NBT Bancorp Inc (NBTB) Stock Price

NBTBStock

$50.85+28.38%52W

Market Cap$2.64B

P/E15.61x

PEG Ratio2.66

Div yield3.55%

Beta0.52

NBTB Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)2.62%

Price vs S&P 500 (4W)0.60%

PEG Ratio2.66

VGM Score50.91

P/E Ratio (Annual)15.61x

Indicated Dividend Yield (Annual)3.55%

P/CF (Annual)11.23x

Book Value / Share (Quarterly)$37.42

P/TBV (Annual)1.18x

Indicated Dividend (Annual)$1.60

Revenue Growth (3Y)1.48%

Cash Flow / Share (Quarterly)$4.73

Payout Ratio (TTM)36.04%

Price vs S&P 500 (YTD)10.54%

Net Profit Margin (TTM)24.09%

EPS (TTM)$4.09

10-Day Avg Trading Volume0.29M

EPS Excl Extra (TTM)$4.09

Revenue Growth (5Y)4.42%

EPS (Annual)$3.33

Dividend / Share (Annual)$1.46

ROI (Annual)7.61%

Net Profit Margin (5Y Avg)27.28%

Cash / Share (Quarterly)$4.53

P/E Basic Excl Extra (TTM)12.34x

Revenue Growth QoQ (YoY)38.18%

EPS Growth (5Y)6.99%

P/E Normalized (Annual)15.61x

ROA (Last FY)1.06%

Revenue Growth TTM (YoY)32.08%

EBITD / Share (TTM)$5.05

ROE (5Y Avg)10.36%

Operating Margin (TTM)31.04%

Cash Flow / Share (Annual)$4.19

P/B Ratio1.36x

P/B Ratio (Quarterly)1.32x

Net Income / Employee (Annual)$73,500

ROA (TTM)1.33%

EPS Growth QoQ (YoY)130.19%

EV / EBITDA (TTM)10.64x

EPS Incl Extra (Annual)$3.33

3-Month Avg Trading Volume0.35M

52-Week Price Return28.38%

EV / Free Cash Flow (Annual)14.22x

P/E Incl Extra (TTM)12.34x

Tangible BV / Share (Quarterly)$36.43

P/S Ratio (Annual)3.28x

52-Week High$54.50

EPS Excl Extra (Annual)$3.33

CapEx CAGR (5Y)14.73%

Tangible BV CAGR (5Y)9.35%

26-Week Price Return12.52%

13-Week Price Return-3.05%

Total Debt / Equity (Annual)0.17x

Enterprise Value$3.11B

Revenue / Share Growth (5Y)5.40%

Book Value / Share Growth (5Y)6.11%

Revenue / Employee (Annual)$282,778,800,000

Pretax Margin (Annual)37.88%

Cash / Share (Annual)$3.88

3-Month Return Std Dev16.09%

Net Income / Employee (TTM)$93,000

EBITDA CAGR (5Y)7.73%

EBITDA Interim CAGR (5Y)5.50%

ROE (Last FY)8.92%

EPS Basic Excl Extra (Annual)$3.33

P/FCF (TTM)10.76x

EV / Free Cash Flow (TTM)12.68x

Total Debt / Equity (Quarterly)0.24x

EPS Incl Extra (TTM)$4.09

ROI (TTM)9.49%

Dividend Growth Rate (5Y)6.37%

P/S Ratio (TTM)3.29x

Pretax Margin (5Y Avg)35.04%

Revenue / Share (Annual)$11.99

Tangible BV / Share (Annual)$35.22

Forward P/E11.55x

Free OCF CAGR (5Y)9.81%

Price vs S&P 500 (52W)12.84%

P/E Ratio (TTM)12.34x

EPS Growth TTM (YoY)47.67%

Year-to-Date Return22.47%

5-Day Price Return0.91%

EPS Normalized (Annual)$3.33

ROA (5Y Avg)1.11%

Net Profit Margin (Annual)29.36%

Month-to-Date Return1.38%

Cash Flow / Share (TTM)$3.16

EBITD / Share (Annual)$4.57

EPS Growth (3Y)-1.85%

Operating Margin (Annual)37.88%

LT Debt / Equity (Annual)0.09x

P/CF (TTM)10.10x

ROI (5Y Avg)7.66%

P/E Excl Extra (TTM)12.34x

LT Debt / Equity (Quarterly)0.08x

EPS Basic Excl Extra (TTM)$4.09

P/TBV (Quarterly)1.36x

Payout Ratio (Annual)42.90%

P/B Ratio (Annual)1.15x

Dividend / Share (TTM)$1.48

Pretax Margin (TTM)31.04%

Book Value / Share (Annual)$36.32

Price vs S&P 500 (13W)-5.74%

Net Margin Growth (5Y)6.54%

Dividend Yield (TTM)2.92%

Beta0.52x

P/FCF (Annual)12.07x

Revenue / Share (TTM)$11.82

ROE (TTM)11.26%

52-Week Low$39.44

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NBTB Earnings Surprise History

Quarter	Report date	EPS estimate	EPS actual	Surprise
Q2 2026	Jul 27, 2026	$1.02	$1.01	-1.26%(-$0.01)
Q1 2026	Apr 23, 2026	$0.98	$0.97	-0.73%(-$0.01)
Q4 2025	Jan 26, 2026	$0.98	$1.05	+6.60%(+$0.07)
Q3 2025	Oct 27, 2025	$0.97	$1.05	+8.43%(+$0.08)
Q2 2025	Jul 28, 2025	$0.83	$0.88	+6.39%(+$0.05)

NBTB Analyst Recommendations

Jun 2026

Jul 2026

Aug 2026

Sep 2026

3.85

3.69

Industry Peers — National Banks(118)

Symbol	Value Score	Growth Score	Momentum Score	P/B Ratio (Quarterly)	ROE (TTM)	ROA (TTM)	Net Interest Coverage (TTM)	Price
NBTBNBT Bancorp Inc	C	C	C	1.3x	11.3%	1.3%	—	$50.85
JPMJPMorgan Chase & Co.	D	C	C	2.4x	17.9%	1.4%	—	$339.72
BACBank of America Corporation	C	C	F	1.3x	10.7%	0.9%	—	$51.23
WFCWells Fargo & Co.	C	C	D	1.4x	12.8%	1.0%	—	$83.87
CCitigroup Inc.	B	C	D	1.0x	9.2%	0.7%	—	$124.26
UBSUBS Group AG	D	C	C	1.8x	10.5%	0.6%	—	$47.68
COFCapital One Financial	B	D	D	1.1x	9.3%	1.6%	—	$201.74
MFGMizuho Financial Group, Inc. American Depositary Shares (Each representing one-fifth of an Ordinary Share)	D	B	B	1.6x	12.3%	0.5%	—	$10.17
USBU.S. Bancorp	B	C	C	1.4x	12.6%	1.2%	—	$58.73
PNCPNC Financial Services Group	C	C	D	1.4x	12.6%	1.3%	—	$217.39
TFCTruist Financial Corporation	B	C	D	0.9x	8.1%	0.9%	—	$47.07
SHGShinhan Financial Group Co Ltd	A	C	F	0.8x	9.2%	0.7%	—	$70.31
HBANHuntington Bancshares Inc	C	C	F	1.1x	8.6%	0.9%	—	$15.27
RFRegions Financial Corp.	C	D	D	1.3x	12.3%	1.4%	—	$27.45
KEYKeyCorp	C	C	D	1.3x	10.1%	1.1%	—	$19.99
PNFPPinnacle Financial Partners, Inc.	C	B	D	1.0x	7.6%	0.9%	—	$94.72
FHNFirst Horizon Corporation	C	B	D	1.3x	11.7%	1.3%	—	$22.88
UMBFUMB Financial Corp	C	B	D	1.4x	12.2%	1.3%	—	$131.10
CFRCullen/Frost Bankers Inc.	D	C	C	2.1x	15.0%	1.3%	—	$155.05
ONBOld National Bancorp	C	B	C	1.2x	10.5%	1.2%	—	$25.01
ZIONZions Bancorporation N.A.	A	C	C	1.3x	16.1%	1.3%	—	$63.37
BOKFBOK Financial Corp	B	C	D	1.4x	10.8%	1.2%	—	$124.83
VLYValley National Bancorp	B	B	D	1.0x	8.9%	1.1%	—	$12.66
FNBF.N.B. Corp	B	C	D	1.0x	8.9%	1.2%	—	$17.23
FULTFulton Financial Corp	B	C	C	1.2x	11.2%	1.2%	—	$22.40
WSFSWSFS Financial Corp	D	B	B	1.5x	11.7%	1.5%	—	$76.35
BANFBancfirst Corp	D	C	D	1.9x	13.4%	1.7%	—	$109.03
WSBCWesBanco Inc	B	B	C	0.9x	8.7%	1.3%	—	$37.22
NICNicolet Bankshares,Inc.	F	C	C	1.5x	8.8%	1.3%	—	$163.80
FFBCFirst Financial Bancorp	B	B	C	1.2x	10.1%	1.3%	—	$31.48
PRKPark National Corporation	D	D	C	1.9x	12.4%	1.7%	—	$178.65
SFNCSimmons First National Corp	B	C	C	1.0x	7.6%	1.1%	—	$22.07
CBUCommunity Financial System, Inc.	D	D	D	1.7x	11.3%	1.3%	—	$60.24
BANCBanc of California, Inc.	B	C	F	1.0x	-0.6%	-0.1%	—	$17.18
TRMKTrustmark Corp	C	C	C	1.3x	11.0%	1.2%	—	$44.90
FRMEFirst Merchants Corp	B	C	D	1.0x	7.3%	0.9%	—	$39.60
NWBINorthwest Bancshares, Inc	C	D	C	1.2x	8.1%	0.9%	—	$14.93
WAFDWaFd, Inc. Common Stock	B	C	F	0.7x	8.5%	0.9%	—	$29.15
FCFFirst Commonwealth Financial Corporation	C	C	B	1.3x	10.8%	1.4%	—	$20.34
TBBKThe Bancorp Inc.	C	B	F	3.7x	32.3%	2.5%	—	$49.60
CHCOCity Holding Co	D	D	B	2.3x	16.4%	2.0%	—	$141.69
HOPEHope Bancorp, Inc.	B	C	C	0.8x	5.7%	0.7%	—	$13.43
DCOMDime Commercial Bancshares, Inc.	C	B	B	0.9x	7.7%	0.8%	—	$38.83
NBHCNATIONAL BANK HOLDINGS CORP.	C	C	F	1.2x	6.5%	0.9%	—	$37.92
FSUNFirstSun Capital Bancorp Common Stock	B	F	C	0.9x	3.5%	0.5%	—	$37.95
BFCBank First Corporation Common Stock	F	B	C	2.0x	11.1%	1.6%	—	$147.70
OCFCOceanFirst Financial Corp	C	C	F	0.8x	2.6%	0.3%	—	$15.83
CASHPathward Financial, Inc. Common Stock	B	C	D	2.2x	20.6%	2.4%	—	$72.93
WABCWestamerica Bancorporation	D	D	B	1.7x	12.8%	1.9%	—	$61.28
BHRBBurke & Herbert Financial Services Corp. Common Stock	D	D	C	1.2x	10.4%	1.1%	—	$69.69
AMTBAmerant Bancorp Inc.	C	C	A	1.1x	6.1%	0.6%	—	$28.96

About NBT Bancorp Inc

NBT Bancorp is a financial holding company that provides commercial banking, retail banking, and wealth management services primarily through subsidiary NBT Bank. The company operates across a network of markets spanning upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central Connecticut. Revenue is generated principally from its Banking segment, with additional contributions from Retirement Plan Administration services.

NBTB Next Earnings Report

Report dateOct 27, 2026

QuarterQ3 2026

Report timeAMC

EPS estimate$1.09

Revenue estimate$193.83M

Also reporting on Oct 27, 2026

Scheduled date with consensus estimates — both can change before the company reports.

Earnings calendar for October 2026

NBTB Insider Transactions

SellJul 29, 2026
HALLIDAY SARAH A.
Officer
Shares: 9,000Value: $486,401
SellJul 29, 2026
MAHONEY RUTH H.
Officer
Shares: 4,500Value: $244,350

Open-market buys and sells filed with the SEC over the last 90 days. Grants, gifts and option exercises are excluded.

All insider transactions for July 2026

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FBKFB Financial CorporationState Banks
CUBICUSTOMERS BANCORP INCState Banks
FBNCFirst Bancorp/NCState Banks

Same SIC sector, outside this company's own industry.

Analyst Sentiment

3.7

Buy

Consensus rating

52-Week Range

Low$39.44

High$54.50