Financial Services
NBT Bancorp Inc.(NBTB)
Live Price
Offline$46.68
+0.71% today
1Y Change
+14.89%
Window
Jun 25, 2025 โ Jun 18, 2026
- Market Cap
- $2.31B
- Revenue Growth
- +10.4%
- EPS Growth
- +12.1%
- Dividend Yield
- 3.3%
Coverage: 247 bars ยท Jun 25, 2025 โ Jun 18, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
NBT Bancorp Inc. (NBTB) is a Financial Services stock with a market cap of $2.31B and listed on NASDAQ. The stock last traded around $46.68 and up 14.9% across the available one-year price window (Jun 25, 2025 โ Jun 18, 2026). Baseline metrics include revenue growth of +10.4%, EPS growth of +12.1%, a dividend yield of 3.3%. What stands out right now is revenue +10.4%, EPS +12.1%, free cash flow +23.8% with operating margin 25.6% and ROIC 1.1%. The dividend matters to the case here, with a current yield around 3.3%. Valuation is more restrained than many high-expectation growth names at P/E 12.6 and price/sales 2.5. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines NBTB price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+10.4% vs +3.4% peer median
Operating Margin
Above sector median
+25.6% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 23, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +10.4% and EPS at +12.1%, with operating margin around 25.6%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 3.3%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +0.0% over the next 5 trading days and finished higher after 2 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 23, 2026 | โ | -4.5% | -3.5% | +1.3% |
2026 Jan 26, 2026 | +6.1% | -1.1% | +3.4% | +0.0% |
2025 Oct 27, 2025 | +8.5% | +1.4% | +0.2% | +1.0% |
Benchmark Edge
NBTB vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
NBTB
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
NBTB Max Drawdown
-12.93%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for NBTB and SPY.
Company Overview
NBT Bancorp Inc.
NASDAQ Global Select
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.
- Leadership
- Scott A. Kingsley
- IPO Date
- Mar 17, 1992
- Employees
- 2.1k
- Street Address
- 52 South Broad Street
- Mailing
- Norwich, NY, 13815
- Region
- Norwich, NY, US
- Reporting Currency
- USD
- Investor Line
- 607 337 2265
- Last Updated
- May 2, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 12.6
- EV/EBITDA
- 9.1
- Price/Sales
- 2.5
- Price/Book
- 1.2
Growth
- Revenue
- +10.4%
- EPS
- +12.1%
- Free Cash Flow
- +23.8%
Profitability
- Gross Margin
- 74.5%
- Operating Margin
- 25.6%
- Net Margin
- 19.7%
- ROE
- 9.8%
- ROIC
- 1.1%
Balance Sheet
- Debt/Equity
- 0.08
- Current Ratio
- 1.29
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.