NBT Bancorp Inc. (NBTB) fair value analysis

Nasdaq · Updated 2026-09-07

NBT Bancorp Inc. is a bank holding company that operates community banks providing retail and commercial banking services to customers in their markets. The company operates primarily through its subsidiary bank in the northeastern United States, serving customers across multiple states in that region.

Forward Fair Value verdict

Fairly valued

Based on TickrTrends' weekly Forward Fair Value model, NBTB is trading at within about 10% of estimated fair value.

NBTB currently ranks #91 of 165 Financial Services stocks by discount to Forward Fair Value. It has screened as Fairly valued for 3 consecutive weekly runs.

Last price: $52.91
Sector: Financial Services
12-month range: $39.78–$52.91

Derived indicators

Coarse bands from TickrTrends' weekly models; exact figures are part of the full report.

Quality grade: C-
Leverage: Low
RSI zone: Neutral
50/200-day trend: Uptrend
52-week position: The top quarter of its range

What our data shows for NBTB

Our model validated 17 trailing price-to-earnings windows for NBTB, built from quarterly earnings records.
Shares are trading in the upper third of their 12-month price range of $39.78–$52.91.
The 14-day relative strength index sits at a neutral 52.

The exact numbers are one step away

The precise Forward Fair Value dollar figure for NBTB
Exact discount / premium to today's price
The normalized historical P/E behind the estimate, and how many quarters support it
Forward EPS input and fiscal-year basis
Screeners and rankings across the full S&P 500 and Nasdaq universes

See the exact fair value →

How Forward Fair Value works

TickrTrends computes a Forward Fair Value for every covered stock each week: a conservatively normalized historical price-to-earnings multiple is applied to the analyst-consensus earnings estimate for the next full fiscal year. Every input window is validated for continuity and every result is screened for plausibility before publication.

Recent NBTB news

TickrTrends' derived news-sentiment signal for NBTB is currently mixed, computed from recent coverage.

NBT Bancorp Inc. (NBTB) Q2 2026 Earnings Call Transcript (seekingalpha.com, 2026-07-28)
TickrTrends take: NBT Bancorp Inc. operates in the Financial Services sector where earnings quality and deposit trends significantly influence valuation multiples. A Fairly valued assessment suggests the market has appropriately priced the company relative to its fundamentals, making Q2 earnings results particularly important for detecting any shifts in profitability, asset quality, or net interest margin that could warrant a valuation reassessment. Investors monitoring NBTB should focus on whether management commentary reveals changes in competitive positioning or deposit costs that might affect future earnings sustainability.
NBT Bancorp Inc. 2026 Q2 - Results - Earnings Call Presentation (NASDAQ:NBTB) 2026-07-28 (seekingalpha.com, 2026-07-28)
TickrTrends take: NBT Bancorp's second quarter 2026 results represent an opportunity for valuation-focused investors to assess whether the company's operational performance justifies its current fairly valued status within the Financial Services sector. Key metrics from the earnings call presentation should be examined for trends in net interest margin, asset quality, and capital efficiency that could shift the valuation assessment in either direction. Changes in deposit dynamics, loan growth, or profitability trends will be particularly important to monitor given the competitive landscape and interest rate environment affecting regional banks.
NBT Bancorp Inc. Q2 2026 Earnings Call Summary (finance.yahoo.com, 2026-07-28)
TickrTrends take: # NBTB Stock Research NBT Bancorp Inc., a Financial Services company currently assessed as fairly valued by TickrTrends, released its Q2 2026 earnings results. For investors focused on valuation metrics, the earnings call provides an opportunity to monitor whether management commentary on loan growth, deposit trends, and net interest margins supports the current fair value assessment. Any material changes to guidance or profitability outlook could shift the valuation perspective, making it important to track how quarterly performance compares to prior periods and consensus expectations.

What people are saying

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TickrTrends weekly updates

2026-09-07 — No material change this week: the verdict, bands and grades all held steady.
2026-09-06 — No material change this week: the verdict, bands and grades all held steady.
2026-08-31 — TickrTrends initiated weekly Forward Fair Value coverage of this stock.

Frequently asked questions

Is NBTB stock undervalued?

Based on TickrTrends' Forward Fair Value model (updated 2026-09-07), NBTB is trading at within about 10% of estimated fair value and screens as fairly valued. The exact fair value and discount are available to subscribers.

What is NBTB's TickrTrends verdict?

NBTB's current verdict is Fairly valued, refreshed with every weekly Forward Fair Value run.

How does NBTB compare to other Financial Services stocks?

NBTB ranks #91 of 165 Financial Services stocks in TickrTrends' coverage when sorted by discount to Forward Fair Value.

Is NBTB overbought or oversold?

NBTB's 14-day RSI is in neutral territory - neither overbought nor oversold.

All Financial Services fair-value coverage →

Head-to-head comparisons

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