Financhill
Sell
38

NBTB Quote, Financials, Valuation and Earnings

Last price:
$41.30
Seasonality move :
2.68%
Day range:
$40.53 - $40.99
52-week range:
$36.14 - $52.44
Dividend yield:
3.35%
P/E ratio:
13.45x
P/S ratio:
3.28x
P/B ratio:
1.36x
Volume:
182.9K
Avg. volume:
198.7K
1-year change:
11.25%
Market cap:
$2.1B
Revenue:
$574.4M
EPS (TTM):
$3.02

Analysts' Opinion

  • Consensus Rating
    NBT Bancorp has received a consensus rating of Leans Bullish. The company's average rating is a Leans Bullish based on 3 Buy ratings, 3 Hold ratings, and 0 Sell ratings.
  • Price Target Upside
    According to analysts' consensus price target of $50.40, NBT Bancorp has an estimated upside of 24.05% from its current price of $40.63.
  • Price Target Downside
    According to analysts, the lowest downside price target is $47.00 representing 100% downside risk from its current price of $40.63.

Fair Value

  • According to the consensus of 6 analysts, NBT Bancorp has 24.05% upside to fair value with a price target of $50.40 per share.

NBTB vs. S&P 500

  • Over the past 5 trading days, NBT Bancorp has underperformed the S&P 500 by -0.35% suggesting its relative strength compared to the major market average is weak at this time.

Share Buyback

  • NBT Bancorp does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.

Revenue Growth

  • NBT Bancorp has grown year-over-year revenues for 7 quarters straight. In the most recent quarter NBT Bancorp reported revenues of $154M.

Earnings Growth

  • NBT Bancorp has grown year-over-year earnings for 3 quarters straight. In the most recent quarter NBT Bancorp reported earnings per share of $0.77.
Enterprise value:
1.9B
EV / Invested capital:
1.07x
Price / LTM sales:
3.28x
EV / EBIT:
4.91x
EV / Revenue:
3.26x
PEG ratio (5yr expected):
0.81x
EV / Free cash flow:
10.60x
Price / Operating cash flow:
10.66x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
1.05%
Net Income Margin (TTM):
24.4%
Return On Equity:
9.55%
Return On Invested Capital:
7.76%
Operating Margin:
--
Trailing 12 Months Fiscal Quarters
Period Ending 2023-03-31 2024-03-31 2025-03-31 2024-03-31 2025-03-31
Income Statement
Revenue $518.1M $532.2M $588.4M $140M $154M
Gross Profit -- -- -- -- --
Operating Income -- -- -- -- --
EBITDA -- -- -- -- --
Diluted EPS $3.40 $2.59 $3.02 $0.71 $0.77
Period Ending 2021-03-31 2022-03-31 2023-03-31 2024-03-31 2025-03-31
Balance Sheet
Current Assets $2.5B $2.8B $1.7B $1.7B $438.8M
Total Assets $11.5B $12.1B $11.8B $13.4B $13.9B
Current Liabilities $95.3M $65M $475.2M $267.1M $85.6M
Total Liabilities $10.3B $10.9B $10.6B $12B $12.3B
Total Equity $1.2B $1.2B $1.2B $1.4B $1.6B
Total Debt $308.8M $278.8M $703.2M $518.2M $227.4M
Trailing 12 Months Fiscal Quarters
Period Ending 2023-03-31 2024-03-31 2025-03-31 2024-03-31 2025-03-31
Cash Flow Statement
Cash Flow Operations $169.7M $172.4M $193.8M $36.7M $42M
Cash From Investing -$618.6M $18.2M -$499.2M -$13.1M -$113.2M
Cash From Financing -$415.5M -$101.3M $240.4M $90.3M $41.2M
Free Cash Flow $162.6M $162.1M $180.8M $34.3M $38.3M
NBTB
Sector
Market Cap
$2.1B
$624.5M
Price % of 52-Week High
77.48%
87.32%
Dividend Yield
3.35%
2.03%
Shareholder Yield
6.25%
4.11%
1-Year Price Total Return
11.25%
13.37%
Beta (5-Year)
0.576
0.594
Dividend yield:
3.35%
Annualized payout:
$1.32
Payout ratio:
44.05%
Growth streak:
12 years

Technicals

8-day SMA
Buy
Level $40.40
200-day SMA
Sell
Level $45.21
Bollinger Bands (100)
Sell
Level 40.54 - 46.14
Chaikin Money Flow
Buy
Level 26.6M
20-day SMA
Sell
Level $41.22
Relative Strength Index (RSI14)
Sell
Level 43.80
ADX Line
Buy
Level 11.63
Williams %R
Neutral
Level -68.6391
50-day SMA
Sell
Level $41.93
MACD (12, 26)
Sell
Level -0.51
25-day Aroon Oscillator
Sell
Level -84
On Balance Volume
Neutral
Level 11.9M

Financial Scores

Sell
Altman Z-Score (Annual)
Level (0.3797)
Sell
CA Score (Annual)
Level (-2.1146)
--
Beneish M-Score (Annual)
Level (--)
Buy
Momentum Score
Level (9)
Sell
Ohlson Score
Level (1.8091)
--
Piotroski F Score (Annual)
Level (--)
--
Quality Ratio Score
Level (--)
Buy
Fundamental Score
Level (9)

Revenue Forecast

Earnings per Share Forecast

Company Profile

NBT Bancorp Inc is a financial holding company that operates through its subsidiaries. The company's principal sources of revenue include management fees and dividends it receives through its subsidiaries. Its business, predominantly conducted through NBT Bank, consists of providing commercial banking, retail banking, and wealth management services to customers in its market area, which includes upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. The company's reportable segments are Banking and Retirement Plan Administration. A majority of its revenue is generated from the Banking segment.

Stock Forecast FAQ

In the current month, NBTB has received 3 Buy ratings 3 Hold ratings, and 0 Sell ratings. The NBTB average analyst price target in the past 3 months is $50.40.

  • Where Will NBT Bancorp Stock Be In 1 Year?

    According to analysts, the consensus estimate is that NBT Bancorp share price will rise to $50.40 per share over the next 12 months.

  • What Do Analysts Say About NBT Bancorp?

    Analysts are divided on their view about NBT Bancorp share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that NBT Bancorp is a Sell and believe this share price will drop from its current level to $47.00.

  • What Is NBT Bancorp's Price Target?

    The price target for NBT Bancorp over the next 1-year time period is forecast to be $50.40 according to 6 Wall Street analysts, 3 of them rate the stock a Buy, 0 rate the stock a Sell, and 3 analysts rate the stock a Hold.

  • Is NBTB A Buy, Sell Or Hold?

    According to Wall Street analysts, the consensus rating for NBT Bancorp is a Leans Bullish. 3 of 6 analysts rate the stock a Leans Bullish at this time.

  • How Can I Buy Shares Of NBTB?

    You can purchase shares of NBT Bancorp via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, tastytrade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase NBT Bancorp shares.

  • What Is The NBT Bancorp Share Price Today?

    NBT Bancorp was last trading at $41.30 per share. This represents the most recent stock quote for NBT Bancorp. Yesterday, NBT Bancorp closed at $40.63 per share.

  • How To Buy NBT Bancorp Stock Online?

    In order to purchase NBT Bancorp stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.

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