profit from every $100 of sales.
$0$100
NBT Bancorp
$52.95-0.86% today
+27.0% in 1 year
1-year low $39.611-year high $54.26
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $16.22 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What NBT Bancorp sold, what it kept, and what it did with the cash.
Sales went from $515 million in 2022 to $694 million in 2025, with $169 million of profit last year.
SalesProfit
NBT Bancorp handed back 38% of the cash it generated last year.
$73M
Free cash flow 2025$219M
Bought back its own shares$10M
Paid as dividends$73M
Cash vs. debt$487M vs. $179M
NBT Bancorp vs. similar companies
NBT Bancorp grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| NBT Bancorp | 16.2× · Fair price | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.5× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads NBT Bancorp's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 515 | 518 | 574 | 694 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 152 | 119 | 141 | 169 | |
| 3.52 | 2.65 | 2.97 | 3.33 | |
| – | – | – | – | |
| – | – | – | – | |
| 29.5% | 22.9% | 24.5% | 24.4% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 11,739 | 13,309 | 13,787 | 15,995 |
| Cash | 197 | 205 | 284 | 487 |
| Total debt | 702 | 544 | 268 | 179 |
| Total liabilities | 10,566 | 11,883 | 12,261 | 14,099 |
| 1,174 | 1,426 | 1,526 | 1,896 | |
| 43 | 45 | 47 | 51 | |
| – | – | – | – | |
| 13.0% | 8.3% | 9.2% | 8.9% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 183 | 157 | 189 | 235 | |
| 7 | 9 | 12 | 16 | |
| 176 | 148 | 177 | 219 | |
| Dividends paid | 50 | 56 | 62 | 73 |
| 15 | 5 | 0 | 10 | |
| 5 | 5 | 6 | 5 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 16.2×
- 12.7×
- –
- 1.2×
- 4.0×
- 6.2%
- 3.2%
Profitability
- 24.4%
- 1.1%
- 7.7%
- 9.8%
- 1.1%
Growth
- +10.5%
- −1.8%
- +5.6%
- +2.1%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 27%of 749
Top 40%of 604
Bottom 41%of 872
Top 47%of 883
Top 33%of 931
What analysts expect
- Average price target
- $46.00
- Range
- $42.00 – $49.00
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 23, 2026 | 0.97 | 0.98 | −1.0% |
| Jan 26, 2026 | 1.05 | 0.99 | +6.1% |
| Oct 27, 2025 | 1.05 | 0.97 | +8.5% |
| Jul 28, 2025 | 0.88 | 0.82 | +7.3% |
| Apr 24, 2025 | 0.80 | 0.76 | +5.3% |
| Jan 27, 2025 | 0.77 | 0.78 | −1.3% |
| Oct 28, 2024 | 0.80 | 0.78 | +2.6% |
| Jul 22, 2024 | 0.69 | 0.69 | +0.0% |
3.2%of the share price, paid each year
On $1,000 invested$32a year at today's yield, before tax
+5.6%2020 to 2025
Raised10 yearsin a row, in our data
Paid per share, each year
$0.87 in 2015 → $1.42 in 2025
How safe it looks
42.9% of its profit
Room to growStretchedMore than it earns: 33.2%
News
Fifth Third Bancorp Eyes Texas Growth and AI Gains After Comerica IntegrationYahoo Finance · Nov 6, 2026Hope Bancorp declares $0.14 dividendSeeking Alpha · Oct 28, 2026NBT Bancorp declares $0.40 dividendSeeking Alpha · Oct 27, 2026Finward Bancorp GAAP EPS of $0.31 misses by $0.41, revenue of $18.59M misses by $0.81MSeeking Alpha · Oct 27, 2026FirstSun Capital Bancorp Non-GAAP EPS of $1.03, revenue of $179.6MSeeking Alpha · Oct 26, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
3/7Passes 3 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
64Pass
Benjamin Graham
73Pass
Philip Fisher
62Pass
Peter Lynch
40No pass
Joel Greenblatt
14No pass
Charlie Munger
58No pass
Terry Smith
57No pass
Questions about NBT Bancorp
Is NBT Bancorp a good stock to buy?
A strong, very profitable business at a fair price. 3 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the NBT Bancorp AI analysis
What does NBT Bancorp do?
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. It is in Banks - Regional, based in Norwich, NY, United States, with 2,303 employees.
Does NBT Bancorp pay a dividend?
Yes. At today's price the dividend is 3.2% a year, about 43% of its yearly profit. In 2025 it paid out $72.6 million in dividends.
Is NBT Bancorp stock halal?
No. NBT Bancorp does not pass our halal screen: its main business, banking, is not permitted. How we check
How has NBT Bancorp stock done over the past year?
Up 27.0% over the past twelve months, to $52.95. It traded between $39.61 and $54.26 and is 2.4% below its high.
Who are NBT Bancorp's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with NBT Bancorp's.
Prices: daily closes to Nov 11, 2026. Fundamentals: company reports via invest-like data.