Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
NBTB 
NBT Bancorp Inc (NBTB)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
09/15/2025: 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 -18.55% | Avg. Invested days 28 | 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 09/15/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.27B USD | Price to earnings Ratio 15.57 | 1Y Target Price 50.17 |
Price to earnings Ratio 15.57 | 1Y Target Price 50.17 | ||
Volume (30-day avg) 6 | Beta 0.59 | 52 Weeks Range 36.70 - 51.22 | Updated Date 09/15/2025 |
52 Weeks Range 36.70 - 51.22 | Updated Date 09/15/2025 | ||
Dividends yield (FY) 3.12% | 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 15.57 | Forward PE 13.4 | Enterprise Value 2137233024 | Price to Sales(TTM) 3.84 |
Enterprise Value 2137233024 | Price to Sales(TTM) 3.84 | ||
Enterprise Value to Revenue 4.14 | Enterprise Value to EBITDA - | Shares Outstanding 52394100 | Shares Floating 51024504 |
Shares Outstanding 52394100 | Shares Floating 51024504 | ||
Percent Insiders 2.69 | Percent Institutions 66.19 |
Upturn AI SWOT
NBT Bancorp Inc
Company Overview
History and Background
NBT Bancorp Inc. was founded in 1856 as The National Bank and Trust Company of Norwich. It has grown through organic expansion and acquisitions, evolving into a financial services company with a presence in multiple states.
Core Business Areas
- Commercial Banking: Offers a range of lending and deposit products to businesses, including commercial real estate loans, equipment financing, and working capital lines of credit.
- Retail Banking: Provides banking services to individuals, including checking and savings accounts, mortgages, personal loans, and credit cards.
- Wealth Management: Offers investment management, trust, and financial planning services to individuals and institutions.
- Insurance Services: Provides property and casualty insurance, employee benefits, and other insurance products through NBT Insurance Agency, LLC.
Leadership and Structure
The leadership team is headed by the President and CEO. The organizational structure includes various departments overseeing different business lines and support functions, with a board of directors providing oversight.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a significant revenue driver. NBT competes with regional and national banks, credit unions, and non-bank lenders in this space. Market share data specific to commercial lending within NBT's footprint is fragmented but estimated to be around 2-3% in that geographic region.
- Residential Mortgages: Provides mortgages to individuals. Competitors include national mortgage lenders and other regional banks. Market share within NBT's footprint is estimated to be around 1-2%.
- Wealth Management Services: Offers investment management and trust services. Competitors include large wealth management firms and other regional banks. No specific market share data available but in the top 5 within their geography region.
Market Dynamics
Industry Overview
The banking industry is characterized by increasing regulatory scrutiny, rising interest rates, and technological disruption. Competition is fierce among banks and fintech companies.
Positioning
NBT Bancorp Inc. positions itself as a community-focused bank with a strong emphasis on customer service. Its competitive advantages include a deep understanding of its local markets and a stable, long-term customer base.
Total Addressable Market (TAM)
The TAM for banking and financial services in NBT's geographic footprint is estimated to be in the tens of billions of dollars annually. NBT's market position allows it to capture a small but significant share of this TAM.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Experienced management team
- Diversified revenue streams
- Solid capital position
- Strong local market presence
Weaknesses
- Limited geographic reach compared to larger banks
- Dependence on local economies
- Smaller technology budget relative to large banks
- Vulnerable to interest rate fluctuations
Opportunities
- Expanding into new markets through acquisitions
- Increasing digital banking capabilities
- Growing wealth management business
- Capitalizing on consolidation in the banking industry
- Focusing on underserved markets within its current footprint
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates impacting loan demand
- Economic downturns affecting loan quality
- Regulatory changes increasing compliance costs
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- CNBKA
- WSFS
- FULT
Competitive Landscape
NBT Bancorp Inc. competes with larger national banks, regional banks, and credit unions. Its competitive advantages include its strong local presence and customer relationships, while its disadvantages include its smaller size and limited geographic reach.
Major Acquisitions
Salisbury Bancorp, Inc
- Year: 2023
- Acquisition Price (USD millions): 204
- Strategic Rationale: Expanded market presence in attractive Northwest Connecticut and Hudson Valley markets
Growth Trajectory and Initiatives
Historical Growth: NBT Bancorp Inc. has experienced moderate growth through a combination of organic expansion and acquisitions.
Future Projections: Analyst estimates project continued moderate growth in revenue and earnings over the next few years, driven by loan growth and fee income.
Recent Initiatives: Recent initiatives include expanding digital banking services, investing in technology infrastructure, and pursuing strategic acquisitions.
Summary
NBT Bancorp Inc. is a moderately strong regional bank with a solid financial foundation and a history of consistent performance. Its strengths lie in its strong customer relationships and local market presence. However, it faces challenges from larger competitors and the changing banking landscape. NBT needs to adapt to new technologies and markets to maintain its growth trajectory.
Peer Comparison
Sources and Disclaimers
Data Sources:
- NBT Bancorp Inc. Investor Relations
- SEC Filings (10-K, 10-Q)
- Analyst Reports
- Company Website
Disclaimers:
This analysis is based on publicly available information and is intended for informational purposes only. It does not constitute financial advice. Market share data is estimated and may not be precise.
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.