NBTB

NBT Bancorp Inc

NBTB, USA

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 indirect and direct consumer, home equity, mortgages, business banking loans, and commercial loans; commercial and industrial, commercial real estate, agricultural, and commercial construction loans; and residential real estate loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan administration and record keeping 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. 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 operates in 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.

https://www.nbtbancorp.com

Stock Price

$ 0.00

0% increase compared to yesterday.

Dividend

Frequency:

Quarterly

Rate:

0.37

Next Payout:

Dec 15, 2025

Yield:

3.3560 %
NBTB
stock
NBTB

Norges Bank Makes New $1.65 Million Investment in NBT Bancorp Inc. $NBTB MarketBeat

Read more →
NBTB
stock
NBTB

(NBTB) Risk Channels and Responsive Allocation news.stocktradersdaily.com

Read more →

Showing 2 of 10

Analyst Ratings & Sentiment

(Last Updated 2025-09-30)

Rating:

BUY

Target Price:

$47.8

Analyst Picks

Strong Buy

3

Buy

0

Hold

3

Sell

0

Strong Sell

0

Sentiment:

Bullish

Finn Analysis

(Last Updated 2025-09-30)

Health Score

Price to Earnings Ratio (P/E)

-

Very High

13.76

Low ≥ 50

High ≤ 10

Price to Book Ratio (P/B)

-

Very Low

1.12

Low ≤ 1

High ≥ 3

Return on Equity (ROE)

-

Very Low

2.94 %

Low ≤ 5%

High ≥ 25%

Return on Assets (ROA)

-

Very Low

0.34 %

Low ≤ 2%

High ≥ 10%

Free Cash Flow - Revenue % (FCF)

-

Very High

31.14 %

Low ≤ 5%

High ≥ 15%

Debt to Equity

-

Very Low

7.69

Low ≥ 1

High ≤ 0.3

Investors

* Institutions hold a combined 76.84% of the total shares of NBT Bancorp Inc

1.

BlackRock Inc

(14.1812%)

since

2025/06/30

2.

Vanguard Group Inc

(11.5926%)

since

2025/06/30

3.

iShares Core S&P Small-Cap ETF

(5.9387%)

since

2025/08/31

4.

State Street Corp

(4.8313%)

since

2025/06/30

5.

Dimensional Fund Advisors, Inc.

(4.3755%)

since

2025/06/30

6.

Vanguard Total Stock Mkt Idx Inv

(2.9968%)

since

2025/07/31

7.

Geode Capital Management, LLC

(2.4788%)

since

2025/06/30

8.

iShares Russell 2000 ETF

(2.3346%)

since

2025/08/31

9.

Vanguard Small Cap Index

(2.3016%)

since

2025/07/31

10.

Vanguard Small Cap Value Index Inv

(1.4828%)

since

2025/07/31

11.

DePrince Race & Zollo Inc

(1.4288%)

since

2025/06/30

12.

Silvercrest Asset Management Group LLC

(1.4214%)

since

2025/06/30

13.

Northern Trust Corp

(1.38%)

since

2025/06/30

14.

Victory Capital Management Inc.

(1.227%)

since

2025/06/30

15.

Charles Schwab Investment Management Inc

(1.1816%)

since

2025/06/30

16.

Vanguard Institutional Extnd Mkt Idx Tr

(1.0681%)

since

2025/07/31

17.

Fidelity Small Cap Index

(0.9817%)

since

2025/06/30

18.

Bank of New York Mellon Corp

(0.9812%)

since

2025/06/30

19.

Morgan Stanley - Brokerage Accounts

(0.9404%)

since

2025/06/30

21.

Manufacturers Life Insurance Co

(0.8609%)

since

2025/06/30

22.

iShares Russell 2000 Value ETF

(0.8047%)

since

2025/08/31

23.

Fuller & Thaler Asset Management Inc

(0.773%)

since

2025/06/30

24.

PL Capital Advisors, LLC

(0.7499%)

since

2025/06/30

25.

FullerThaler Behavioral Sm-Cp Eq R6

(0.7284%)

since

2025/06/30

26.

FullerThaler Behavioral Small-Cap Equity

(0.7284%)

since

2025/06/30

27.

DFA US Targeted Value I

(0.727%)

since

2025/07/31

28.

Dimensional US Targeted Value ETF

(0.6655%)

since

2025/08/29

29.

SPDR® S&P Regional Banking ETF

(0.647%)

since

2025/08/31

30.

Ceredex Value Advisors LLC

(0.638%)

since

2025/06/30

31.

Vanguard Tax-Managed Small Cap Adm

(0.6352%)

since

2025/07/31

32.

Ceredex Small Cap Value Equity

(0.6319%)

since

2025/06/30

33.

UBS Group AG

(0.6051%)

since

2025/06/30

34.

Fidelity Extended Market Index

(0.5411%)

since

2025/07/31

35.

Vanguard Dividend Appreciation ETF

(0.5367%)

since

2025/07/31

36.

DFA US Small Cap I

(0.5254%)

since

2025/07/31

37.

iShares S&P Small-Cap 600 Value ETF

(0.5211%)

since

2025/08/31

38.

NBT Bank National Association

(0.513%)

since

2025/06/30

39.

JPMorgan Chase & Co

(0.5045%)

since

2025/06/30

40.

American Century Companies Inc

(0.4989%)

since

2025/06/30

* Investors data is estimated based on stocks listed on Finnton that are currently held by Institution/Fund.

Earnings History

EPS ActualEPS EstimateEPS DifferenceSurprise Percent

Upcoming Earnings Release

Date

2025-12-31

EPS Estimate

0.99

Latest Release

Date

2025-09-30

EPS Actual

1.05

EPS Estimate

0.97

EPS Difference

0.08

Surprise Percent

8.2474%

Investing Fit Scorecard

(Last Updated 2025-09-30)

Deep Value
Strong Deep Value(6.5)
Defensive
Moderately Defensive(5)
Dividend
Decent Dividend Payer(4)
Economic Moat
Wide Moat Company(7.8)
GARP
Fair GARP(5.5)
Growth
Moderate Growth(5.5)
Momentum
Moderate Momentum(4.5)
Net Net
Not Undervalued (Net-Net)(3)
Quality
Moderate Quality(6)
Value
Undervalued(7.5)

Income Statement

(Last Updated 2025-09-30)

Revenue

$ 0

Cost Of Revenue

$ 0

Gross Profit

$ 0

Operating Expenses

$ 0

Operating Income

$ 0

Interest Expense

$ 0

Pretax Income

$ 0

Net Income

$ 0

Income Tax Expense

$ 0

EBITDA

$ 0

Total Other Income Expense Net

$ 0

Earnings Per Share

0

Dividends Per Share

0

Shares Outstanding

0

Operating Margin

0%

Trend

Balance Sheet

(Last Updated 2025-09-30)

Cash

$ 0

Short Term Investments

$ 0

Receivables

$ 0

Inventories

$ 0

Total Current Assets

$ 0

Property Plant Equipment

$ 0

Total Assets

$ 0

Payables

$ 0

Short Term Debt

$ 0

Long Term Debt

$ 0

Total Liabilities

$ 0

Equity

$ 0

Trend

Cash Flow

(Last Updated 2025-09-30)

Net Income

$ 0

Depreciation

$ 0

Change In Working Capital

$ 0

Cash From Operations

$ 0

Capital Expenditures

$ 0

Cash From Investing

$ 0

Cash From Financing

$ 0

Net Change In Cash

$ 0

Trend

Disclaimer: Finnton is a stock screener tool provided for informational and educational purposes only. The data, analysis, and insights offered on this website do not constitute financial, investment, tax, or legal advice. Users are solely responsible for their own investment decisions, and Finnton makes no guarantees regarding the accuracy, completeness, or reliability of the information provided. Past performance is not indicative of future results. Always conduct your own research and consult with a licensed financial advisor before making any investment decisions.