NBT Bancorp Statistics
Total Valuation
NBT Bancorp has a market cap or net worth of $2.17 billion. The enterprise value is $1.85 billion.
Important Dates
The last earnings date was Monday, October 27, 2025, after market close.
| Earnings Date | Oct 27, 2025 |
| Ex-Dividend Date | Dec 1, 2025 |
Share Statistics
NBT Bancorp has 52.32 million shares outstanding. The number of shares has increased by 4.67% in one year.
| Current Share Class | 52.32M |
| Shares Outstanding | 52.32M |
| Shares Change (YoY) | +4.67% |
| Shares Change (QoQ) | +3.65% |
| Owned by Insiders (%) | 2.57% |
| Owned by Institutions (%) | 64.61% |
| Float | 50.95M |
Valuation Ratios
The trailing PE ratio is 13.73 and the forward PE ratio is 10.10.
| PE Ratio | 13.73 |
| Forward PE | 10.10 |
| PS Ratio | 3.25 |
| Forward PS | 2.83 |
| PB Ratio | 1.17 |
| P/TBV Ratio | 1.62 |
| P/FCF Ratio | 10.72 |
| P/OCF Ratio | 9.94 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 12.34 |
| EV / Sales | 2.93 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 9.13 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 1.93 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 8.87%.
| Return on Equity (ROE) | 8.87% |
| Return on Assets (ROA) | 1.00% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $302,318 |
| Profits Per Employee | $71,882 |
| Employee Count | 2,083 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, NBT Bancorp has paid $45.57 million in taxes.
| Income Tax | 45.57M |
| Effective Tax Rate | 23.33% |
Stock Price Statistics
The stock price has decreased by -17.21% in the last 52 weeks. The beta is 0.52, so NBT Bancorp's price volatility has been lower than the market average.
| Beta (5Y) | 0.52 |
| 52-Week Price Change | -17.21% |
| 50-Day Moving Average | 41.16 |
| 200-Day Moving Average | 42.42 |
| Relative Strength Index (RSI) | 52.71 |
| Average Volume (20 Days) | 225,908 |
Short Selling Information
The latest short interest is 997,620, so 1.91% of the outstanding shares have been sold short.
| Short Interest | 997,620 |
| Short Previous Month | 960,593 |
| Short % of Shares Out | 1.91% |
| Short % of Float | 1.96% |
| Short Ratio (days to cover) | 4.43 |
Income Statement
In the last 12 months, NBT Bancorp had revenue of $629.73 million and earned $149.73 million in profits. Earnings per share was $3.02.
| Revenue | 629.73M |
| Gross Profit | 629.73M |
| Operating Income | 236.34M |
| Pretax Income | 195.30M |
| Net Income | 149.73M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $3.02 |
Full Income StatementBalance Sheet
The company has $710.64 million in cash and $389.60 million in debt, giving a net cash position of $321.03 million or $6.14 per share.
| Cash & Cash Equivalents | 710.64M |
| Total Debt | 389.60M |
| Net Cash | 321.03M |
| Net Cash Per Share | $6.14 |
| Equity (Book Value) | 1.85B |
| Book Value Per Share | 35.33 |
| Working Capital | -13.10B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $218.24 million and capital expenditures -$15.90 million, giving a free cash flow of $202.34 million.
| Operating Cash Flow | 218.24M |
| Capital Expenditures | -15.90M |
| Free Cash Flow | 202.34M |
| FCF Per Share | $3.87 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 37.53% |
| Pretax Margin | 31.01% |
| Profit Margin | 23.78% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 32.13% |
Dividends & Yields
This stock pays an annual dividend of $1.48, which amounts to a dividend yield of 3.57%.
| Dividend Per Share | $1.48 |
| Dividend Yield | 3.57% |
| Dividend Growth (YoY) | 7.58% |
| Years of Dividend Growth | 12 |
| Payout Ratio | 47.02% |
| Buyback Yield | -4.67% |
| Shareholder Yield | -1.10% |
| Earnings Yield | 6.90% |
| FCF Yield | 9.33% |
Dividend DetailsAnalyst Forecast
The average price target for NBT Bancorp is $52.33, which is 26.22% higher than the current price. The consensus rating is "Buy".
| Price Target | $52.33 |
| Price Target Difference | 26.22% |
| Analyst Consensus | Buy |
| Analyst Count | 3 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside | |
Stock Splits
The last stock split was on November 29, 1999. It was a forward split with a ratio of 1.05:1.
| Last Split Date | Nov 29, 1999 |
| Split Type | Forward |
| Split Ratio | 1.05:1 |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 4 |
