NBT Bancorp Statistics

Total Valuation

NBT Bancorp has a market cap or net worth of $2.58 billion. The enterprise value is $2.16 billion.

Market Cap	2.58B
Enterprise Value	2.16B

Important Dates

The next estimated earnings date is Monday, July 27, 2026, after market close.

Earnings Date	Jul 27, 2026
Ex-Dividend Date	Jun 1, 2026

Share Statistics

NBT Bancorp has 52.01 million shares outstanding. The number of shares has increased by 9.77% in one year.

Current Share Class	52.01M
Shares Outstanding	52.01M
Shares Change (YoY)	+9.77%
Shares Change (QoQ)	-0.33%
Owned by Insiders (%)	1.90%
Owned by Institutions (%)	64.89%
Float	50.99M

Valuation Ratios

The trailing PE ratio is 14.03 and the forward PE ratio is 11.58.

PE Ratio	14.03
Forward PE	11.58
PS Ratio	3.70
Forward PS	3.33
PB Ratio	1.35
P/TBV Ratio	1.83
P/FCF Ratio	11.25
P/OCF Ratio	10.47
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	11.77
EV / Sales	3.10
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	9.42

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	1.59
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 10.55%.

Return on Equity (ROE)	10.55%
Return on Assets (ROA)	1.22%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	6.13%
Revenue Per Employee	$302,462
Profits Per Employee	$79,736
Employee Count	2,303
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, NBT Bancorp has paid $55.27 million in taxes.

Income Tax	55.27M
Effective Tax Rate	23.13%

Stock Price Statistics

The stock price has increased by +22.05% in the last 52 weeks. The beta is 0.50, so NBT Bancorp's price volatility has been lower than the market average.

Beta (5Y)	0.50
52-Week Price Change	+22.05%
50-Day Moving Average	45.82
200-Day Moving Average	43.43
Relative Strength Index (RSI)	68.32
Average Volume (20 Days)	395,259

Short Selling Information

The latest short interest is 1.60 million, so 3.08% of the outstanding shares have been sold short.

Short Interest	1.60M
Short Previous Month	1.52M
Short % of Shares Out	3.08%
Short % of Float	3.14%
Short Ratio (days to cover)	4.93

Income Statement

In the last 12 months, NBT Bancorp had revenue of $696.57 million and earned $183.63 million in profits. Earnings per share was $3.54.

Revenue	696.57M
Gross Profit	696.57M
Operating Income	281.19M
Pretax Income	238.90M
Net Income	183.63M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$3.54

Full Income Statement

Balance Sheet

The company has $784.30 million in cash and $365.59 million in debt, giving a net cash position of $418.71 million or $8.05 per share.

Cash & Cash Equivalents	784.30M
Total Debt	365.59M
Net Cash	418.71M
Net Cash Per Share	$8.05
Equity (Book Value)	1.91B
Book Value Per Share	36.81
Working Capital	-13.09B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $246.25 million and capital expenditures -$17.02 million, giving a free cash flow of $229.23 million.

Operating Cash Flow	246.25M
Capital Expenditures	-17.02M
Depreciation & Amortization	n/a
Net Borrowing	-130.44M
Free Cash Flow	229.23M
FCF Per Share	$4.41

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	40.37%
Pretax Margin	34.30%
Profit Margin	26.36%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	32.91%

Dividends & Yields

This stock pays an annual dividend of $1.48, which amounts to a dividend yield of 2.98%.

Dividend Per Share	$1.48
Dividend Yield	2.98%
Dividend Growth (YoY)	8.82%
Years of Dividend Growth	13
Payout Ratio	41.86%
Buyback Yield	-9.77%
Shareholder Yield	-6.78%
Earnings Yield	7.12%
FCF Yield	8.89%

Dividend Details

Analyst Forecast

The average price target for NBT Bancorp is $50.42, which is 1.67% higher than the current price. The consensus rating is "Buy".

Price Target	$50.42
Price Target Difference	1.67%
Analyst Consensus	Buy
Analyst Count	7
Revenue Growth Forecast (3Y)	n/a
EPS Growth Forecast (3Y)	n/a

Stock Forecasts

Stock Splits

The last stock split was on November 29, 1999. It was a forward split with a ratio of 1.05:1.

Last Split Date	Nov 29, 1999
Split Type	Forward
Split Ratio	1.05:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4