NBT Bancorp Inc. (NBTB) fair value analysis
Nasdaq · Updated 2026-10-19
NBTB price how computed
Forward Fair Value verdict
Fairly valuedNBTB is trading at within about 10% of estimated fair value.
Based on TickrTrends' weekly Forward Fair Value model.
- Last price
- $50.85
- Sector
- Financial Services
- 12-month range
- $39.61–$54.26
- Market cap
- $2.64B
- From 52-week high
- -6.3%
- Shares outstanding
- 52M
- Rank in Financial Services by discount to fair value
- #98 of 167
Last price is our stored weekly price from 2026-10-16, older than the 2026-10-19 run that built this page; the chart runs through 2026-10-16.
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.
NBTB currently ranks #98 of 167 Financial Services stocks by discount to fair value. It has screened as Fairly valued for 14 consecutive weekly runs.
Fundamentals (4 quarters) how computed
- Market cap
- $2.64B
- P/E (trailing)
- 12x
- Revenue (TTM)
- $945M
- Net margin
- 22.7%
- EPS (TTM)
- $4.08
- Gross margin
- 76.7%
- Debt / equity
- 0.24
- Revenue growth (3-yr avg)
- 11.1%
- Shares outstanding
- 52M
Derived indicators how computed
- Quality grade
- A
- Margin trend
- Expanding
- 52-week position
- The top quarter of its range
Technicals how computed
- RSI (14-day)
- 49 · neutral
- 50-day average
- $51.47
- 200-day average
- $47.21
- Moving-average state
- 50-day above 200-day (golden cross state); price between the averages
Dividends how computed
- Paid, last 12 months
- $1.51 per share (4 payments)
- Yield on last price
- 2.97%
- Consecutive years of increases
- 13
- Last ex-dividend date
- 2026-09-01
- Last payment date
- 2026-09-15
Earnings how computed
- Next earnings report
- 2026-10-27 (post-market)
- Last 8 quarters vs consensus
- 6 beat, 2 missed
- Quarter by quarter
- 2026-06 ▼ miss (-1.0%)
2026-03 ▼ miss (-1.0%)
2025-12 ▲ beat (+6.1%)
2025-09 ▲ beat (+8.2%)
2025-06 ▲ beat (+25.7%)
2025-03 ▲ beat (+4.1%)
2024-12 ▲ beat (+1.3%)
2024-09 ▲ beat (+3.9%)
Analyst consensus how computed
This is not TickrTrends' verdict.
- Analyst ratings
- 2 buy · 5 hold · 0 sell (7 analysts)
- Consensus lean
- Hold-leaning
- Consensus price target
- $57.5
- Target vs last price
- +13.1%
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 $39.61–$54.26.
- The 14-day relative strength index sits at a neutral 49.
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
Forward Fair Value applies a conservatively normalized historical price-to-earnings multiple to the consensus earnings estimate for the next full fiscal year; how TickrTrends computes it.
Recent NBTB news
TickrTrends' derived news-sentiment signal for NBTB is currently leaning positive, computed from recent coverage.
- Kimberly A. Boynton Named to NBT Board of Directors (manilatimes.net, 2026-09-21)
TickrTrends take: NBT Bancorp appointed Kimberly A. Boynton to its board of directors, a governance development that occurs within a company currently assessed as fairly valued by TickrTrends. Board composition changes in the financial services sector can influence operational oversight and strategic direction, making them relevant data points for investors monitoring whether the company's valuation remains appropriately calibrated. Readers tracking NBTB should consider whether this appointment signals any shifts in the company's priorities or risk management approach that could affect its valuation trajectory.
What people are saying
Follow the NBTB conversation: Stocktwits · Reddit · X
TickrTrends weekly updates
- 2026-10-19 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-12 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-11 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-10 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-05 — TickrTrends' derived indicators show that NBTB has moved lower in the sector discount ranking this week, dropping from position 102 to position 107 among Financial Services companies. The stock maintains a fairly valued assessment based on current valuation metrics.
- 2026-09-28 — NBTB's position within the Financial Services sector has shifted this week, with its sector discount rank moving from 89 to 102. Under TickrTrends' derived indicators, the stock remains fairly valued at its current price levels. The decline in discount ranking indicates the stock is now positioned lower among its sector peers in terms of valuation discount metrics.
- 2026-09-21 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-17 — No material change this week: the verdict, bands and grades all held steady.
Frequently asked questions
Is NBTB stock undervalued?
Based on TickrTrends' Forward Fair Value model (updated 2026-10-19), 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 #98 of 167 Financial Services stocks in TickrTrends' coverage by discount to fair value.
Is NBTB overbought or oversold?
NBTB's 14-day RSI is in neutral territory - neither overbought nor oversold.
Does NBTB pay a dividend?
Yes. NBTB paid $1.51 per share over the last twelve months (4 payments), a 2.97% yield on TickrTrends' last price, and has raised the annual total for 13 consecutive years. The last ex-dividend date was 2026-09-01.
When does NBTB report earnings next?
NBTB's next earnings report is scheduled for 2026-10-27 (post-market), per the published earnings calendar.
Does NBTB usually beat earnings estimates?
Over its last 8 reported quarters NBTB beat the consensus estimate 6 times and missed 2 times, by TickrTrends' comparison of reported and estimated EPS.
What do analysts say about NBTB?
Of 7 analysts covering NBTB, 2 rate it a buy, 5 a hold and 0 a sell - hold-leaning, with a consensus price target of $57.5 (+13.1% versus TickrTrends' last price). This is the analyst consensus, not TickrTrends' Forward Fair Value verdict.
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