NBT Bancorp (NBTB) Stock Price, News & Analysis

Company Overview

NBT Bancorp Inc. is a bank holding company headquartered in Norwich, New York. Through its principal subsidiary, NBT Bank, the company provides a range of financial services to individuals, families, businesses and municipal entities.

NBT Bank’s offerings include checking and savings accounts, consumer and residential lending, commercial loans, mortgages, credit cards and digital banking services. Through affiliated businesses, NBT Bancorp also provides wealth management, investment services and insurance products.

Founded in 1856 as the Bank of Norwich, NBT Bank has expanded from its original New York market to serve communities across the Northeast. Its banking network includes New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Maine and Connecticut. The company is led by President and Chief Executive Officer Scott A. Kingsley.

Key Stats

• Today's Range: $50.00 to $51.11
• 50-Day Range: $50.31 to $54.26
• 52-Week Range: $39.19 to $54.50
• Volume: 97,674 shs
• Average Volume: 295,843 shs
• Market Capitalization: $2.60 billion
• P/E Ratio: 12.24
• Dividend Yield: 3.19%
• Price Target: $54.10
• Consensus Rating: Hold

NBT Bancorp Stock Analysis - MarketRank™

NBT Bancorp scored higher than 83% of companies evaluated by MarketBeat, and ranked 291st out of 852 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.6 / 5
• Analyst Rating: Hold

Consensus Rating

NBT Bancorp has received a consensus rating of Hold. The company's average rating score is 2.38, and is based on no strong buy ratings, 3 buy ratings, 5 hold ratings, and no sell ratings.

Upside/Downside

The consensus price target for NBT Bancorp is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

NBT Bancorp has only been the subject of 4 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 9.13%

Earnings Growth

Earnings for NBT Bancorp are expected to grow by 9.13% in the coming year, from $4.16 to $4.54 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of NBT Bancorp is 12.24, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.72.

Price to Earnings Ratio vs. Sector

The P/E ratio of NBT Bancorp is 12.24, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.30.

Price to Book Value per Share Ratio

NBT Bancorp has a P/B Ratio of 1.38. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

4.75% of the float of NBT Bancorp has been sold short.

Short Interest Ratio / Days to Cover

NBT Bancorp has a short interest ratio ("days to cover") of 8.44.

Change versus previous month

Short interest in NBT Bancorp has recently increased by 11.88%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

NBT Bancorp pays a meaningful dividend of 3.10%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

NBT Bancorp has been increasing its dividend for 12 years.

Dividend Coverage

The dividend payout ratio of NBT Bancorp is 39.12%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, NBT Bancorp will have a dividend payout ratio of 35.24% next year. This indicates that NBT Bancorp will be able to sustain or increase its dividend.

News and Social Media

• Score: 3.2 / 5
• News Sentiment: 1.06

News Sentiment

NBT Bancorp has a news sentiment score of 1.06. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.72 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for NBT Bancorp this week, compared to 3 articles on an average week.

Company Ownership

• Score: 1.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, NBT Bancorp insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $730,710.00 in company stock.

Percentage Held by Insiders

2.99% of the stock of NBT Bancorp is held by insiders.

Percentage Held by Institutions

58.46% of the stock of NBT Bancorp is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Last Earnings: 7/27/2026
• Record date for 9/15 Dividend: 9/01/2026
• Ex-Dividend for 9/15 Dividend: 9/01/2026
• Dividend Payable: 9/15/2026
• Today: 9/29/2026
• Next Earnings (Estimated): 10/26/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:NBTB
• CIK: 790359
• Web: www.nbtbancorp.com
• Phone: (607) 337-2265
• Fax: 302-636-5454
• Employees: 2,303
• Year Founded: 1999

Price Target and Rating

• Average Price Target for NBT Bancorp: $54.10
• High Price Target: $59.00
• Low Price Target: $46.50
• Potential Upside/Downside: +8.0%
• Consensus Rating: Hold
• Rating Score (0-4): 2.38
• Research Coverage: 8 Analysts

Profitability

• EPS (Trailing Twelve Months): $4.09
• Trailing P/E Ratio: 12.24
• Forward P/E Ratio: 12.04
• P/E Growth: N/A
• Net Income: $169.24 million
• Net Margins: 22.58%
• Pretax Margin: 29.24%
• Return on Equity: 11.27%
• Return on Assets: 1.33%

Debt

• Debt-to-Equity Ratio: 0.08
• Current Ratio: 0.87
• Quick Ratio: 0.87

Sales & Book Value

• Annual Sales: $906.48 million
• Price / Sales: 2.87
• Cash Flow: $4.26 per share
• Price / Cash Flow: 11.74
• Book Value: $36.25 per share
• Price / Book: 1.38

Miscellaneous

• Outstanding Shares: 51,960,000
• Free Float: 50,406,000
• Market Cap: $2.60 billion
• Optionable: Optionable
• Beta: 0.47