NBT Bancorp Inc. (NBTB)

NBT Bancorp Statistics

Total Valuation

NBT Bancorp has a market cap or net worth of $2.44 billion. The enterprise value is $2.28 billion.

Market Cap	2.44B
Enterprise Value	2.28B

Important Dates

The last earnings date was Monday, January 26, 2026, after market close.

Earnings Date	Jan 26, 2026
Ex-Dividend Date	Mar 2, 2026

Share Statistics

NBT Bancorp has 52.32 million shares outstanding. The number of shares has increased by 7.26% in one year.

Current Share Class	52.32M
Shares Outstanding	52.32M
Shares Change (YoY)	+7.26%
Shares Change (QoQ)	-0.23%
Owned by Insiders (%)	2.59%
Owned by Institutions (%)	64.70%
Float	50.94M

Valuation Ratios

The trailing PE ratio is 14.01 and the forward PE ratio is 11.08.

PE Ratio	14.01
Forward PE	11.08
PS Ratio	3.48
Forward PS	3.12
PB Ratio	1.29
P/TBV Ratio	1.76
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	13.48
EV / Sales	3.36
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 9.89%.

Return on Equity (ROE)	9.89%
Return on Assets (ROA)	1.14%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	6.17%
Revenue Per Employee	$325,655
Profits Per Employee	$81,246
Employee Count	2,083
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, NBT Bancorp has paid $50.21 million in taxes.

Income Tax	50.21M
Effective Tax Rate	22.88%

Stock Price Statistics

The stock price has decreased by -3.58% in the last 52 weeks. The beta is 0.50, so NBT Bancorp's price volatility has been lower than the market average.

Beta (5Y)	0.50
52-Week Price Change	-3.58%
50-Day Moving Average	43.30
200-Day Moving Average	42.42
Relative Strength Index (RSI)	66.05
Average Volume (20 Days)	222,043

Short Selling Information

The latest short interest is 804,562, so 1.54% of the outstanding shares have been sold short.

Short Interest	804,562
Short Previous Month	870,091
Short % of Shares Out	1.54%
Short % of Float	1.58%
Short Ratio (days to cover)	3.66

Income Statement

In the last 12 months, NBT Bancorp had revenue of $678.34 million and earned $169.24 million in profits. Earnings per share was $3.33.

Revenue	678.34M
Gross Profit	678.34M
Operating Income	264.47M
Pretax Income	219.44M
Net Income	169.24M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$3.33

Balance Sheet

The company has $487.12 million in cash and $327.42 million in debt, with a net cash position of $159.69 million or $3.05 per share.

Cash & Cash Equivalents	487.12M
Total Debt	327.42M
Net Cash	159.69M
Net Cash Per Share	$3.05
Equity (Book Value)	1.90B
Book Value Per Share	36.21
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	38.99%
Pretax Margin	32.35%
Profit Margin	24.95%
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 3.17%.

Dividend Per Share	$1.48
Dividend Yield	3.17%
Dividend Growth (YoY)	8.21%
Years of Dividend Growth	13
Payout Ratio	43.54%
Buyback Yield	-7.26%
Shareholder Yield	-4.08%
Earnings Yield	6.93%
FCF Yield	n/a

Analyst Forecast

The average price target for NBT Bancorp is $51.00, which is 9.47% higher than the current price. The consensus rating is "Buy".

Price Target	$51.00
Price Target Difference	9.47%
Analyst Consensus	Buy
Analyst Count	2
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