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Smart Investors Daily
NB

NASDAQ · NBTB

NBT Bancorp Inc.

Financial Services · Banks - Regional

$52.19

Down-$0.78 (-1.47%)

Updated Nov 1, 2026, 7:13 PM

SID Score

6.8/10

Composite research score

Smart Money

—

Institutional and insider signal

Market cap
2.31B
P/E ratio
13.86
Dividend yield
2.72%
52-week range
$39.45 – $54.50
Volume
283.97K
Avg. volume
207.11K

Price performance · NBTB

NBTB price history

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Latest NBTB news

The latest Smart Investors Daily articles mentioning NBTB.

NBTB research

Overview

Company profile and research snapshot.

Company profile

NBT Bancorp Inc is a financial holding company that operates through its subsidiaries. The company's principal sources of revenue include management fees and dividends it receives through its subsidiaries. Its business, predominantly conducted through NBT Bank, consists of providing commercial banking, retail banking, and wealth management services to customers in its market area, which includes upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. The company's reportable segments are Banking and Retirement Plan Administration. A majority of its revenue is generated from the Banking segment.

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Analyst outlook

Consensus and target data currently published for this company.

Consensus
—
Average target
$47.00
Implied upside
—
Analysts
—
NBTB recent ratings
DateFirmRatingTarget
Oct 30, 2026Keefe, Bruyette & WoodsMarket Perform—
Aug 3, 2026Keefe, Bruyette & WoodsMarket Perform—
Jul 30, 2026Stephens & Co.Equal-Weight—
Jul 29, 2026DA DavidsonBuy—
Jun 26, 2026Piper SandlerOverweight—
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News briefing

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Yahoo · Oct 21, 2026

NBT Bancorp (NBTB) Stock Looks Undervalued With 40% Upside Implied

NBT Bancorp stock has put up a strong run over the past few years, and the price now bakes in meaningful expectations about how effectively the bank turns capital into profits. The core question for you as a shareholder is whether the returns it earns on its capital are strong enough to support where the shares trade today. Over the past 3 years, NBT Bancorp has returned 73.8%. That puts real weight on whether its returns on capital can shoulder that kind of share price performance. The...

Yahoo · Oct 20, 2026

NBT Bancorp (NBTB) Draws Earnings Optimism, Is It Still 11% Undervalued?

Analyst optimism around NBT Bancorp (NBTB) is building ahead of its quarterly earnings report on October 27, with expectations for both higher revenue and a year over year earnings increase. NBT Bancorp’s recent share price tells a mixed story, with the stock easing over the past month and quarter even as the year to date share price return is 21.86% and the 1-year total shareholder return is 28.57%. Scan how NBT Bancorp compares to other regionally focused financials that analysts see as...

Yahoo · Oct 20, 2026

How Investors May Respond To NBT Bancorp Stock As Earnings Expectations Rise

NBT Bancorp is heading into its late October 2026 earnings release with analyst expectations for higher revenue and a year over year earnings increase, reflecting focus on fee based income, loan demand and controlled funding costs. The interesting angle is how this expected earnings uplift intersects with NBT Bancorp’s push into Western New York and ongoing Micron linked financing, which together reshape its revenue mix beyond traditional upstate banking markets. We will now look at how NBT...

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