Stocktoria
NBT BANCORP INC NBTB
NBT BANCORP INC (NBTB) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend yielding 2.81% (safety: moderate). FY2025 revenue was $183.0M at a 92.5% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-06-26 | Piper Sandler | Overweight (main) |
| 2026-04-27 | DA Davidson | Buy (main) |
| 2026-02-25 | DA Davidson | Buy (init) |
| 2025-07-31 | DA Davidson | Buy (main) |
| 2025-04-28 | DA Davidson | Buy (main) |
| 2024-12-12 | DA Davidson | Neutral (init) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| NBTB | NBT BANCORP INC | 4/9 | — | 15.2 | +10.4% |
| TBBK | Bancorp, Inc. | 5/9 | — | 11.4 | +20.8% |
| HAFC | HANMI FINANCIAL CORP | 6/9 | — | 12.8 | +15.3% |
| FULT | FULTON FINANCIAL CORP | 3/9 | — | 11.8 | -6.5% |
| CHCO | CITY HOLDING CO | 6/9 | — | 14.5 | +3.2% |
| NBHC | National Bank Holdings Corp | 6/9 | — | 18.5 | +2.1% |
| CAC | CAMDEN NATIONAL CORP | 3/9 | — | 14.1 | +17% |
All Finance, Insurance & Real Estate companies →
About NBT BANCORP INC
NBT Bancorp Inc., a financial holding company, provides personal and commercial banking, retail banking, and wealth management services in the United States. It operates through Banking, Retirement Plan Administration, and All Other segments. The company offers demand deposit, savings, interest-bearing checking, money market deposit, and certificate of deposit accounts; and indirect and direct consumer loans, home equity loans and lines of credit, residential mortgages, business banking loans, commercial and industrial loans, agricultural loans, commercial construction loans, commercial real estate loans, indirect auto loans, and other consumer loans, as well as agricultural lending, personal lines of credit, overdraft protection, and second mortgage loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan and health savings account recordkeeping and administration, and actuarial services. In addition, the company offers insurance products, such as personal property and casualty, business liability, and commercial insurance; and other products and services through a network of ATM locations and 24-hour online, mobile, and telephone channels that enable customers to check balances, make deposits, transfer funds, pay bills, access statements, apply for loans, and access various other products and services. Further, it operates as a property management and passive investment company, as well as investment advisor that provides investment management and financial consulting services. The company serves retail, commercial, and municipal customers. It operates in upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York.
FAQ
Is NBTB financially healthy?
NBT BANCORP INC's Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does NBTB pay a dividend, and is it safe?
Yes. NBT BANCORP INC pays a dividend yielding about 2.81% with a 42.9% payout ratio, rated “moderate” for safety.
How profitable is NBTB?
In FY2025, NBT BANCORP INC had a net margin of 92.5% and a return on equity of 8.9%.
Is NBTB overvalued or undervalued?
NBT BANCORP INC trades at about 16.0× trailing earnings — above its 10-year norm (10-year range 10.9×–22.6×, median 13.9×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for NBTB?
The average Wall-Street price target for NBT BANCORP INC is $50.42, about 5.6% below the recent price, from 6 analysts (consensus: buy).
Is NBTB a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on NBT BANCORP INC: a Piotroski F-score of 4/9, a P/E of about 15.2×, a dividend yield of 2.81%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.