NMS · Banks - Regional

NBTB (NBTB) Stock

$52.97 +0.61% NMS: NBTB Financial Services

Valuation

MetricValue
Price$52.97
Market Cap$2.75B
P/E Ratio12.71
P/B Ratio1.23
P/S Ratio2.51
EPS (TTM)$3.54
52-Week High$52.97
52-Week Low$39.20
Dividend Yield3.22%

Financials & Margins

MetricValue
ROE10.55%
ROA1.22%
ROCE11.57%
Gross Margin25.26%
Operating Margin39.14%
Net Margin19.66%
Debt/Equity0.08
Current Ratio1.60

Annual Financials (USD)

Metric20212022202320242025
Revenue$495.0M$537.0M$662.0M$786.0M$867.0M
Operating Profit$200.0M$196.0M$153.0M$179.0M$219.0M
Net Profit$155.0M$152.0M$119.0M$141.0M$169.0M
EPS$3.54$3.52$2.65$2.96$3.33
Op Margin40.4%36.5%23.2%22.8%25.3%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$12.0B$11.7B$13.3B$13.8B$16.0B
Total Liabilities$10.8B$10.6B$11.9B$12.3B$14.1B
Cash$1.3B$197.0M$205.0M$284.0M$185.0M
Borrowings$311.0M$788.0M$637.0M$415.0M$327.0M

Latest News

NBTB: Raising target price to $56.00 Argus Research · Jul 15, 2026 3 Unpopular Stocks We Approach with Caution StockStory · Jul 6, 2026 NBT Bancorp Inc. Announces Date of Second Quarter Conference Call GlobeNewswire · Jul 1, 2026 3 Small-Cap Stocks We Keep Off Our Radar StockStory · Jun 30, 2026 NBT Bancorp Insider Sold Shares Worth $995,751, According to a Recent SEC Filing MT Newswires · Jun 10, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$159.0M$183.0M$157.0M$189.0M$235.0M
Investing Cash Flow$-555.0M$-933.0M$-53.0M$-411.0M$153.0M
Financing Cash Flow$1.1B$-755.0M$157.0M$576.0M$74.0M
Net Cash Flow$596.0M$-1.1B$8.0M$79.0M$203.0M
Free Cash Flow$151.0M$176.0M$148.0M$177.0M$219.0M

Valuation & Return Ratios

MetricValue
PEG Ratio2.66
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y26.08%
Return 3Y61.52%
Return 5Y84.20%

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AAPLApple Inc. $313.33 +0.29% 37.72 $4.60T 0.34%
MSFTMicrosoft Corporation $499.99 +0.03% 22.95 $3.71T 0.94%
GOOGLAlphabet Inc. $354.30 -0.96% 27.68 $4.29T 0.23%
AMZNAmazon.com, Inc. $274.48 +0.82% 28.76 $2.95T 0.00%
METAMeta Platforms, Inc. $592.10 +0.37% 21.47 $1.51T 0.35%

About NBTB

NBTB stock trades at $52.97 with a market capitalization of $2.75B. The stock is valued at a price-to-earnings (P/E) ratio of 12.71, price-to-book of 1.23, price-to-sales of 2.51. Over the past 52 weeks the stock has ranged between $39.20 and $52.97, and currently trades at its 52-week high. It pays a dividend yielding 3.22%.

On profitability, NBTB generates a return on equity (ROE) of 10.55%, return on capital employed of 11.57%, an operating margin of 39.14%, a net profit margin of 19.66%.

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