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NBTB

NBT Bancorp Inc.

Financial Services · $2.6B market cap

Verdict

Share price

$51.53

close of Oct 3, 2026

Fair value

$75.07

Sticker Price

Payback Price

$30.03

buy price

Undervalued

NBTB is Undervalued: at $51.53 it trades 31% below its fair value of $75.07. Its buy price (Payback Price) is $30.03, 42% below today's price. Business quality is limited: none of the 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

0 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth6.7% a year✗
Equity per share growth5.8% a year✗
Sales growth4.5% a year✗
Free cash flow growth6.2% a year✗
Return on invested capital4.1%✗

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Insider activity

Since Jul 29, 2026: no open-market purchases and 2 sales worth $731K. Why purchases matter

Sales

Halliday Sarah A

EVP/Chief Comm Innovation Off · 2026-07-29

Sold

$486K

Mahoney Ruth H

EVP/President of Wealth Mgmt · 2026-07-29

Sold

$244K

About NBT Bancorp Inc.

NBT Bancorp Inc., a financial holding company, provides personal and commercial banking, retail banking, and wealth management services in the United States. It operates through Banking, Retirement Plan Administration, and All Other segments. The company offers demand deposit, savings, interest-bearing checking, money market deposit, and certificate of deposit accounts; and indirect and direct consumer loans, home…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works