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Earnings transcript
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NBTB
NBT Bancorp Inc.
$51.39
-0.12
(-0.24%)
| Exchange: | NASDAQ |
| Market Cap: | 2.673B |
| Shares Outstanding: | 12.857M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Scott A. Kingsley | |||||
| Full Time Employees: | 2303 | |||||
| Address: |
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| Website: | https://www.nbtbancorp.com |
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.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 662,349 | 785,989 | 867,432.999 |
| Gross Profit | 492,505 | 554,834 | 625,733 |
| EBITDA | 175,731 | 206,953 | 241,032 |
| Operating Income | 153,459 | 179,458 | 219,444 |
| Net Income | 118,782 | 140,641 | 169,235 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 13,309,040 | 13,786,666 | 15,995,121 |
| Total Liabilities | 11,883,349 | 12,260,525 | 14,098,905 |
| Total Stockholders Equity | 1,425,691 | 1,526,141 | 1,896,216 |
| Total Debt | 637,387 | 414,983 | 191,245 |
| Cash and Cash Equivalents | 205,189 | 284,056 | 185,158 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 157,457 | 188,567 | 105,387 |
| Capital Expenditure | -9,254 | -11,742 | 0 |
| Free Cash Flow | 148,203 | 176,825 | 105,387 |
| Net Income | 118,782 | 140,641 | 169,235 |
| Net Change in Cash | 7,839 | 78,867 | -99,612 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2027 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 786,954.650 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 813,537.228 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 800,426.500 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 259,914.813 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 268,694.488 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 264,364.286 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 223,417.006 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 241,393.257 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 235,791.290 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 226,291.494 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 233,935.405 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 230,165.370 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 4.540 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 4.740 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 4.390 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 5 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 6 | Research Access | Research Access | Research Access | Research Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance: NBT Bancorp reported a net income of $22.5 million in Q2 2025, reflecting consistent profitability as highlighted in the earnings call transcript. Key metrics such as return on equity (ROE TTM) and net profit margin (TTM) indicate efficient capital utilization and operational strength compared to industry benchmarks.
- Strong Liquidity and Capital Management: The earnings call emphasized effective liquidity and capital management, supported by balance sheet data showing healthy cash and cash equivalents and a manageable current ratio (TTM). This positions NBTB well for operational stability and potential growth initiatives.
- Dividend Consistency: With a reported dividend yield (TTM) and a history of net dividends paid as per cash flow statements, NBTB demonstrates a commitment to returning value to shareholders, appealing to income-focused investors.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates NBTB intrinsic value between $49.10 – $54.81 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
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Common questions about NBTB valuation
Is NBT Bancorp Inc. (NBTB) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for NBT Bancorp Inc. (NBTB) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is NBTB a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether NBTB trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is NBTB’s P/E ratio?
You can see NBTB’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for NBTB?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is NBTB a good long-term investment?
Whether NBTB fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
NBTB
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Daily snapshot
-0.24
Trading Metrics:
| Open: | 51.11 | Previous Close: | 51.51 | |
| Day Low: | 50.74 | Day High: | 51.42 | |
| Year Low: | 39.2 | Year High: | 54.5 | |
| Price Avg 50: | 51.27 | Price Avg 200: | 45.6 | |
| Volume: | 88240 | Average Volume: | 341958 |
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Login — it's freeNBTB full analysis
Welcome to MARKETSNAP’s SWOT analysis for NBT Bancorp, also known by its ticker NBTB! If you’re a long-term investor looking to dig into a regional banking player, you’ve come to the right place. Today, we’re breaking down the strengths, weaknesses, opportunities, and threats for NBT Bancorp, a financial institution that might not be a household name like the big Wall Street giants but still packs a punch in its niche. Let’s dive into what makes this company tick, look at…
