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Company Analysis

NBT Bancorp Inc. NBTB

A comprehensive view of key metrics, scores, and financial health for NBT Bancorp Inc.

Overview of NBT Bancorp Inc.

NBTB NMS
Financial Services Banks - Regional Mid Cap
NBT Bancorp Inc. (NBTB), is a Mid Cap company, in the Banks - Regional industry, last closed at $41.47, about 11.9% overvalued vs fair value, -5.0% 1Y return, placing in the top 25% of its sector.
$41.47
0.53%
As of March 13, 2026
Previous close • Vol 90d: 25.3%
52-Week Range
Market Cap
$2.17B
Enterprise Value
$2.18B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.nbtbancorp.com
HQ Norwich, NY
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$20
$37
$68
Current: $41.47 -12% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$611.7M
17%%
Interest Expense
$209.4M
Net Interest Income
$400.1M
5.8%%
Total Revenue
$867.4M
51%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
9.2%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$72.8M
51.8% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating NBT Bancorp Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
63
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
60
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing NBTB's balance between Growth (34.0%), Profitability (33.1%), and Safety (33.0%). Growth 34% Safety 33% Profitability 33%

Click axes to expand details. Marker shows current allocation.

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Growth

59th percentile vs peers
60
Key Signals
Asset Growth YoY 16.0% 87p Rev Growth YoY 51.0% 43p Revenue CAGR 3Y 19.0% 51p
Strengths
  • Asset Growth Yoy in top 20% of peers (16.0%, 87th percentile)
Risks

No significant risks identified for this axis.

Profitability

58th percentile vs peers
58
Key Signals
Strengths
Risks
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Safety

57th percentile vs peers
58
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for NBT Bancorp Inc..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$36.52
- - -
-11.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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