NBT Bancorp Inc.

Valuation Analysis

About the Company

NBT Bancorp Inc., a financial holding company, provides personal and commercial banking, retail banking, and wealth management services in the United States. It operates through Banking, Retirement Plan Administration, and All Other segments. The company offers demand deposit, savings, interest-bearing checking, money market deposit, and certificate of deposit accounts; and indirect and direct consumer loans, home equity loans and lines of credit, residential mortgages, business banking loans, commercial and industrial loans, agricultural loans, commercial construction loans, commercial real estate loans, indirect auto loans, and other consumer loans, as well as agricultural lending, personal lines of credit, overdraft protection, and second mortgage loans. It also provides trust and inves

NBT Bancorp Inc. Stock at a Glance

NBT Bancorp Inc. (NBTB) is currently trading at $48.18 with a market capitalization of $2.5B. The trailing P/E ratio stands at 13.61x, with a forward P/E of 10.61x. The 52-week range spans from $39.20 to $48.26; the current price is 0.2% below the yearly high. Year-over-year revenue growth stands at +21.6%. The net profit margin stands at 26.36%.

💰 Dividend

NBT Bancorp Inc. pays an annual dividend of $1.48 per share, representing a yield of 3.07%. The payout ratio stands at 40.96%.

📊 Analyst Rating

6 analysts rate NBT Bancorp Inc. (NBTB) on consensus: None. The average price target is $48.92, implying +1.53% from the current price. Analyst price targets range from $46.50 to $52.00.

NBT Bancorp Inc.: The Investment Case in Detail

NBT Bancorp Inc. (NBTB) operates in the Financial Services — specifically Banks - Regional — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

The Bull Case

Revenue is growing at a healthy 21.6% pace year-over-year, suggesting the business model continues to find new customers and pricing power. Earnings growth of 27.3% is outpacing revenue, a sign of operational leverage — fixed costs are being absorbed across a larger base. Our valuation screen flags the stock as undervalued relative to its fundamentals — multiples are running below where the cash flow profile would normally justify.

What to Watch Next

• The forward P/E of 10.61x is meaningfully below the trailing 13.61x — analysts expect earnings to step up; the next earnings release is the test.
• The share is trading at 99.1% of its 52-week range — a break above the recent high opens technical upside, a failure here often invites profit-taking.
• The dividend yield near 3.07% combined with a payout ratio of 40.96% leaves room for further hikes — a track record of consecutive raises is a strong income signal.

Investment Thesis: Strengths & Weaknesses

Technical Snapshot

Price trades above both the 50- and 200-day moving averages, with 50d above 200d — a classic bullish setup (golden-cross alignment).

Risk Profile

The data points to relatively defensive market behavior.

Trading Data

💵 Dividend Info

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