NBT Bancorp Inc.

NMS: NBTB
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📈 ZcoreAI Score

Our AI model analyzes NBT Bancorp Inc.'s price action across multiple timeframes using regression channels and statistical scoring.

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About NBT Bancorp Inc.

Financial Services Banks - Regional
NBT Bancorp Inc., a financial holding company, provides personal and commercial banking, retail banking, and wealth management services in the United States. It operates through Banking, Retirement Plan Administration, and All Other segments. The company offers demand deposit, savings, interest-bearing checking, money market deposit, and certificate of deposit accounts; and indirect and direct consumer loans, home equity loans and lines of credit, residential mortgages, business banking loans, commercial and industrial loans, agricultural loans, commercial construction loans, commercial real estate loans, indirect auto loans, and other consumer loans, as well as agricultural lending, personal lines of credit, overdraft protection, and second mortgage loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan and health savings account recordkeeping and administration, and actuarial services. In addition, the company offers insurance products, such as personal property and casualty, business liability, and commercial insurance; and other products and services through a network of ATM locations and 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. Further, it operates as a property management and passive investment company, as well as investment advisor that provides investment management and financial consulting services. The company serves retail, commercial, and municipal customers. It operates in upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York.

📊 Fundamental Analysis

NBT Bancorp Inc. demonstrates a healthy profit margin of 25.5%.

The company recently reported 24.0% revenue growth, which is well above average for the Financial Services sector.

Return on Equity (ROE) is 9.9%, which suggests room for improvement in capital utilization.

At a current price of $45.16, NBTB currently sits at the 80th percentile of its 52-week range (Range: $38.15 - $46.92).

💰 Valuation Insight

NBTB is valued broadly in line with the sector at a PE of 13.56. Analysts expect earnings growth, as indicated by a lower forward PE.

🏥 Financial Health

⚠️ Profit Margin Moderate
Revenue Growth Excellent
🔴 Return on Equity Weak
Beta (Risk) Low Volatility

Key Financials

Market Cap
$2.36B
Trailing P/E
13.56
Forward P/E
9.84
Beta (5Y)
0.47
52W High
$46.92
52W Low
$38.15
Avg Volume
237K
Day High
Day Low
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