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    • NBT Bancorp Inc. logo

    NBT Bancorp Inc.

    NBTB | NASDAQ
    Chart Builder DCF Calculator
    $51.19
    -$0.03 (-0.06%)
    Sep 22, 2026, 2:43 PM ET · Market open
    Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

    Market Data

    Market Cap
    $2.66B
    Enterprise Value
    $830.08M
    Beta
    0.48
    Average Volume
    343.13K
    Shares Outstanding (Diluted)
    52.35M
    Shares Change YoY
    11.13%
    Institutional Ownership
    63.46%
    Exchange
    NASDAQ
    ISIN
    US6287781024

    Price Performance

    Price Change 1M
    -2.0%
    Price Change 3M
    6.5%
    Price Change 6M
    20.6%
    Price Change YTD
    23.1%
    Price Change 1Y
    19.6%
    Price Change 3Y
    66.1%
    Price Change 5Y
    46.0%
    1M CAGR (ann.)
    -2.0%
    1Y CAGR (ann.)
    19.9%
    5Y CAGR (ann.)
    11.8%
    All-Time CAGR
    7.4%

    Valuation

    PE Ratio
    12.55
    Forward PE
    11.30
    PEG Ratio
    0.28
    Forward PEG
    1.39
    PS Ratio
    2.99
    Forward PS
    3.30
    PB Ratio
    1.37
    P/FCF Ratio
    11.32
    P/Adj. FCF Ratio
    11.74
    P/OCF Ratio
    10.22
    EV/Sales
    0.93
    EV/EBIT
    2.99
    EV/EBITDA
    2.84
    EV/FCF
    3.53
    Earnings Yield
    8.0%
    FCF Yield
    8.8%
    Adj. FCF Yield
    8.5%

    Financial Health

    Net Cash
    $1.83B
    Total Debt
    $359.48M
    Cash & Short-Term Investments
    $2.19B
    Total Assets
    $16.21B
    Current Ratio
    0.59
    Quick Ratio
    0.59
    Debt / Equity Ratio
    0.24
    Debt / EBITDA
    1.23
    Debt / FCF
    1.53
    OCF / Debt
    0.69
    Interest Coverage
    1.35
    Altman Z-Score
    0.21
    Piotroski F-Score
    8

    Margins & Profitability

    Gross Profit Margin
    76.6%
    Operating Profit Margin
    31.1%
    EBITDA Margin
    31.9%
    Net Profit Margin
    22.6%
    FCF Margin
    26.4%
    Adj. FCF Margin
    25.5%
    SBC / Revenue
    0.9%
    SBC Impact (per share)
    -3.6%

    Returns

    Return on Assets
    1.3%
    Return on Equity
    11.3%
    Return on Invested Capital
    1.3%
    Return on Capital Employed
    1.7%
    Return on Tangible Assets
    1.4%

    Historical Growth (CAGR)

    Revenue CAGR 3Y
    15.7%
    Revenue CAGR 5Y
    12.7%
    Revenue CAGR 10Y
    8.5%
    EPS CAGR 3Y
    8.2%
    EPS CAGR 5Y
    3.6%
    EPS CAGR 10Y
    8.7%
    FCF CAGR 3Y
    13.1%
    FCF CAGR 5Y
    11.3%
    FCF CAGR 10Y
    7.4%

    Analyst Forecasts

    Analyst Rating
    Hold
    Analyst Count
    10
    EPS Growth Next 3Y
    N/A
    Revenue Growth Next 3Y
    N/A
    Earnings Date
    Oct 25, 2026
    EPS Estimate (next Q)
    $1.09
    EPS Growth Est (next Q)
    3.8%
    Revenue Est (next Q)
    $193.72M
    Revenue Growth Est (next Q)
    5.9%

    Fair Value Estimates

    Graham Number
    $58.48
    Graham Upside
    14.2%
    Lynch Fair Value
    $20.40
    Lynch Upside
    -60.2%
    Price Target
    $56.67
    Price Target Upside
    10.6%

    Cash Flow

    Operating Cash Flow
    $246.25M
    Free Cash Flow
    $235.26M
    Adj. Free Cash Flow
    $226.89M
    FCF Per Share
    $4.71
    OCF Per Share
    $5.01
    OCF/S Ratio
    27.7%

    Income Statement

    Revenue
    $890.36M
    Gross Profit
    $723.81M
    Operating Income
    $277.31M
    EBITDA
    $292.54M
    Net Income
    $214.15M
    EPS (Diluted)
    $4.08
    Revenue / Employee
    $386.61K
    Profit / Employee
    $92.99K
    Employees
    2,303

    Dividends

    Annual Dividend
    $1.51
    Dividend Yield
    2.95%
    Payout Ratio
    37.0%
    FCF Payout Ratio
    32.2%
    Adj. FCF Payout Ratio
    33.4%
    Dividend Growth (YoY)
    8.6%
    Pay Frequency
    Quarterly
    Ex-Dividend Date
    Aug 31, 2026

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