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NBTB
Upturn stock ratingUpturn stock rating

NBT Bancorp Inc (NBTB)

Upturn stock ratingUpturn stock rating
$41.55
Last Close (24-hour delay)
upturn advisory
PASS
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

06/30/2025: NBTB (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

6 Analysts rated it

Moderately tracked stock, growing coverage, gaining market and investor attention.

1 Year Target Price $50.4

1 Year Target Price $50.4

Analysts Price Target For last 52 week
$50.4Target price
Low$36.26
Current$41.55
high$51.64

Analysis of Past Performance

Type Stock
Historic Profit -10.26%
Avg. Invested days 32
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/30/2025

Key Highlights

Company Size Mid-Cap Stock
Market Capitalization 2.19B USD
Price to earnings Ratio 13.83
1Y Target Price 50.4
Price to earnings Ratio 13.83
1Y Target Price 50.4
Volume (30-day avg) 6
Beta 0.57
52 Weeks Range 36.26 - 51.64
Updated Date 06/30/2025
52 Weeks Range 36.26 - 51.64
Updated Date 06/30/2025
Dividends yield (FY) 3.25%
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 13.83
Forward PE 13.4
Enterprise Value 2038328064
Price to Sales(TTM) 3.85
Enterprise Value 2038328064
Price to Sales(TTM) 3.85
Enterprise Value to Revenue 4.12
Enterprise Value to EBITDA -
Shares Outstanding 52381000
Shares Floating 45822979
Shares Outstanding 52381000
Shares Floating 45822979
Percent Insiders 2.81
Percent Institutions 60.86

Analyst Ratings

Rating 3
Target Price 50.4
Buy -
Strong Buy 3
Buy -
Strong Buy 3
Hold 3
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

NBT Bancorp Inc

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 2083

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.