NASDAQ: NBTBNbt Bancorp Inc Stock
$44.04+0.21 (+0.48%)
Updated Jul 10, 2025
NBTB Price
$44.04
Fair Value Price
$67.43
Market Cap
$2.08B
52 Week Low
$37.31
52 Week High
$52.44
P/E
14.49x
P/B
1.33x
P/S
3.56x
PEG
1.26x
Dividend Yield
3.09%
Revenue
$569.47M
Earnings
$143.56M
Gross Margin
100%
Operating Margin
32.22%
Profit Margin
25.2%
Debt to Equity
7.86
Operating Cash Flow
$194M
Beta
0.72
Next Earnings
Jul 28, 2025
Ex-Dividend
N/A
Next Dividend
N/A
NBTB Overview
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.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine NBTB's potential to beat the market
DSell
- Stocks with a Zen Rating of Sell (D) had an average loss of -4.50% per year. Learn More
Zen Rating Component Grades
C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Bank
Industry Rating
F
NBTB
Ranked#249 of 296
Ranked#249 of 296
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $37.15 | B | |
| $37.84 | B | |
| $5.10 | B |
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NBTB News
Overview
Due Diligence Score
–
Industry Average (35)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how NBTB scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
NBTB ($44.04) is undervalued by 34.68% relative to our estimate of its Fair Value price of $67.43 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
NBTB ($44.04) is significantly undervalued by 34.68% relative to our estimate of its Fair Value price of $67.43 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
NBTB ($44.04) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more NBTB due diligence checks available for Premium users.
Valuation
NBTB fair value
Fair Value of NBTB stock based on Discounted Cash Flow (DCF)
Price
$44.04
Fair Value
$67.43
Undervalued by
34.68%
NBTB ($44.04) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
NBTB ($44.04) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
NBTB ($44.04) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
NBTB price to earnings (PE)
For valuing profitable companies with steady earnings
Company
14.49x
Industry
12.69x
Market
30.8x
NBTB is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
NBTB is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
NBTB price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
1.33x
Industry
1.23x
NBTB is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation
NBTB price to earnings growth (PEG)
For valuing profitable companies with growth potential
NBTB is poor value relative... subscribe to Premium to read more.
PEG Value Valuation
NBTB's financial health
Profit margin
Revenue
$147.1M
Net Income
$36.7M
Profit Margin
25%
NBTB's Earnings (EBIT) of $183.47M... subscribe to Premium to read more.
Interest Coverage Financials
NBTB's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$13.9B
Liabilities
$12.3B
Debt to equity
7.86
NBTB's debt relative to shareholder... subscribe to Premium to read more.
Shrinking Debt Financials
NBTB's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$42.0M
Investing
-$113.2M
Financing
$41.2M
NBTB's operating cash flow ($193.83M)... subscribe to Premium to read more.
Debt Coverage Financials
NBTB vs Bank Stocks
Nbt Bancorp Stock FAQ
Company
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