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Upturn AI Summary - About
NBT Bancorp Inc(NBTB)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for NBTB
09/25/2026: NBTB (2-star) is currently NOT-A-BUY. Pass it for now.
NBT Bancorp Inc is a well-established regional banking institution known for its conservative management and consistent dividend history. The company benefits from a stable core deposit base and localized expertise in the Northeastern United States, which helps maintain strong customer loyalty. Its primary growth opportunity lies in strategic regional acquisitions and the expansion of its fee-based wealth management services. However, the company faces risks related to geographic concentration, interest rate sensitivity, and intensifying digital competition. NBT Bancorp may best suit dividend-oriented and risk-averse investors who prioritize capital stability and steady income, though stakeholders should monitor the effective integration of new market entries.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | NBT Bancorp is a mature regional bank offering moderate growth rather than aggressive expansion. |
| Momentum investor | Weak fit | The stock is generally stable and lacks the high volatility required for momentum strategies. |
| Value investor | Mixed fit | Valuation is often tied to interest rate cycles, making timing essential for value-focused investors. |
| Dividend investor | Strong fit | The company maintains a reliable track record of dividend payments for income-oriented shareholders. |
| Low-risk investor | Strong fit | NBT's conservative banking model and stable history make it suitable for risk-averse portfolios. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock price is sensitive to macroeconomic shifts and interest rate volatility. |
| Valuation risk | Medium | Bank valuations are cyclically influenced, which may lead to periods of relative over- or under-pricing. |
| Competition risk (Banking) | Medium / high | Intense competition from larger regional banks and digital entrants threatens margins. |
| Business quality | Medium | The company has a solid reputation but lacks the scale of national industry leaders. |
| Dividend income | Low | Dividends are well-supported by earnings, presenting relatively low risk to income stability. |
| Execution risk | Medium | Success depends on the effective integration of future acquisitions and digital platform adoption. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 11.3% | Avg. Invested days 41 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/25/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.68B USD | Price to earnings Ratio 12.55 | 1Y Target Price 56.83 |
Price to earnings Ratio 12.55 | 1Y Target Price 56.83 | ||
Volume (30-day avg) 306.3K shares | Beta 0.48 | 52 Weeks Range 37.91 - 54.08 | Updated Date 09/27/2026 |
52 Weeks Range 37.91 - 54.08 | Updated Date 09/27/2026 | ||
Dividends yield (FY) 2.89% | Basic EPS (TTM) 4.11 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and retail loans minus interest paid on deposits. | This is the primary way the bank makes money; it earns more from lending than it pays for deposits. |
| Non-Interest Income | Service fees, wealth management fees, and transaction charges. | This provides a steady, fee-based revenue stream that is less dependent on interest rate changes. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 12.55 | Forward PE 13.4 | Enterprise Value 2.86B | Price to Sales(TTM) 3.7 |
Enterprise Value 2.86B | Price to Sales(TTM) 3.7 | ||
Enterprise Value to Revenue 3.97 | Enterprise Value to EBITDA - | Shares Outstanding 51.96M | Shares Floating 50.95M |
Shares Outstanding 51.96M | Shares Floating 50.95M | ||
Percent Insiders 2.83 | Percent Institutions 69.47 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About NBT Bancorp Inc
Exchange NASDAQ | Headquarters Norwich, NY, United States | ||
IPO Launch date 1992-03-17 | President, CEO & Director Mr. Scott A. Kingsley CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 2303 | Website https://www.nbtbancorp.com |
Full time employees 2303 | Website https://www.nbtbancorp.com | ||
NBT Bancorp Inc., a financial holding company, provides personal and commercial banking, retail banking, and wealth management services in the United States. It operates through Banking, Retirement Plan Administration, and All Other segments. The company offers demand deposit, savings, interest-bearing checking, money market deposit, and certificate of deposit accounts; and indirect and direct consumer loans, home equity loans and lines of credit, residential mortgages, business banking loans, commercial and industrial loans, agricultural loans, commercial construction loans, commercial real estate loans, indirect auto loans, and other consumer loans, as well as agricultural lending, personal lines of credit, overdraft protection, and second mortgage loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan and health savings account recordkeeping and administration, and actuarial services. In addition, the company offers insurance products, such as personal property and casualty, business liability, and commercial insurance; and other products and services through a network of ATM locations and 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. Further, it operates as a property management and passive investment company, as well as investment advisor that provides investment management and financial consulting services. The company serves retail, commercial, and municipal customers. It operates in upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York.
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