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NBTB NASDAQ US

NBT Bancorp Inc. - Common Stock

Financials · Banking Website · IPO Mar 1992
$43.15
▲ +$0.15 (+0.35%)
Vol 123K
10
Quality Score
ok
Deep Check
2/5 ok
Mkt Cap
$2.2B
P/E
14.5
ROE
8.9%
Margin
24.1%
D/E
17.23
Beta
0.53
Div Yield
3.56%
52W
$37–$49

Wall Street Consensus

13 analysts · Apr 2026
3
Strong Buy
5
Buy
5
Hold
0
Sell
0
Strong Sell
61.5%
Buy Rating

Price Chart

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Earnings

Beat rate: 100.0%
Quarter EPS Est EPS Act Surprise
Dec 2025 $1.01 $1.05 +$0.04
Sep 2025 $0.99 $1.05 +$0.06
Jun 2025 $0.83 $0.88 +$0.05
Mar 2025 $0.76 $0.80 +$0.04

Fundamentals Trend

Metric 2025-06-30 2025-09-02 2025-10-02 2025-11-03 2025-12-03 2026-01-02
ROE (TTM) 8.3% 8.3% 8.3% 8.3% 8.9% 8.9%
P/E (TTM) 16.30 16.65 16.18 15.90 14.52 14.51
Net Margin — 24.1% 24.1% 24.1% 24.1% 24.1%
Gross Margin — — — — — —
D/E Ratio 22.79 22.79 22.79 22.79 17.23 17.23
Current Ratio — — — — — —

Key Ratios

ROA (TTM)
1.0%
P/S (TTM)
3.29
P/B
1.5
EPS (TTM)
$3.00
CF/Share
$3.16
Rev Growth 3Y
+1.5%
52W High
$49.48
52W Low
$37.31
$37.31 52-Week Range $49.48

How does NBTB compare to Banking peers?

Peer group: Mid-cap Banking ($2B+) · 74 companies

NBTB BANF BANR BOKF BPOP

NBTB valuation vs Banking peers

P/E ratio
14.5
▲ 15% above peers (12.6)
vs Peers
vs Industry
Overvalued
P/S ratio
3.3
▲ 39% above peers (2.4)
vs Peers
vs Industry
Overvalued
P/B ratio
1.5
▲ 24% above peers (1.2)
vs Peers
vs Industry
Overvalued
Div yield
3.6%
▼ 3% below peers (3.7%)
vs Peers
vs Industry
In line

NBTB profitability vs Banking peers

ROE
8.9%
▼ 11% below peers (9.9%)
vs Peers
vs Industry
Weak
Net margin
24.1%
▼ 22% below peers (30.9%)
vs Peers
vs Industry
Weak
Gross margin
—
—
vs Peers
vs Industry
Weak
ROA
1.0%
▼ 7% below peers (1.1%)
vs Peers
vs Industry
In line

NBTB financial health vs Banking peers

D/E ratio
17.2
▲ 10% above peers (15.7)
vs Peers
vs Industry
In line
Current ratio
—
—
vs Peers
vs Industry
Low liquidity
Beta
0.5
▼ 39% below peers (0.9)
vs Peers
vs Industry
More volatile

NBTB fundamentals radar

NBTB Peer median Industry

NBTB profitability vs leverage

Bubble size = market cap · X = net margin · Y = D/E ratio

NBTB vs peers: key metrics

Related Signals

Bounce Up SL Hit
$41.95 1.50x Sep 29

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