NBT Bancorp Inc. (NBTB) — Stock Score Summary

NBT Bancorp Inc. (NBTB) has a MoatMap StockRank of 68/100 based on Quality (44/100), Value (36/100), and Momentum (71/100) factor scores. The current signal is BUY. NBT Bancorp is a standard regional financial utility lacking the asymmetric macro tailwinds or high-ROIC compounding characteristics required for our concentrated book.

NBT Bancorp Inc. is a financial holding company operating primarily in upstate New York and Pennsylvania, offering a range of commercial banking, retail banking, and wealth management services. It maintains a strong community bank presence, leveraging local relationships and a conservative lending approach to secure its market share. Its diversified revenue streams include insurance and wealth management, contributing to stability.

Key Financial Metrics

Price$46.65
Market Cap$2.4B
P/E (TTM)13.12
P/E (Forward)10.22
Price/Book1.28
Return on Equity10.6%
Gross Margin0.0%
Operating Margin40.6%
Revenue Growth21.6%
Dividend Yield3.2%

NBT Bancorp Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is NBT Bancorp Inc.’s (NBTB) StockRank?
MoatMap’s StockRank for NBT Bancorp Inc. (NBTB) is 68/100, with a Buy signal. It is a composite of Quality (44), Value (36), and Momentum (71) factor ranks across MoatMap’s 19,000+ stock universe.
Does NBT Bancorp Inc. have an economic moat?
NBT Bancorp Inc. (NBTB) has a Quality factor score of 44/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is NBT Bancorp Inc. a buy, hold, or sell?
MoatMap’s current signal for NBT Bancorp Inc. (NBTB) is Buy, based on a StockRank of 68/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is NBT Bancorp Inc. in?
NBT Bancorp Inc. (NBTB) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).
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