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NBT Bancorp Inc. NBTB

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Price alert · NBTB

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52.83 USD -0.14 (-0.26%)

At closeNov 6, 2026, 4:01 PM EST

52.83 0.00 0.00%

After hours · Nov 6, 4:01 PM ET

52.48 Day range 53.17
39.61 52-week range 54.26
YTD
+27.24%
1 year
+29.33%

Financial health

Altman Z-Score

0.34 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

8 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

B+3 / 5 overall

  • DCF 4
  • Return on Equity 3
  • Return on Assets 3
  • Debt / Equity 3
  • P/E 3
  • P/B 2

Valuation

P/E 12.4×
FY 2016: 23.1×FY 2017: 19.5×FY 2018: 13.4×FY 2019: 14.7×FY 2020: 13.4×FY 2021: 10.8×FY 2022: 12.3×FY 2023: 15.7×FY 2024: 16.0×FY 2025: 12.4×
FY 2016 5y median 12.4× FY 2025
P/S 2.3×
FY 2016: 4.5×FY 2017: 3.8×FY 2018: 3.2×FY 2019: 3.5×FY 2020: 2.9×FY 2021: 3.4×FY 2022: 3.5×FY 2023: 2.8×FY 2024: 2.9×FY 2025: 2.3×
FY 2016 5y median 2.9× FY 2025
P/B 1.0×
FY 2016: 2.0×FY 2017: 1.7×FY 2018: 1.5×FY 2019: 1.6×FY 2020: 1.2×FY 2021: 1.3×FY 2022: 1.6×FY 2023: 1.3×FY 2024: 1.5×FY 2025: 1.0×
FY 2016 5y median 1.3× FY 2025
P/FCF 8.9×
FY 2016: 17.1×FY 2017: 12.3×FY 2018: 10.8×FY 2019: 12.1×FY 2020: 10.2×FY 2021: 11.0×FY 2022: 10.6×FY 2023: 12.6×FY 2024: 12.7×FY 2025: 8.9×
FY 2016 5y median 11.0× FY 2025
EV/EBITDA 8.3×
FY 2016: 19.4×FY 2017: 16.6×FY 2018: 15.8×FY 2019: 13.5×FY 2020: 7.4×FY 2021: 3.3×FY 2022: 11.4×FY 2023: 13.1×FY 2024: 11.5×FY 2025: 8.3×
FY 2016 5y median 11.4× FY 2025
EV/Sales 2.4×
FY 2016: 6.4×FY 2017: 5.5×FY 2018: 5.1×FY 2019: 4.7×FY 2020: 2.3×FY 2021: 1.4×FY 2022: 4.6×FY 2023: 3.5×FY 2024: 3.0×FY 2025: 2.4×
FY 2016 5y median 3.0× FY 2025
FCF Yield 11.2%
FY 2016: 5.9%FY 2017: 8.1%FY 2018: 9.3%FY 2019: 8.3%FY 2020: 9.8%FY 2021: 9.1%FY 2022: 9.5%FY 2023: 7.9%FY 2024: 7.8%FY 2025: 11.2%
FY 2016 5y median 9.1% FY 2025

Profitability

Gross Margin 72.1%
FY 2016: 88.0%FY 2017: 86.6%FY 2018: 85.5%FY 2019: 84.0%FY 2020: 83.0%FY 2021: 97.9%FY 2022: 92.7%FY 2023: 74.4%FY 2024: 70.6%FY 2025: 72.1%
FY 2016 5y median 74.4% FY 2025
Operating Margin 25.3%
FY 2016: 29.8%FY 2017: 30.1%FY 2018: 29.5%FY 2019: 30.6%FY 2020: 27.1%FY 2021: 40.4%FY 2022: 36.5%FY 2023: 23.2%FY 2024: 22.8%FY 2025: 25.3%
FY 2016 5y median 25.3% FY 2025
Net Margin 19.5%
FY 2016: 19.6%FY 2017: 19.3%FY 2018: 24.2%FY 2019: 23.9%FY 2020: 21.2%FY 2021: 31.3%FY 2022: 28.3%FY 2023: 17.9%FY 2024: 17.9%FY 2025: 19.5%
FY 2016 5y median 19.5% FY 2025
ROE 8.9%
FY 2016: 8.6%FY 2017: 8.6%FY 2018: 11.1%FY 2019: 10.8%FY 2020: 8.8%FY 2021: 12.4%FY 2022: 13.0%FY 2023: 8.3%FY 2024: 9.2%FY 2025: 8.9%
FY 2016 5y median 9.2% FY 2025
ROIC 1.1%
FY 2016: 4.1%FY 2017: 4.2%FY 2018: 5.1%FY 2019: 5.7%FY 2020: 5.6%FY 2021: 8.7%FY 2022: 6.8%FY 2023: 5.1%FY 2024: 6.3%FY 2025: 1.1%
FY 2016 5y median 6.3% FY 2025
ROA 1.1%
FY 2016: 0.9%FY 2017: 0.9%FY 2018: 1.2%FY 2019: 1.2%FY 2020: 1.0%FY 2021: 1.3%FY 2022: 1.3%FY 2023: 0.9%FY 2024: 1.0%FY 2025: 1.1%
FY 2016 5y median 1.1% FY 2025

Growth (YoY)

Revenue 10.4%
FY 2016: 3.7%FY 2017: 6.5%FY 2018: 9.3%FY 2019: 9.2%FY 2020: -3.2%FY 2021: 0.7%FY 2022: 8.5%FY 2023: 23.3%FY 2024: 18.7%FY 2025: 10.4%
FY 2016 FY 2025
Operating Income 22.3%
FY 2016: 1.9%FY 2017: 7.9%FY 2018: 6.9%FY 2019: 13.5%FY 2020: -14.4%FY 2021: 50.2%FY 2022: -1.9%FY 2023: -21.8%FY 2024: 16.9%FY 2025: 22.3%
FY 2016 FY 2025
EPS (diluted) 12.5%
FY 2016: 4.7%FY 2017: 3.9%FY 2018: 36.9%FY 2019: 7.0%FY 2020: -13.5%FY 2021: 49.4%FY 2022: -0.6%FY 2023: -24.7%FY 2024: 11.7%FY 2025: 12.5%
FY 2016 FY 2025
Free Cash Flow 23.8%
FY 2016: -8.7%FY 2017: 22.6%FY 2018: 7.8%FY 2019: 4.6%FY 2020: -6.6%FY 2021: 10.5%FY 2022: 16.4%FY 2023: -15.9%FY 2024: 19.3%FY 2025: 23.8%
FY 2016 FY 2025

Financial Health

Current Ratio 1.6×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.0×FY 2025: 1.6×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 1.6×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.0×FY 2025: 1.6×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.2×
FY 2016: 1.0×FY 2017: 0.9×FY 2018: 1.0×FY 2019: 0.7×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 0.7×FY 2023: 0.4×FY 2024: 0.3×FY 2025: 0.2×
FY 2016 5y median 0.3× FY 2025
Net Debt / EBITDA 0.6×
FY 2016: 5.6×FY 2017: 5.3×FY 2018: 5.8×FY 2019: 3.4×FY 2020: -1.7×FY 2021: -4.4×FY 2022: 2.7×FY 2023: 2.5×FY 2024: 0.6×FY 2025: 0.6×
FY 2016 5y median 0.6× FY 2025
Interest Coverage 1.0×
FY 2016: 5.3×FY 2017: 4.9×FY 2018: 3.5×FY 2019: 2.8×FY 2020: 4.1×FY 2021: 10.6×FY 2022: 9.0×FY 2023: 1.1×FY 2024: 0.8×FY 2025: 1.0×
FY 2016 5y median 1.1× FY 2025

Dividends

Dividend Yield 3.7%
FY 2016: 2.1%FY 2017: 2.5%FY 2018: 2.9%FY 2019: 2.6%FY 2020: 3.4%FY 2021: 2.9%FY 2022: 2.7%FY 2023: 3.0%FY 2024: 2.8%FY 2025: 3.7%
FY 2016 5y median 2.9% FY 2025
Payout Ratio 42.9%
FY 2016: 49.6%FY 2017: 48.8%FY 2018: 38.4%FY 2019: 38.0%FY 2020: 45.2%FY 2021: 30.8%FY 2022: 32.7%FY 2023: 47.0%FY 2024: 44.3%FY 2025: 42.9%
FY 2016 5y median 42.9% FY 2025

Annual · latest fiscal year ends 2025-12-31