NBT Bancorp Inc. (NBTB)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
NBT Bancorp Inc. (NBTB) trades at $50.12 with AI Score 92/100 (Grade A+). NBT Bancorp Inc. is a financial holding company providing commercial and retail banking, and wealth management services across multiple states. Market cap: $2.61B, Sector: Financial services.
Price live · AI analysis from May 10, 2026Analyst Coverage for NBTB: NBTB does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates NBTB against Financial Services peers across nine fundamental dimensions and assigns a relatively strong fundamental profile based on the underlying data.
NBTB: 1/1 perspectives are bullish.
How is this calculated? →NBT Bancorp Inc. (NBTB) Financial Services Profile
NBT Bancorp Inc. is a regional financial services provider offering diverse banking and wealth management solutions across the Northeastern United States. With a history spanning over 160 years, NBT distinguishes itself through its extensive branch network and comprehensive suite of financial products, maintaining a steady presence in a competitive banking landscape.
What Is the Investment Thesis for NBTB?
NBT Bancorp Inc. presents a stable investment profile within the regional banking sector. With a market capitalization of $2.61B and a P/E ratio of 10.0, the company demonstrates consistent profitability, evidenced by a profit margin of 19.7% and a gross margin of 74.5%. The dividend yield of 3.18% offers an attractive income stream for investors. Growth catalysts include expansion of wealth management services and strategic acquisitions within its geographic footprint. Potential risks involve interest rate fluctuations and increased competition from larger national banks and fintech companies. Investors should monitor NBT's ability to maintain its asset quality and adapt to evolving regulatory requirements.
Based on FMP financials and quantitative analysis
NBTB Key Highlights
- Market capitalization of $2.61B, reflecting its established presence in the regional banking sector.
- P/E ratio of 10.0, indicating a potentially reasonable valuation compared to its earnings.
- Profit margin of 19.7%, showcasing efficient operations and profitability.
- Gross margin of 74.5%, highlighting the effectiveness of its revenue generation and cost management.
- Dividend yield of 3.18%, providing a steady income stream for investors.
Who Are NBTB's Competitors?
NBTB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| C Citigroup Inc. | $143.87 | +2.79% | 247B | 31 |
| BAC Bank of America Corporation | $59.90 | +1.99% | 426B | 84 |
| JPM JPMorgan Chase & Co. | $337.72 | +0.97% | 905B | 81 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
| GBOOY Grupo Financiero Banorte, S.A.B. de C.V. | $54.16 | +0.39% | $30.47B | 67 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are NBTB's Key Strengths?
- Strong regional presence in the Northeastern United States.
- Diversified revenue streams from banking, wealth management, and insurance.
- Established brand reputation and customer loyalty.
- Conservative lending practices and risk management.
What Are NBTB's Weaknesses?
- Limited geographic diversification compared to national banks.
- Exposure to interest rate fluctuations.
- Reliance on traditional branch network in a digital age.
- Higher operating costs compared to fintech competitors.
What Could Drive NBTB Stock Higher?
- Potential interest rate hikes by the Federal Reserve, which could increase net interest margin.
- Expansion of digital banking services to attract and retain customers.
- Strategic acquisitions of smaller banks and financial institutions to expand market share.
- Growth in wealth management services driven by increasing demand for financial planning.
- Increased commercial lending activity supporting small and medium-sized businesses.
What Are the Key Risks for NBTB?
- Financial-distress signal — its Altman Z-Score of 0.32 sits in the distress zone (elevated bankruptcy risk).
- Economic downturn impacting loan demand and asset quality.
- Increased competition from larger national banks and fintech companies.
- Evolving regulatory requirements and compliance costs.
- Cybersecurity threats and data breaches.
- Interest rate fluctuations affecting net interest income.
What Are the Growth Opportunities for NBTB?
- Expansion of Wealth Management Services: NBT can capitalize on the growing demand for wealth management services by expanding its offerings and attracting new clients. The wealth management market is projected to reach trillions of dollars by 2030, offering significant growth potential. By enhancing its financial planning, investment advisory, and trust services, NBT can increase its fee-based income and improve overall profitability. This expansion can be achieved through strategic acquisitions and organic growth initiatives, targeting high-net-worth individuals and families in its existing markets.
- Strategic Acquisitions: NBT can pursue strategic acquisitions of smaller banks and financial institutions within its geographic footprint to expand its market share and customer base. The regional banking sector is consolidating, creating opportunities for NBT to acquire undervalued assets and integrate them into its existing operations. These acquisitions can provide access to new markets, products, and technologies, enhancing NBT's competitive position and driving long-term growth. The timeline for these acquisitions is ongoing, with potential deals emerging as market conditions evolve.
- Digital Transformation: NBT can further invest in digital technologies to enhance its online and mobile banking platforms, improving customer experience and operational efficiency. The increasing adoption of digital banking channels presents an opportunity for NBT to attract and retain customers by offering convenient and user-friendly services. This includes enhancing mobile banking apps, implementing AI-powered chatbots, and streamlining online loan application processes. This ongoing digital transformation will enable NBT to compete effectively with fintech companies and larger national banks.
- Increased Commercial Lending: NBT can focus on expanding its commercial lending portfolio by targeting small and medium-sized businesses (SMBs) in its markets. The SMB sector is a significant driver of economic growth, and NBT can provide tailored financing solutions to meet their needs. This includes offering term loans, lines of credit, and equipment financing to support SMBs' expansion plans. By building strong relationships with local businesses, NBT can increase its loan volume and generate higher interest income. This is an ongoing opportunity with continuous efforts to build relationships with SMBs.
- Geographic Expansion: NBT can strategically expand its branch network and ATM presence in underserved markets within its existing geographic footprint. By identifying areas with limited access to banking services, NBT can establish new branches and ATMs to attract new customers and increase its market share. This expansion can be complemented by targeted marketing campaigns to raise awareness of NBT's products and services. The timeline for this expansion is gradual, with new branches and ATMs being added based on market demand and strategic considerations.
What Opportunities Does NBTB Have?
- Expansion of wealth management services to capture growing demand.
- Strategic acquisitions of smaller banks and financial institutions.
- Investment in digital technologies to enhance customer experience.
- Increased commercial lending to support small and medium-sized businesses.
What Threats Does NBTB Face?
- Increased competition from larger national banks and fintech companies.
- Evolving regulatory requirements and compliance costs.
- Economic downturns impacting loan demand and asset quality.
- Cybersecurity threats and data breaches.
What Are NBTB's Competitive Advantages?
- Established regional presence with a strong branch network in the Northeastern United States.
- Long-standing customer relationships built over 160 years.
- Diversified product and service offerings across banking, wealth management, and insurance.
- Strong local market knowledge and community ties.
- Conservative lending practices and risk management.
What Does NBTB Do?
Founded in 1856 and headquartered in Norwich, New York, NBT Bancorp Inc. has evolved from a local bank into a diversified financial holding company. The company provides a comprehensive suite of banking, wealth management, and insurance services to individuals, businesses, and institutions. NBT's core business revolves around commercial and retail banking, offering a variety of deposit products, including demand deposit, savings, negotiable order of withdrawal, money market deposit, and certificate of deposit accounts. Its loan portfolio is diverse, encompassing commercial and industrial, commercial real estate, agricultural, commercial construction, indirect and direct consumer, home equity, mortgages, business banking loans, and residential real estate loans. Beyond traditional banking, NBT offers trust and investment services, financial planning, life insurance, and retirement plan consulting and recordkeeping. The company distributes its products and services through a network of 140 branches and 164 ATMs located in New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Connecticut, and Maine. NBT also embraces digital channels, providing 24-hour online, mobile, and telephone banking services. This multi-channel approach allows customers to manage their finances conveniently, access statements, apply for loans, and utilize other services. NBT's commitment to both traditional and modern banking practices positions it as a key player in the regional banking sector.
What Products and Services Does NBTB Offer?
- Provides commercial banking services to businesses.
- Offers retail banking services to individuals.
- Delivers wealth management services, including trust and investment solutions.
- Provides a range of deposit products such as checking, savings, and money market accounts.
- Offers various loan products including commercial, residential, and consumer loans.
- Provides financial planning and life insurance services.
- Offers retirement plan consulting and recordkeeping services.
- Provides insurance products including personal property and casualty, business liability, and commercial insurance.
How Does NBTB Make Money?
- Generates revenue through interest income from loans.
- Earns fees from wealth management and trust services.
- Collects service charges on deposit accounts.
- Receives commissions from insurance product sales.
What Industry Does NBTB Operate In?
NBT Bancorp Inc. operates within the regional banking industry, which is characterized by increasing competition from larger national banks and emerging fintech companies. The industry is also subject to evolving regulatory requirements and interest rate fluctuations. NBT's focus on community banking and wealth management services allows it to differentiate itself in this competitive landscape. The regional banking sector is expected to grow moderately, driven by increasing demand for financial services from small businesses and individuals. NBT's established presence in the Northeastern United States positions it to capitalize on this growth.
Who Are NBTB's Key Customers?
- Small and medium-sized businesses seeking commercial loans and banking services.
- Individual consumers looking for personal banking and mortgage solutions.
- High-net-worth individuals and families requiring wealth management services.
- Retirees seeking retirement planning and investment advice.
- Businesses and individuals seeking insurance products.
Company Profile
NBT Bancorp Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Norwich, US. The company is led by CEO Scott A. Kingsley. NBTB has traded publicly since 1992.
How NBT Bancorp Inc. Is Valued
NBT Bancorp Inc. carries a market capitalization of $2.61B, placing it in the mid-cap category. Relative to its peer group, NBTB's quantitative score of 92/100 is above the peer average of 67/100.
ROE 10%Key Financial Metrics
Return on equity for NBT Bancorp Inc. stands at 9.8%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.1%, showing how much profit it generates from its asset base. NBTB trades at a trailing price-to-earnings ratio of 10.03, below the Financial Services sector average of ~18x. Its free cash flow yield is 9.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 1.29 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 7.0%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 8/9Financial Health
NBT Bancorp Inc.'s Piotroski F-Score is 8/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 0.32 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project NBT Bancorp Inc. revenue of about $761.1M for fiscal 2026, with EPS near $4.17. The estimate reflects 4 contributing analysts.
NBTB Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- NBTB insiders seem to be holding steady, which could signal confidence in the bank's long-term strategy. This lack of selling might reassure investors.
- Community sentiment seems to be cautiously optimistic, with many viewing NBTB as a stable, if not explosive, pick. It's seen as a safe haven in the current market climate.
- NBTB is perceived as a reliable, community-focused bank. This image can attract investors seeking stability over high-growth potential, especially in uncertain times.
- Recent market developments suggest a flight to safety, benefitting established regional banks like NBTB. Investors are looking for solid, predictable returns.
Bear Case
- There's been little buzz around NBTB in the social trading community lately, suggesting it may be overlooked compared to 'sexier' stocks. This lack of attention can impact trading volume.
- Bearish community views highlight concerns about NBTB's growth potential in a competitive banking landscape. Some see it as lacking the innovation to thrive long-term.
- Market perception of NBTB is that it's a traditional bank, potentially vulnerable to disruption from fintech and digital banking trends. This could limit its future upside.
- Recent insider activity shows no significant buying, which could be interpreted as a lack of strong conviction in the company's immediate prospects. It's not a red flag, but it's not a strong buy signal either.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
NBTB Latest News
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3 Reasons NBTB is Risky and 1 Stock to Buy Instead
Yahoo! Finance: NBTB News · May 20, 2026
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NBTB: What does Argus have to say about NBTB?
Argus Research · May 20, 2026
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NBT Bancorp Inc. Announces Cash Dividend
globenewswire.com · May 19, 2026
NBTB Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for NBTB.
Price Targets
Wall Street price target analysis for NBTB.
NBTB MoonshotScore
What does this score mean?
The MoonshotScore rates NBTB's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Scott A. Kingsley
President and Chief Executive Officer
Scott A. Kingsley serves as the President and Chief Executive Officer of NBT Bancorp Inc. His career within the financial services industry spans several decades, marked by progressive leadership roles and a deep understanding of banking operations. He has held various executive positions within NBT, contributing to the company's strategic planning and growth initiatives. Kingsley's expertise encompasses financial management, risk management, and business development. He is actively involved in community organizations and industry associations, reflecting his commitment to NBT's stakeholders.
Track Record: Under Scott A. Kingsley's leadership, NBT Bancorp Inc. has focused on enhancing its digital capabilities and expanding its wealth management services. He has overseen strategic acquisitions and initiatives aimed at improving customer experience and operational efficiency. Kingsley has emphasized maintaining a strong balance sheet and conservative lending practices, contributing to NBT's consistent financial performance.
NBTB Financial Services Stock FAQ
What does NBT Bancorp Inc. do?
NBT Bancorp Inc. operates as a financial holding company, delivering a comprehensive suite of banking and financial services. Its core offerings include commercial and retail banking, providing deposit accounts, loans, and other financial products to businesses and individuals. Additionally, NBT offers wealth management services, encompassing trust and investment solutions, financial planning, and retirement plan consulting. The company also provides insurance products, including personal property and casualty, business liability, and commercial insurance. NBT operates through a network of branches and ATMs, as well as online and mobile banking platforms, serving customers across the Northeastern United States.
What do analysts say about NBTB stock?
Analysts generally view NBTB as a stable regional bank with a consistent financial performance. Key valuation metrics, such as the P/E ratio of 10.0 and dividend yield of 3.18%, suggest a reasonable valuation compared to its earnings and income potential. Growth considerations include NBT's ability to expand its wealth management services, capitalize on strategic acquisitions, and adapt to the evolving digital banking landscape. Analysts monitor NBT's asset quality, net interest margin, and operating efficiency to assess its long-term growth prospects. Analyst ratings and price targets reflect these factors, providing investors with insights into the stock's potential upside and downside risks.
What are the main risks for NBTB?
NBTB faces several key risks inherent to the banking industry and its specific operations. Economic downturns could negatively impact loan demand and asset quality, leading to increased loan losses. Heightened competition from larger national banks and fintech companies could erode market share and pressure margins. Evolving regulatory requirements and compliance costs could increase operating expenses. Cybersecurity threats and data breaches pose a significant risk to NBT's reputation and financial stability. Interest rate fluctuations could affect net interest income, impacting profitability. Effective risk management and strategic adaptation are crucial for NBT to mitigate these challenges.
What are the key factors to evaluate for NBTB?
NBT Bancorp Inc. (NBTB) holds an AI score of 92/100 (high). P/E: 10.0x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does NBTB data refresh on this page?
NBTB prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven NBTB's recent stock price performance?
NBT Bancorp Inc. (NBTB) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong regional presence in the Northeastern United States. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider NBTB overvalued or undervalued right now?
NBT Bancorp Inc. (NBTB) trades at 10.0x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying NBTB?
Before investing in NBT Bancorp Inc. (NBTB), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data as of December 31, 2021, and may not reflect subsequent events.
- Financial metrics are based on historical performance and are not indicative of future results.