NASDAQ: NBTBNbt Bancorp Inc Stock
$53.57+0.16 (+0.3%)
Updated Aug 13, 2026
NBTB Price
$53.57
Fair Value Price
$82.16
Market Cap
$2.78B
52 Week Low
$39.20
52 Week High
$54.48
P/E
13.03x
P/B
1.43x
P/S
3.55x
PEG
4.12x
Dividend Yield
2.76%
Revenue
$723.81M
Earnings
$214.15M
Gross Margin
100%
Operating Margin
38.31%
Profit Margin
29.6%
Debt to Equity
7.34
Operating Cash Flow
$262M
Beta
0.69
Next Earnings
N/A
Ex-Dividend
Sep 1, 2026
Next Dividend
Sep 15, 2026
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
DSell
- Stocks with a Zen Rating of Sell (D) had an average loss of -6.47% 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#262 of 287
Ranked#262 of 287
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $80.43 | A | |
| $26.00 | A | |
| $40.88 | B |
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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 ($53.57) is undervalued by 34.8% relative to our estimate of its Fair Value price of $82.16 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
NBTB ($53.57) is significantly undervalued by 34.8% relative to our estimate of its Fair Value price of $82.16 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
NBTB ($53.57) 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
$53.57
Fair Value
$82.16
Undervalued by
34.80%
NBTB ($53.57) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
NBTB ($53.57) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
NBTB ($53.57) 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
13.03x
Industry
14.78x
Market
14.17x
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
1.43x
Industry
1.35x
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
$180.6M
Net Income
$53.0M
Profit Margin
29.4%
NBTB's Earnings (EBIT) of $277.31M... 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
7.34
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
$61.9M
Investing
-$428.8M
Financing
-$54.5M
NBTB's operating cash flow ($261.66M)... subscribe to Premium to read more.
Debt Coverage Financials
NBTB vs Bank Stocks
Nbt Bancorp Stock FAQ
Company
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