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NBT Bancorp

NSQ:NBTB · US6287781024
BanksSmall

360

69
Profit price55
Cash yield79
Price/Sales55
EV / Gross Profit83
Price/Book36
Returns on capital78
Profit margins—
Cash Conversion60
Accruals82
Owner Earnings Margin50
Sales growth50
Profit Growth78
Owner Earnings Growth80
Reinvestment16
Price momentum10
Debt load64
Debt serviceability43
Liquidity84
Analyst ratings33
Opinion Changes50
Price Target Upside33
Market mood82
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

NBT Bancorp generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGS
Founded1986
Employees22
Websitenbtbancorp.com
ISINUS6287781024
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)Sound Pay Practices (USA)
Themes
AssociationBankingCrowdfundingFinancial ServicesVenture Capital

Description

NBT Bancorp Inc. operates as a financial holding company for NBT Bank, National Association (the ‘bank’) that provides a broad range of financial products to individuals, corporations and municipalities through its network of branch locations through…

Analysis

Middle-of-the-road

NBT Bancorp Inc. sits in the middle of our grid: average quality, average price, no obvious signal in either direction.

On valuation, the picture is attractive. The owner-earnings multiple stands at 12.8×; owner earnings: the cash an owner could take out each year.

Growth is solid; the safety picture is adequate. The company scores 20/20 on our value-creation score: strong value creator.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
76
2023202420252026

All-time high

94

Jan 2025

All-time low

5

Jan 2023

Average rank

65

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
55
50
34
53
Price/Earnings
43
24
26
34
Price/Book
36
17
11
30
Dividend Yield
79
46
38
39
Value (overall)
55
13
8
33

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →