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DateIndicatorDetails
Jul 11▼ RSI OverboughtRSI 75.7, above 70, stock may be overbought
Jul 10▼ RSI OverboughtRSI 75.7, above 70, stock may be overbought
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. With a market capitalization of $2.73B, it sits in mid-cap territory. It operates through Banking, Retirement Plan Administration, and All Other segments.
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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.
The relatively low beta of 0.49 suggests NBTB is a less volatile holding compared to the broader index. The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. No single metric tells the full story. Reviewing NBTB's risk profile alongside its fundamentals and technical indicators provides a more complete picture.