Nbt Bancorp Stock Today

NBTB Stock  USD 43.48  0.22  0.51%   

Performance

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Odds Of Distress

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Low
NBT Bancorp is trading at 43.48 as of the 17th of March 2025, a 0.51 percent increase since the beginning of the trading day. The stock's open price was 43.26. NBT Bancorp has only a 6 % chance of going through financial distress over the next few years, but has generated negative returns over the last 90 days. The performance scores are derived for the period starting the 17th of December 2024 and ending today, the 17th of March 2025. Click here to learn more.
Business Domain
Banks
IPO Date
17th of March 1992
Category
Financial Services
Classification
Financials
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. The company has 47.25 M outstanding shares of which 1.53 M shares are now shorted by private and institutional investors with about 8.33 trading days to cover. More on NBT Bancorp

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NBT Stock Highlights

ESG Sustainability
Environmental
Governance
Social
President CEOJohn Watt
Business ConcentrationRegional Banks, Banks - Regional, Financial Services, SP Small-Cap 600, NASDAQ Composite, NASDAQ Financial 100, NASDAQ Composite Total, Financials, Banks, Banks—Regional, Financial Services (View all Sectors)
Average Analyst Recommendation
Financial Strength
Current ValueLast YearChange From Last Year 10 Year Trend
Return On Assets0.00790.0102
Significantly Down
Slightly volatile
Asset Turnover0.05160.0444
Fairly Up
Slightly volatile
Total Current Liabilities154.8 M162.9 M
Notably Down
Slightly volatile
Non Current Liabilities Total12.7 B12.1 B
Sufficiently Up
Slightly volatile
Total Assets14.5 B13.8 B
Sufficiently Up
Slightly volatile
Total Current Assets3.3 B1.8 B
Way Up
Slightly volatile
Total Cash From Operating Activities198 M188.6 M
Sufficiently Up
Slightly volatile
Debt Levels
NBT Bancorp can leverage the use of borrowed funds to amplify returns from an investment. In general, analyzing the relationship between debt to total assets helps investors to understand NBT Bancorp's financial leverage. It provides some insight into what part of NBT Bancorp's total assets is financed by creditors.
Liquidity
NBT Bancorp currently holds 192.59 M in liabilities with Debt to Equity (D/E) ratio of 0.26, which may suggest the company is not taking enough advantage from borrowing. Note, when we think about NBT Bancorp's use of debt, we should always consider it together with its cash and equity.

Change In Cash

82.81 Million
NBT Bancorp (NBTB) is traded on NASDAQ Exchange in USA. It is located in 52 South Broad Street, Norwich, NY, United States, 13815 and employs 2,083 people. NBT Bancorp is listed under Regional Banks category by Fama And French industry classification. The company currently falls under 'Mid-Cap' category with a current market capitalization of 2.04 B. NBT Bancorp conducts business under Banks sector and is part of Financials industry. The entity has 47.25 M outstanding shares of which 1.53 M shares are now shorted by private and institutional investors with about 8.33 trading days to cover. NBT Bancorp currently holds about 321.06 M in cash with 188.57 M of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 7.5.
Check NBT Bancorp Probability Of Bankruptcy
Ownership Allocation
NBT Bancorp maintains a total of 47.25 Million outstanding shares. Over half of NBT Bancorp's outstanding shares are owned by institutional investors. These institutional investors are typically referred to as corporate investors that shop for positions in a given instrument to benefit from reduced trade commissions. Please note that no matter how many assets the company has, if the real value of the entity is less than the current market value, you may not be able to make money on it.
Check NBT Ownership Details

NBT Stock Institutional Holders

InstituionRecorded OnShares
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
View NBT Bancorp Diagnostics

NBT Bancorp Historical Income Statement

At present, NBT Bancorp's Depreciation And Amortization is projected to increase significantly based on the last few years of reporting. The current year's Interest Expense is expected to grow to about 222.1 M, whereas Total Other Income Expense Net is projected to grow to (335.5 M). View More Fundamentals

NBT Stock Against Markets

NBT Bancorp Corporate Management

Amy HurtaSenior VPProfile
Dawn CFASVP LendingProfile
Shaunastar HyleExecutive LendingProfile
Shauna HyleExecutive BankingProfile
Ruth MahoneyExecutive ManagementProfile
Annette BurnsSenior OfficerProfile
When determining whether NBT Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of NBT Bancorp's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Nbt Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Nbt Bancorp Stock:
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.
You can also try the Risk-Return Analysis module to view associations between returns expected from investment and the risk you assume.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of NBT Bancorp. If investors know NBT will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about NBT Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.184
Dividend Share
1.32
Earnings Share
2.97
Revenue Per Share
11.817
Quarterly Revenue Growth
0.145
The market value of NBT Bancorp is measured differently than its book value, which is the value of NBT that is recorded on the company's balance sheet. Investors also form their own opinion of NBT Bancorp's value that differs from its market value or its book value, called intrinsic value, which is NBT Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because NBT Bancorp's market value can be influenced by many factors that don't directly affect NBT Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between NBT Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if NBT Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, NBT Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.