NASDAQ: NBTB
Nbt Bancorp Inc Stock

$49.17-0.42 (-0.85%)
Updated Jun 29, 2026
NBTB Price
$49.17
Fair Value Price
$80.11
Market Cap
$2.56B
52 Week Low
$39.20
52 Week High
$49.98
P/E
13.89x
P/B
1.34x
P/S
3.19x
PEG
0.85x
Dividend Yield
3.01%
Revenue
$696.57M
Earnings
$183.63M
Gross Margin
100%
Operating Margin
34.3%
Profit Margin
26.4%
Debt to Equity
7.46
Operating Cash Flow
$246M
Beta
0.7
Next Earnings
Jul 27, 2026
Ex-Dividend
N/A
Next Dividend
N/A

NBTB Overview

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 investment services; financial planning and life insurance services; and retirement plan and health savings account recordkeeping and administration, and actuarial services. In addition, the company offers insurance products, such as personal property and casualty, business liability, and commercial insurance; and other products and services through a network of ATM locations and 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. Further, it operates as a property management and passive investment company, as well as investment advisor that provides investment management and financial consulting services. The company serves retail, commercial, and municipal customers. It operates in upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. 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

CHold
  • Stocks with a Zen Rating of Hold (C) had an average return of +5.11% 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
D
NBTB
Ranked
#152 of 286

Top Ranked Stocks in Industry

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NBTB News

Overview

Due Diligence Score

Industry Average (37)
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 ($49.17) is undervalued by 38.62% relative to our estimate of its Fair Value price of $80.11 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
NBTB ($49.17) is significantly undervalued by 38.62% relative to our estimate of its Fair Value price of $80.11 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
NBTB ($49.17) 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
$49.17
Fair Value
$80.11
Undervalued by
38.62%
NBTB ($49.17) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
NBTB ($49.17) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
NBTB ($49.17) 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
13.89x
Industry
13.51x
Market
10.71x
NBTB is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
NBTB is poor 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
1.34x
Industry
1.31x
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 good value based... subscribe to Premium to read more.
PEG Value Valuation

NBTB's financial health

Profit margin

Revenue
$178.9M
Net Income
$51.1M
Profit Margin
28.6%
NBTB's Earnings (EBIT) of $238.90M... 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
$16.2B
Liabilities
$14.3B
Debt to equity
7.46
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
$53.0M
Investing
-$5.7M
Financing
$181.6M
NBTB's operating cash flow ($246.25M)... subscribe to Premium to read more.
Debt Coverage Financials

NBTB vs Bank Stocks

TickerZen RatingMarket Cap1d %P/EP/B
NBTBC$2.56B-0.85%13.89x1.34x
TBBKC$2.57B-0.95%11.84x3.68x
BBTC$2.59B-1.34%17.46x1.03x
BUSEC$2.50B-0.91%12.95x1.04x
FBNCC$2.65B+0.82%21.86x1.57x

Nbt Bancorp Stock FAQ

What is Nbt Bancorp's quote symbol?

(NASDAQ: NBTB) Nbt Bancorp trades on the NASDAQ under the ticker symbol NBTB. Nbt Bancorp stock quotes can also be displayed as NASDAQ: NBTB.

If you're new to stock investing, here's how to buy Nbt Bancorp stock.

What is the 52 week high and low for Nbt Bancorp (NASDAQ: NBTB)?

(NASDAQ: NBTB) Nbt Bancorp's 52-week high was $49.98, and its 52-week low was $39.20. It is currently -1.62% from its 52-week high and 25.45% from its 52-week low.

How much is Nbt Bancorp stock worth today?

(NASDAQ: NBTB) Nbt Bancorp currently has 52,010,232 outstanding shares. With Nbt Bancorp stock trading at $49.17 per share, the total value of Nbt Bancorp stock (market capitalization) is $2.56B.

Nbt Bancorp stock was originally listed at a price of $27.00 in Dec 31, 1997. If you had invested in Nbt Bancorp stock at $27.00, your return over the last 28 years would have been 82.11%, for an annualized return of 2.16% (not including any dividends or dividend reinvestments).

How much is Nbt Bancorp's stock price per share?

(NASDAQ: NBTB) Nbt Bancorp stock price per share is $49.17 today (as of Jun 29, 2026).

What is Nbt Bancorp's Market Cap?

(NASDAQ: NBTB) Nbt Bancorp's market cap is $2.56B, as of Jun 30, 2026.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Nbt Bancorp's market cap is calculated by multiplying NBTB's current stock price of $49.17 by NBTB's total outstanding shares of 52,010,232.
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