NBT Bancorp Inc.
Financials
Valuation Metrics
NBT Bancorp Inc.'s Market Cap is $2.72B. At end of 2025 it was $1.94B. Ranked #1768 of 3,118 in US market (top 57%), #632 of 1,474 on NASDAQ (top 43%), #110 of 245 in Banks (top 45%) by Market Cap.
Investment Metrics(as of 2026-10-30)
| Metric | Value | Rank |
|---|---|---|
| Size | ||
| Market Cap | $2.72B | US#1,768/3,118 Sec#110/245 |
| Revenue | $739M | US#2,047/3,118 Sec#92/245 |
| Net Income | $214M | US#1,249/3,118 Sec#112/245 |
| Total Assets | $16.21B | US#707/3,118 Sec#122/245 |
| Net Assets | $1.94B | US#1,259/3,118 Sec#121/245 |
| Employees | 2,303 | US#1,597/3,118 Sec#89/245 |
| Value | ||
| P/E | 12.69x | US#580/3,118 Sec#139/245 |
| P/B | 1.40x | US#820/3,118 Sec#152/245 |
| PEG | 0.21x | US#336/3,118 Sec#26/245 |
| P/S | 3.68x | US#1,983/3,118 Sec#128/245 |
| EV/EBITDA | 9.95x | US#806/3,118 Sec#82/245 |
| FCF Yield | 9.04% | US#700/3,118 Sec#110/245 |
| Profitability | ||
| ROE | 11.02% | US#1,252/3,118 Sec#108/245 |
| ROA | 1.32% | US#1,826/3,118 Sec#81/245 |
| Op. Margin | 37.51% | US#341/3,118 Sec#93/245 |
| Revenue Growth | 19.24% | US#719/3,118 Sec#51/245 |
| Earnings Growth | 60.59% | US#424/3,118 Sec#22/245 |
| Financial Health | ||
| Debt Ratio | 734.14% | US#2,544/3,118 Sec#85/245 |
| Total Debt | $471M | US#1,889/3,118 Sec#137/245 |
| FCF | $246M | US#1,277/3,118 Sec#96/245 |
| Cash | $187M | US#1,783/3,118 Sec#153/245 |
| Current Ratio | 0.59x | US#2,661/3,118 Sec#88/245 |
| Net Debt/EBITDA | 0.94x | US#946/3,118 Sec#99/245 |
| Dividend | ||
| Div. Yield | 2.84% | US#644/3,118 Sec#87/245 |
| Div. Growth | 16.73% | US#299/3,118 Sec#50/245 |
| Performance | ||
| 1Y Return | 31.32% | US#842/3,118 Sec#91/245 |
| 1M Return | 4.15% | US#1,330/3,118 Sec#91/245 |
| From 52W High | -4.15% | US#334/3,118 Sec#33/245 |
| 1Y MDD | -12.17% | US#108/3,118 Sec#44/245 |
| Trading | ||
| Volume | 200,511 shares | US#2,627/3,118 Sec#135/245 |
| Trading Value | $11M | US#2,257/3,118 Sec#132/245 |
| Per Share | ||
| EPS | $4.12 | US#823/3,118 Sec#90/245 |
| BPS | $37.38 | US#686/3,118 Sec#98/245 |
Company Info
NBT Bancorp Inc., a financial holding company, provides personal and commercial banking, retail banking, and wealth management services in the United States. It operates through Banking, Retirement Plan Administration, and All Other segments. The company offers demand deposit, savings, interest-bearing checking, money market deposit, and certificate of deposit accounts; and indirect and direct consumer loans, home equity loans and lines of credit, residential mortgages, business banking loans, commercial and industrial loans, agricultural loans, commercial construction loans, commercial real estate loans, indirect auto loans, and other consumer loans, as well as agricultural lending, personal lines of credit, overdraft protection, and second mortgage loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan and health savings account recordkeeping and administration, and actuarial services. In addition, the company offers insurance products, such as personal property and casualty, business liability, and commercial insurance; and other products and services through a network of ATM locations and 24-hour online, mobile, and telephone channels that enable customers to check balances, make deposits, transfer funds, pay bills, access statements, apply for loans, and access various other products and services. Further, it operates as a property management and passive investment company, as well as investment advisor that provides investment management and financial consulting services. The company serves retail, commercial, and municipal customers. It operates in upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York.