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NBTBNBTBFinancial Services · Banks - Regional

NBTB Stock Forecast: NBT Bancorp, Inc. Price Predictions for 2026-2027

Last close, 9 Sept 2026
$51
−0.53% on the day

The 7 Wall Street analysts covering NBT Bancorp, Inc. hold a median 12-month price target of $56 — +9.5% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 67 of 100 as at 8 Sept 2026 — in the upper half.

Market cap
$2.7B
Ticker Nerd rank
67 / 100
Median analyst target
$56
Analysts covering
7
Revenue$186.1M+9.1% y/y
Net income$53.0M
Free cash flow$60.5M
Quarterly, 8 quarters to 30 June 2026 · latest quarter's figure shown
Total return, dividends reinvested
1W
+1.7%
1M
−2.2%
YTD
+26.2%
1Y
+22.5%
From 52W high
−5.0%
From 52W low
+34.6%
$38
$54
52-week range, adjusted closes · the dot is the last close
Ticker Nerd rank

NBTB stock analysis: one number for the whole business

Consensus tells you what everyone already believes. The model scores NBT Bancorp, Inc. on its factor families — the same systematic rank behind the Ticker Nerd portfolio.

Where the model ranks itAs at 8 Sept 2026
67 / 100

Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested

Growth
92
Quality
75
Momentum
74
Revisions
62
Volatility
53
Issuance
50
Accruals
47
Value
34
Size
32

Growth (92): Sales and profits are climbing, and climbing faster than before.

Value (34): The shares cost a lot relative to the profits and assets behind them.

Size (32): Larger than most of the companies we track — more scrutinised, less often mispriced.

Built and run by Aslam Ghouse, an ex-Goldman Sachs quant trader with fourteen years in markets.

Wall Street

NBTB stock forecast 2026-2027: analyst price targets & predictions

The bullish and bearish analyst opinions on NBTB, reported as data — targets and ratings, the market's view beside the model's.

Share price and the analyst range, 12 monthsAdjusted close, US dollars
$40$45$50$55$60Oct 25Jan 26Apr 26Jul 26NBTBHigh $62Median $56Low $54

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Data provided by Twelve Data

What Wall Street says7 analysts
2 Buy5 Hold0 Sell
Low $54Median $56High $62

The green dot is the last close — the median target sits +9.5% from it.

Recent analyst actionsNewest first

Of the 20 most recent actions, 4 moved their price target up and 0 moved it down.

DateFirmActionRatingTarget
3 Aug 2026Keefe, Bruyette & WoodsReiteratesMarket Perform$52 → $54
30 July 2026Stephens & Co.DowngradeEqual-Weight$52 → $55
29 July 2026DA DavidsonMaintainsBuy$52 → $59
26 June 2026Piper SandlerMaintainsOverweight—
26 June 2026Piper SandlerMaintainsOverweight$50 → $56
27 Apr 2026DA DavidsonMaintainsBuy—
25 Feb 2026DA DavidsonInitiatesBuy—
31 July 2025DA DavidsonMaintainsBuy—
8 July 2025Piper SandlerAssumesNeutral$47
28 Apr 2025DA DavidsonMaintainsBuy—
12 Dec 2024DA DavidsonInitiatesNeutral—
4 Dec 2024Keefe, Bruyette & WoodsMaintainsMarket Perform—
10 Sept 2024Stephens & Co.ReiteratesEqual-Weight—
23 July 2024Stephens & Co.ReiteratesOverweight—
24 Apr 2024Keefe, Bruyette & WoodsMaintainsMarket Perform—
23 Apr 2024Stephens & Co.ReiteratesOverweight—
21 Mar 2024Janney Montgomery ScottUpgradeBuy—
14 Feb 2024Stephens & Co.UpgradeOverweight—
25 Jan 2024Keefe, Bruyette & WoodsMaintainsMarket Perform—
25 Jan 2024Piper SandlerMaintainsOverweight—

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Market Radar

This page is one stock. Monday covers all of them.

Computed off the Friday close and sent before the US open.

Market Radar reports the week’s largest rank changes across roughly 4,600 US stocks, the factor behind each one, and where the market went. NBTB appears on the weeks it earns a place.

Free, every Monday. Unsubscribe any time.

Performance

NBTB vs the S&P 500

Both lines are total return — dividends reinvested — so the comparison is honest on both sides.

Over the twelve months to 9 Sept 2026, NBT Bancorp, Inc. returned +22.5% against +18.5% for the S&P 500, dividends included.

NBTB vs S&P 500, last 12 monthsTotal return, rebased to 100
90100110120130Oct 25Jan 26Apr 26Jul 26NBTBS&P 500

Download this chart as an image — free to reuse; link this page as the source.

Data provided by Twelve Data

Estimates

NBTB analyst estimate revisions

Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.

Which way the estimates are movingNext fiscal year
EPS revision, 90 days
0.0%
Analysts raising
4
Analysts cutting
1
Fundamentals

NBT Bancorp, Inc. (NBTB) financial data

A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.

Valuation
Trailing P/E
12.4×

Cheaper than 52% of US stocks

Price / sales
3.7×

Cheaper than 34% of US stocks

Price / book
1.4×

Cheaper than 60% of US stocks

EV / EBITDA
—
Growth & margins
Revenue growth (YoY)
17.8%

Higher than 67% of US stocks

Earnings growth (YoY)
135.6%

Higher than 87% of US stocks

Gross margin
—
Operating margin
41.4%

Higher than 93% of US stocks

Net margin
29.6%

Higher than 89% of US stocks

Returns & dividend
Return on equity
11.4%

Higher than 67% of US stocks

Return on assets
1.3%

Higher than 53% of US stocks

Dividend yield
3.1%

Higher than 66% of US dividend payers

Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.

Key statistics

NBT Bancorp, Inc. (NBTB) statistics: revenue, profit & scale

The headline figures, each with its date. Every row carries its own link — cite it straight from here.

  • NBT Bancorp, Inc. has a market value of $2.7B and an enterprise value of $2.8B.

  • Revenue in the twelve months to 30 June 2026: $739.7M. The latest quarter grew 17.8% year on year.

  • Net income over the same four quarters: $214.2M, a 28.9% net margin.

  • Diluted earnings per share, trailing twelve months: $4.09.

  • Free cash flow in the twelve months to 30 June 2026: $245.6M.

  • NBT Bancorp, Inc. spent $24.2M on share buybacks and $77.2M on dividends in the twelve months to 30 June 2026.

  • Shares outstanding: 52.0M.

  • Trailing P/E: 12.4×; forward P/E: 11.3× — the forward figure prices analyst consensus estimates, not reported earnings.

  • Forward dividend yield: 3.13%, paying out 36% of earnings.

  • NBT Bancorp, Inc. employs 2,303 people — $321K of revenue per employee.

Statement figures: company filings via Twelve Data, four quarters to 30 June 2026 · market figures as at 10 Sept 2026

Data provided by Twelve Data

Peers

NBTB vs competitors

The nearest names by industry and size, scored by the same model — like for like.

Its peer group, ranked by the same modelBanks - Regional
CompanyMarket capTKN rank
NBTBNBT Bancorp, Inc.$2.7B
67
FBNCFirst Bancorp (North Carolina)$2.7B
44
CUBICustomers Bancorp, Inc.$2.7B
58
BBTBeacon Financial Corp.$2.6B
23
TBBKThe Bancorp, Inc. (Delaware)$2.7B
49
WAFDWaFd, Inc.$2.6B
60
BUSEFirst Busey Corp.$2.6B
90

Look up any of the roughly 4,600 stocks we score.

The rank is the raw material. Whether the rules would actually own NBT Bancorp, Inc. — and when they’d sell — is the membership. See the Ticker Nerd 20 →

News

Latest NBTB news & analysis

NBT Bancorp Appears A Bit Pricey At The Moment

Seeking Alpha · 13 Aug 2026negative

Seeking Alpha rated NBT Bancorp (NBTB) as Hold, citing that recent share-price appreciation has removed upside potential and that there is no compelling valuation or catalyst. The article notes a 1.91x price-to-tangible-book ratio above sector and historical acquisition premiums, a forward P/E of 12.57, sub-10% expected earnings growth, and elevated loan-portfolio risk from 12% auto-loan and 41% commercial real estate exposure.

Why it matters — For NBTB watchers, this highlights valuation and loan-mix concerns that could weigh on the stock given recent price appreciation and limited expected catalysts.

NBT Bancorp Q2 Earnings Call Highlights

MarketBeat · 28 July 2026positive

NBT Bancorp reported second-quarter net income of $53 million, or $1.02 per diluted common share, with record net interest income, loan growth and fee-based revenue contributing to the improved results.

Why it matters — NBTB watchers would note the company achieved record net interest income and growth in both loans and fee-based revenue during the quarter.

Here's What Key Metrics Tell Us About NBT (NBTB) Q2 Earnings

Zacks Investment Research · 28 July 2026neutral

Zacks Investment Research analyzed NBT Bancorp's Q2 2026 earnings, comparing key metrics against Wall Street estimates and year-ago numbers.

Why it matters — This analysis helps NBTB watchers understand how the company's core business metrics stack up against analyst expectations and prior performance.

NBT Bancorp (NBTB) Lags Q2 Earnings and Revenue Estimates

Zacks Investment Research · 27 July 2026negative

NBT Bancorp (NBTB) reported quarterly earnings of $1.01 per share, falling short of the Zacks Consensus Estimate of $1.02 per share. This compares to earnings of $0.88 per share a year ago.

Why it matters — The earnings miss relative to analyst expectations could signal headwinds or unexpected costs that NBTB watchers may want to monitor.

FAQ

Frequently asked questions about NBTB stock

What is the NBTB stock price forecast for 2026-2027?

The 7 Wall Street analysts covering NBT Bancorp, Inc. have a median 12-month price target of $56, with estimates ranging from $54 to $62. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.

Is NBTB stock a buy right now?

Of the 7 analysts covering NBT Bancorp, Inc., 2 rate it a Buy, 5 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks NBT Bancorp, Inc. 67 out of 100 across roughly 4,600 US stocks as at 8 Sept 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank NBTB?

As at 8 Sept 2026, NBT Bancorp, Inc. ranks 67 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Growth (92 of 100).

Will NBTB stock go up?

No one can know that. What the data says: the median 12-month target from 7 analysts implies +9.5% from the last close, and Ticker Nerd's factor model ranks NBT Bancorp, Inc. 67 out of 100 as at 8 Sept 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.

What is the NBTB stock forecast for 2030?

No analyst covering NBT Bancorp, Inc. publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for NBTB are extrapolating price history, which says nothing about the business. The furthest attributed numbers are the current analyst targets: $54 to $62 over the next 12 months.

How has NBTB stock performed over the past year?

NBT Bancorp, Inc. returned +22.5% over the 12 months to 9 Sept 2026, with dividends reinvested. Past performance does not indicate future returns.

What does NBT Bancorp, Inc. do?

NBT Bancorp Inc. is a financial holding company that provides a broad range of banking and financial services through its principal subsidiary, NBT Bank, N.A.

What is the latest news on NBTB?

The most recent item we track (Seeking Alpha, 13 Aug 2026): "NBT Bancorp Appears A Bit Pricey At The Moment". Seeking Alpha rated NBT Bancorp (NBTB) as Hold, citing that recent share-price appreciation has removed upside potential and that there is no compelling valuation or catalyst. The article notes a 1.91x price-to-tangible-book ratio above sector and historical acquisition premiums, a forward P/E of 12.57, sub-10% expected earnings growth, and elevated loan-portfolio risk from 12% auto-loan and 41% commercial real estate exposure.

Company

About NBT Bancorp, Inc.

NBT Bancorp Inc. is a financial holding company that provides a broad range of banking and financial services through its principal subsidiary, NBT Bank, N.A. The company focuses on personal banking, commercial banking, retail banking, and wealth management, serving individuals, businesses, and institutions with deposit products, lending solutions, treasury management, and advisory services. It also operates specialty businesses that expand its footprint in retirement plan administration, trust and investment services, and insurance brokerage. Headquartered in Norwich, New York, NBT Bancorp Inc. is a regional financial institution with a community-oriented model that supports customers across the Northeastern United States through branch banking and digital channels.

CEO Mr. Scott A. Kingsley CPA · 2,303 employees · United States · https://www.nbtbancorp.com