NBT Bancorp, Inc.

How big is NBT Bancorp, Inc.?

As of Jun 18, NBT Bancorp, Inc. has a market capitalization of $2.34 billion, with total assets of $13.79 billion and shareholder's funds of $1.53 billion.

Market Cap: As of Jun 18, NBT Bancorp, Inc. has a market capitalization of 2,342.00 million, categorizing it as a Small Cap company.<BR><BR>Recent Quarterly Performance: For the latest four quarters, NBT Bancorp, Inc. reported a sum of interest earned of 619.14 million and a net profit of 143.57 million.<BR><BR>Balance Sheet Snapshot: As of Dec 24, the company reported shareholder's funds of 1,526.14 million and total assets of 13,786.67 million.

What does NBT Bancorp, Inc. do?

NBT Bancorp, Inc. is a financial holding company that provides commercial banking and financial services primarily in New York and surrounding regions. As of March 2025, it reported net sales of $154 million and a net profit of $37 million, with a market cap of $2.34 billion.

Overview:<BR>NBT Bancorp, Inc. is a financial holding company operating in the Major Banks industry, providing commercial banking and financial services primarily in central and upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, and the Portland, Maine area.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 154 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 37 Million (Quarterly Results - Mar 2025) <BR>Market cap: USD 2,342.00 Million (Small Cap) <BR><BR>Key Metrics:<BR>P/E: 17.00 <BR>Dividend Yield: 273.44% <BR>Debt Equity: 0.00 <BR>Return on Equity: 9.31% <BR>Price to Book: 1.50 <BR><BR>Contact Details:<BR>Address: 52 S BROAD ST, NORWICH NY: 13815 <BR>Tel: 1 607 3372265 <BR>Website: http://www.nbtbancorp.com/

Should I buy, sell or hold NBT Bancorp, Inc.?

Who are in the management team of NBT Bancorp, Inc.?

As of March 2022, the management team of NBT Bancorp, Inc. includes Chairman Martin Dietrich, CEO John Watt, Lead Independent Director John Mitchell, and independent directors Johanna Ames, Patricia Civil, Timothy Delaney, and director Jack Webb. This team provides governance and strategic direction for the company.

As of March 2022, the management team of NBT Bancorp, Inc. includes the following individuals:<BR><BR>- Mr. Martin Dietrich, Chairman of the Board<BR>- Mr. John Watt, President, Chief Executive Officer, and Director<BR>- Mr. John Mitchell, Lead Independent Director<BR>- Mr. Jack Webb, Director<BR>- Ms. Johanna Ames, Independent Director<BR>- Ms. Patricia Civil, Independent Director<BR>- Mr. Timothy Delaney, Independent Director<BR><BR>This team comprises a mix of executive leadership and independent directors, contributing to the governance and strategic direction of the company.

Is NBT Bancorp, Inc. technically bullish or bearish?

As of October 3, 2025, NBT Bancorp, Inc. is in a bearish trend with moderate strength, indicated by mixed MACD signals, a bearish RSI, and underperformance compared to the S&P 500, with a year-to-date return of -12.60%.

As of 3 October 2025, the technical trend for NBT Bancorp, Inc. has changed from mildly bearish to bearish. The current technical stance is bearish with a moderate strength. Key indicators driving this stance include the weekly MACD being mildly bullish, but the monthly MACD is mildly bearish. The RSI is bearish on the weekly timeframe, and both Bollinger Bands and moving averages indicate bearish conditions. Additionally, the KST shows a mixed signal with weekly bullishness but monthly mild bearishness. In terms of performance, NBT Bancorp has underperformed the S&P 500 across multiple periods, with a year-to-date return of -12.60% compared to the S&P 500's 14.18%.

Is NBT Bancorp, Inc. overvalued or undervalued?

As of October 10, 2025, NBT Bancorp, Inc. is fairly valued with a P/E ratio of 17 and a Price to Book Value of 1.57, but it has underperformed the S&P 500 with a year-to-date return of -16.98%.

As of 10 October 2025, the valuation grade for NBT Bancorp, Inc. has moved from expensive to fair, indicating a more favorable assessment of its current market position. The company appears fairly valued based on its P/E ratio of 17, a Price to Book Value of 1.57, and an EV to EBITDA of 12.65. In comparison to peers, UMB Financial Corp. has a higher P/E of 19.64, while Fulton Financial Corp. shows a lower P/E at 13.49, suggesting that NBT Bancorp is positioned competitively within its industry.<BR><BR>Despite the fair valuation, NBT Bancorp has underperformed relative to the S&P 500, with a year-to-date return of -16.98% compared to the index's 11.41%. This trend continues over multiple periods, with a 3-year return of -6.92% versus the S&P 500's impressive 81.39%. Overall, the current valuation metrics suggest that NBT Bancorp is fairly valued, but its recent stock performance raises concerns about its growth prospects.