NBT Bancorp Inc. (NBTB) Stock Score, Valuation & Financial Research
NBT Bancorp Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 53/100.
Quick answer for NBTB
NBT Bancorp Inc. currently has a Wall Street Score of 53/100. The stored market price is $52.14. Its financial score is 32/100. Its valuation score is 93/100. These figures are a research snapshot, not a buy or sell recommendation.
What NBT Bancorp Inc. does
NBT Bancorp Inc., a financial holding company, provides personal and commercial banking, retail banking, and wealth management services in the United States. It operates through Banking, Retirement Plan Administration, and All Other segments. The company offers demand deposit, savings, interest-bearing checking, money market deposit, and certificate of deposit accounts; and indirect and direct consumer loans, home equity loans and lines of credit, residential mortgages, business banking loans, commercial and industrial loans, agricultural loans, commercial construction loans, commercial real estate loans, indirect auto loans, and other consumer loans, as well as agricultural lending, personal lines of credit, overdraft protection, and second mortgage loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan and health savin
NBTB financial snapshot
- Wall Street Score:
- 53/100
- Current price:
- $52.14
- Market capitalization:
- $2.71B
- Revenue:
- $933.8M
- Net income:
- $183.6M
- Free cash flow:
- $218.9M
- Cash:
- $151.6M
- Total debt:
- $160.9M
- EPS:
- 3.34
- P/E ratio:
- 15.6x
- Financial score:
- 32/100
- Valuation score:
- 93/100
- Revenue score:
- 37/100
What stands out
- Reported year-over-year revenue growth is +0.1%.
- Free cash flow is $218.9M, showing positive cash generation.
- The balance sheet shows $151.6M of cash versus $160.9M of total debt, so leverage deserves attention.
What the numbers mean
Its current valuation score is 93/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 32/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research NBTB
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.