NBT Bancorp Inc. (NBTB) Stock
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Financials & Margins
Annual Financials (USD)
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About NBT Bancorp Inc.
NBT Bancorp Inc. (NBTB) stock trades at $52.87 with a market capitalization of $2.75B. The stock is valued at a price-to-earnings (P/E) ratio of 12.22, price-to-book of 1.35, price-to-sales of 2.76. Over the past 52 weeks the stock has ranged between $39.20 and $54.50, and currently trades 3.0% below its 52-week high. It pays a dividend yielding 3.19%.
On profitability, NBT Bancorp Inc. generates a return on equity (ROE) of 11.26%, return on capital employed of 1.74%, an operating margin of 39.14%, a net profit margin of 22.65%.
NBT Bancorp Inc. by the numbers, 2016–2025
Between 2016 and 2025 NBT Bancorp Inc. reported revenue of $399.0M rising to $867.0M, a change of +117.3% across 10 years. Compounded, revenue has grown 12.0% a year over five years, 17.3% over three, 10.3% over the last twelve months. Net profit rose to $169.0M.
Operating margin went from 29.8% in 2016 to 25.3% in 2025, a fall of 4.5 percentage points. The most recent net margin is 22.65%. On a trailing twelve-month basis to Jun '26, revenue is $945.0M and net profit $214.0M.
Borrowings fell from $887.0M to $327.0M, cash from operations was $235.0M in the latest year, positive in 10 of the last 10.
Return on equity has averaged 10.4% over five years, and was 8.9% in the most recent year.
The share price itself has compounded at 5.7% a year over five years, 15.3% over three, 4.2% over the last year. Past price movement is history, not a forecast.
Figures are as reported and in the company's own reporting currency. They describe what has already happened and carry no implication about what follows.
NBT Bancorp Inc. (NBTB) — frequently asked questions
What is NBT Bancorp Inc. (NBTB) stock price today?
NBT Bancorp Inc. (NBTB) is currently trading at $52.87, up 0.15% today.
What is NBTB P/E ratio?
NBT Bancorp Inc.'s P/E ratio is 12.22. This is below the typical market average of roughly 18-22x. A low P/E can reflect a lower valuation, slower expected growth, or both.
What is NBTB return on equity (ROE)?
NBT Bancorp Inc.'s return on equity (ROE) is 11.26%. ROE measures net income relative to shareholders' equity. This is below the typical market range of roughly 12-15%.
What is NBT Bancorp Inc.'s market cap?
NBT Bancorp Inc. has a market capitalization of $2.75B.
Does NBTB pay a dividend?
Yes. NBT Bancorp Inc. currently yields 3.19%. Yield moves with the share price, so it changes daily even when the payment does not.
How much debt does NBTB carry?
NBT Bancorp Inc. has a debt-to-equity ratio of 0.08. That compares total borrowings with shareholders' equity: a figure under 1 means equity exceeds debt.
What is NBTB's profit margin?
NBT Bancorp Inc. reports a net profit margin of 22.65% — the share of revenue left after every cost, including tax and interest.
What sector is NBTB in?
NBT Bancorp Inc. is classified under Financial Services, in the Banks - Regional industry. Ratios are most informative compared with other companies in the same industry rather than across the whole market.
Which exchange is NBTB listed on?
NBT Bancorp Inc. trades on NMS under the ticker NBTB.
What is NBTB's 52-week range?
Over the last year NBT Bancorp Inc. has traded between $39.20 and $54.50.
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On the figures above, NBT Bancorp Inc. passes the filters for 15 of our ready-made screens, among them Undervalued Stocks, Undervalued Dividend Stocks, Dividend Stocks. Appearing on a screen means the numbers meet its filters today and nothing more; the list is rebuilt whenever the data changes.
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Data for information only, not investment advice. Figures may be delayed or inaccurate; verify against company filings. See our disclaimer.