NBTB | Ticker Profile - Titan Protect

NBTB

NBT Bancorp Inc.

Financial Services · Banks - Regional · NMS

$46.41

Data: 2026-05-28

✗ ETHICAL FAIL

Unknown MOAT

HIGH

Data Confidence: 100.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$2.4B

Total market value of the company

Trailing P/E

13.02

Reasonably valued

Forward P/E

10.15

Based on estimated future earnings — lower means cheaper

Rev Growth

+21.6%

Year-over-year revenue change

Profit Margin

26.4%

How much profit the company keeps from each dollar of revenue

ROE

10.6%

Return on equity — how efficiently it uses shareholder money

Analyst Target

$49.00

+6% from current price — median analyst estimate

Recommendation

NONE

Consensus view from 6 analysts covering this stock

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; and indirect and direct consumer loans, home equity loans and lines of credit, residential mortgages, business banking loans, commercial and industrial loans, agricultural loans, commercial construction loans, commercial real estate loans, indirect auto loans, and other consumer loans, as well as agricultural lending, personal lines of credit, overdraft protection, and second mortgage loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan and health savings account recordkeeping and administration, and actuarial services. In addition, the company offers insurance products, such as personal property and casualty, business liability, and commercial insurance; and other products and services through a network of ATM locations and 24-hour online, mobile, and telephone channels that enable customers to check balances, make deposits, transfer funds, pay bills, access statements, apply for loans, and access various other products and services. Further, it operates as a property management and passive investment company, as well as investment advisor that provides investment management and financial consulting services. The company serves retail, commercial, and municipal customers. It operates in upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York.

https://www.nbtbancorp.com

Country: United States Employees: 2,303 Industry: Banks - Regional

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

FAIL

Core business does not involve prohibited activities

Debt Ratio

0.0% N/A

Debt must be below 33% of total assets

Cash Ratio

0.0% N/A

Interest-bearing cash below 33% of assets

Receivables

0.0% N/A

Receivables below 49% of assets

Revenue Purity

0.0% N/A

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

ACCUMULATION

Smart money appears to be building positions quietly

Sharpe Ratio

0.702

Good returns relative to risk taken

Kelly Fraction

0.0499

Modest edge detected — smaller position warranted

Calmar Ratio

0.679

Acceptable balance between returns and drawdown risk

Annual Return

17.4%

Historical annualised return based on price data

Max Drawdown

-25.7%

Largest peak-to-trough decline — the worst it has been

HMM State

SIDEWAYS

Price consolidating — no clear directional bias

Days in State

368

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

0.48

Very low correlation to market moves

52W High

$46.92

1% below the year high

52W Low

$39.20

18% above the year low

Avg Volume

264,827

Average daily shares traded — higher means easier to buy and sell

Short Ratio

5.2

Days it would take all short sellers to cover — higher means more crowded

Short % Float

4.0%

Low short interest — limited bearish positioning

Div Yield

321.0%

Annual dividend as a percentage of the share price

EPS (TTM)

$3.54

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Like current ratio but excludes inventory — stricter test

Gross Margin

0.0%

Revenue left after cost of goods — higher means pricing power

Operating Margin

40.6%

Profit from core operations before interest and tax

Free Cash Flow

N/A

Negative — the business is spending more than it generates

Revenue (TTM)

$697M

Total revenue over the last 12 months

Net Income

$184M

Profitable — the bottom line is positive

Analyst Coverage

Analysts

Target High

$52.00

Target Median

$49.00

Target Low

$46.50

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-05-28

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