NBT Bancorp Inc (NBTB)

Price$45.51

Value ScoreC

Growth ScoreC

Momentum ScoreC

Favorite Metrics

Price vs S&P 500 (26W)-0.21%

Price vs S&P 500 (4W)-0.38%

VGM Score44.43

Market Capitalization$2.40B

P/E Ratio (Annual)14.21x

Indicated Dividend Yield (Annual)3.20%

All Metrics

P/CF (Annual)10.22x

Book Value / Share (Quarterly)$36.81

P/TBV (Annual)1.18x

Indicated Dividend (Annual)$1.48

Revenue Growth (3Y)1.48%

Cash Flow / Share (Quarterly)$4.41

Payout Ratio (TTM)41.26%

Price vs S&P 500 (YTD)0.43%

Net Profit Margin (TTM)24.09%

EPS (TTM)$3.51

10-Day Avg Trading Volume0.28M

EPS Excl Extra (TTM)$3.51

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)13.10x

Revenue Growth QoQ (YoY)38.18%

EPS Growth (5Y)6.99%

P/E Normalized (Annual)14.21x

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 Ratio1.26x

P/B Ratio (Quarterly)1.16x

Net Income / Employee (Annual)$73,500

ROA (TTM)1.14%

EPS Growth QoQ (YoY)26.21%

EV / EBITDA (TTM)10.64x

EPS Incl Extra (Annual)$3.33

3-Month Avg Trading Volume0.26M

52-Week Price Return9.99%

EV / Free Cash Flow (Annual)12.34x

P/E Incl Extra (TTM)13.10x

Tangible BV / Share (Quarterly)$35.76

P/S Ratio (Annual)3.28x

52-Week High$46.92

EPS Excl Extra (Annual)$3.33

CapEx CAGR (5Y)14.73%

Tangible BV CAGR (5Y)9.35%

26-Week Price Return15.72%

13-Week Price Return4.03%

Total Debt / Equity (Annual)0.17x

Enterprise Value$2.70B

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 Dev21.65%

Net Income / Employee (TTM)$79,700

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)10.49x

EV / Free Cash Flow (TTM)11.79x

Total Debt / Equity (Quarterly)0.16x

EPS Incl Extra (TTM)$3.51

ROI (TTM)8.32%

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/E10.72x

Free OCF CAGR (5Y)9.81%

Price vs S&P 500 (52W)-18.22%

P/E Ratio (TTM)13.10x

EPS Growth TTM (YoY)16.45%

Year-to-Date Return11.37%

5-Day Price Return0.67%

EPS Normalized (Annual)$3.33

ROA (5Y Avg)1.11%

Net Profit Margin (Annual)29.36%

Month-to-Date Return5.84%

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)9.77x

ROI (5Y Avg)7.66%

P/E Excl Extra (TTM)13.10x

LT Debt / Equity (Quarterly)0.09x

EPS Basic Excl Extra (TTM)$3.51

P/TBV (Quarterly)1.19x

Payout Ratio (Annual)42.90%

P/B Ratio (Annual)1.15x

Dividend / Share (TTM)$1.53

Pretax Margin (TTM)31.04%

Book Value / Share (Annual)$36.32

Price vs S&P 500 (13W)-5.72%

Net Margin Growth (5Y)6.54%

Dividend Yield (TTM)3.15%

Beta0.52x

P/FCF (Annual)10.99x

Revenue / Share (TTM)$11.82

ROE (TTM)9.83%

52-Week Low$39.20

vGradeC

gGradeC

mGradeC

vgmGradeC

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Earnings Surprise History

Q1 260.97est. 1.00

Analyst Recommendations

Feb 2026

Mar 2026

Apr 2026

May 2026

4.00

3.85

Industry Peers — National Banks(117)

Symbol	Value Score	Growth Score	Momentum Score	Price
NBTBNBT Bancorp Inc	C	C	C	$45.51
JPMJPMorgan Chase & Co.	D	C	D	$296.58
BACBank of America Corporation	C	C	D	$51.51
WFCWells Fargo & Co.	D	C	D	$77.17
CCitigroup Inc.	C	C	A	$129.09
COFCapital One Financial	C	D	F	$184.56
UBSUBS Group AG	C	C	B	$47.99
MFGMizuho Financial Group, Inc. American Depositary Shares (Each representing one-fifth of an Ordinary Share)	D	B	B	$9.03
PNCPNC Financial Services Group	C	C	C	$216.07
USBU.S. Bancorp	C	C	C	$53.55
TFCTruist Financial Corporation	B	C	D	$46.87

About

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.