NBTB

NBT Bancorp Inc.
$51.43
-0.08 (-0.16%)
Mkt Cap 2.67B
Volume 184,490
52W Range 39.2-54.5
Sector Financial Services
Beta 0.48
EPS (TTM) 4.10 USD
P/E Ratio 12.54
Revenue (TTM) 945.29M USD
Rev Growth (5Y) +12.0%
EPS Growth (5Y) +6.9%
AlphaVal · Fair Value
What we estimate one share is worth
$73.89
Undervalued moderate signal
30.4% below fair value
Modeled from cash flows & growth.
AlphaQuality · Grade
How strong & durable the business is
B-
Banks, Insurers & Asset Managers
68.3 / 100 composite
A bank, insurer or asset manager — graded A–F vs. similar companies.

Company Description

Track Record

Showing latest 4 periods • Swipe for more
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Revenue 867.43M 785.99M 662.35M 537.00M 494.75M 491.26M 507.40M 464.80M 425.13M 399.20M 384.91M 378.46M
Net Income 169.24M 140.64M 118.78M 152.00M 154.88M 104.39M 121.02M 112.57M 82.15M 78.41M 76.42M 75.07M
EPS 3.34 2.98 2.67 3.54 3.57 2.39 2.76 2.58 1.89 1.81 1.74 1.71
Free Cash Flow 218.92M 176.82M 148.20M 176.21M 151.44M 137.12M 146.82M 140.37M 130.21M 106.20M 116.35M 78.81M
FCF / Share 4.65 3.75 3.33 4.11 3.49 3.14 3.35 3.22 3.00 2.45 2.65 1.80
Operating CF 235.22M 188.57M 157.46M 183.22M 159.19M 145.27M 153.46M 147.77M 136.90M 109.51M 124.54M 87.81M
Total Assets 16.00B 13.79B 13.31B 11.74B 12.01B 10.93B 9.72B 9.56B 9.14B 8.87B 8.26B 7.80B
Total Debt 327.42M 414.98M 637.39M 787.95M 311.48M 406.73M 820.68M 1.05B 909.19M 886.99M 674.12M 548.94M
Cash & Equiv 185.16M 284.06M 205.19M 197.35M 1.27B 672.68M 216.84M 180.96M 159.66M 149.18M 140.30M 146.64M
Book Value 1.90B 1.53B 1.43B 1.17B 1.25B 1.19B 1.12B 1.02B 958.18M 913.32M 882.00M 864.18M
Return on Equity 0.09 0.09 0.08 0.13 0.12 0.09 0.11 0.11 0.09 0.09 0.09 0.09
NBTB News
Bank of America Corp DE Has $6.89 Million Holdings in NBT Bancorp Inc. $NBTB
Aug 26, 2026 12:34 AM · defenseworld.net
NBT Bancorp Appears A Bit Pricey At The Moment
Aug 12, 2026 11:43 PM · seekingalpha.com
Executive Sells 9,000 Shares of Regional Bank, Valued at $486,400
Aug 06, 2026 12:45 PM · fool.com
NBT Bancorp Inc. $NBTB Shares Purchased by First Trust Advisors LP
Aug 05, 2026 12:09 AM · defenseworld.net
Fifth Third Bancorp Grows Stake in NBT Bancorp Inc. $NBTB
Jul 30, 2026 12:13 AM · defenseworld.net
Bank of New York Mellon Corp Has $19.29 Million Holdings in NBT Bancorp Inc. $NBTB
Jul 30, 2026 12:13 AM · defenseworld.net
NBT Bancorp Q2 Earnings Call Highlights
Jul 28, 2026 07:06 AM · marketbeat.com
Here's What Key Metrics Tell Us About NBT (NBTB) Q2 Earnings
Jul 27, 2026 04:01 PM · zacks.com
NBT Bancorp (NBTB) Lags Q2 Earnings and Revenue Estimates
Jul 27, 2026 03:06 PM · zacks.com
NBT Bancorp Inc. Announces Second Quarter 2026 Results and Approves an 8.1% Cash Dividend Increase
Jul 27, 2026 12:15 PM · globenewswire.com