NBT Bancorp. Inc
Research NBT Bancorp. Inc (NBTB) on Bullrun: valuation model: 4.0% overvalued, market cap USD 2.67B, P/E 12.6, dividend yield 2.2%. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerNBTB
- ExchangeNASDAQ
- CountryUnited States
- SectorFinancial Services
- IndustryBanks-Regional
- CurrencyUSD
- Valuation signal4.0% overvalued
- Market capUSD 2.67B
- P/E12.6
- Dividend yield2.2%
- Financial periodQ2 2026
- RevenueUSD 186.15M
- Net incomeUSD 53.03M
- Free cash flowUSD 60.53M
Valuation Snapshot
Bullrun's latest valuation model marks NBT Bancorp. Inc as 4.0% overvalued; latest market cap is USD 2.67B; P/E is 12.6; dividend yield is 2.2%.
Peer valuation comparison
Latest P/E is 12.57x versus a Financial Services sector median of 13.84x (9.2% below).
Latest dividend yield is 2.16% versus a Financial Services sector median of 3.86% (44.0% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 182.95M | USD 169.24M | USD 218.92M | n/a | 3.33 | USD 487.12M | USD 148.07M | USD 1.90B |
| FY2024 | USD 165.71M | USD 140.64M | USD 176.83M | n/a | 2.97 | USD 284.06M | USD 162.94M | USD 1.53B |
| FY2023 | USD 144.74M | USD 118.78M | USD 148.20M | n/a | 2.65 | USD 205.19M | USD 386.65M | USD 1.43B |
| FY2022 | USD 150.67M | USD 152.00M | USD 176.21M | n/a | 3.52 | USD 197.35M | USD 585.01M | USD 1.17B |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-08-25 | USD 2.67B | 12.6 | 2.9% | 1.48 |
| 2025 | 2025-12-31 | USD 2.17B | 12.5 | 3.4% | 1.42 |
| 2024 | 2024-12-31 | USD 2.25B | 16.1 | 2.8% | 1.32 |
| 2023 | 2023-12-29 | USD 1.97B | 14.7 | 3.0% | 1.24 |
| 2022 | 2022-12-30 | USD 1.86B | 12.3 | 2.7% | 1.16 |
| 2021 | 2021-12-31 | USD 1.66B | 10.9 | 2.9% | 1.1 |
Dividend history
Latest trailing dividend snapshot: annual dividend/share 1.48 USD, yield 2.2%.
| Year | Dividends/share |
|---|---|
| FY2025 | 1.42 USD |
| FY2024 | 1.32 USD |
| FY2023 | 1.24 USD |
| FY2022 | 1.16 USD |
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;
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Frequently asked questions
Is NBT Bancorp. Inc overvalued or undervalued?
Bullrun's valuation model currently marks NBT Bancorp. Inc as 4.0% overvalued.
What is NBT Bancorp. Inc's market cap?
NBT Bancorp. Inc's market capitalization is USD 2.67B.
What is NBT Bancorp. Inc's P/E ratio?
NBT Bancorp. Inc's price-to-earnings (P/E) ratio is 12.6.
Does NBT Bancorp. Inc pay a dividend?
NBT Bancorp. Inc has a dividend yield of 2.2%.
What does NBT Bancorp. Inc do?
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.