# NBT Bancorp Inc. (NBTB) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $52.27, market value $2.7 billion.

## Valuation
- **P/E (trailing): 12.7×** (5-yr avg 12.5×, 3-yr avg 14.0×). NBT Bancorp Inc. trades at 12.7× trailing earnings, close to its own five-year average of 12.5×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 11.5×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.95**. A PEG of 0.95 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 14.8×**. Each dollar of revenue is priced at 14.8×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 1.4×**. The shares trade at 1.4× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 9.0%** (5-yr avg 9.6%). Free cash flow equals 9.0% of the market value, in line with its five-year average of 9.6%. Above 5% is generally attractive.
- **Earnings yield: 7.9%**. The inverse of the P/E: 7.9% of the price is earned each year.

## Profitability
- **Net margin: 92.5%**. 92.5% of each dollar of sales reaches the bottom line.
- **Return on equity: 8.9%**. 8.9% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 1.1%**. Each dollar of assets produces 1.1% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 10.4%** (3-yr 6.7%/yr, 5-yr 5.4%/yr). Revenue grew 10.4% over the last year, against 5.4% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 12.1%** (3-yr -1.8%/yr, 5-yr 7.0%/yr). Earnings per share rose 12.1%, roughly in step with revenue.
- **Free-cash-flow growth (3 yr): 7.5%/yr**. Free cash flow has compounded at 7.5% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 3.06%** ($1.48 per share, trailing). NBT Bancorp Inc. yields 3.06%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 43%** (31% of free cash flow). 43% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 26**. 26 straight years of increases (the data covers 26 years, so this may be longer): a record very few companies hold.
- **Dividend growth (5 yr): 5.6%/yr** (1-yr 7.6%). The dividend has grown 5.6% a year over five years.

## Price and momentum
- **Total return (1 yr): 20.3%** (YTD 28.0%, 3-mo 12.6%). The shares are up 20.3% over twelve months including dividends.
- **From 52-week high: -4.1%** (33.3% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 54**. An RSI of 54 is neutral.
- **Beta (1 yr): 0.54** (volatility 24%). Beta of 0.54 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=NBTB · Page: https://foliofundamentals.com/stocks/nbtb

Not investment advice.