Openbookopenbook
Equity
NBT Bancorp Inc(NBTB)
USD --+0.00%
Reward61Moderate
Risk29Low
📊75%Data
Strong 25% profit margin · 3.2% dividend yield · Revenue growing 24% YoY
NBTB
+0.0 · +0.00%
USD · NASDAQ
NBT Bancorp Inc | Financial Services
Defensive Anchor
Market Cap:2.37Bn
ℹ️
Reward Rating
61
Moderate
Top 50% (model universe)
75% data coverage
ℹ️
Risk Rating
29
Low
Risk Assessment
ℹ️

Educational tool only – Scores are based on historical data and financial metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.

ℹ️ Educational tool only · More
Limited data coverage
We don't have enough public data on NBTB to score it reliably yet — Reward, Risk, Forecasts and Dividends tabs aren't available for this stock. The price chart and basic profile are still shown.
OTC / ADR stock — scores and fundamentals use data tagged in USD by our provider. The issuer may report in a different home currency (e.g. JPY), so treat figures as directional rather than precise.
Not available for limited-coverage stocks
The overview tab requires fundamentals and price history we don't have for this stock. The price chart is the most reliable view we have — try the Chart tab.

Market Performance

Stock returned +10.0% over the past year, broadly in line with market conditions.

Analyst Target

Analyst consensus price target: $49.17.

What is NBT Bancorp Inc?

, a financial holding company, provides commercial banking, retail banking, and wealth management services.

NBTB · Verdict

Solid reward · low risk

NBTB scores well on profitability and volatility with no major weaknesses flagged in the model.

Based on 88% data coverage

NBTB · Verdict

What’s working & what to watch

Strengths 4

  • Profitability80/100

    20% net margin · 10% ROE

  • Volatility80/100

    Top decile vs peers

  • Balance sheet72/100

    Net debt/EBITDA 0.6×

  • Cash flow65/100

    20% free-cash-flow margin

No major weaknesses flagged.

Model-based scoring. For information only — not financial advice.

What is NBT Bancorp Inc?

, a financial holding company, provides commercial banking, retail banking, and wealth management services. Its deposit products include demand deposit, savings, negotiable order of withdrawal, money market deposit, and certificate of deposit accounts. The company is listed on the NASDAQ in USA, operating in the Financial Services sector, with a market capitalisation of 2.37B, and a P/E ratio of 13.6x.

Financial Highlights

Investment Breakdown

📈 Growth
Revenue and earnings growing steadily, indicating improving operating performance.
💰 Profitability
Strong margins and consistent earnings support financial stability.
⚠️ Risk
Below-average volatility supports a steadier risk profile.
💸 Valuation
Valuation appears fair relative to current fundamentals.

OpenBook Logo Analysis

Reward: Moderate (61)

The scoring profile indicates moderate reward potential, with profitability and valuation as the leading contributors. Risk indicators are low, suggesting a relatively contained downside profile.

For informational purposes only. Not financial advice.

Company Information
SectorFinancial Services
Market Cap2.37B
P/E Ratio13.5766
Dividend Yield3.23%
52 Week High46.92
52 Week Low36.3735
Last AnnualDecember
IPO Date3/17/1992
IncorporatedUSA
Shares Outstanding52M
No. of Employees2,083
IndustryBanks - Regional
ExchangeNASDAQ
Beta0.499
CurrencyUSD
Websitewww.nbtbancorp.com
openbook

Stock research for everyday UK investors. Make smarter decisions, faster.

Questions? Email us at contact@openbookanalytics.com

© 2026 Openbook Analytics Ltd · Company No. SC843579 · Registered in Scotland

256-bit encryption GDPR compliant UK data centres

Openbook Analytics Ltd (Company No. SC843579) is registered in Scotland. Registered office: Strathclyde Inspire Hub, University of Strathclyde, Graham Hills Building (Level 6), 50 Richmond Street, Glasgow, G1 1XP. Openbook Analytics is not authorised or regulated by the Financial Conduct Authority (FCA). The content on this platform is provided for general informational and educational purposes only and does not constitute financial advice, investment advice, trading advice, or any other form of advice. You should not treat any content on this platform as a recommendation to buy, sell, or hold any financial instrument. Past performance is not a reliable indicator of future results. The value of investments and the income from them can go down as well as up, and you may get back less than you invest. User-generated content, including community posts and commentary, reflects the personal opinions of individual users, is not verified for accuracy, and does not represent the views of Openbook Analytics Ltd. You should always conduct your own research or consult a qualified, FCA-regulated financial adviser before making investment decisions. Data displayed on this platform may be delayed or inaccurate and is provided "as is" without warranty. Openbook Analytics Ltd accepts no liability for any loss arising from reliance on the information provided.