NBT Bancorp Inc. (NBTB)

NBT Bancorp Statistics

Total Valuation

NBT Bancorp has a market cap or net worth of $2.18 billion. The enterprise value is $1.86 billion.

Market Cap	2.18B
Enterprise Value	1.86B

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	52.39M
Shares Outstanding	52.32M
Shares Change (YoY)	+4.67%
Shares Change (QoQ)	+3.65%
Owned by Insiders (%)	2.58%
Owned by Institutions (%)	65.39%
Float	51.03M

Valuation Ratios

The trailing PE ratio is 13.78 and the forward PE ratio is 10.14.

PE Ratio	13.78
Forward PE	10.14
PS Ratio	3.26
Forward PS	2.80
PB Ratio	1.18
P/TBV Ratio	1.63
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	12.40
EV / Sales	2.95
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
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 -18.07% 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	-18.07%
50-Day Moving Average	41.88
200-Day Moving Average	42.91
Relative Strength Index (RSI)	53.32
Average Volume (20 Days)	232,946

Short Selling Information

The latest short interest is 1.05 million, so 2.00% of the outstanding shares have been sold short.

Short Interest	1.05M
Short Previous Month	986,914
Short % of Shares Out	2.00%
Short % of Float	2.05%
Short Ratio (days to cover)	5.37

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	235.75M
Pretax Income	195.30M
Net Income	149.73M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$3.02

Balance Sheet

The company has $640.24 million in cash and $319.36 million in debt, giving a net cash position of $320.88 million or $6.13 per share.

Cash & Cash Equivalents	640.24M
Total Debt	319.36M
Net Cash	320.88M
Net Cash Per Share	$6.13
Equity (Book Value)	1.85B
Book Value Per Share	35.38
Working Capital	-13.16B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	37.44%
Pretax Margin	31.01%
Profit Margin	23.78%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $1.48, which amounts to a dividend yield of 3.56%.

Dividend Per Share	$1.48
Dividend Yield	3.56%
Dividend Growth (YoY)	7.58%
Years of Dividend Growth	12
Payout Ratio	47.02%
Buyback Yield	-4.67%
Shareholder Yield	-1.11%
Earnings Yield	6.88%
FCF Yield	n/a

Analyst Forecast

The average price target for NBT Bancorp is $52.33, which is 25.76% higher than the current price. The consensus rating is "Buy".

Price Target	$52.33
Price Target Difference	25.76%
Analyst Consensus	Buy
Analyst Count	3
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair 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	2