ScoreWhy is NBT Bancorp, Inc. ?
1
High Profitability with a Net Interest Margin of 8.13%
2
Positive results in Mar 26
- OPERATING CASH FLOW(Y) Highest at USD 246.26 MM
- ROCE(HY) Highest at 1.22%
- DIVIDEND PER SHARE(HY) Highest at USD 0
3
With ROA of 0.86%, it has a fair valuation with a 1.29 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 16.79%, its profits have risen by 29.5% ; the PEG ratio of the company is 0.8
4
High Institutional Holdings at 66.72%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 0.76% over the previous quarter.
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to NBT Bancorp, Inc. should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is NBT Bancorp, Inc. for you?
Medium Risk, Medium Return
Absolute
Risk Adjusted
Volatility
NBT Bancorp, Inc.
16.79%
1.27
26.11%
S&P 500
25.41%
1.92
13.25%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
15.34%
EBIT Growth (5y)
8.17%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
42.69%
Pledged Shares
0
Institutional Holding
66.72%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
1.29
EV to EBIT
10.51
EV to EBITDA
9.03
EV to Capital Employed
1.34
EV to Sales
3.04
PEG Ratio
0.80
Dividend Yield
349.85%
ROCE (Latest)
12.80%
ROE (Latest)
9.68%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 246.26 MM
ROCE(HY)
Highest at 1.22%
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET PROFIT(9M)
Higher at USD 161.98 MM
-6What is not working for the Company
ROCE(HY)
Lowest at 1.22%
CREDIT DEPOSIT RATIO(HY)
Lowest at 84.02%
GROSS NPA (%)
(Q
Here's what is working for NBT Bancorp, Inc.
Operating Cash Flow
Highest at USD 246.26 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Net Profit
At USD 161.98 MM has Grown at 43.34%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Net Profit
Higher at USD 161.98 MM
than preceding 12 month period ended Mar 2026MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Profit (USD MM)
Depreciation
Highest at USD 9.07 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Here's what is not working for NBT Bancorp, Inc.
Non Performing Loans (%)
Highest at 0.53%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Credit Deposit Ratio
Lowest at 84.02% and Fallen
In each half year in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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