NMS · Banks - Regional

NBTB (NBTB) Stock

$51.63 +0.82% NMS: NBTB Financial Services

Valuation

MetricValue
Price$51.63
Market Cap$2.69B
P/E Ratio12.50
P/B Ratio1.38
P/S Ratio2.82
EPS (TTM)$3.54
52-Week High$54.50
52-Week Low$39.20
Dividend Yield3.10%

Financials & Margins

MetricValue
ROE11.26%
ROA1.32%
ROCE1.74%
Gross Margin25.26%
Operating Margin39.14%
Net Margin22.65%
Debt/Equity0.08
Current Ratio1.60

Annual Financials (USD)

Metric20212022202320242025
Revenue$495.0M$537.0M$662.0M$786.0M$867.0M
Operating Profit$200.0M$196.0M$153.0M$179.0M$219.0M
Net Profit$155.0M$152.0M$119.0M$141.0M$169.0M
EPS$3.54$3.52$2.65$2.96$3.33
Op Margin40.4%36.5%23.2%22.8%25.3%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$12.0B$11.7B$13.3B$13.8B$16.0B
Total Liabilities$10.8B$10.6B$11.9B$12.3B$14.1B
Cash$1.3B$197.0M$205.0M$284.0M$185.0M
Borrowings$311.0M$788.0M$637.0M$415.0M$327.0M

Latest News

NBTB: Raising target price to $56.00 Argus Research · Jul 15, 2026 3 Unpopular Stocks We Approach with Caution StockStory · Jul 6, 2026 NBT Bancorp Inc. Announces Date of Second Quarter Conference Call GlobeNewswire · Jul 1, 2026 3 Small-Cap Stocks We Keep Off Our Radar StockStory · Jun 30, 2026 NBT Bancorp Insider Sold Shares Worth $995,751, According to a Recent SEC Filing MT Newswires · Jun 10, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$159.0M$183.0M$157.0M$189.0M$235.0M
Investing Cash Flow$-555.0M$-933.0M$-53.0M$-411.0M$153.0M
Financing Cash Flow$1.1B$-755.0M$157.0M$576.0M$74.0M
Net Cash Flow$596.0M$-1.1B$8.0M$79.0M$203.0M
Free Cash Flow$151.0M$176.0M$148.0M$177.0M$219.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.28
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y26.08%
Return 3Y61.52%
Return 5Y84.20%

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
BANR $71.12 +1.54% 11.50 $2.42B 2.97%
BUSE $30.68 +0.72% 10.84 $2.59B 3.43%
CUBI $79.64 +1.25% 9.85 $2.69B 0.00%
FBNC $64.34 +0.36% 19.91 $2.66B 1.50%
FFBC $32.83 +0.49% 11.44 $3.45B 3.16%

About NBTB

NBTB stock trades at $51.63 with a market capitalization of $2.69B. The stock is valued at a price-to-earnings (P/E) ratio of 12.50, price-to-book of 1.38, price-to-sales of 2.82. Over the past 52 weeks the stock has ranged between $39.20 and $54.50, and currently trades 5.3% below its 52-week high. It pays a dividend yielding 3.10%.

On profitability, NBTB 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%.

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