NBTB

$40.71-0.26 (-0.63%)

Market ClosedAs of Mar 20, 8:00 PM UTC

NBT Bancorp Inc., a financial holding company, provides commercial banking, retail banking, and wealth management services.

Historical Price

Price (Line)
50-Day SMA
200-Day SMA
Synthesizing Whystock Narrative...
Loading Financials...

Peer Comparison

JPMBACGS

Whystock Valuation Model

Calculated using a trailing P/E relative model adjusted by sector ROE and historical growth.
Current Price$40.71
Potential Upside
58.7%
Whystock Fair Value$64.62
Price
UndervaluedFair ValueOvervalued

Fundamentals

SectorFinancial Services
IndustryBanks-Regional

NBT Bancorp Inc., a financial holding company, provides commercial banking, retail banking, and wealth management services. Its deposit products include demand deposit, savings, negotiable order of withdrawal, money market deposit, and certificate of...

Market Cap
Total dollar market value of a company's outstanding shares of stock (Price * Shares).
$2.13B
P/E Ratio
Value territory. Trading at a high yield relative to earnings.
12.23
Beta
Defensive asset. Lower volatility than the S&P 500.
0.48
Div Yield
Low to zero yield. Return is entirely dependent on price appreciation.
0.00%
ROIC
Average efficiency. Growth may require heavy reinvestment.
7.03%
Quick Ratio
Tight liquidity. Monitor cash flow carefully against debt.
-

Recent News

StockStory
Mar 19, 2026

Spotting Winners: NBT Bancorp (NASDAQ:NBTB) And Regional Banks Stocks In Q4

The end of the earnings season is always a good time to take a step back and see who shined (and who not so much). Let’s take a look at how regional banks stocks fared in Q4, starting with NBT Bancorp (NASDAQ:NBTB).

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.
Simply Wall St.
Mar 8, 2026

How Investors Are Reacting To NBT Bancorp (NBTB) Scrutiny Over Private Credit And Loan Quality Risks

Earlier this week, NBT Bancorp came under pressure as concerns intensified about regional banks’ exposure to the opaque private credit market and potential hidden risks in loan books. The episode has sharpened attention on how vulnerable mid-sized lenders might be to deteriorating loan quality and unexpected credit losses tied to private credit exposures. We’ll now examine how rising anxiety over private credit exposure and loan quality could reshape NBT Bancorp’s existing investment...

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.
StockStory
Mar 7, 2026

Nicolet Bankshares, NBT Bancorp, First Financial Bancorp, First Commonwealth Financial, and Enterprise Financial Services Stocks Trade Down, What You Need To Know

A number of stocks fell in the afternoon session after investors grew increasingly concerned about the sector's exposure to the opaque private credit market. These jitters were fueled by specific events that raised red flags about potential risks.

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.
StockStory
Mar 2, 2026

3 Unpopular Stocks We’re Skeptical Of

When Wall Street turns bearish on a stock, it’s worth paying attention. These calls stand out because analysts rarely issue grim ratings on companies for fear their firms will lose out in other business lines such as M&A advisory.

BEARISH
Negative press. News cycle fixated on risk factors or misses.
StockStory
Feb 25, 2026

3 Bank Stocks with Questionable Fundamentals

Banks use their capital and expertise to help businesses grow while offering consumers essential financial products like mortgages and credit cards. Still, investors are uneasy as banks face challenges from credit quality concerns and potential regulatory changes. These doubts have certainly contributed to banking stocks’ recent underperformance - over the past six months, the industry’s 3.6% gain has fallen behind the S&P 500’s 6.2% rise.

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.