NBT Bancorp Inc. (NBTB) AI Stock Analysis

NBT Bancorp Inc., established in 1856 and headquartered in Norwich, New York, is a financial holding company providing commercial banking, retail banking, and wealth management services. Its deposit products include demand deposits, savings accounts, NOW accounts, money market accounts, and certificates of deposit. Lending operations span commercial and industrial loans, commercial real estate financing, agricultural loans, commercial construction loans, and residential mortgages, along with consumer and home equity loans. The company also offers trust and investment services, financial planning, life insurance, and retirement plan consulting and recordkeeping.

Annual revenue expanded from $494.8M in FY2021 to $867.4M in FY2025, reflecting a 5-year revenue CAGR of 12.0%. Net income rose to $169.2M in FY2025 from $140.6M in FY2024, though net margin settled at 19.5% compared to 31.3% in FY2021. For the trailing twelve months ended June 30, 2026, revenue stood at $723.8M with a profit margin of 29.6% and EPS of $4.09. In the latest quarter ended June 30, 2026, quarterly revenue growth reached 17.8% year-over-year, while quarterly earnings grew 131.8% year-over-year.

As of June 30, 2026, NBT Bancorp held $187.2M in cash and short-term investments against total debt of $471.2M, resulting in net debt of $284.0M. Total assets were $16.21B and shareholders' equity stood at $1.94B, supported by a debt-to-equity ratio of 0.24 and a current ratio of 0.59. In FY2025, the company generated operating cash flow of $235.2M and free cash flow of $218.9M. Capital allocation in FY2025 included $16.3M in capital expenditures, $72.6M in dividends paid, and $10.2M directed toward share buybacks.

NBT Bancorp trades at a trailing P/E of 12.4x and a forward P/E of 13.4x, compared to medians of 12.1x and 10.8x, respectively, for its US-listed Financial Services peer group. Its price-to-sales ratio is 3.7x versus the peer median of 3.2x, while its price-to-book ratio stands at 1.4x. Over the past 12 months, the stock posted a 32.8% return, ahead of the 16.8% return for the S&P 500 (SPY). Over a 5-year span, the stock gained 62.8%, trailing the SPY gain of 83.0%.

NBT Bancorp provides an annual forward dividend of $1.60 per share, representing a dividend yield of 3.15%. The company has paid consecutive dividends for 35 years and maintains a payout ratio of 37.0%. Over the past 5 years, the annualized dividend growth rate was 5.6%, with the last ex-dividend date occurring on September 1, 2026.

Wall Street coverage includes 1 Strong Buy, 1 Buy, and 5 Hold ratings, with no Sell recommendations. The mean price target is $57.50, implying a 13.1% upside compared to the last close of $50.85. For the fiscal year ending December 31, 2026, analysts estimate EPS of $4.18 and revenue of $759.7M. The company beat EPS estimates in 2 of the last 4 quarters, and its next earnings date is October 27, 2026.

This page is an AI-written research summary of NBT Bancorp Inc. (NBTB). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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