NBT Bancorp Inc. - Common Stock (NBTB)
Financial Services › National Commercial Banks
Price History
Feb 9, 2026 — Apr 1, 2026Investment Snapshot
- Trading 13% below Graham Number — thin margin of safety
- Piotroski F-Score 3/9 — signs of financial weakness
- ROE of 8.0% — below-average profitability
- Revenue growing at 10% annually
NBT Bancorp Inc. - Common Stock (NBTB) is a Financial Services company operating in National Commercial Banks, listed on the NASDAQ , with a market capitalisation of $2.2 billion . Key value metrics: P/E ratio 14.6, P/B ratio 1.17, Piotroski F-Score 3 out of 9 .
Value Score
Key Metrics
Current vs 5-Year Average
Based on 5 years of SEC filingsRevenue & Net Income
Financial Statements
| Metric | FY22 | FY23 | FY24 |
|---|---|---|---|
| Revenue | $X.XB | $X.XB | $X.XB |
| Gross Profit | $X.XB | $X.XB | $X.XB |
| Operating Income | $X.XB | $X.XB | $X.XB |
| Net Income | $X.XB | $X.XB | $X.XB |
| EBITDA | $X.XB | $X.XB | $X.XB |
| Total Assets | $X.XB | $X.XB | $X.XB |
| Total Liabilities | $X.XB | $X.XB | $X.XB |
NBT Bancorp Inc. - Common Stock — Fundamental Analysis Summary
NBT Bancorp Inc. - Common Stock (NBTB) is trading 13% below its Graham Number of $48.75, offering a thin margin of safety. The stock carries a reasonable trailing P/E ratio of 14.6x.
On financial health, NBTB shows a weak Piotroski F-Score of 3/9, a signal of deteriorating financial health, and modest return on equity of 8.0% (sector average: 5.8%), and minimal leverage with a debt-to-equity ratio of 0.08.
StockPik's composite Value Score for NBTB is 71/100 — placing it in undervalued territory. The score is built from ten fundamental signals: P/E, P/B, PEG ratio, P/S ratio, return on equity, gross margin, debt-to-equity, current ratio, dividend yield, and Piotroski F-Score.
NBTB shows revenue growing at 10% year-over-year, with earnings growing at 20%.
NBTB pays a solid dividend yield of 3.3%.