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NBT Bancorp Inc (NBTB)
Price$44.60
Favorite Metrics
Price vs S&P 500 (26W)5.08%
Price vs S&P 500 (4W)4.69%
Market Capitalization$2.35B
P/E Ratio (Annual)13.87x
Indicated Dividend Yield (Annual)3.30%
All Metrics
P/CF (Annual)9.98x
Book Value / Share (Quarterly)$36.32
P/TBV (Annual)1.18x
Indicated Dividend (Annual)$1.48
Revenue Growth (3Y)1.48%
Cash Flow / Share (Quarterly)$4.19
Payout Ratio (TTM)42.90%
Price vs S&P 500 (YTD)5.47%
Net Profit Margin (TTM)24.09%
EPS (TTM)$3.31
10-Day Avg Trading Volume0.20M
EPS Excl Extra (TTM)$3.31
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)13.87x
Revenue Growth QoQ (YoY)38.18%
EPS Growth (5Y)6.99%
P/E Normalized (Annual)13.87x
ROA (Last FY)1.06%
Revenue Growth TTM (YoY)32.08%
EBITD / Share (TTM)$4.57
ROE (5Y Avg)10.36%
Operating Margin (TTM)31.04%
Cash Flow / Share (Annual)$4.19
P/B Ratio1.24x
P/B Ratio (Quarterly)1.15x
Net Income / Employee (Annual)$0
ROA (TTM)1.09%
EPS Growth QoQ (YoY)42.07%
EV / EBITDA (TTM)11.51x
EPS Incl Extra (Annual)$3.33
3-Month Avg Trading Volume0.23M
52-Week Price Return15.64%
EV / Free Cash Flow (Annual)12.22x
P/E Incl Extra (TTM)13.87x
Tangible BV / Share (Quarterly)$35.22
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 Return9.06%
13-Week Price Return5.55%
Total Debt / Equity (Annual)0.17x
Enterprise Value$2,674.532
Revenue / Share Growth (5Y)5.40%
Book Value / Share Growth (5Y)6.11%
Revenue / Employee (Annual)$282,779
Pretax Margin (Annual)37.88%
Cash / Share (Annual)$3.88
3-Month Return Std Dev26.06%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)10.22%
EBITDA Interim CAGR (5Y)9.71%
ROE (Last FY)8.92%
EPS Basic Excl Extra (Annual)$3.33
P/FCF (TTM)10.72x
EV / Free Cash Flow (TTM)12.22x
Total Debt / Equity (Quarterly)0.17x
EPS Incl Extra (TTM)$3.31
ROI (TTM)7.97%
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/E10.67x
Free OCF CAGR (5Y)9.81%
Price vs S&P 500 (52W)-14.19%
P/E Ratio (TTM)13.87x
EPS Growth TTM (YoY)11.96%
Year-to-Date Return8.12%
5-Day Price Return-1.97%
EPS Normalized (Annual)$3.33
ROA (5Y Avg)1.11%
Net Profit Margin (Annual)29.36%
Month-to-Date Return5.43%
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)9.98x
ROI (5Y Avg)7.66%
P/E Excl Extra (TTM)13.87x
LT Debt / Equity (Quarterly)0.09x
EPS Basic Excl Extra (TTM)$3.31
P/TBV (Quarterly)1.18x
Payout Ratio (Annual)42.90%
P/B Ratio (Annual)1.15x
Dividend / Share (TTM)$1.46
Pretax Margin (TTM)31.04%
Book Value / Share (Annual)$36.32
Price vs S&P 500 (13W)4.86%
Net Margin Growth (5Y)6.54%
Dividend Yield (TTM)3.09%
Beta0.53x
P/FCF (Annual)10.72x
Revenue / Share (TTM)$11.82
ROE (TTM)9.51%
52-Week Low$38.15
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
4.00
4.00
3.85
3.85
Industry Peers — National Banks(97)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | ROA (TTM) | Net Interest Coverage (TTM) | Price |
|---|---|---|---|---|---|
NBTBNBT Bancorp Inc | 1.15x | 9.51% | 1.09% | — | $44.60 |
JPMJPMorgan Chase & Co. | 2.17x | 16.32% | 1.28% | — | $309.95 |
BACBank of America Corporation | 1.16x | 10.50% | 0.92% | — | $53.51 |
WFCWells Fargo & Co. | 1.37x | 12.02% | 1.03% | — | $81.25 |
CCitigroup Inc. | 0.92x | 7.55% | 0.60% | — | $129.34 |
COFCapital One Financial | 1.36x | 2.44% | 0.40% | — | $200.71 |
MFGMizuho Financial Group, Inc. American Depositary Shares (Each representing one-fifth of an Ordinary Share) | 1.27x | 9.73% | 0.37% | — | $8.63 |
UBSUBS Group AG | 1.64x | 8.71% | 0.48% | — | $42.72 |
PNCPNC Financial Services Group | 1.35x | 11.88% | 1.23% | — | $220.07 |
USBU.S. Bancorp | 1.23x | 12.21% | 1.13% | — | $55.48 |
TFCTruist Financial Corporation | 0.97x | 8.15% | 0.98% | — | $49.43 |
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.