Nbt Bancorp Stock Analysis

NBTB Stock  USD 43.20  0.26  0.60%   
NBT Bancorp is undervalued with Real Value of 50.0 and Target Price of 55.5. The main objective of NBT Bancorp stock analysis is to determine its intrinsic value, which is an estimate of what NBT Bancorp is worth, separate from its market price. There are two main types of NBT Bancorp's stock analysis: fundamental analysis and technical analysis.
The NBT Bancorp stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and NBT Bancorp's ongoing operational relationships across important fundamental and technical indicators.
  
Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in NBT Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in estimate.
For information on how to trade NBT Stock refer to our How to Trade NBT Stock guide.

NBT Stock Analysis Notes

About 68.0% of the company shares are owned by institutional investors. The company has price-to-book ratio of 1.34. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. NBT Bancorp last dividend was issued on the 3rd of March 2025. The entity had 105:100 split on the 29th of November 1999. NBT Bancorp Inc., a financial holding company, provides commercial banking, retail banking, and wealth management services. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York. NBT Bancorp operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 1801 people. To find out more about NBT Bancorp contact John Watt at 607 337 2265 or learn more at https://www.nbtbancorp.com.

NBT Bancorp Quarterly Total Revenue

147.85 Million

NBT Bancorp Investment Alerts

Many investors view ongoing market volatility as an opportunity to purchase more stocks at a favorable price or short it to generate a bearish trend profit opportunity. If you are one of those investors, make sure you clearly understand the position you are entering. NBT Bancorp's investment alerts are automatically generated signals that are significant enough to either complement your investing judgment regarding NBT Bancorp or challenge it. These alerts can help you understand what you are buying and avoid costly mistakes.
NBT Bancorp generated a negative expected return over the last 90 days
About 68.0% of the company shares are owned by institutional investors
On 17th of March 2025 NBT Bancorp paid $ 0.34 per share dividend to its current shareholders
Latest headline from finance.yahoo.com: Why NBT Bancorp is a Top Dividend Stock for Your Portfolio

NBT Bancorp Upcoming and Recent Events

Every quarterly earnings report provides investors with three things: an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to NBT Bancorp previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
22nd of April 2024
Upcoming Quarterly Report
View
29th of July 2024
Next Financial Report
View
31st of March 2024
Next Fiscal Quarter End
View
28th of January 2025
Next Fiscal Year End
View
31st of December 2023
Last Quarter Report
View
31st of December 2023
Last Financial Announcement
View

NBT Largest EPS Surprises

Earnings surprises can significantly impact NBT Bancorp's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
1996-01-23
1995-12-310.170.190.0211 
1997-07-07
1997-06-300.270.30.0311 
1996-10-08
1996-09-300.220.250.0313 
View All Earnings Estimates

NBT Bancorp Environmental, Social, and Governance (ESG) Scores

NBT Bancorp's ESG score is a quantitative measure that evaluates NBT Bancorp's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of NBT Bancorp's operations that may have significant financial implications and affect NBT Bancorp's stock price as well as guide investors towards more socially responsible investments.

NBT Stock Institutional Investors

Shares
Morgan Stanley - Brokerage Accounts2024-12-31
444.4 K
Fuller & Thaler Asset Management Inc2024-12-31
405.1 K
Goldman Sachs Group Inc2024-12-31
392.3 K
American Century Companies Inc2024-12-31
380.3 K
Eagle Asset Management, Inc.2024-09-30
378.9 K
Jpmorgan Chase & Co2024-12-31
376.8 K
Ubs Group Ag2024-12-31
346.6 K
Ceredex Value Advisors Llc2024-12-31
327.7 K
Manufacturers Life Insurance Co2024-12-31
273.2 K
Blackrock Inc2024-12-31
6.8 M
Vanguard Group Inc2024-12-31
5.6 M
Note, although NBT Bancorp's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

NBT Market Capitalization

The company currently falls under 'Mid-Cap' category with a current market capitalization of 2.05 B.

NBT Profitablity

The company has Profit Margin (PM) of 0.25 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.35 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.35.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.01  0.01 
Return On Capital Employed 0.04  0.04 
Return On Assets 0.01  0.01 
Return On Equity 0.09  0.08 

Management Efficiency

NBT Bancorp has return on total asset (ROA) of 0.0104 % which means that it generated a profit of $0.0104 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.0953 %, meaning that it created $0.0953 on every $100 dollars invested by stockholders. NBT Bancorp's management efficiency ratios could be used to measure how well NBT Bancorp manages its routine affairs as well as how well it operates its assets and liabilities. The current year's Return On Capital Employed is expected to grow to 0.04, whereas Return On Tangible Assets are forecasted to decline to 0.01. At present, NBT Bancorp's Total Assets are projected to increase significantly based on the last few years of reporting. The current year's Non Currrent Assets Other is expected to grow to about 12.3 B, whereas Non Current Assets Total are forecasted to decline to about 455.9 M.
Last ReportedProjected for Next Year
Book Value Per Share 32.05  33.65 
Tangible Book Value Per Share 23.67  24.85 
Enterprise Value Over EBITDA 14.42  9.92 
Price Book Value Ratio 1.49  1.80 
Enterprise Value Multiple 14.42  9.92 
Price Fair Value 1.49  1.80 
Enterprise ValueB2.1 B
Understanding the operational decisions made by NBT Bancorp management offers insights into its financial robustness. This evaluation is crucial for assessing the stock's investment potential.
Dividend Yield
0.0314
Operating Margin
0.3475
Profit Margin
0.2523
Forward Dividend Yield
0.0314
Beta
0.469

Technical Drivers

As of the 21st of March, NBT Bancorp secures the mean deviation of 1.21, and Standard Deviation of 1.62. In respect to fundamental indicators, the technical analysis model lets you check practical technical drivers of NBT Bancorp, as well as the relationship between them.

NBT Bancorp Price Movement Analysis

Execute Study
The output start index for this execution was nineteen with a total number of output elements of fourty-two. The Bollinger Bands is very popular indicator that was developed by John Bollinger. It consist of three lines. NBT Bancorp middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for NBT Bancorp. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.

NBT Bancorp Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific NBT Bancorp insiders, such as employees or executives, is commonly permitted as long as it does not rely on NBT Bancorp's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases NBT Bancorp insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.

NBT Bancorp Outstanding Bonds

NBT Bancorp issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. NBT Bancorp uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most NBT bonds can be classified according to their maturity, which is the date when NBT Bancorp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

NBT Bancorp Predictive Daily Indicators

NBT Bancorp intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of NBT Bancorp stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

NBT Bancorp Corporate Filings

F4
7th of March 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
10K
28th of February 2025
Annual report required by the U.S. Securities and Exchange Commission (SEC) of a company financial performance
ViewVerify
F4
26th of February 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
25th of February 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F5
14th of February 2025
The annual filing required by the Securities and Exchange Commission (SEC) from company insiders or beneficial owners
ViewVerify
8K
12th of February 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F4
11th of February 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
7th of February 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify

NBT Bancorp Forecast Models

NBT Bancorp's time-series forecasting models are one of many NBT Bancorp's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary NBT Bancorp's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

About NBT Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how NBT Bancorp prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling NBT shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as NBT Bancorp. By using and applying NBT Stock analysis, traders can create a robust methodology for identifying NBT entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.29  0.24 
Operating Profit Margin 0.87  0.91 
Net Profit Margin 0.23  0.17 

Current NBT Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. NBT analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. NBT analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceAdvice# of Analysts
55.5Buy5Odds
NBT Bancorp current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most NBT analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand NBT stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of NBT Bancorp, talking to its executives and customers, or listening to NBT conference calls.
NBT Analyst Advice Details

NBT Stock Analysis Indicators

NBT Bancorp stock analysis indicators help investors evaluate how NBT Bancorp stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading NBT Bancorp shares will generate the highest return on investment. By understating and applying NBT Bancorp stock analysis, traders can identify NBT Bancorp position entry and exit signals to maximize returns.
Begin Period Cash Flow205.2 M
Long Term Debt252 M
Common Stock Shares Outstanding47.5 M
Total Stockholder Equity1.5 B
Tax Provision38.8 M
Quarterly Earnings Growth Y O Y0.184
Property Plant And Equipment Net80.8 M
Cash And Short Term Investments1.8 B
Cash205.1 M
Net Debt-12.5 M
50 Day M A46.6156
Total Current Liabilities162.9 M
Other Operating Expenses79.1 M
Non Current Assets Total479.9 M
Forward Price Earnings13.4048
Stock Based Compensation-295 K

Complementary Tools for NBT Stock analysis

When running NBT Bancorp's price analysis, check to measure NBT Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy NBT Bancorp is operating at the current time. Most of NBT Bancorp's value examination focuses on studying past and present price action to predict the probability of NBT Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move NBT Bancorp's price. Additionally, you may evaluate how the addition of NBT Bancorp to your portfolios can decrease your overall portfolio volatility.
Price Exposure Probability
Analyze equity upside and downside potential for a given time horizon across multiple markets
ETF Categories
List of ETF categories grouped based on various criteria, such as the investment strategy or type of investments
Equity Analysis
Research over 250,000 global equities including funds, stocks and ETFs to find investment opportunities
Money Managers
Screen money managers from public funds and ETFs managed around the world
Theme Ratings
Determine theme ratings based on digital equity recommendations. Macroaxis theme ratings are based on combination of fundamental analysis and risk-adjusted market performance
Financial Widgets
Easily integrated Macroaxis content with over 30 different plug-and-play financial widgets
Global Markets Map
Get a quick overview of global market snapshot using zoomable world map. Drill down to check world indexes
Balance Of Power
Check stock momentum by analyzing Balance Of Power indicator and other technical ratios
Global Correlations
Find global opportunities by holding instruments from different markets