NBTB
NBT Bancorp Inc
NASDAQ: NBTB · FINANCIAL SERVICES · BANKS - REGIONAL
$45.59
+1.15% today
Updated 2026-05-08
Market cap
$2.35B
P/E ratio
12.73
P/S ratio
3.38x
EPS (TTM)
$3.54
Dividend yield
3.21%
52W range
$39 – $47
Volume
0.3M
WallStSmart proprietary scores
74
out of 100
Grade: B
Buy
Investment rating
8.0
Growth
A7.8
Quality
B+7.5
Profitability
B+5.0
Valuation
C+4/9
Piotroski F-Score
Moderate
—
Altman Z-Score
—
—
Industry rank
—
View all highly rated stocks (75+) →194 stocks currently score above 75
Price targets
Analyst target
$48.92
+7.30%
12-Month target
$53.08
+16.43%
Intrinsic (DCF)
—
Margin of safety
—
1 Strong Buy2 Buy4 Hold0 Sell0 Strong Sell
Price chart
Stock snapshot
Strengths
+ Profit margin 26.40% — above average
+ Free cash flow $53.04M — positive
+ Revenue growth 21.60% QoQ
+ Debt/equity 0.10x — low leverage
Risks
No major risks identified
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $537.00M | $662.35M | $785.99M | $867.43M | $696.57M |
| Net income | $152.00M | $118.78M | $140.64M | $169.24M | $51.14M |
| EPS | — | — | — | — | $3.54 |
| Free cash flow | $176.21M | $148.20M | $176.82M | $218.92M | $53.04M |
| Profit margin | 28.30% | 17.93% | 17.89% | 19.51% | 26.40% |
Peer comparison
Smart narrative
NBT Bancorp Inc trades at $45.59. representing a P/E of 12.73x trailing earnings. Our Smart Value Score of 74/100 indicates the stock is good. The company scores 4/9 on the Piotroski F-Score. TTM revenue stands at $696.57M. with profit margins at 26.40%.
Frequently asked questions
What is NBT Bancorp Inc's stock price?
NBT Bancorp Inc (NBTB) trades at $45.59.
Is NBT Bancorp Inc overvalued?
Smart Value Score 74/100 (Grade B, Buy).
What is the price target of NBT Bancorp Inc (NBTB)?
The analyst target price is $48.92, representing +7.3% upside from the current price of $45.59.
What is NBT Bancorp Inc's revenue?
TTM revenue is $696.57M.
Piotroski F-Score?
4/9 — moderate financial health.
Company info
SectorFINANCIAL SERVICES
IndustryBANKS - REGIONAL
CountryUSA
ExchangeNASDAQ
CurrencyUSD
Quick metrics
P/S ratio3.38x
ROE10.50%
Beta0.48
50D MA$43.32
200D MA$42.80
Shares out0.05B
Float0.05B
Short ratio—
Avg volume0.3M
Performance
1 week—
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