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NBTB

NBT Bancorp Inc. (NASDAQ)

Financial Services — Banks - Regional

NBT Bancorp Inc., a financial holding company, provides personal and commercial banking, retail banking, and wealth management services in the United States. It operates through Banking, Retirement Plan Administration, and All Other segments. The company offers demand deposit, savings, interest-bearing checking, money market deposit, and certificate of deposit accounts; and indirect and direct consumer loans, home equity loans and lines of credit, residential mortgages, business banking loans, commercial and industrial loans, agricultural loans, commercial construction loans, commercial real estate loans, indirect auto loans, and other consumer loans, as well as agricultural lending, personal lines of credit, overdraft protection, and second mortgage loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan and health savings account recordkeeping and administration, and actuarial services. In addition, the company offers insurance products, such as personal property and casualty, business liability, and commercial insurance; and other products and services through a network of ATM locations and 24-hour online, mobile, and telephone channels that enable customers to check balances, make deposits, transfer funds, pay bills, access statements, apply for loans, and access various other products and services. Further, it operates as a property management and passive investment company, as well as investment advisor that provides investment management and financial consulting services. The company serves retail, commercial, and municipal customers. It operates in upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York.

Buy 2.3 / 5 6 analysts
$50.25
+$0.88 (+1.78%)
Target: $50.42 (0.3%)
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Price History

52-Week Range

Fundamentals

Market Cap$2.61B
P/E Ratio (TTM)14.19
Forward P/E11.08
EPS (TTM)$3.54
Dividend Yield2.95%
Profit Margin26.36%
Revenue Growth21.60%
ROE10.55%
Debt/Equity-
Recommendation Buy 2.3
Analyst Target$50.42
Analysts6
Indexes NASDAQ

Technical Indicators

RSI (14)69.1
Beta0.50
SMA 20-
SMA 40-
52-Week High$50.61
52-Week Low$39.20
50-Day Avg$46.08
200-Day Avg$43.52
Avg Volume315.8K
Volume332.7K

Performance Analysis

BULLISH

NBTB shows predominantly bullish signals based on its fundamentals and technicals.

- Trading near its 52-week high ($50.61), which may indicate limited upside.
+ RSI at 69.1 shows positive momentum.
+ Price is above both the 50-day and 200-day moving averages — strong uptrend.
+ P/E of 14.2 suggests the stock may be undervalued.
+ Strong revenue growth of 21.6% year-over-year.
+ Healthy profit margin of 26.4%.
+ Wall Street consensus is "Buy" from 6 analysts.
+ Average analyst target of $50.42 implies 0.3% upside.

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Last updated: Jul 02, 2026 13:22 UTC

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