What is NBT Bancorp Inc.'s (NBTB) StockRank?

MoatMap's StockRank for NBT Bancorp Inc. (NBTB) is 72/100, with a Buy signal. This is a composite score combining Quality (59), Value (46), and Momentum (62) factor ranks across MoatMap's universe of 25,000+ stocks.

Does NBT Bancorp Inc. have an economic moat?

NBT Bancorp Inc. (NBTB) has a Quality factor score of 59/100. 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 financial 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 72/100. 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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NBTB

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NBT Bancorp Inc. · Financial Services · United States · $2.7B · Avg Vol: $15M/d

StockRank

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P/E (TTM)

12.7x

ROE

11.4%

D/E

0.1x

Dividend %

2.9%

COMPANY DESCRIPTION

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.

FINANCIAL SUMMARY (USD)

Year	2021	2022	2023	2024	2025	CAGR	TTM	2026E	2027E	Fwd CAGR
Revenue	—	515.1M	517.8M	574.4M	694.4M	10.5%	723.8M	756.5M	797.4M	7.2%
EPS	3.57	3.54	2.67	2.98	3.34	-1.7%	4.11	3.65	3.97	9.0%
Shares	—	42.9M	47.1M	47.2M	52.2M	+21.8%	52.0M	—	—	—
Debt	—	701.9M	543.7M	268.0M	179.4M	-36.5%	543.2M	—	—	—
Equity	—	1.2B	1.4B	1.5B	1.9B	17.3%	—	—	—	—
Op CF	—	183.2M	157.5M	188.6M	235.2M	8.7%	261.7M	—	—	—
Inv CF	—	-926.2M	-44.2M	-399.2M	169.1M	—	—	—	—	—
Fin CF	—	-328.7M	-105.4M	289.5M	-201.2M	—	—	—	—	—

Loading 1Y...

PRICE (1Y)-6.1%

SMA 50SMA 200

$50.95

RSI (14)

46.4

52W High

$54.08

From 52W High

0.9%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.3%*45.8

ROE

11.4%58.2

GP/Assets

4.5%N/A

Op. Margin

41.4%59.3

FCF/Assets

1.4%N/A

Piotroski

685.8

Int. Cover

—50.0

D/E Ratio

0.09xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

12.7x51.3

EV/EBITDA

bankN/A

P/FCF

11.7xN/A

P/B

1.4x40.6

P/S

3.8x48.5

Div Yield

2.9%39.7

Momentum

52W High %

94%67.4

RS 6M

11%74.4

SMA 50/200

1.14x81.9

EPS Rev 4W

0.0%27.7

EPS Rev 12W

0.0%38.4

EPS Improve

+11%36.0

Q Growth

136%88.3

FUNDAMENTALS

Market Cap

$2.7B

P/E (Forward)

11.5x

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of NBTB are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
NBTB	NBT Bancorp Inc.(you)	$2.7B	72	Buy
BUSE	First Busey Corporation	$2.5B	72	Buy
NWBI	Northwest Bancshares, Inc.	$2.2B	72	Buy
BANR	Banner Corporation	$2.4B	70	Buy
PFS	Provident Financial Services, Inc.	$3.1B	70	Buy
CUBI	Customers Bancorp, Inc.	$2.7B	67	Buy
SRCE	1st Source Corporation	$2.1B	73	Buy
FCF	First Commonwealth Financial Corporation	$2.1B	70	Buy
BBT	Beacon Financial Corporation	$2.6B	65	Buy
WSBC	WesBanco, Inc.	$3.9B	72	Buy

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

Price	$50.95
Market Cap	$2.7B
P/E (TTM)	12.72
P/E (Forward)	11.51
Price/Book	1.40
Return on Equity	11.4%
Debt/Equity	0.09x
Operating Margin	41.4%
Revenue Growth	17.8%
Dividend Yield	2.9%
Free Cash Flow	$229M