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. The $2.72B market capitalization puts NBTB squarely in mid-cap range for its industry. It operates through Banking, Retirement Plan Administration, and All Other segments.
Market Cap
$2.72B
Beta
0.48
P/E (TTM)
12.72
P/E (Fwd)
11.51
EPS (TTM)
$4.11
EPS (Fwd)
$4.54
ROE
11.4%
ROA
1.3%
Cash
$366.8M
Total Debt
$543.2M
Free CF
—
52W Change
19.0%
Annual Financials
Cash vs Debt
Where NBTB stands vs its 150-day and 200-day moving averages
As of the September 2, 2026 close, NBTB finished 8.75% above its 150-day moving average ($46.26) and 11.65% above its 200-day moving average ($45.06). 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 September 2, 2026 close, NBTB's RSI(14) was 17.7, in oversold territory (below 30). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
The company holds $366.8M in cash, though total debt stands at $543.2M. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. 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.
NBTB's low beta indicates it tends to be less volatile than the broader market, which may suit investors seeking more stable price behavior. No single metric tells the full story. Reviewing NBTB's risk profile alongside its fundamentals and technical indicators provides a more complete picture.