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NBT Bancorp Inc. (NBTB) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

NBT Bancorp Inc.

NBTBMarket cap $2.61BPrice $50.2

Country🇺🇸United States

SectorFinancials

IndustryBanks

NBT Bancorp runs community banks across upstate New York, New England, and Pennsylvania, offering commercial, retail, and wealth management services. With roots dating back over 175 years, it's built lasting local trust few regional banks can match.

In Bastion Portfolios?

52W Return+27%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+10%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+9%–

Rev CAGR (5y)+7%6

Earnings Forecast

EPS Growth Y+1+26%8

EPS Growth Y+2+9%6

EPS Growth Y+3+11%7

Quality

Margins

EBIT Margin0%5

Net Income Margin30%9

Free Cash Flow Margin34%9

Debt

Net Debt/EBITDAna–

Efficiency

ROE11%5

ROA1%3

Earnings Stability44

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)118

P/E Ratio (Forward 3y)108

P/BV1.38

EV Multiples

EV/EBITDA Fwd08

EV/EBIT Fwd08

Yield

Free Cash Flow Yield0.0%8

Dividend Yield3.2%7

Momentum

Short term

1 month return-2%7

3 month return+3%7

YTD return+24%8

Mid term

Price vs 52wHigh93%9

1 year return+26%8

Long term

3 year return+70%6

5 year return+57%6

Risk Shield

Price Risk

Beta0.85

Volatility24%9

Free Cash Flow

Free Cash Flow Margin34%9

Free Cash Flow Yield0.0%8

Quality

ROCE13%3

Earnings Stability44

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

NBTBNBT Bancorp

Revenue FY25$665M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+10%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+9%–

Revenue, next 5Y, CAGR+7%6

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+26%8

EPS growth, FY27E+9%6

EPS growth, FY28E+11%7

GROWTH ASSESSMENT

STRENGTHS

Earnings are set to grow in step with sales (EPS about 11%/yr vs revenue 9%/yr).

WATCH

Revenue is set to grow 9%/yr over the next 3 years, a little ahead of the market.6/10

Revenue grew 10%/yr over the last 3 years and is set to keep growing around 9%/yr.

Over five years revenue is set to grow 7%/yr, ahead of 50% of companies worldwide.6/10

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

STRONG78 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-2%7

3-month return+3%7

YTD return+24%8

MID & LONG-TERM▾SCORE

% of 52-week high93%9

1-year return+26%8

3-year return+70%6

5-year return+57%6

MOMENTUM ASSESSMENT

STRENGTHS

It's up 26% over the past year, now 7% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (-2%), over three months (+3%) and so far this year (+24%).

WATCH

Average long-term results. Multi-year returns are middling (+70% over three years and +57% over five), roughly average for the market.

WEAKNESSES

None flagged.

BOTTOM LINE

Fresh Momentum

Short-term returns are strong but the long track record is thin. Momentum is building — confirmation from longer horizons would strengthen the case.

04Value

Are you paying a fair price for it?

Stop guessing on NBT Bancorp Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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02Growth

Is it actually growing, and how fast?

NBTBNBT Bancorp

Revenue FY25$665M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+10%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+9%–

Revenue, next 5Y, CAGR+7%6

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+26%8

EPS growth, FY27E+9%6

EPS growth, FY28E+11%7

GROWTH ASSESSMENT

STRENGTHS

Earnings are set to grow in step with sales (EPS about 11%/yr vs revenue 9%/yr).

WATCH

Revenue is set to grow 9%/yr over the next 3 years, a little ahead of the market.6/10

Revenue grew 10%/yr over the last 3 years and is set to keep growing around 9%/yr.

Over five years revenue is set to grow 7%/yr, ahead of 50% of companies worldwide.6/10

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

STRONG78 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-2%7

3-month return+3%7

YTD return+24%8

MID & LONG-TERM▾SCORE

% of 52-week high93%9

1-year return+26%8

3-year return+70%6

5-year return+57%6

MOMENTUM ASSESSMENT

STRENGTHS

It's up 26% over the past year, now 7% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (-2%), over three months (+3%) and so far this year (+24%).

WATCH

Average long-term results. Multi-year returns are middling (+70% over three years and +57% over five), roughly average for the market.

WEAKNESSES

None flagged.

BOTTOM LINE

Fresh Momentum

Short-term returns are strong but the long track record is thin. Momentum is building — confirmation from longer horizons would strengthen the case.

04Value

Are you paying a fair price for it?

Stop guessing on NBT Bancorp Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community