NBTBNasdaqNational Commercial BanksFiscal year ends December 31
NBT BANCORP INC
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 7, 2026
$50.68−0.17 (-0.33%)
Close on Oct 19, 2026
- Market cap
- $2.63B
- P/E (TTM)
- 12.5
- Dividend yield
- 2.80%
Nbt Bancorp statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of National Commercial Banks companies for comparison
Valuation
| Measure | Nbt Bancorp | Industry median |
|---|---|---|
| Market Cap | $2.63B | $679.86M |
| Enterprise Value | $2.66B | $408.94M |
| PE Ratio | 12.45 | 12.00 |
| PS Ratio | 3.55 | 3.61 |
| PB Ratio | 1.35 | 1.18 |
| P/TBV Ratio | 1.83 | 1.41 |
| P/FCF Ratio | 10.72 | 10.93 |
| P/OCF Ratio | 10.06 | 10.04 |
Enterprise value
| Measure | Nbt Bancorp | Industry median |
|---|---|---|
| EV / Sales | 3.58 | 2.78 |
| EV / FCF | 10.81 | 8.25 |
Income (trailing twelve months)
| Measure | Nbt Bancorp | Industry median |
|---|---|---|
| Revenue | $742.39M | $170.85M |
| Pretax Income | $277.31M | $70.12M |
| Net Income | $214.15M | $54.33M |
| EPS (Diluted) | $4.07 | $2.90 |
Margins
| Measure | Nbt Bancorp | Industry median |
|---|---|---|
| Pretax Margin | 37.4% | 36.4% |
| Profit Margin | 28.8% | 29.1% |
| FCF Margin | 33.1% | 33.0% |
Returns
| Measure | Nbt Bancorp | Industry median |
|---|---|---|
| Return on Equity (ROE) | 11.4% | 10.5% |
| Return on Assets (ROA) | 1.33% | 1.12% |
Growth
| Measure | Nbt Bancorp | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 19.4% | 11.8% |
| Net Income Growth (YoY) | 60.6% | 23.1% |
| EPS Growth (YoY) | 47.5% | 22.7% |
| FCF Growth (YoY) | 39.7% | 27.1% |
| Revenue Growth (3Y CAGR) | 6.69% | 5.82% |
| Revenue Growth (5Y CAGR) | 5.36% | 6.17% |
| EPS Growth (3Y CAGR) | -1.83% | 1.26% |
| EPS Growth (5Y CAGR) | 7.04% | 8.24% |
Balance sheet
| Measure | Nbt Bancorp | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $294.65M | $205.54M |
| Total Debt | $316.44M | $177.19M |
| Net Cash (Debt) | -$21.79M | $164.40M |
| Net Cash Per Share | -$0.42 | $8.13 |
| Equity (Book Value) | $1.94B | $560.44M |
| Book Value Per Share | $37.41 | $28.47 |
| Tangible Book Value | $1.44B | $472.29M |
Financial position
| Measure | Nbt Bancorp | Industry median |
|---|---|---|
| Debt / Equity | 0.16 | 0.20 |
| Debt / FCF | 1.29 | 1.81 |
Cash flow (trailing twelve months)
| Measure | Nbt Bancorp | Industry median |
|---|---|---|
| Operating Cash Flow | $261.66M | $61.20M |
| Capital Expenditures | -$16.05M | -$4.02M |
| Free Cash Flow | $245.61M | $52.43M |
| FCF Per Share | $4.73 | $3.07 |
Efficiency
| Measure | Nbt Bancorp | Industry median |
|---|---|---|
| Asset Turnover | 0.05 | 0.04 |
| Revenue Per Employee | $322.36K | $353.78K |
| Profits Per Employee | $92.99K | $107.28K |
| Employee Count | 2,303 | 489 |
Dividends and yields
| Measure | Nbt Bancorp | Industry median |
|---|---|---|
| Earnings Yield | 8.13% | 8.07% |
| FCF Yield | 9.33% | 8.89% |
| Dividend Yield | 2.80% | 2.48% |
| Buyback Yield | 0.92% | 1.55% |
| Shareholder Yield | 3.72% | 3.13% |
| Dividend Per Share | $1.42 | $0.93 |
| Dividend Growth (YoY) | 7.58% | 4.26% |
| Years of Dividend Growth | 8 | 2 |
| Payout Ratio | 36.0% | 29.4% |
| FCF Payout Ratio | 31.4% | 26.0% |
Shares
| Measure | Nbt Bancorp | Industry median |
|---|---|---|
| Shares Outstanding | 51,960,100 | 18,839,100 |
| Shares Change (YoY) | 8.53% | 0.39% |
| Float | 50,530,100 | 17,061,900 |
| Shares Held by Insiders | 2.75% | 5.89% |
| Shares Held by Institutions | 67.7% | 61.9% |
Taxes
| Measure | Nbt Bancorp | Industry median |
|---|---|---|
| Income Tax | $63.16M | $14.50M |
| Effective Tax Rate | 22.8% | 21.1% |
Scores
| Measure | Nbt Bancorp | Industry median |
|---|---|---|
| Graham Number | $58.53 | $45.31 |
| Graham Upside | 15.5% | 21.6% |
| Altman Z-Score | 0.27 | 0.21 |
| Piotroski F-Score | 6 | 6 |
Calculated by StockData from Nbt Bancorp's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.