NASDAQ: NBTB
Nbt Bancorp Inc Stock

$48.04+0.28 (+0.59%)
Updated Feb 13, 2025
NBTB Price
$48.04
Fair Value Price
$39.35
Market Cap
$2.27B
52 Week Low
$32.79
52 Week High
$52.44
P/E
16.74x
P/B
1.49x
P/S
3.84x
PEG
0.73x
Dividend Yield
2.75%
Revenue
$543.55M
Earnings
$135.08M
Gross Margin
100%
Operating Margin
31.96%
Profit Margin
24.9%
Debt to Equity
8.09
Operating Cash Flow
$175M
Beta
0.86
Next Earnings
N/A
Ex-Dividend
Mar 3, 2025
Next Dividend
Mar 17, 2025

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
Value
D
Growth
B
Momentum
C
Sentiment
C
Safety
C
Financials
B
Artificial Intelligence
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
#312 of 339

Top Ranked Stocks in Industry

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NBTB News

Overview

Due Diligence Score

Industry Average (32)
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 ($48.04) is overvalued by 22.07% relative to our estimate of its Fair Value price of $39.35 based on Discounted Cash Flow (DCF) modelling
Below Fair Value Valuation
NBTB ($48.04) is not significantly undervalued (22.07%) relative to our estimate of its Fair Value price of $39.35 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
NBTB ($48.04) 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
$48.04
Fair Value
$39.35
Overvalued by
22.07%
NBTB ($48.04) is overvalued by... subscribe to Premium to read more.
Below Fair Value Valuation
NBTB ($48.04) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
NBTB ($48.04) 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
16.74x
Industry
32.69x
Market
38.39x
NBTB is good 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
1.49x
Industry
1.16x
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
$144.5M
Net Income
$38.1M
Profit Margin
26.4%
NBTB's Earnings (EBIT) of $173.70M... subscribe to Premium to read more.
Interest Coverage Financials
NBTB's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$13.8B
Liabilities
$12.3B
Debt to equity
8.09
NBTB's debt has increased relative... 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
$52.1M
Investing
-$58.0M
Financing
$280.8M
NBTB's operating cash flow ($175.05M)... subscribe to Premium to read more.
Debt Coverage Financials

NBTB vs Bank Stocks

TickerZen RatingMarket Cap1d %P/EP/B
NBTBD$2.27B+0.59%16.74x1.49x
EFSCC$2.28B+0.52%13.00x1.25x
SYBTC$2.22B+0.96%20.66x2.37x
TRMKB$2.32B+1.01%11.44x1.17x
INTRC$2.36B+1.90%15.00x1.54x

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 $52.44, and its 52-week low was $32.79. It is currently -8.39% from its 52-week high and 46.51% from its 52-week low.

How much is Nbt Bancorp stock worth today?

(NASDAQ: NBTB) Nbt Bancorp currently has 47,177,534 outstanding shares. With Nbt Bancorp stock trading at $48.04 per share, the total value of Nbt Bancorp stock (market capitalization) is $2.27B.

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 27 years would have been 77.93%, 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 $48.04 today (as of Feb 13, 2025).

What is Nbt Bancorp's Market Cap?

(NASDAQ: NBTB) Nbt Bancorp's market cap is $2.27B, as of Feb 14, 2025.

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 $48.04 by NBTB's total outstanding shares of 47,177,534.
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