [ABVX] is up 0.04% over the past day.

Buy
60
ZBIO alert for Dec 23

Zenas BioPharma, Inc. [ZBIO] is down 0.54% over the past day.

THE #1 STOCK ANALYSIS TOOL
TO MAKE SMARTER BUY AND SELL DECISIONS

Show me the best stock