NBT Bancorp Statistics
Total Valuation
NBT Bancorp has a market cap or net worth of $2.82 billion. The enterprise value is $3.00 billion.
| Market Cap | 2.82B |
| Enterprise Value | 3.00B |
Important Dates
The last earnings date was Monday, July 27, 2026, after market close.
| Earnings Date | Jul 27, 2026 |
| Ex-Dividend Date | Sep 1, 2026 |
Share Statistics
NBT Bancorp has 52.01 million shares outstanding. The number of shares has increased by 8.56% in one year.
| Current Share Class | 52.01M |
| Shares Outstanding | 52.01M |
| Shares Change (YoY) | +8.56% |
| Shares Change (QoQ) | -0.22% |
| Owned by Insiders (%) | 1.90% |
| Owned by Institutions (%) | 65.00% |
| Float | 50.99M |
Valuation Ratios
The trailing PE ratio is 13.30 and the forward PE ratio is 12.21.
| PE Ratio | 13.30 |
| Forward PE | 12.21 |
| PS Ratio | 3.90 |
| Forward PS | 3.59 |
| PB Ratio | 1.45 |
| P/TBV Ratio | 1.96 |
| P/FCF Ratio | 12.31 |
| P/OCF Ratio | 11.46 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 14.00 |
| EV / Sales | 4.14 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 13.08 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 2.06 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 11.42%.
| Return on Equity (ROE) | 11.42% |
| Return on Assets (ROA) | 1.33% |
| 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 | $314,289 |
| Profits Per Employee | $92,988 |
| Employee Count | 2,303 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, NBT Bancorp has paid $63.16 million in taxes.
| Income Tax | 63.16M |
| Effective Tax Rate | 22.77% |
Stock Price Statistics
The stock price has increased by +30.84% in the last 52 weeks. The beta is 0.49, so NBT Bancorp's price volatility has been lower than the market average.
| Beta (5Y) | 0.49 |
| 52-Week Price Change | +30.84% |
| 50-Day Moving Average | 48.71 |
| 200-Day Moving Average | 44.40 |
| Relative Strength Index (RSI) | 73.06 |
| Average Volume (20 Days) | 417,138 |
Short Selling Information
The latest short interest is 1.79 million, so 3.44% of the outstanding shares have been sold short.
| Short Interest | 1.79M |
| Short Previous Month | 1.54M |
| Short % of Shares Out | 3.44% |
| Short % of Float | 3.51% |
| Short Ratio (days to cover) | 4.48 |
Income Statement
In the last 12 months, NBT Bancorp had revenue of $723.81 million and earned $214.15 million in profits. Earnings per share was $4.08.
| Revenue | 723.81M |
| Gross Profit | 723.81M |
| Operating Income | 302.30M |
| Pretax Income | 277.31M |
| Net Income | 214.15M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $4.08 |
Balance Sheet
The company has $294.65 million in cash and $471.20 million in debt, with a net cash position of -$176.54 million or -$3.39 per share.
| Cash & Cash Equivalents | 294.65M |
| Total Debt | 471.20M |
| Net Cash | -176.54M |
| Net Cash Per Share | -$3.39 |
| Equity (Book Value) | 1.94B |
| Book Value Per Share | 37.39 |
| Working Capital | -13.56B |
Cash 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 |
Margins
| Gross Margin | n/a |
| Operating Margin | 41.77% |
| Pretax Margin | 38.31% |
| Profit Margin | 29.59% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 32.91% |
Dividends & Yields
This stock pays an annual dividend of $1.60, which amounts to a dividend yield of 2.95%.
| Dividend Per Share | $1.60 |
| Dividend Yield | 2.95% |
| Dividend Growth (YoY) | 8.63% |
| Years of Dividend Growth | 13 |
| Payout Ratio | 39.21% |
| Buyback Yield | -8.56% |
| Shareholder Yield | -5.61% |
| Earnings Yield | 7.59% |
| FCF Yield | 8.12% |
Analyst Forecast
The average price target for NBT Bancorp is $53.33, which is -1.71% lower than the current price. The consensus rating is "Buy".
| Price Target | $53.33 |
| Price Target Difference | -1.71% |
| Analyst Consensus | Buy |
| Analyst Count | 7 |
| Revenue Growth Forecast (3Y) | n/a |
| EPS Growth Forecast (3Y) | 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 | 4 |