Stock AnalizNbt Bancorp Inc. NBTB
Major Banks · data as of November 13, 2026
Nbt Bancorp Inc. (NBTB) is a financial company listed in the US with a market value of about $2.7B. In the twelve months to September 30, 2026 it had revenue of $751M and net income of $218M, a net margin of 29.0%.
Its overall Stock Analiz score is 3.2 out of 5 (average). The strongest part is future growth (4/5); the weakest is track record (2/5).
Key numbers: a P/E of 12.6, a price to free cash flow of 11.1, 5-year revenue growth of 9% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 40% below the current price.
Score: 3.2 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
- Strong R&D investment or growth above 20%
- 5-year revenue growth above 8% a year
Checks not passed
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- 3-year free cash flow growth above 10% a year
- 5-year EPS growth above 10% a year
- 5-year average ROIC above 12%
- ROE above 15%
- Interest covered more than 5 times
- Liabilities below 60% of assets
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $751M | $697M | $577M | $520M | $518M | $479M | $462M | $456M | $430M | $405M | $380M |
| Net income | $218M | $169M | $141M | $119M | $152M | $155M | $104M | $121M | $113M | $82M | $78M |
| Free cash flow | $246M | $219M | $177M | $148M | $176M | $151M | $137M | $147M | $140M | $130M | $107M |
| EPS (diluted) | $4.18 | $3.33 | $2.97 | $2.65 | $3.52 | $3.54 | $2.37 | $2.74 | $2.56 | $0.00 | $0.00 |
| Net margin | 29.0% | 24.3% | 24.4% | 22.8% | 29.4% | 32.3% | 22.6% | 26.6% | 26.2% | 20.3% | 20.6% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 6 analysts is $57.17, 8% above the current price; targets range from $54.00 to $62.00; the consensus rating is “Hold”; expected EPS is $4.19 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Nbt Bancorp’s P/E ratio?
About 12.6, based on the last twelve months of diluted earnings per share (forward P/E about 11.9).
Is Nbt Bancorp stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 40% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Nbt Bancorp pay a dividend?
Yes. The dividend yield is about 3.02%, and it has paid dividends for 10 years in our data.
Is Nbt Bancorp a good stock to buy?
We do not give buy or sell advice. Nbt Bancorp scores 3.2 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.