NBTB
Financial ServicesNBT Bancorp Inc. · Banks - Regional · $2B
What is NBT Bancorp Inc.?
NBT Bancorp is a regional financial holding company serving communities across the northeastern United States. Founded in 1856 and headquartered in Norwich, New York, it operates a broad network of branches spanning seven states.
NBT Bancorp generates revenue through commercial banking, retail banking, and wealth management services. Its loan portfolio spans commercial real estate, consumer lending, residential mortgages, and agricultural loans. The company also earns fee income from trust and investment services, insurance products, and retirement plan consulting — giving it multiple income streams beyond traditional interest income.
NBT Bancorp has roots dating to 1856 and maintains its headquarters in Norwich, New York.
- Commercial and retail banking
- Wealth management and trust services
- Insurance products and financial planning
- Retirement plan consulting and recordkeeping
Is NBTB a Good Stock to Buy?
UQS Score rates NBTB as Good overall, reflecting a balanced profile across its five evaluation pillars.
The Quality pillar registers as Good, suggesting the bank maintains sound fundamentals relative to regional peers. Valuation comes in as Attractive, meaning the stock does not appear richly priced compared to its underlying business profile.
The Moat pillar scores as Weak, indicating limited structural competitive advantages — a common challenge for community and regional banks operating in competitive local markets.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does NBTB pay dividends?
Yes — NBT Bancorp Inc. pays a dividend.
NBT Bancorp pays a regular dividend, consistent with its long-standing community banking identity. Regional banks with stable deposit bases often return capital to shareholders through dividends rather than aggressive reinvestment. Income-oriented investors may find NBTB's dividend cadence appealing, though the sustainability of any dividend depends on ongoing earnings performance.
When does NBTB report earnings?
NBT Bancorp reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
Regional banks like NBT Bancorp face a revenue environment shaped by interest rate movements, loan demand trends, and credit quality. The Growth and Risk pillars both register as Neutral, suggesting neither a breakout performance trajectory nor significant near-term stress signals.
For the most recent quarter's results, visit NBT Bancorp's investor relations page directly.
NBTB Price History
+34.5% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in NBT Bancorp Inc.?
Based on NBT Bancorp Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
NBTB Long-term Outlook
NBT Bancorp's Neutral Growth pillar points to a steady rather than accelerating earnings trajectory. The Attractive Valuation pillar suggests the market has not priced in aggressive expansion expectations. A Neutral Risk profile indicates the bank is navigating its operating environment without outsized credit or liquidity concerns, though regional banking remains sensitive to rate cycles and local economic conditions.
Growth drivers
- Expansion of wealth management and fee-based services
- Loan portfolio diversification across commercial and consumer segments
- Digital banking channel adoption reducing operating costs
Key risks
- Interest rate sensitivity compressing net interest margins
- Competitive pressure from larger banks and fintech entrants
- Weak Moat pillar limiting pricing power in core markets
NBTB vs Peers
NBT Bancorp competes with other regional and community bank holding companies across the northeastern and midwestern US.
Nicolet Bankshares focuses on growth through acquisitions in the upper Midwest, pursuing a more aggressive expansion strategy than NBT's organically rooted northeastern franchise.
First Busey operates primarily in the Illinois and Midwest markets, with a comparable community banking model but a different geographic footprint and deposit mix.
Hilltop Holdings combines banking with mortgage origination and financial advisory businesses, giving it a more diversified revenue structure than a traditional community bank.
Frequently Asked Questions
What does NBT Bancorp do?
NBT Bancorp is a financial holding company offering commercial banking, retail banking, and wealth management services. It operates across seven northeastern states through a network of branches and ATMs, serving individuals, businesses, and agricultural customers with loans, deposits, insurance, and retirement planning services.
Does NBTB pay dividends?
Yes, NBT Bancorp pays a regular dividend. The company has a long history as a community-oriented bank, and returning capital to shareholders through dividends is consistent with that profile. Investors should review current payout details on the company's investor relations page.
When does NBTB report earnings?
NBT Bancorp follows a standard quarterly earnings reporting schedule. For the most current earnings release dates and results, check the company's investor relations page or a financial data provider.
Is NBTB a good stock to buy?
UQS Score rates NBTB as Good overall. The Attractive Valuation and Good Quality pillars are positives, while the Weak Moat pillar is a notable consideration. Whether it fits your portfolio depends on your investment goals — the full pillar breakdown is available to UQS Pro members.
Is NBTB overvalued?
The UQS Valuation pillar for NBTB is rated Attractive, suggesting the stock is not trading at a premium relative to its fundamental profile. Regional bank valuations can shift with interest rate cycles, so ongoing monitoring matters.
How does NBTB compare to its competitors?
NBT Bancorp competes with regional peers like Nicolet Bankshares, First Busey Corporation, and Hilltop Holdings. Each operates in different geographies with varying business mixes. UQS Score provides side-by-side pillar comparisons for Pro members looking to evaluate these banks against one another.
What is NBTB's market cap bracket?
NBT Bancorp is classified as a mid-cap company. This places it above smaller community banks in scale while remaining well below the largest regional and national banking institutions.
Who founded NBT Bancorp?
NBT Bancorp's banking roots trace back to 1856, making it one of the longer-standing financial institutions in the northeastern United States. Detailed founding history is available through the company's official website and public filings.
Is NBTB a long-term quality indicator?
The UQS Score framework evaluates long-term quality across five pillars. NBTB's Good overall rating, supported by a Good Quality pillar and Attractive Valuation, suggests a fundamentally grounded institution — though the Weak Moat pillar is worth weighing for long-term competitive durability.
What is the main competitive advantage of NBT Bancorp?
NBT Bancorp's primary strengths lie in its diversified revenue streams — combining traditional lending with wealth management, insurance, and retirement services. Its deep community presence across seven northeastern states provides a stable deposit base, though the UQS Moat pillar rates this advantage as Weak relative to broader sector peers.
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Pro Analysis
NBTB — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 22, 2026 | 54.3 | 72.9 | 24.0 | 43.2 | 48.1 | 94.4 | 0.0 |
| May 7, 2026 | 54.3 | 70.8 | 24.0 | 43.2 | 52.5 | 93.8 | 0.0 |
| May 3, 2026 | 54.3 | 70.8 | 24.0 | 43.2 | 52.5 | 93.6 | 0.0 |
| May 2, 2026 | 54.3 | 70.8 | 24.0 | 43.2 | 52.5 | 93.7 | 0.0 |
| Apr 26, 2026 | 54.3 | 70.8 | 24.0 | 43.4 | 52.5 | 93.7 | 0.0 |
| Apr 19, 2026 | 54.3 | 70.8 | 24.0 | 43.4 | 52.5 | 93.4 | 0.0 |
| Apr 18, 2026 | 54.3 | 70.8 | 24.0 | 43.4 | 52.5 | 93.7 | -0.9 |
| Apr 12, 2026 | 55.2 | 70.8 | 24.0 | 43.4 | 52.5 | 99.5 | 0.0 |
| Apr 9, 2026 | 55.2 | 70.8 | 24.0 | 43.4 | 52.5 | 99.9 | 0.0 |
| Apr 2, 2026 | 55.2 | 70.8 | 24.0 | 43.3 | 52.5 | 99.9 | — |
NBTB — Pillar Breakdown
Quality
— 72.9/100 (25%)NBT Bancorp Inc. shows solid profitability with healthy returns on capital and reasonable margins.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 43.2/100 (20%)NBT Bancorp Inc. shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 48.1/100 (15%)NBT Bancorp Inc. has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 94.4/100 (15%)NBT Bancorp Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 24/100 (25%)NBT Bancorp Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for NBTB.
Score Composition
Financial Data
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How is the NBTB UQS Score Calculated?
The UQS (Unified Quality Score) for NBT Bancorp Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses NBT Bancorp Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether NBT Bancorp Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.