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NBT Bancorp Inc.

NBTB • Banks - Regional
$52.27
▲ +0.64 (+1.24%)
Current price
EarningsLatest report: Mar 31, 2026
HIGHLY FAVORABLE PROFILEExcellentConfidence: 70%

Quantitative profile — not an investment recommendation.

Quantitative profile — not an investment recommendation.Methodology
Analysis thesis: Strong business quality with supportive growth and cash-flow evidence. Valuation still matters, but the historical ratio profile is favorable.
Market Cap
$2.74B
Growth
3.0%
Cash Flow
5/5
Trend
Stable
Evidence
Stable or improving margins · 19.5%Positive revenue growth · 12.7%Positive free cash flow · 4.65Consistent free cash flow · 5/5Reasonable earnings multiple · 11.56
Financial data as of: Mar 31, 2026, 12:00 AM UTCLast earnings update: Apr 23, 2026, 12:00 AM UTCLast profile update: Aug 5, 2026, 2:36 PM UTC

Company Snapshot

Key valuation, quality, financial strength, momentum and analyst data.

Price$52.27
Change1.24%
Shares Out52.35M
Market Cap$2.74B
Enterprise Value$2.75B
52W Range39.20 - 48.93
Beta0.50
P/E14.90
P/S2.93
P/B1.43
P/FCF11.92
EV/Sales2.94

Investment DNA

How strong this company looks for long-term investors

85
out of 100
Business Quality
Margins, moat, returns
77/100
Financial Strength
Debt, cash, stability
73/100
Growth Potential
Revenue and expansion
87/100
Price Attractiveness
Cheap or expensive today
89/100
Why this score▼
Stable or improving margins · 19.5%Positive revenue growth · 12.7%Positive free cash flow · 4.65Consistent free cash flow · 5/5Reasonable earnings multiple · 11.56Manageable debt level · 0.17

Analyst view

Analyst sentiment and price target

NBTB
Analyst sentiment
Based on 10 analyst votes · 2026-09-05
65/100
Neutral
Bullish
4
Hold
5
Bearish
1
Price Target
2026-06-25
Low
$42.00
Mean
$46.00
Median
$47.00
High
$49.00

Company Overview

IPO: 3/17/1992
Industry: Banks - Regional
P/B i: 1.43
Debt / Equity i: 0.17
Operating Margin: 25.30%
Net Margin: 19.51%
ROE i: -
ROIC: -

Financial Health

Score15 / 20
Debt / Equity: 0.17
Current Ratio: 1.60
Quick Ratio: 1.60
Status: Good

Insider Transactions

Recent executive and insider activity

Hoeller Heidi M
Transaction: 06/12/2026
SELL
Change
-2,100
Price
$48.03
Filing
06/12/2026
Type
SELL
Sparks Martin Randolph
Transaction: 06/12/2026
SELL
Change
-1,200
Price
$48.04
Filing
06/12/2026
Type
SELL
WATT JOHN H JR
Transaction: 06/09/2026
SELL
Change
-21,000
Price
$47.42
Filing
06/10/2026
Type
SELL