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 $2.75B, it sits in mid-cap territory. It operates through Banking, Retirement Plan Administration, and All Other segments.
Market Cap
$2.75B
Beta
0.49
P/E (TTM)
12.93
P/E (Fwd)
11.58
EPS (TTM)
$4.09
EPS (Fwd)
$4.57
ROE
11.4%
ROA
1.3%
Cash
$366.8M
Total Debt
$543.2M
Free CF
—
52W Change
29.2%
Annual Financials
Cash vs Debt
Where NBTB stands vs its 150-day and 200-day moving averages
As of the October 20, 2026 close, NBTB finished 5.54% above its 150-day moving average ($48.02) and 8.52% above its 200-day moving average ($46.70). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is NBTB overbought or oversold?
At the October 20, 2026 close, NBTB's RSI(14) was 54.6, in neutral territory (between 30 and 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
NBT Bancorp Inc. carries $543.2M in total debt against $366.8M in cash reserves — debt is modestly above the cash position. Managing this leverage effectively will be important for long-term financial stability. ROE of 11.4% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.3% 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. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence NBT Bancorp Inc.'s trajectory.