NBT Bancorp Inc. (NBTB) is a Financials stock trading at $51.87 (as of 2026-08-20), with a market capitalization of $2.70B and a trailing P/E of 14.9. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.
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 deposit accounts. The company's loan portfolio comprises commercial and industrial, commercial real estate, agricultural, and commercial construction loans; indirect and direct consumer, home equity, mortgages, business banking loans, and commercial loans; and residential real estate loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan consulting and recordkeeping services. In addition, the company offers insurance products comprising personal property and casualty, business liability, and commercial insurance, as well as other products and services through 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. As of December 31, 2021, it had 140 branches and 164 ATMs in New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Connecticut, and Maine. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York.
NBT Bancorp provides commercial banking, retail banking, and wealth management services, earning money from interest on its loan portfolio (across commercial, real estate, and consumer-related lending) and from fee-based trust, investment, retirement plan, wealth management, and insurance services.
Its profit model is driven by the balance between lending and deposit products (interest income from loans) and fee-based wealth and retirement services (trust, investment, and related services).
Business quality (Strong): The company is clearly a bank with both lending and fee-based wealth services, but the only provided segment revenue figure is for Retirement Plan Services, Wealth Management, and Insurance Services, so the full segment mix is not available here.
Valuation: At 14× earnings, NBTB trades 11% above the Banking average (13×). Note: one-time items can distort reported P/E.
| Price | $51.87 |
| Market Cap | $2.70B |
| P/E Ratio | 14.9 |
| EV / EBITDA | 11.4 |
| Price / Book | 1.39 |
| Price / Sales | 3.66 |
| FCF Yield | 8.4% |
| DCF Value (model) | $61.57 |
| DCF Upside vs Price | 18.7% |
| Revenue (TTM) | $182.95M |
| Net Margin | 92.5% |
| Revenue Growth (YoY) | 4.6% |
| EPS Growth (YoY) | 126.7% |
| FCF Growth (YoY) | 37.1% |
| Stock P/E | 14.9 |
| Sector P/E (Financials) | 15.1 |
| Industry P/E (Banking) | 12.9 |
| vs Sector | -1.7% |
| vs Industry | 15.2% |
| Top Institutional Holder | BlackRock, Inc. ($315.10M) |
| Institutional Holders Tracked | 10 |
| Sector | Financials |
| Industry | Banking |
| CEO | Scott A. Kingsley |
| Employees | 2,083 |
| Country | US |
| IPO Date | 1992-03-17 |
Data as of 2026-08-20.
Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.