NBT Bancorp Inc (NBTB) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
NBT Bancorp Inc stock (NBTB) is currently trading at $42.47. NBT Bancorp Inc PE ratio is 12.23. NBT Bancorp Inc PS ratio (Price-to-Sales) is 3.20. Analyst consensus price target for NBTB is $49.17. WallStSmart rates NBTB as Moderate Buy.
- NBTB PE ratio analysis and historical PE chart
- NBTB PS ratio (Price-to-Sales) history and trend
- NBTB intrinsic value — DCF, Graham Number, EPV models
- NBTB stock price prediction 2025 2026 2027 2028 2029 2030
- NBTB fair value vs current price
- NBTB insider transactions and insider buying
- Is NBTB undervalued or overvalued?
- NBT Bancorp Inc financial analysis — revenue, earnings, cash flow
- NBTB Piotroski F-Score and Altman Z-Score
- NBTB analyst price target and Smart Rating
NBT Bancorp Inc
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NBTB Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · NBT Bancorp Inc (NBTB)
NBTB trades at a significant discount to its Graham intrinsic value of $155.84, offering a 71% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
NBT Bancorp Inc (NBTB) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Concerns around return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
NBT Bancorp Inc (NBTB) Key Strengths (7)
Keeps $42 of every $100 in revenue after operating costs
Earnings per share surging 39.50% year-over-year
Keeps $26 of every $100 in revenue as net profit
Trading at 1.12x book value, attractively priced
Strong revenue growth at 24.00% annually
65.23% held by institutions, strong professional interest
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
NBT Bancorp Inc (NBTB) Areas to Watch (3)
Low profitability relative to shareholder equity
Paying a premium for growth, expensive relative to earnings expansion
Revenue is fairly priced at 3.20x sales
NBT Bancorp Inc (NBTB) Detailed Analysis Report
Overall Assessment
This company scores 74/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 7 register as strengths (avg 8.7/10) while 3 fall into concern territory (avg 4.3/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, EPS Growth, Profit Margin. Valuation metrics including Price/Book (1.12) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 41.90%, Profit Margin at 25.50%. Growth metrics are encouraging with Revenue Growth at 24.00%, EPS Growth at 39.50%.
The Bear Case
The primary concerns are Return on Equity, PEG Ratio, Price/Sales. Some valuation metrics including PEG Ratio (2.66), Price/Sales (3.20) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 9.89%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 9.89% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 24.00% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and EPS Growth makes a compelling case at current levels. The key risk is Return on Equity, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
NBTB Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
NBTB's Price-to-Sales ratio of 3.20x sits near its historical average of 3.76x (13th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 44% below its historical high of 5.69x set in Dec 2016, and 17% above its historical low of 2.74x in Feb 2008.
WallStSmart Analysis Synopsis
Data-driven financial summary for NBT Bancorp Inc (NBTB) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
NBT Bancorp Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 665M with 24% growth year-over-year. Profit margins are strong at 25.5%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 25.5% and operating margin of 41.9% demonstrate strong pricing power and operational efficiency.
Generating 62M in free cash flow and 66M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Growth sustainability: can NBT Bancorp Inc maintain 24%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 3.5%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact NBT Bancorp Inc.
Bottom Line
NBT Bancorp Inc offers an attractive blend of growth (24% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(46 last 3 months)
| Insider | Type | Shares |
|---|---|---|
SPARKS, MARTIN RANDOLPH EVP,General Counsel,Secretary | Sell | -2,400 |
| Insider | Type | Shares |
|---|---|---|
STAGLIANO, JOSEPH R SEVP & President of NBT Bank | Buy | +2,642.325 |
| Insider | Type | Shares |
|---|---|---|
WILES, AMY EVP, Chief Risk and Credit | Sell | -4,435 |
| Insider | Type | Shares |
|---|---|---|
DELANEY, TIMOTHY E Director | Buy | +22,730 |
Data sourced from SEC Form 4 filings
Last updated: 10:12:17 AM
About NBT Bancorp Inc(NBTB)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
NBT Bancorp Inc., a financial holding company, offers commercial banking, retail banking and wealth management services. The company is headquartered in Norwich, New York.