NBT Bancorp Inc.
General ticker "NBTB" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $2.0B (TTM average)
NBT Bancorp Inc. follows the US Stock Market performance with the rate: 53.9%.
Estimated limits based on current volatility of 0.8%: low 50.44$, high 51.25$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-06-01, amount 0.37$ (Y2.89%)
- Total employees count: 2083 (+2.4%) as of 2024
- 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 10.8% 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: [33.84$, 46.21$]
- 2026-12-31 to 2027-12-31 estimated range: [32.82$, 45.35$]
Financial Metrics affecting the NBTB estimates:
- Negative: with PPE of 11.2 at the end of fiscal year the price was very high
- Positive: Operating profit margin, % of 31.48 > 18.77
- Positive: 6.77 < Operating cash flow per share per price, % of 11.78
- Positive: -3.10 < Return on assets ratio (scaled to [-100,100]) of 1.05
- Negative: Shareholder equity ratio, % of 11.85 <= 18.97
- Positive: Investing cash flow per share per price, % of 8.47 > -0.64
- Positive: Industry operating cash flow per share per price (median), % of 10.78 > 10.39
- Positive: Industry operating profit margin (median), % of 24.03 > 9.99
- Positive: Industry earnings per price (median), % of 7.57 > 4.32
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.