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NBT Bancorp Inc.

Data quality: 100%
NBTB
NASDAQ Financial Services Banks - Regional
$41.99
▲ $1.28 (3.14%)
Mkt Cap: 2.19B
Day Range
$41.57 $42.61
52-Week Range
$37.31 $46.92
Volume
292,343
50D / 200D Avg
$43.62 / $42.49
Prev Close
$40.71

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (854 peers)

Metric Stock Sector Median
P/E 13.0 10.3
P/B 1.2 1.1
ROE % 9.9 11.7
Net Margin % 19.5 16.8
Rev Growth 5Y % 15.1 11.7
D/E 0.2 0.5

Analyst Price Target

Hold
$47.00 +11.9%
Forward P/E
10.0
Forward EPS
$4.19
EPS Growth (est.)
+0.0%
Est. Revenue
760 M

Earnings Estimates

Period EPS Est. Revenue Est. Analysts
FY2027 $4.58
$4.39 – $4.73
810 M 6
FY2026 $4.19
$4.07 – $4.29
760 M 6

Key Takeaways

Revenue grew 15.07% annually over 5 years — strong growth
Earnings grew 20.33% over the past year
Net margin of 19.51% shows strong profitability
Debt/Equity of 0.17 — conservative balance sheet
Generating 218.92M in free cash flow
P/E of 12.95 — trading at a low valuation

Growth

Revenue Growth (5Y)
15.07%
Revenue (1Y)10.36%
Earnings (1Y)20.33%
FCF Growth (3Y)21.54%

Quality

Return on Equity
9.89%
ROIC7.40%
Net Margin19.51%
Op. Margin25.30%

Safety

Debt / Equity
0.17
Current Ratio1.60
Interest Coverage1.05

Valuation

P/E Ratio
12.95
P/B Ratio1.16
EV/EBITDA10.64
Dividend Yield0.04%

All Fundamental Metrics

Growth
Revenue Growth (1Y) 10.36% Revenue Growth (3Y) 14.44%
Earnings Growth (1Y) 20.33% Earnings Growth (3Y) 19.36%
Revenue Growth (5Y) 15.07% Earnings Growth (5Y) 2.24%
Profitability
Revenue (TTM) 867.43M Net Income (TTM) 169.24M
ROE 9.89% ROA 1.06%
Gross Margin 72.14% Operating Margin 25.30%
Net Margin 19.51% Free Cash Flow (TTM) 218.92M
ROIC 7.40% FCF Growth (3Y) 21.54%
Safety
Debt / Equity 0.17 Current Ratio 1.60
Interest Coverage 1.05 Dividend Yield 0.04%
Valuation
P/E Ratio 12.95 P/B Ratio 1.16
P/S Ratio 2.53 PEG Ratio 0.96
EV/EBITDA 10.64 Dividend Yield 0.04%
Market Cap 2.19B Enterprise Value 2.33B

Income Statement

Annual, most recent first

Income statement data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 867.43M 785.99M 662.35M 537.00M 494.76M
Net Income 169.24M 140.64M 118.78M 152.00M 154.89M
EPS (Diluted) 3.33 2.96 2.65 3.52 3.54
Gross Profit 625.73M 554.83M 492.51M 497.97M 484.22M
Operating Income 219.44M 179.46M 153.46M 196.16M 199.86M

Balance Sheet

Annual, most recent first

Balance sheet data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 16.00B 13.79B 13.31B 11.74B 12.01B
Total Liabilities 14.10B 12.26B 11.88B 10.57B 10.76B
Shareholders' Equity 1.90B 1.53B 1.43B 1.17B 1.25B
Total Debt 327.42M 414.98M 637.39M 787.95M 311.48M
Cash & Equivalents 185.16M 284.06M 205.19M 197.35M 1.27B
Current Assets 237.16M 420.42M 1.64B 1.72B 2.96B
Current Liabilities 148.07M 11.71B 11.36B 10.08B 10.33B

Strategy Scores

This stock passed the criteria for 2 strategies

Score = fit strength (0–100)
Rank = position among all matches
#788 of 1024
31
#308 of 326
24

Recent Activity

Entered Cash Flow Compounder
Mar 24, 2026
Entered Growth at a Reasonable Price (Peter Lynch)
Mar 24, 2026