Stocktoria

NBT BANCORP INC NBTB

Nasdaq · stock · National Commercial Banks · website · IPO 1992-03-17

NBT BANCORP INC statistics & valuation

Market cap$2.6B
P / E15.2×
P / S14.1×
P / B1.4×
Dividend yield2.81%
Net margin92.5%
Return on equity8.9%
Graham number -1.1%$52.85

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($52.85); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
70.50% 72.40% 89.30% 90.00% 74.10% 102.60% 100.90% 82.10% 84.90% 92.50% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
8.60% 8.60% 11.10% 10.80% 8.80% 12.40% 13.00% 8.30% 9.20% 8.90% 2016201720182019202020212022202320242025
Shares outstanding
43622 43905 44.0M 44.1M 44.0M 43.7M 43.2M 44.8M 47.4M 50.9M 2016201720182019202020212022202320242025
Net debt ($)
-$45.1M -$70.8M -$107.2M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.90% 0.90% 1.20% 1.20% 1.00% 1.30% 1.30% 0.90% 1.00% 1.10% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
0.11× 0.09× 0.07× 2016201720182019202020212022202320242025
EPS ($)
$1.80 $1.87 $2.56 $2.74 $2.37 $3.54 $3.52 $2.65 $2.97 $3.33 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

NBT BANCORP INC trades at about 16× earnings — above its 10-year norm (10-year range 10.9×–22.6×, median 13.9×).

10.9× 22.6×

Shaded band = 10-year range (10.9×–22.6×); dot = today's 16×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin92.5%84.9%82.1%100.9%102.6%74.1%90.0%89.3%72.4%70.5%
Return on assets1.1%1.0%0.9%1.3%1.3%1.0%1.2%1.2%0.9%0.9%
Return on equity8.9%9.2%8.3%13.0%12.4%8.8%10.8%11.1%8.6%8.6%
Debt / equity———————0.07×0.09×0.11×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.