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NBTB
$44.07-0.14 (-0.32%)
Market ClosedLast close May 4
NBT Bancorp Inc., a financial holding company, provides personal and commercial banking, retail banking, and wealth management services in the United States.
Historical Price
Price (Candle)
50-Day SMA
200-Day SMA
Whystock Brain
The Narrative
NBT Bancorp Inc. in the Financial Services sector is trading at $44.07. The stock is currently 6% below its 52-week high of $46.92, remaining 4.3% above its 200-day moving average. Technical signals show neutral RSI of 43 and bearish MACD signal, explaining why NBTB maintains its current momentum and trend strength. The Whystock Score of 70/100 reflects a high-conviction bullish alignment.
Ecosystem Influences
Neutral momentum (RSI 43) — price action in range
Long-term trend bullish (Price vs 200-day SMA)
Macro-economic sensitivity to interest rate and inflation shifts
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Peer Comparison
JPMBACGS
Whystock Valuation Model
Whystock fair value is estimated using a trailing P/E model adjusted for return on equity: Fair P/E = 18 + (ROE × 20). Fair Value = (Current Price ÷ Trailing P/E) × Fair P/E. A base P/E of 18 represents a typical market multiple, scaled upward for companies that earn high returns on equity. The result is a theoretical "normalised" price — not a price target or investment advice. Large deviations are common for high-growth or loss-making companies.
Current Price$44.07
Potential Upside
43.7%
Whystock Fair Value$63.33
Price
UndervaluedFair ValueOvervalued
Simplified model based on P/E and ROE. Not a substitute for full valuation analysis. Data may be delayed. See our Terms.
Analyst Consensus6 analysts
Buy
Mean target$48.92+11.0%
Range$46.50 – $52.00
Fundamentals
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 com...
Market Cap
Total dollar market value of a company's outstanding shares of stock (Price * Shares).
$2.35B
P/E Ratio
Value territory. Trading at a high yield relative to earnings.
13.50
Beta
Defensive asset. Lower volatility than the S&P 500.
0.47
Div Yield
Strong income play. Yield provides a meaningful total return floor.
324.00%
ROE
Average efficiency. Growth may require heavy reinvestment.
7.03%
Volume
Today's trading volume
247,194
Recent News
Assessing NBT Bancorp (NBTB) Valuation After Strong Q1 Results And Ongoing Share Buybacks
Why NBT Bancorp’s latest quarter is drawing fresh attention NBT Bancorp (NBTB) just posted first quarter results with higher net interest income and net income than a year ago, alongside continued share repurchases, a combination that often refocuses investors on profitability and capital returns. See our latest analysis for NBT Bancorp. The recent first quarter update, including higher net interest income, net income and ongoing share repurchases, comes as NBT Bancorp’s share price sits at...
NBT Bancorp Q1 Earnings Call Highlights
NBT Bancorp (NASDAQ:NBTB) reported first-quarter 2026 net income of $51.1 million, or $0.98 per diluted share, as management pointed to balance sheet discipline, revenue diversification, and continued benefits from its Evans Bancorp merger integration. President and CEO Scott Kingsley said the comp
NBTB Q1 Deep Dive: Noninterest Income Offsets Loan Runoff, Deposit Mix Improves
Regional banking company NBT Bancorp (NASDAQ:NBTB) fell short of the market’s revenue expectations in Q1 CY2026, but sales rose 15.6% year on year to $178.9 million. Its non-GAAP profit of $0.97 per share was in line with analysts’ consensus estimates.
NBT Bancorp Inc (NBTB) Q1 2026 Earnings Call Highlights: Strong Financial Health Amidst Loan ...
NBT Bancorp Inc (NBTB) showcases robust returns and revenue growth despite facing loan runoff and increased provision expenses.
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