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Upturn AI SWOT - About
NBT Bancorp Inc (NBTB)
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Upturn Advisory Summary
07/03/2025: NBTB (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $50.4
1 Year Target Price $50.4
| 3 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -10.26% | Avg. Invested days 32 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 07/03/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.30B USD | Price to earnings Ratio 14.48 | 1Y Target Price 50.4 |
Price to earnings Ratio 14.48 | 1Y Target Price 50.4 | ||
Volume (30-day avg) 6 | Beta 0.57 | 52 Weeks Range 36.26 - 51.64 | Updated Date 07/4/2025 |
52 Weeks Range 36.26 - 51.64 | Updated Date 07/4/2025 | ||
Dividends yield (FY) 3.27% | Basic EPS (TTM) 3.03 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.21% | Operating Margin (TTM) 35.96% |
Management Effectiveness
Return on Assets (TTM) 1.05% | Return on Equity (TTM) 9.55% |
Valuation
Trailing PE 14.48 | Forward PE 13.4 | Enterprise Value 2022260352 | Price to Sales(TTM) 4.04 |
Enterprise Value 2022260352 | Price to Sales(TTM) 4.04 | ||
Enterprise Value to Revenue 4.25 | Enterprise Value to EBITDA - | Shares Outstanding 52381000 | Shares Floating 45822979 |
Shares Outstanding 52381000 | Shares Floating 45822979 | ||
Percent Insiders 2.81 | Percent Institutions 60.86 |
Upturn AI SWOT
NBT Bancorp Inc
Company Overview
History and Background
NBT Bancorp Inc. was founded in 1856 as the National Bank of Norwich in Norwich, New York. It has grown through organic expansion and acquisitions to become a financial holding company providing banking and financial services.
Core Business Areas
- Commercial Banking: Offers a range of lending, deposit, and cash management services to businesses.
- Retail Banking: Provides deposit accounts, loans, and other financial services to individuals and families.
- Wealth Management: Offers investment management, trust, and financial planning services.
- Insurance Services: Offer a range of insurance products for individual or commercial needs.
Leadership and Structure
John H. Watt Jr. is the CEO. The organizational structure includes various departments such as Commercial Banking, Retail Banking, Wealth Management, and Operations, each headed by senior executives. The Board of Directors provides oversight.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide loans to businesses for working capital, equipment, and real estate. Market share data varies regionally, competition includes larger national banks and regional players. Competitors: KeyCorp (KEY), M&T Bank (MTB).
- Mortgage Loans: Offer mortgage loans for residential properties. Competitors: JPMorgan Chase & Co. (JPM), Wells Fargo (WFC).
- Deposit Accounts: A range of deposit accounts including checking, savings and money market. Competitors: Bank of America (BAC), Citibank (C).
- Wealth Management Services: Financial planning, investment management, and trust services for individuals and families. Competitors: Charles Schwab (SCHW), Fidelity Investments.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Digital transformation and cybersecurity are critical issues.
Positioning
NBT Bancorp Inc. is a regional bank focused on community banking and relationship-based services. Its competitive advantage lies in its local market knowledge and customer service.
Total Addressable Market (TAM)
The total addressable market for banking services is vast, encompassing all individuals and businesses requiring financial services. NBT is positioned as a regional player targeting specific communities and businesses within its footprint.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Relationship-based banking model
- Solid financial performance
- Experienced management team
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Dependence on local economies
- Potential competition from fintech
Opportunities
- Expansion into new markets
- Growth in wealth management services
- Increased digital adoption
- Strategic acquisitions
Threats
- Rising interest rates
- Increased regulatory burden
- Economic downturn
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- MTB
- KEY
- CMA
Competitive Landscape
NBT Bancorp Inc. competes with larger national banks and other regional players. Its advantages include local market knowledge and customer service, while its disadvantages include smaller scale and limited geographic diversification.
Major Acquisitions
Salisbury Bancorp, Inc.
- Year: 2023
- Acquisition Price (USD millions): 204
- Strategic Rationale: The acquisition expanded NBTu2019s presence into the attractive Hudson Valley region of New York and Litchfield County, Connecticut.
Growth Trajectory and Initiatives
Historical Growth: NBT Bancorp Inc. has grown steadily through organic expansion and acquisitions.
Future Projections: Analyst estimates vary, but projections generally indicate continued moderate growth.
Recent Initiatives: Recent strategic initiatives may include digital transformation projects, branch expansions, or acquisitions.
Summary
NBT Bancorp Inc. is a stable regional bank with a strong community focus. Its strengths lie in its relationship-based banking model and local market knowledge. However, it faces challenges from larger competitors and the evolving financial landscape, and needs to continue to look at digital transformation. Strategic acquisitions are the best way for this company to grow in size.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings (10-K, 10-Q)
- Company Investor Relations
- Market Research Reports
- Analyst Reports
Disclaimers:
This analysis is based on available public information and is not financial advice. Market conditions and company performance are subject to change. Consult with a qualified financial advisor before making investment decisions.
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.
About NBT Bancorp Inc
Exchange NASDAQ | Headquaters 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 2083 | Website https://www.nbtbancorp.com |
Full time employees 2083 | Website https://www.nbtbancorp.com | ||
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 indirect and direct consumer, home equity, mortgages, business banking loans, and commercial loans; commercial and industrial, commercial real estate, agricultural, and commercial construction loans; and residential real estate loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan administration and record keeping 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. 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 operates in 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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