NBT Bancorp Inc.
NBTBFinancial ServicesNASDAQBanks - Regional
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Daily timeframeHeadquartered within the financial services sector, NBT Bancorp Inc. focuses on Banks - Regional services and products. NBT Bancorp Inc., a financial holding company, provides personal and commercial banking, retail banking, and wealth management services in the United States. With a market capitalization of $2.40B, it sits in mid-cap territory. It operates through Banking, Retirement Plan Administration, and All Other segments.
Market Cap
$2.40B
Beta
0.48
P/E (TTM)
13.06
P/E (Fwd)
10.18
EPS (TTM)
$3.54
EPS (Fwd)
$4.54
ROE
10.5%
ROA
1.2%
Cash
$784.3M
Total Debt
$365.6M
Free CF
—
52W Change
12.8%
Annual Financials
Cash vs Debt
With $784.3M in cash and $365.6M in debt, NBTB maintains more liquidity than leverage. This favorable balance sheet position can be an asset when capital markets become less accommodating. Return on equity stands at 10.5%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 1.2% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $515.1M (2022) to $694.4M (2025), reflecting a 35% increase over the period.
With a beta below 0.7, NBT Bancorp Inc. typically sees smaller price swings than the overall market, offering a degree of stability during turbulent periods. With cash comfortably exceeding debt, NBTB has financial flexibility that may help navigate uncertain periods. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for NBT Bancorp Inc. and its sector.