NBT Bancorp Statistics
Total Valuation
NBT Bancorp has a market cap or net worth of $2.29 billion. The enterprise value is $1.87 billion.
Important Dates
The last earnings date was Thursday, April 23, 2026, after market close.
| Earnings Date | Apr 23, 2026 |
| Ex-Dividend Date | Mar 2, 2026 |
Share Statistics
NBT Bancorp has 52.01 million shares outstanding. The number of shares has increased by 9.77% in one year.
| Current Share Class | 52.01M |
| Shares Outstanding | 52.01M |
| Shares Change (YoY) | +9.77% |
| Shares Change (QoQ) | -0.33% |
| Owned by Insiders (%) | 1.92% |
| Owned by Institutions (%) | 64.39% |
| Float | 50.98M |
Valuation Ratios
The trailing PE ratio is 12.47 and the forward PE ratio is 10.28.
| PE Ratio | 12.47 |
| Forward PE | 10.28 |
| PS Ratio | 3.29 |
| Forward PS | 2.90 |
| PB Ratio | 1.20 |
| P/TBV Ratio | 1.63 |
| P/FCF Ratio | 10.00 |
| P/OCF Ratio | 9.31 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 10.21 |
| EV / Sales | 2.69 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 8.18 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 1.59 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 10.55%.
| Return on Equity (ROE) | 10.55% |
| Return on Assets (ROA) | 1.22% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 5.94% |
| Revenue Per Employee | $302,462 |
| Profits Per Employee | $79,736 |
| Employee Count | 2,303 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, NBT Bancorp has paid $55.27 million in taxes.
| Income Tax | 55.27M |
| Effective Tax Rate | 23.13% |
Stock Price Statistics
The stock price has decreased by -0.81% in the last 52 weeks. The beta is 0.48, so NBT Bancorp's price volatility has been lower than the market average.
| Beta (5Y) | 0.48 |
| 52-Week Price Change | -0.81% |
| 50-Day Moving Average | 43.52 |
| 200-Day Moving Average | 42.88 |
| Relative Strength Index (RSI) | 47.36 |
| Average Volume (20 Days) | 309,564 |
Short Selling Information
The latest short interest is 1.20 million, so 2.32% of the outstanding shares have been sold short.
| Short Interest | 1.20M |
| Short Previous Month | 1.01M |
| Short % of Shares Out | 2.32% |
| Short % of Float | 2.36% |
| Short Ratio (days to cover) | 5.11 |
Income Statement
In the last 12 months, NBT Bancorp had revenue of $696.57 million and earned $183.63 million in profits. Earnings per share was $3.54.
| Revenue | 696.57M |
| Gross Profit | 696.57M |
| Operating Income | 281.19M |
| Pretax Income | 238.90M |
| Net Income | 183.63M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $3.54 |
Full Income StatementBalance Sheet
The company has $784.30 million in cash and $365.59 million in debt, with a net cash position of $418.71 million or $8.05 per share.
| Cash & Cash Equivalents | 784.30M |
| Total Debt | 365.59M |
| Net Cash | 418.71M |
| Net Cash Per Share | $8.05 |
| Equity (Book Value) | 1.91B |
| Book Value Per Share | 36.81 |
| Working Capital | -13.09B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $246.25 million and capital expenditures -$17.02 million, giving a free cash flow of $229.23 million.
| Operating Cash Flow | 246.25M |
| Capital Expenditures | -17.02M |
| Depreciation & Amortization | n/a |
| Net Borrowing | -130.44M |
| Free Cash Flow | 229.23M |
| FCF Per Share | $4.41 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 40.37% |
| Pretax Margin | 34.30% |
| Profit Margin | 26.36% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 32.91% |
Dividends & Yields
This stock pays an annual dividend of $1.48, which amounts to a dividend yield of 3.36%.
| Dividend Per Share | $1.48 |
| Dividend Yield | 3.36% |
| Dividend Growth (YoY) | 8.21% |
| Years of Dividend Growth | 13 |
| Payout Ratio | 41.02% |
| Buyback Yield | -9.77% |
| Shareholder Yield | -6.41% |
| Earnings Yield | 8.01% |
| FCF Yield | 10.00% |
Dividend DetailsAnalyst Forecast
The average price target for NBT Bancorp is $51.33, which is 16.42% higher than the current price. The consensus rating is "Strong Buy".
| Price Target | $51.33 |
| Price Target Difference | 16.42% |
| Analyst Consensus | Strong 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 |
