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Stock Evaluator: NBT Bancorp Inc. (NBTB)

NBT Bancorp Inc. NBTB

$52.10 0.01 0.02%
August 24, 2026 12:46:06 PM EST November 10, 2021 Volume: 96,037
After Hours: $120.37   0.15  |  0.12% November 10, 2021 7:59 PM EST Volume: 72,713
USD NASD | DELAYED PRICE
SECTOR INDUSTRY
Financials Banks

A+ Stock Grade Summary:

VALUE:
GROWTH:
MOMENTUM:
EPS REVISIONS:
QUALITY:
COMPANY SUMMARY
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.

Commentary & Analysis

Financial Summary

Share Statistics NBTB Industry
Median		 Percentile
(All Stocks)
Market Cap (Mil) $2,706.6 $745.4 58%
Shares Out (Mil) 52.2 15.3 48%
Institutional Ownership 97.3% 83.2% 73%
Float (Mil) 51.0 21.8 47%
Beta 0.48 0.42 27%
Avg Daily Volume (000s) 227 45 46%
Price Change
(52-week)		 22.6% 94.6% 63%
Growth NBTB Industry
Median		 Percentile
(All Stocks)
Sales (5yr) 10.1% 7.7% 58%
Net Income (5yr) 10.1% 11.1% 55%
EPS (5yr) 7.0% 10.1% 42
Dividends (5yr) 5.6% 3.6% 86%
Cash Flow (5yr) (17.4%) (17.1%) 40%
Estimates Qtrly Current
Fiscal
Year		 Next
Fiscal
Year
# of Estimates 7 6 7
Current EPS $1.091 $4.175 $4.543
Month Ago EPS $1.092 $4.198 $4.496
# Rev Up 1 1 2
# Rev Down 3 0 1
Three Months Ago EPS $1.089 $4.175 $4.543
Year/Year Chg 7.0% 25.4% na
Financials NBTB Industry
Median		 Percentile
(All Stocks)
Sales (TTM) (Mil) $724 $196 46%
Net Income (TTM) (Mil) $214 $55 68%
EPS (TTM) $4.101 $2.600 83%
Operating Cash Flow (TTM) (Mil) $262 $35 62%
Net Cash Flow (TTM) (Mil) ($247) $2 9%
Long-Term Debt (Q1) (Mil) $155 $100 48%
Enterprise Value (Q1) (Mil) na $0 na
Valuation NBTB Industry
Median		 Percentile
(All Stocks)
P/B 1.39 1.25 35%
P/E 12.8 12.4 29%
Dividend Yield 2.8% 2.2% 83%
PEG (5yr hist) 1.8 1.1 65%
Ratios NBTB Industry
Median		 Percentile
(All Stocks)
Gross Margin na 63.7% na
Net Margin 29.6% 29.1% 88%
ROA 1.3% 1.1% 50%
ROE 11.4% 11.3% 61%
Liabilities to Assets 88.0% 89.7% 82%
F-Score 5 4 50%

Passing Stock Screens

As of 8/21/2026, from a list of 60 stock screening strategies, NBTB meetings the criteria of 1 screen:
Stock Screen
GURU STRATEGY

Graham--Defensive Investor (Utility) Screen

Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength. 
Performance Since Inception: 6.9%
+/- S&P 500: -0.6

Passing Stocks

1st Source Corporation SRCE
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Aflac Incorporated AFL
Amalgamated Financial Corp. AMAL
American Financial Group, Inc. AFG
See All 190 Stocks (as of 8/21/2026)

Price and market data provided by QuoteMedia and delayed a minimum of 15 minutes unless otherwise indicated. Fundamental data provided by AAII's Stock Investor Pro and S&P Global Market Intelligence and are updated through the previous trading day.

Ⓒ 2026 American Association of Individual Investors