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Nbt bancorp inc.NBTB.US Overview

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NBTB Recent Performance

-0.26%

Nbt bancorp inc.

10.07%

Avg of Sector

-2.16%

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NBTB Key Information

NBTB Financial Forecast

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QuarterlyEPS ForecastQoQMaxMin
2026Q1
2026Q2
2026Q3
2026Q4
2027Q1

NBTB Profile

NBT Bancorp Inc., a financial holding company, provides commercial banking, retail banking, and wealth management services. Its deposit products include demand deposit, savings, negotiable order of withdrawal, money market deposit, and certificate of deposit accounts. The company's loan portfolio comprises commercial and industrial, commercial real estate, agricultural, and commercial construction loans; indirect and direct consumer, home equity, mortgages, business banking loans, and commercial loans; and residential real estate loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan consulting and recordkeeping services. In addition, the company offers insurance products comprising personal property and casualty, business liability, and commercial insurance, as well as other products and services through 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. As of December 31, 2021, it had 140 branches and 164 ATMs in New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Connecticut, and Maine. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York.

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NBTB FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

NBTB Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
3.23
PE Ratio (TTM)
12.83
Forward PE
9.94
PS Ratio (TTM)
3.30
PB Ratio
1.23
Price-to-FCF
9.66
METRIC
VALUE
vs. INDUSTRY
Gross Margin
92.12%
Net Margin
23.45%
Revenue Growth (YoY)
29.48%
Profit Growth (YoY)
19.28%
3-Year Revenue Growth
23.59%
3-Year Profit Growth
12.85%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
3.23
PE Ratio (TTM)
12.83
Forward PE
9.94
PS Ratio (TTM)
3.30
PB Ratio
1.23
Price-to-FCF
9.66
Gross Margin
92.12%
Net Margin
23.45%
Revenue Growth (YoY)
29.48%
Profit Growth (YoY)
19.28%
3-Year Revenue Growth
23.59%
3-Year Profit Growth
12.85%

  • When is NBTB's latest earnings report released?

    The most recent financial report for Nbt bancorp inc. (NBTB) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating NBTB's short-term business performance and financial health. For the latest updates on NBTB's earnings releases, visit this page regularly.

  • Where does NBTB fall in the P/E River chart?

    According to historical valuation range analysis, Nbt bancorp inc. (NBTB)'s current price-to-earnings (P/E) ratio is 8.81, placing it in the Reasonable zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning conservative. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of NBTB?

    According to the latest financial report, Nbt bancorp inc. (NBTB) reported an Operating Profit of 69.69M with an Operating Margin of 29.25% this period, representing a growth of 53.01% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is NBTB's revenue growth?

    In the latest financial report, Nbt bancorp inc. (NBTB) announced revenue of 238.25M, with a Year-Over-Year growth rate of 62.82%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much debt does NBTB have?

    As of the end of the reporting period, Nbt bancorp inc. (NBTB) had total debt of 191.25M, with a debt ratio of 0.01. Short-term debt comprises a higher/lower proportion. The level of financial leverage directly impacts the company's capital structure and interest coverage. If debt is high, pay attention to interest expenses and refinancing risks. Conversely, a low-leverage structure indicates greater risk tolerance but potentially less growth flexibility.

  • How much cash does NBTB have?

    At the end of the period, Nbt bancorp inc. (NBTB) held Total Cash and Cash Equivalents of 185.16M, accounting for 0.01 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does NBTB go with three margins increasing?

    In the latest report, Nbt bancorp inc. (NBTB) achieved the “three margins increasing” benchmark, with a gross margin of 76.13%%, operating margin of 29.25%%, and net margin of 23.3%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess NBTB's profit trajectory and future growth potential.

  • Is NBTB's EPS continuing to grow?

    According to the past four quarterly reports, Nbt bancorp inc. (NBTB)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 1.06. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of NBTB?

    Nbt bancorp inc. (NBTB)'s Free Cash Flow (FCF) for the period is 74.35M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 55.46% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of NBTB?

    The latest valuation data shows Nbt bancorp inc. (NBTB) has a Price-To-Earnings (PE) ratio of 8.81 and a Price/Earnings-To-Growth (PEG) ratio of 4.58. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.