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 (57), Value (40), and Momentum (68) factor ranks across MoatMap's 20,000+ stock universe.

Does NBT Bancorp Inc. have an economic moat?

NBT Bancorp Inc. (NBTB) has a Quality factor score of 57/100. 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

BUY

NBT Bancorp Inc. · Financial Services · United States · $2.7B · Avg Vol: $21M/d

StockRank

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P/E (TTM)

14.8x

ROE

10.6%

D/E

0.1x

Dividend %

2.8%

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%	696.6M	759.9M	794.7M	7.0%
EPS	3.57	3.54	2.67	2.98	3.34	-1.7%	3.54	3.67	3.93	8.5%
Shares	—	42.9M	47.1M	47.2M	52.2M	+21.8%	52.0M	—	—	—
Debt	—	701.9M	543.7M	268.0M	179.4M	-36.5%	365.6M	—	—	—
Equity	—	1.2B	1.4B	1.5B	1.9B	17.3%	—	—	—	—
Op CF	—	183.2M	157.5M	188.6M	235.2M	8.7%	246.3M	—	—	—
Inv CF	—	-926.2M	-44.2M	-399.2M	169.1M	—	—	—	—	—
Fin CF	—	-328.7M	-105.4M	289.5M	-201.2M	—	—	—	—	—

Loading 1Y...

PRICE (1Y)+9.0%

SMA 50SMA 200

$52.52

RSI (14)

68.6

52W High

$53.33

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.2%*43.5

ROE

10.6%55.4

GP/Assets

4.4%N/A

Op. Margin

40.6%60.1

FCF/Assets

1.4%N/A

Piotroski

683.6

Int. Cover

—50.0

D/E Ratio

0.09xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

14.8x41.3

EV/EBITDA

bankN/A

P/FCF

11.9xN/A

P/B

1.4x37.7

P/S

3.9x48.1

Div Yield

2.8%34.9

Momentum

52W High %

98%86.3

RS 6M

15%81.9

SMA 50/200

1.10x76.6

EPS Rev 4W

-1.0%37.3

EPS Rev 12W

-2.0%27.3

EPS Improve

+27%56.0

Q Growth

39%70.0

FUNDAMENTALS

Market Cap

$2.7B

P/E (Forward)

11.6x

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
FRME	First Merchants Corporation	$2.7B	68	BUY
FHB	First Hawaiian, Inc.	$3.4B	71	BUY
BUSE	First Busey Corporation	$2.5B	76	BUY
SYBT	Stock Yards Bancorp, Inc.	$2.4B	69	BUY
BANR	Banner Corporation	$2.4B	76	BUY
NWBI	Northwest Bancshares, Inc.	$2.3B	75	BUY
TRMK	Trustmark Corporation	$2.7B	65	BUY
CUBI	Customers Bancorp, Inc.	$2.6B	78	BUY
EFSC	Enterprise Financial Services Corp	$2.4B	68	BUY

Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%

Price	$52.52
Market Cap	$2.7B
P/E (TTM)	14.78
P/E (Forward)	11.64
Price/Book	1.42
Return on Equity	10.6%
Debt/Equity	0.09x
Operating Margin	40.6%
Revenue Growth	21.6%
Dividend Yield	2.8%
Free Cash Flow	$229M