N B T BANCORP INC
NBTBNASDAQTrading Snapshot
- Day Range
- $743.94 – $758.95
- 52-Week Range
- $39.20 – $54.50
- Volume
- $2.62B
- Avg Volume
- $3.48B
- Shares Outstanding
- 52.0M
- Next Earnings
- Nov 25, 2026
Fundamentals Snapshot
- Annual Revenue
- $867M
- Last Q Revenue
- $235M
- P/E Ratio
- 12.4
- P/S Ratio
- 3.3x
- EPS (TTM)
- $4.09
- Dividend Yield
- 2.91%
- Dilution (1yr)
- +10.6%
Why Investors Own NBTB
- ✓High-growth profile — revenue up +7.7% YoY with expanding US Equity exposure.
- ✓Healthy economics — 29% gross margin and 24% free-cash-flow margin.
- ✓New products and segments could unlock additional revenue streams.
Execution delays, intensifying competition, and valuation compression if growth decelerates.
N B T BANCORP INC
NBTB
StockOtter · stockotter.spaceAbout N B T BANCORP INC
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.
Otter Score Breakdown
How it's scoredFive components, each rated 1–5★ and equally weighted (20%), averaged to a 0–100 score:💎 Quality — gross margin🚀 Growth — revenue YoY⚖️ Valuation — P/S ratio⚡ Momentum — 30-day price change💧 Dilution — 1-yr share issuance (buybacks score higher)Analyst Price Target
ⓘLatest News & Updates
N B T BANCORP INC tops quarterly estimates as demand accelerates
Revenue grew double digits with management guiding above consensus; margins continued to expand.
Analysts lift NBTB price targets on improving margins
Several firms raised targets, citing stronger free cash flow and a healthier backlog.
N B T BANCORP INC announces new agreement to expand its footprint
The move broadens the company’s reach and could add incremental revenue over the next year.