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Upturn AI SWOT - About
NBTB 
NBT Bancorp Inc (NBTB)
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Upturn Advisory Summary
08/28/2025: NBTB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $50.17
1 Year Target Price $50.17
| 3 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -15.52% | Avg. Invested days 27 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.35B USD | Price to earnings Ratio 16.1 | 1Y Target Price 50.17 |
Price to earnings Ratio 16.1 | 1Y Target Price 50.17 | ||
Volume (30-day avg) 6 | Beta 0.58 | 52 Weeks Range 36.70 - 51.22 | Updated Date 08/28/2025 |
52 Weeks Range 36.70 - 51.22 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 3.02% | Basic EPS (TTM) 2.78 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 22.55% | Operating Margin (TTM) 34.72% |
Management Effectiveness
Return on Assets (TTM) 0.9% | Return on Equity (TTM) 8.16% |
Valuation
Trailing PE 16.1 | Forward PE 13.4 | Enterprise Value 2214776320 | Price to Sales(TTM) 3.97 |
Enterprise Value 2214776320 | Price to Sales(TTM) 3.97 | ||
Enterprise Value to Revenue 4.27 | Enterprise Value to EBITDA - | Shares Outstanding 52394100 | Shares Floating 51024504 |
Shares Outstanding 52394100 | Shares Floating 51024504 | ||
Percent Insiders 2.69 | Percent Institutions 66.26 |
Upturn AI SWOT
NBT Bancorp Inc
Company Overview
History and Background
NBT Bancorp Inc. was founded in 1856 as the National Bank of Norwich. It has grown through acquisitions and organic growth, evolving into a diversified financial services company.
Core Business Areas
- Commercial Banking: Offers a range of lending and deposit products to businesses of all sizes, including commercial real estate loans, lines of credit, and business checking accounts.
- Retail Banking: Provides consumer banking services such as checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Offers investment management, trust and estate services, and financial planning to individuals and institutions.
- Insurance Services: Provides property & casualty, and employee benefits solutions
Leadership and Structure
The leadership team includes John H. Watt Jr., President & CEO. The organizational structure is based on a regional community banking model.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including expansion, working capital, and equipment purchases. NBT competes with other regional and national banks for market share. Limited detailed market share data available specifically for NBT commercial lending, however the total commercial loan market is substantial. Competitors include M&T Bank, KeyCorp, and large national players like JP Morgan Chase.
- Mortgages: Residential mortgage loans offered to consumers. NBT competes with national mortgage lenders and other regional banks. Limited detailed market share data available specifically for NBT mortgages however the market is substantial. Competitors include Wells Fargo, Rocket Mortgage, and other regional banks.
- Wealth Management Services: Including investment management, financial planning, and trust services. Competitors include large investment firms and other regional bank wealth management divisions. Limited detailed market share data available specifically for NBT wealth management, however the assets under management are significant.
Market Dynamics
Industry Overview
The banking industry is currently navigating rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Regional banks are focused on maintaining strong capital ratios and managing credit risk.
Positioning
NBT Bancorp Inc. is a regional bank focused on community banking, aiming to provide personalized service and local expertise. Its competitive advantage lies in its strong relationships with customers and its local market knowledge.
Total Addressable Market (TAM)
The TAM for banking services includes all potential customers needing loans, deposit accounts, and wealth management services. Estimating the TAM for each segment is complex and depends on geographic area and specific services. NBT is positioned to capture a segment of this large market through its community banking focus.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Diversified revenue streams
- Strong community relationships
- Conservative lending practices
Weaknesses
- Limited geographic reach compared to larger banks
- Potential for higher operating expenses due to community banking model
- Sensitivity to interest rate fluctuations
Opportunities
- Expansion into new markets through acquisitions or organic growth
- Increased demand for wealth management services
- Adoption of new technologies to improve efficiency
- Growing small businesses
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn impacting loan quality
- Changes in regulatory environment
- Rising interest rates impacting loan demand
Competitors and Market Share
Key Competitors
- M&T Bank (MTB)
- KeyCorp (KEY)
- Fulton Financial Corp (FFC)
Competitive Landscape
NBT Bancorp Inc. competes with larger regional banks and national banks, focusing on personalized service and local expertise. Its smaller size can be a disadvantage in terms of resources, but its community focus can be a competitive advantage.
Major Acquisitions
Peoples United Bank
- Year: 2022
- Acquisition Price (USD millions): 327
- Strategic Rationale: Expand NBT's presence in the Vermont market and enhance capabilities.
Growth Trajectory and Initiatives
Historical Growth: Historically, NBT Bancorp Inc. has grown through acquisitions and organic growth in its existing markets.
Future Projections: Future growth depends on economic conditions, acquisitions, and organic growth initiatives. Analyst estimates can be found on financial websites.
Recent Initiatives: Recent strategic initiatives may include investments in technology, branch expansions, or acquisitions. Details can be found in company press releases and investor presentations.
Summary
NBT Bancorp Inc. is a stable regional bank with a strong community focus. Its strengths lie in its local market presence and experienced management. However, it faces challenges from larger competitors and potential economic downturns and should look for opportunistic acquisition targets.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company reports, financial websites, market research reports.
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market share estimates are approximate and based on available information.
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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