NBT Bancorp Inc.
NBTB
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Bull / bear case
Site-generated summary from fundamentals, news, and score — not investment advice. As of 2026-10-08.
- NBT Bancorp Inc. operates in a stable regional banking sector, which benefits from consistent demand for financial services and a growing economy.
- In the most recent quarter, NBTB reported a revenue increase of 1% compared to the prior quarter, reaching $186 million.
- The company has shown significant earnings growth of 131.8% over the past year.
- The stock has a strong sell signal with a score of -25.00, indicating negative market sentiment.
- NBTB's trailing P/E ratio is 12.39, which is relatively low compared to industry averages, suggesting potential undervaluation or lack of growth prospects.
- The revenue growth rate of 17.8% is positive, but the overall trend shows a decline in quarterly performance with net income decreasing from $55.509 million in Q4 2025 to $53.03 million in Q2 2026.
Fundamentals
| Market cap | $2.63B | Enterprise value | $2.80B | Trailing P/E | 12.35 | Forward P/E | 11.07 |
| PEG | 2.66 | Price / book | 1.35 | Beta | 0.50 | Dividend yield | 3.17% |
| Revenue growth | 17.8% | Earnings growth | 131.8% | Gross margin | 0.0% | Operating margin | 41.4% |
| Profit margin | 29.6% | ROE | 11.4% | ROA | 1.3% | Debt / equity | — |
| Current ratio | — | Free cash flow | — | Analyst recommendation | hold | Mean target | $57.50 |
| 52w high | $54.50 | 52w low | $39.20 |
Quarterly
| 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | |
|---|---|---|---|---|---|
| Revenue | $186M | $184M | $184M | $185M | $171M |
| Op margin | — | — | — | — | — |
| Net income | $53.0M | $51.1M | $55.5M | $54.5M | $22.5M |
| Gross margin | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
- Revenue +1% vs prior quarter ($186M vs $184M).
Yearly (6y)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Revenue | $694M | $574M | $518M | $515M | — |
| Op margin | — | — | — | — | — |
| Net income | $169M | $141M | $119M | $152M | — |
| Gross margin | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
No flags
• No distress or material-risk keywords in recent headlines (keyword scan only — not a guarantee).
News
2026-10-01 · NBT Bancorp Inc. Announces Date of Third Quarter Conference Call
2026-09-29 · Q2 Earnings Highlights: NBT Bancorp (NASDAQ:NBTB) Vs The Rest Of The Regional Banks Stocks
2026-09-21 · Kimberly A. Boynton Named to NBT Board of Directors
2026-09-02 · Angela M.W. Kelley to join Associated Bank as General Counsel
2026-08-27 · 3 Reasons to Sell NBTB and 1 Stock to Buy Instead
2026-08-21 · 3 Hyped Up Stocks We Keep Off Our Radar
2026-08-06 · Executive Sells 9,000 Shares of Regional Bank, Valued at $486,400
2026-08-03 · NBT Bancorp’s Q2 Earnings Call: Our Top 5 Analyst Questions
2026-07-31 · 3 Russell 2000 Stocks We Find Risky
2026-07-29 · NBTB Q2 Deep Dive: Loan Growth and Deposit Mix Drive Mixed Results
2026-07-29 · NBT Bancorp (NBTB) Looks Fully Valued After Q2 Earnings And Dividend Hike
2026-07-28 · NBT Bancorp Inc (NBTB) Q2 2026 Earnings Call Highlights: Strong Earnings Growth and Dividend ...
Price (daily)
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