NBT Bancorp Inc.
Financials
Valuation Metrics
NBT Bancorp Inc.'s Market Cap is $2.75B. At end of 2025 it was $1.94B. Ranked #1817 of 3,111 in US market (top 58%), #654 of 1,445 on NASDAQ (top 45%), #117 of 249 in Banks (top 47%) by Market Cap.
Investment Metrics(as of 2026-08-03)
| Metric | Value | Rank |
|---|---|---|
| Size | ||
| Market Cap | $2.75B | US#1,817/3,111 Sec#117/249 |
| Revenue | $934M | US#1,982/3,111 Sec#115/249 |
| Net Income | $184M | US#1,311/3,111 Sec#118/249 |
| Total Assets | $16.20B | US#711/3,111 Sec#121/249 |
| Net Assets | $1.91B | US#1,276/3,111 Sec#120/249 |
| Employees | 2,303 | US#1,079/3,111 Sec#53/249 |
| Value | ||
| P/E | 14.99x | US#678/3,111 Sec#153/249 |
| P/B | 1.44x | US#767/3,111 Sec#136/249 |
| PEG | 0.38x | US#468/3,111 Sec#54/249 |
| P/S | 2.95x | US#1,737/3,111 Sec#159/249 |
| EV/EBITDA | 10.52x | US#849/3,111 Sec#96/249 |
| FCF Yield | 8.55% | US#654/3,111 Sec#94/249 |
| Profitability | ||
| ROE | 9.59% | US#1,417/3,111 Sec#148/249 |
| ROA | 1.13% | US#1,901/3,111 Sec#124/249 |
| Op. Margin | 25.58% | US#626/3,111 Sec#118/249 |
| Revenue Growth | 15.70% | US#936/3,111 Sec#55/249 |
| Earnings Growth | 39.18% | US#634/3,111 Sec#58/249 |
| Financial Health | ||
| Debt Ratio | 746.45% | US#2,589/3,111 Sec#91/249 |
| Total Debt | $161M | US#2,288/3,111 Sec#190/249 |
| FCF | $235M | US#1,285/3,111 Sec#98/249 |
| Cash | $152M | US#1,932/3,111 Sec#166/249 |
| Current Ratio | 1.29x | US#1,888/3,111 Sec#82/249 |
| Net Debt/EBITDA | 0.04x | US#633/3,111 Sec#84/249 |
| Dividend | ||
| Div. Yield | 2.75% | US#653/3,111 Sec#77/249 |
| Div. Growth | 16.73% | US#302/3,111 Sec#50/249 |
| Performance | ||
| 1Y Return | 33.88% | US#1,148/3,111 Sec#150/249 |
| 1M Return | 5.65% | US#916/3,111 Sec#60/249 |
| From 52W High | -2.92% | US#333/3,111 Sec#128/249 |
| 1Y MDD | -12.17% | US#135/3,111 Sec#19/249 |
| Trading | ||
| Volume | 516,049 shares | US#2,105/3,111 Sec#99/249 |
| Trading Value | $27M | US#1,823/3,111 Sec#95/249 |
| Per Share | ||
| EPS | $3.59 | US#862/3,111 Sec#100/249 |
| BPS | $40.25 | US#588/3,111 Sec#81/249 |
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.