NBTB NBT Bancorp Inc
$50.78
▲ 0.1%Updated Oct 16, 2:25 PM ET
Report Card
NBTB at a glance — five pillars scored 0–100 from real filed financials.
How the 0–100 rating is calculatedOverall: not rated yet. This stock's fundamentals ratios aren't loaded, so only the pillars its filings support are scored.
Key Metrics
Market Cap
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P/E
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Forward P/E (est.)
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ROE
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Revenue Growth
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EPS Growth
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Profit Margin
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FCF Yield
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Debt / Equity
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ROIC
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Interest Coverage
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Current Ratio
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Dividend Yield
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Implied Growth (rev. DCF)
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Rating Score
Not rated
Business Overview
NBT Bancorp Inc (NBTB) is a NASDAQ-listed company in the Banking industry, within the Financials sector.
In its latest reported year it generated about $182.95M in revenue and $169.24M in net profit.
Our model hasn't rated NBTB yet because its fundamentals ratios (P/E, margins, returns on capital, leverage) aren't loaded. Any financial history below comes straight from its SEC filings and refreshes automatically.
Revenue Growth
4Y CAGR
4.9%
Revenue moved from $111.16M in 2016 to $182.95M in 2025, a 5.7% compound annual growth rate. The most recent year was roughly steady year over year. Slower, mature growth is common for established businesses.
Profitability
Gross Margin
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Operating Margin
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Net Margin
92.5%
ROE
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Debt Analysis
Total Debt
$73.72M
Net Debt
-$1.27B
Net cash position
Net Debt / EBITDA
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Debt / Equity
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Leverage: debt-to-equity is n/a. Detailed balance-sheet leverage is limited for this name. It carries roughly $73.72M of total debt against $1.35B of cash.
Cash Flow Analysis
Operating CF
$235.22M
Free Cash Flow
$218.92M
FCF Margin
119.7%
In the latest year NBT Bancorp Inc produced about $235.22M of operating cash flow and $218.92M of free cash flow after capital spending. Cash flow is what ultimately pays shareholders, so it is worth tracking over time.
Dividend Safety
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
What to look for in a dividend stockThe payout is comfortably covered by cash the business actually generates, with a raise habit behind it.
Per share (latest FY)
$1.42
Total paid (latest FY)
$72.59M
History on record
10 years
dividend uses 33% of free cash flow
43% of net income paid out
total dividends increased 9 years in a row
no cuts in the last 10 years on record
Coverage uses the latest fiscal year as filed with the SEC; the streak counts total dollars paid (per-share figures can carry split artifacts). Educational information, not income advice.
Valuation Analysis
P/E
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P/S
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P/B
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EV / EBITDA
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NBTB trades at n/a trailing earnings. Its valuation ratios aren't loaded yet, so there is no P/E to judge here.
DCF Fair Value (Educational)
A two-stage discounted cash flow on real SEC-filed free cash flow — the intrinsic-value anchor professional analysts triangulate from.
How this DCF estimate is calculatedDCF fair value / share
$72.34
Current price
$50.78
Starting FCF (latest 10-K)
$218.92M
Growth, years 1–5
4.0%
Fade to terminal, years 6–10
2.5%
Discount rate
9.0%
Cash flows grow at the stage-1 rate (trailing revenue growth, capped at 20%) for five years, fade to 2.5% by year 10, and continue at that rate forever (Gordon terminal value), all discounted at 9.0%. Small changes in assumptions move the result a lot — treat this as one reference point, not a target price. Educational only, not investment advice.
Metrics vs. Sector Range
Where NBTB sits versus the Financials companies we cover.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in our coverage that have fundamentals data — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
Sector Peer Comparison
How NBTB stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
NBTB doesn't have a model rating yet (its fundamentals ratios aren't loaded), so it isn't ranked against the 141 rated Financials companies we cover.
P/E vs sector
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median 14.9x
ROE vs sector
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median 13.6%
Growth vs sector
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median 15.9%
Sector rank
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not rated yet
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size, preferring ones with full data. Sector medians and rank use the 141 rated companies among the 289 Financials stocks we cover. Educational, not a recommendation.
5-Year Projection Model
Project revenue → earnings → price. Edit the assumptions to build your own case.
What drives this projection, and its limits2030 scenario price range (Base Case)
$31.04 – $51.74
vs. $50.78 today · implied CAGR -9% – 0%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $197.59M | $213.40M | $230.47M | $248.90M | $268.82M |
| Net income | $98.79M | $106.70M | $115.23M | $124.45M | $134.41M |
| EPS | $1.90 | $2.05 | $2.22 | $2.40 | $2.59 |
| Share price (low) | $22.82 | $24.64 | $26.61 | $28.74 | $31.04 |
| Share price (high) | $38.03 | $41.07 | $44.35 | $47.90 | $51.74 |
| CAGR (low–high) | -55% / -25% | -30% / -10% | -19% / -4% | -13% / -1% | -9% / 0% |
Educational scenario model, not a forecast or investment advice. It starts from the latest annual revenue in SEC filings. By default, growth is trailing revenue growth (held between 3% and 45% a year), the net margin is the latest one (held between 3% and 50%, so a loss-making company is modeled with a small profit), and the Base case P/E runs from 60% to 100% of today's. Carrying recent growth forward five years can miss badly in either direction. Outputs are only as good as the assumptions. Growth, margin or P/E data is missing for this stock, so some starting values above are placeholders rather than measurements.
Key Risks
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
Latest SEC Filings
NBTB's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen. How to read a 10-K
NBTB — frequently asked questions
Is NBTB a good stock to buy?
We don't give buy or sell advice. Review NBT Bancorp Inc's fundamentals, valuation, and 5-year financials on this page, then make your own decision — and consider a licensed professional.
Where does NBTB's data come from?
Live price data plus the annual financials in NBT Bancorp Inc's SEC filings, refreshed automatically. Its fundamentals ratios aren't loaded yet, which is why it has no model rating.
How is the 5-year projection for NBTB calculated?
It's a scenario model. It starts from the latest annual revenue and net margin in SEC filings, grows revenue at an assumed rate (trailing revenue growth by default), and applies a P/E range built around today's multiple to show the resulting share-price range. When a stock has no growth or P/E data, the starting values are placeholders. It's a tool for thinking, not a prediction.
Is this NBTB analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell NBTB. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.