NBTB
NBT BANCORP INC
Next earnings Jul 27, 2026 · consensus $1.03 EPS, $192M rev
Last earnings +1.3% on 2026-04-23
$49.59
▲ +0.67%$49.59▲ +25.90%
over 1Y
L $38.27EODHDH $49.59
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+0.7%
1W+4.9%
1M+8.5%
3M+19.4%
YTD+21.2%
1Y+25.9%
Buy
Conviction
Horizon
Medium (3–12mo)
Street · 13 analysts
Buy
Revenue grew 10.4% YoY.
Revenue (FY2025) $183M · FY2025
The read
Quality fundamentals and an attractive price line up (~122% below fair value) — the rarer case where both the business and the entry look good.
NBT BANCORP INC shows $183M in FY2025 revenue (+10.4% YoY), a 92.5% net margin, and 8.9% ROE.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $151M | $151M | $145M | $166M | $183M |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $155M | $152M | $119M | $141M | $169M |
| Diluted EPS | $3.54 | $3.52 | $2.65 | $2.97 | $3.33 |
| Net margin | 102.6% | 100.9% | 82.1% | 84.9% | 92.5% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF11.8
PEG (trailing)0.73
Earnings yield6.5%
FCF yield8.5%
Quality & risk
ROIC (est.)—
Free cash flow$219M
Total debt$222M
Net cash$265M
Piotroski F-Score5/7
Capital returns
Buyback yield0.4%
Dividend yield (est.)2.8%
Shareholder yield3.2%
Shares Δ YoY+10.5%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗11-KPeriod ending 2025-12-312026-06-24open ↗144Filing2026-06-12open ↗144Filing2026-06-12open ↗4Period ending 2026-06-122026-06-12open ↗4Period ending 2026-06-122026-06-12open ↗4Period ending 2026-06-092026-06-10open ↗144Filing2026-06-09open ↗3Period ending 2026-06-012026-06-08open ↗3Period ending 2026-06-012026-06-08open ↗4Period ending 2026-06-052026-06-08open ↗144Filing2026-06-05open ↗4Period ending 2026-05-212026-05-22open ↗
Frequently asked
- Is NBT BANCORP INC (NBTB) a buy?
- NBTB currently carries a Buy rating with 4/5 conviction, derived from its latest SEC filings. Revenue grew 10.4% YoY.
- What is NBTB's fair value?
- A Modified-Graham model based on NBTB's SEC fundamentals estimates a fair value of about $110.32. It is an estimate from reported earnings, not a price target.
- Is NBTB overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, NBTB currently appears undervalued relative to its SEC-grounded earnings power.
- What is NBT BANCORP INC's quality score?
- NBTB scores 75.6470588235294/100 (grade B+) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0000790359, latest 10-Q filed 2026-05-08) · EODHD · as of 6/26/2026, 7:14:58 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.