NBT Bancorp Inc.

Valuation Analysis

About the Company

NBT Bancorp Inc. en bref

NBT Bancorp Inc. (NBTB) is currently trading at 40,69 € with a market capitalization of 2,1 Md €. The trailing P/E ratio stands at 13.22x, with a forward P/E of 10.28x. The 52-week range spans from 34,17 € to 42,55 €; the current price is 4.4% below the yearly high. Year-over-year revenue growth stands at +21.6%. The net profit margin stands at 26.36%.

💰 Dividende

NBT Bancorp Inc. currently does not pay a dividend. The company typically reinvests its earnings into growth initiatives and product development.

📊 Avis des analystes

6 analystes évaluent NBT Bancorp Inc. (NBTB) au consensus : None. L'objectif de cours moyen est de 42,65 €, soit un potentiel de +4.79% par rapport au cours actuel. La fourchette des objectifs de cours des analystes va de 40,54 € à 45,33 €.

NBT Bancorp Inc. : la thèse d'investissement en détail

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.

Le scénario haussier

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.

À surveiller

• The forward P/E of 10.28x is meaningfully below the trailing 13.22x — analysts expect earnings to step up; the next earnings release is the test.

Thèse d'investissement : forces et faiblesses

Aperçu technique

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

Profil de risque

The data points to relatively defensive market behavior.

Trading Data

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