NBTB NBT Bancorp Inc. logo

NBTB NBT Bancorp Inc.

Financial Services
$45.93+0.15%ClosedMarket Cap: $2.39B

As of 2026-05-25

Valuation

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P/E (TTM)

13.57

PEG

0.67

P/B

1.25

P/S

2.56

EV/EBITDA

9.46

DCF Value

$71.75

FCF Yield

9.8%

Div Yield

3.2%

Margins & Returns

Gross Margin

74.5%

Operating Margin

25.6%

Net Margin

19.7%

ROE

9.8%

ROA

1.1%

ROIC

1.1%

Financials

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PeriodRevenueNet IncomeEPS
Q1 null$232.8M$51.1M$
Q4 null$238.2M$55.5M$
FY null$867.4M$169.2M$
Q3 null$238.8M$54.5M$

Analyst Ratings

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Consensus

Hold

Target (Consensus)

$46.00

Target (Median)

$47.00

Target Range

$42.00 - $49.00

1 Strong Buy2 Buy4 Hold0 Sell0 Strong Sell
DA DavidsonBuy
2026-04-27
DA DavidsonBuy
2025-07-31

Trading Activity

Insider Trades

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Kowalczyk Andrew S IIIdirector
SellFri May 22
WATT JOHN H JRdirector
SellThu May 21
Testa Alfred Vofficer: EVP/President Comm Banking
SellThu May 21
Salanger Matthew Jdirector
SellThu May 21
Kowalczyk Andrew S IIIdirector
SellThu May 21

Company Info

Sector

Financial Services

Industry

Banks - Regional

Country

US

Exchange

Beta

0.48

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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