NBT Bancorp Inc.
General ticker "NBTB" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $2.1B (TTM average)
NBT Bancorp Inc. follows the US Stock Market performance with the rate: 54.5%.
Estimated limits based on current volatility of 0.9%: low 50.16$, high 51.02$
Factors to consider:
- Earnings expected soon, date: 2026-10-27 amc
- Company pays dividends (quarterly): last record date 2026-09-01, amount 0.40$ (Y3.15%)
- Total employees count: 2303 (+10.6%) as of 2025
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Economic downturns and volatility, Liquidity and credit risks, Regulatory and compliance, Cybersecurity threats, Interest rate risk
- Current price 10.0% above estimated high
- Earnings for 6 months up through Q2 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [33.85$, 46.22$]
- 2026-12-31 to 2027-12-31 estimated range: [32.83$, 45.36$]
Financial Metrics affecting the NBTB estimates:
- Positive: with PPE of 11.2 at the end of fiscal year the price was neutral
- Positive: 22.58 < Operating profit margin, % of 31.48
- Positive: 11.37 < Operating cash flow per share per price, % of 11.78
- Positive: 7.04 < Shareholder equity ratio, % of 11.85 <= 12.78
- Negative: 0 < Industry inventory ratio change (median), % of 0
- Positive: Industry earnings per price (median), % of 7.57 > 6.58
- Negative: Industry operating profit margin (median), % of 24.03 <= 26.54
- Negative: -0.37 < Inventory ratio change, % of 0
Short-term NBTB quotes
Long-term NBTB plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $520.40MM | $576.95MM | $697.04MM |
| Operating Expenses | $366.94MM | $397.49MM | $477.60MM |
| Operating Income | $153.46MM | $179.46MM | $219.44MM |
| Interest Expense | $144.57MM | $211.55MM | $209.45MM |
| Income(Loss) | $153.46MM | $179.46MM | $219.44MM |
| Taxes | $34.68MM | $38.82MM | $50.21MM |
| Net Income(Loss)* | $118.78MM | $140.64MM | $169.24MM |
| Stockholders Equity | $1,425.69MM | $1,526.14MM | $1,896.22MM |
| Assets | $13,309.04MM | $13,786.67MM | $15,995.12MM |
| Operating Cash Flow | $157.46MM | $188.57MM | $235.22MM |
| Capital expenditure | $9.25MM | $11.74MM | $16.30MM |
| Investing Cash Flow | $-44.23MM | $-399.16MM | $169.07MM |
| Financing Cash Flow | $-105.39MM | $289.46MM | $-201.23MM |
| Earnings Per Share** | $2.67 | $2.98 | $3.59 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.