NBT Bancorp Inc.
NBTB
NASDAQ·Financial Services·Banks - Regional·Mkt cap $2.7B
$52.27
▲ +1.24%
P/E
12.78
Mkt Cap
$2.7B
52-Wk Range
$39.20–$54.50
52-Week Range
$39.20 - $54.50
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 18.7% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
5 reasons
- Established regional presence with 140 branches across 7 northeastern states and 165+ years of market history
- Diversified revenue streams across lending, deposits, wealth management, and insurance reducing earnings volatility
- Strong community relationships and local market expertise enabling competitive lending advantages in regional markets
- Comprehensive digital banking platform (24-hour online, mobile, telephone) meeting modern customer expectations
- Integrated financial services model providing cross-selling opportunities and customer stickiness
Bear Case
1 risk
- Low volatility (beta 0.5).
Growth
Revenue decline expected
Organic loan portfolio growth through commercial and real estate lending in growing Northeast markets
Value
Valued in line with Commercial Banking peers (1.1x).
Momentum
Strong
+12.6% over 3m
Quality
Excellent
High-growth business (45% revenue growth, 77% gross margin). Profitable with strong growth momentum.
Dividend
Solid
2.89% yield
Smart-money signal
Who's buying NBTB right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Recent earnings results
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Oct 26, 2026
JUL 27, 2026
Reported EPS of $1.01 vs $1.02 consensus (-1.0% surprise). Revenue of $186.7M vs $188.8M expected (-1.1%).
EPS surprise · last 4Q
0 of 1 beats
Estimate
Actual
Q3 26
-1.0%
Revenue trend · last 8Q
—
+8%
+10%
+22%
+25%
+25%
+51%
-17%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$146.9M
$147.9M
$154.0M
$170.7M
$238.8M
$238.2M
$232.8M
$185.8M
Margins · last 8Q
Gross
0.0%
Operating
0.0%
Profit
28.6%
Wall Street consensus
3 analysts · 100% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
100%
Hold
0%
Sell
0%
Median Price Target
—
Latest: Stephens · Jul 30, 2026
vs Industry
How NBTB stacks vs Banks - Regional
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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