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NBT Bancorp Inc. NBTB
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 42.96
-0.882 %
$ 2.03 B
Market Cap
14.37
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on May, 7, 2025.

The intrinsic value of one NBTB stock under the worst case scenario is HIDDEN Compared to the current market price of 43 USD, NBT Bancorp Inc. is HIDDEN

NBTB Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on May, 7, 2025.

The intrinsic value of one NBTB stock under the base case scenario is HIDDEN Compared to the current market price of 43 USD, NBT Bancorp Inc. is HIDDEN

NBTB Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on May, 7, 2025.

The intrinsic value of one NBTB stock under the best case scenario is HIDDEN Compared to the current market price of 43 USD, NBT Bancorp Inc. is HIDDEN

NBTB Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart NBTB

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1M 8%
6M -13%
1Y 16%
3Y 31%
5Y 69%
All
$52.0$52.0$50.0$50.0$48.0$48.0$46.0$46.0$44.0$44.0$42.0$42.0$40.0$40.0$38.0$38.015 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '25
FINANCIALS
574 M REVENUE
17.14%
Growth Rates
1Year 17.14%
3Years 6.47%
5Years 4.94%
7Years 5.31%
10Years 4.92%
181 M OPERATING INCOME
-10.39%
Growth Rates
1Year -10.39%
3Years -3.25%
5Years 3.09%
7Years 5.05%
10Years 4.89%
141 M NET INCOME
18.40%
Growth Rates
1Year 18.40%
3Years -3.16%
5Years 3.05%
7Years 7.98%
10Years 6.48%
189 M OPERATING CASH FLOW
19.76%
Growth Rates
1Year 19.76%
3Years 6.15%
5Years 4.21%
7Years 4.68%
10Years 7.94%
-399 M INVESTING CASH FLOW
-802.55%
Growth Rates
1Year -802.55%
3Years 9.92%
5Years -44.06%
7Years -3.91%
10Years -10.75%
289 M FINANCING CASH FLOW
374.65%
Growth Rates
1Year 374.65%
3Years -33.51%
5Years 49.38%
7Years 7.13%
10Years 20.83%
202 M REVENUE
36.52%
Growth Rates
1Year 17.14%
3Years 6.47%
5Years 4.94%
7Years 5.31%
10Years 4.92%
48.4 M OPERATING INCOME
4.30%
Growth Rates
1Year -10.39%
3Years -3.25%
5Years 3.09%
7Years 5.05%
10Years 4.89%
36 M NET INCOME
-5.49%
Growth Rates
1Year 18.40%
3Years -3.16%
5Years 3.05%
7Years 7.98%
10Years 6.48%
49.2 M OPERATING CASH FLOW
-5.69%
Growth Rates
1Year 19.76%
3Years 6.15%
5Years 4.21%
7Years 4.68%
10Years 7.94%
-148 M INVESTING CASH FLOW
-152.63%
Growth Rates
1Year -802.55%
3Years 9.92%
5Years -44.06%
7Years -3.91%
10Years -10.75%
-100 M FINANCING CASH FLOW
-35.60%
Growth Rates
1Year 374.65%
3Years -33.51%
5Years 49.38%
7Years 7.13%
10Years 20.83%
Balance Sheet NBT Bancorp Inc.
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Current Assets 1.78 B
Cash & Short-Term Investments 1.78 B
Receivables 0
Other Current Assets 0
Non-Current Assets 480 M
Long-Term Investments 2.46 B
PP&E 80.8 M
Other Non-Current Assets -2.06 B
78.76 %108.87 %Total Assets$2.3b
Current Liabilities 163 M
Accounts Payable 0
Short-Term Debt 163 M
Other Current Liabilities 0
Non-Current Liabilities 12.1 B
Long-Term Debt 29.6 M
Other Non-Current Liabilities 12.1 B
98.43 %Total Liabilities$12.3b
EFFICIENCY
Earnings Waterfall NBT Bancorp Inc.
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Revenue 574 M
Cost Of Revenue 0
Gross Profit 574 M
Operating Expenses 79.1 M
Operating Income 181 M
Other Expenses 40.3 M
Net Income 141 M
600m600m500m500m400m400m300m300m200m200m100m100m00574m0574m(79m)181m(40m)141mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 100.00%
5Years 100.00%
7Years 100.00%
10Years 100.00%
31.51% OPERATING MARGIN
31.51%
Averages
1Year 31.51%
3Years 38.34%
5Years 37.21%
7Years 37.38%
10Years 35.73%
24.48% NET MARGIN
24.48%
Averages
1Year 24.48%
3Years 26.07%
5Years 26.70%
7Years 26.68%
10Years 24.91%
9.22% ROE
9.22%
Averages
1Year 9.22%
3Years 10.17%
5Years 10.33%
7Years 10.50%
10Years 9.94%
1.02% ROA
1.02%
Averages
1Year 1.02%
3Years 1.07%
5Years 1.09%
7Years 1.13%
10Years 1.06%
6.28% ROIC
6.28%
Averages
1Year 6.28%
3Years 3.96%
5Years 3.39%
7Years 3.18%
10Years 2.50%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis NBT Bancorp Inc.
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180m180m160m160m140m140m120m120m100m100m80m80m60m60m40m40m20m20m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 141 M
Depreciation & Amortization 20 M
Capital Expenditures 0
Stock-Based Compensation -295 K
Change in Working Capital 748 K
Others 28.3 M
Free Cash Flow 177 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets NBT Bancorp Inc.
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NBTB has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.79% DIVIDEND YIELD
0.34 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.401.401.201.201.001.000.800.800.600.600.400.400.200.200.000.000.210.220.230.230.260.270.270.280.30.320.340.220.220.230.250.260.270.270.280.30.320.220.230.230.250.260.270.280.30.320.340.220.870.230.900.230.920.260.990.271.050.271.080.281.100.31.160.321.240.341.320.342015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 14
6. Ownership
Insider Ownership NBT Bancorp Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
779 K USD 4
6-9 MONTHS
10.2 M USD 5
9-12 MONTHS
47.2 K USD 1
Bought
200 K USD 2
0-3 MONTHS
32.8 K USD 1
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
NBT Bancorp Inc. Completes Merger With Evans Bancorp, Inc. NORWICH, N.Y., May 05, 2025 (GLOBE NEWSWIRE) -- NBT Bancorp Inc. (“NBT” or the “Company”) (NASDAQ: NBTB) announced that it completed the merger (“Merger”) of Evans Bancorp, Inc. (“Evans”) with and into NBT on May 2, 2025, followed by a core systems conversion over the weekend. globenewswire.com - 2 weeks ago
NBT Bancorp, Inc. (NBTB) Q1 2025 Earnings Call Transcript NBT Bancorp, Inc. (NASDAQ:NBTB ) Q1 2025 Earnings Conference Call April 25, 2025 10:00 AM ET Company Participants Scott Kingsley - President, CEO & Director Annette Burns - EVP & CFO Conference Call Participants Matthew Breese - Stephens Inc. Manuel Navas - D.A. Davidson Christopher O'Connell - KBW Feddie Strickland - Hovde Research Operator Good day, everyone. seekingalpha.com - 3 weeks ago
Here's What Key Metrics Tell Us About NBT (NBTB) Q1 Earnings Although the revenue and EPS for NBT (NBTB) give a sense of how its business performed in the quarter ended March 2025, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 3 weeks ago
NBT Bancorp (NBTB) Tops Q1 Earnings and Revenue Estimates NBT Bancorp (NBTB) came out with quarterly earnings of $0.80 per share, beating the Zacks Consensus Estimate of $0.76 per share. This compares to earnings of $0.68 per share a year ago. zacks.com - 3 weeks ago
NBT Bancorp Inc. Announces First Quarter 2025 Net Income NORWICH, N.Y., April 24, 2025 (GLOBE NEWSWIRE) -- NBT Bancorp Inc. (“NBT” or the “Company”) (NASDAQ: NBTB) reported net income and diluted earnings per share for the three months ended March 31, 2025. globenewswire.com - 3 weeks ago
Are You Looking for a High-Growth Dividend Stock? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does NBT Bancorp (NBTB) have what it takes? zacks.com - 4 weeks ago
Why NBT Bancorp (NBTB) is a Great Dividend Stock Right Now Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does NBT Bancorp (NBTB) have what it takes? zacks.com - 1 month ago
Why NBT Bancorp (NBTB) is a Top Dividend Stock for Your Portfolio Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does NBT Bancorp (NBTB) have what it takes? zacks.com - 2 months ago
NBT Bancorp (NBTB) is a Top Dividend Stock Right Now: Should You Buy? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does NBT Bancorp (NBTB) have what it takes? zacks.com - 2 months ago
NBT Bancorp (NBTB) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does NBT Bancorp (NBTB) have what it takes? zacks.com - 3 months ago
NBT Bancorp Inc. (NBTB) Q4 2024 Earnings Call Transcript NBT Bancorp Inc. (NASDAQ:NBTB ) Q4 2024 Earnings Conference Call January 28, 2025 10:00 AM ET Company Participants Scott Kingsley - President & CEO Annette Burns - CFO Conference Call Participants Steve Moss - Raymond James Christopher O'Connell - KBW Manuel Navas - D.A. Davidson Matt Breese - Stephens Steve Moss - Raymond James Operator Good day, everyone. seekingalpha.com - 3 months ago
Are You Looking for a High-Growth Dividend Stock? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does NBT Bancorp (NBTB) have what it takes? zacks.com - 3 months ago
8. Profile Summary

NBT Bancorp Inc. NBTB

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 2.03 B
Dividend Yield 0.79%
Description NBT Bancorp Inc., a financial holding company, provides commercial banking, retail banking, and wealth management services. Its deposit products include demand deposit, savings, negotiable order of withdrawal, money market deposit, and certificate of deposit accounts. The company's loan portfolio comprises commercial and industrial, commercial real estate, agricultural, and commercial construction loans; indirect and direct consumer, home equity, mortgages, business banking loans, and commercial loans; and residential real estate loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan consulting and recordkeeping services. In addition, the company offers insurance products comprising personal property and casualty, business liability, and commercial insurance, as well as other products and services through 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. As of December 31, 2021, it had 140 branches and 164 ATMs in New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Connecticut, and Maine. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York.
Contact 52 South Broad Street, Norwich, NY, 13815 https://www.nbtbancorp.com
IPO Date March 17, 1992
Employees 2083
Officers Ms. Cynthia A. Smaniotto Senior Vice President & Chief Human Resources Officer Mr. Joseph R. Stagliano Senior Executive Vice President Mr. Kenneth J. Entenmann C.F.A. Senior Vice President, Chief Investment Officer & Chief Economist Mr. Scott A. Kingsley CPA President, Chief Executive Officer & Director Ms. Annette L. Burns Executive Vice President & Chief Financial Officer Ms. Amy C. Wiles Executive Vice President and Chief Credit & Risk Officer Mr. Martin Randolph Sparks Executive Vice President, General Counsel, Chief Ethics Officer & Corporate Secretary Ms. Ruth H. Mahoney Executive Vice President & President of Wealth Management Ms. Florence R. Doller Senior Vice President & Director of Corporate Communications Ms. Shauna M. Hyle Executive Vice President of Retail Community Banking