Nama's AI scorecard currently rates NBT Bancorp Hold (5.7 out of 10), a call computed from its profitability, cash generation, growth, valuation and balance sheet. It is a research reading, not investment advice.

What is NBTB's P/E ratio?

NBT Bancorp trades at a trailing price-to-earnings ratio of 12.8.

When does NBTB report earnings?

NBT Bancorp's next scheduled report is on Jan 25, 2027. Analysts expect EPS of $1.09.

What is the NBTB price target?

The median analyst price target from 6 analysts is $56.00, with a range of $54.00 – $62.00.

Is NBTB Shariah compliant?

Nama's AAOIFI-style screen reads NBT Bancorp as Not Shariah Compliant. At least one of the three ratios or the industry test failed.

Does NBTB pay a dividend?

Yes — NBT Bancorp's dividend yield is 3.0%.

Nama Insights

NBT Bancorp (NBTB)

Financial Services · Banks Regional · NASDAQ

NBT Bancorp (NBTB) is a Financial Services company in the Banks Regional industry. It has a market capitalization of $2.74B and a trailing price-to-earnings ratio of 12.8. Over the most recent reported fiscal year, revenue grew 20.9%. Nama's AI scorecard rates it Hold, 5.7 out of 10. On 12-month momentum it ranks in the leading band of its market.

AI scorecard

Hold · 5.7/10

The sections balance. As of Nov 7, 2026.

Momentum

Leading · +22.8% over 12 months ex. last

Top 20% of its market on the past year's steady rise.

Shariah screen

Not Shariah Compliant

At least one of the three ratios or the industry test failed.

Off its high

-4.5%

How far the last close sits under the highest price of the past five years.

Market cap	$2.74B
Trailing P/E	12.8
Price / book	1.4
Price / sales	3.8
FCF yield	—
Dividend yield	3.0%
Gross margin	0.0%
Operating margin	—
Net margin	29.7%
Revenue growth (YoY)	+20.9%
Revenue growth (3-yr annual)	+10.5%
EPS growth (YoY)	+12.6%
FCF/share growth (YoY)	—
Beta	0.5
Exchange	NASDAQ
Sector	Financial Services
Industry	Banks Regional

NBTB earnings

Next report: Jan 25, 2027 (Q4 2026, EPS estimate $1.09). Beat the EPS estimate in 2 of 4 recent quarters.

Quarter	Reported	EPS	Estimate	Surprise	Revenue
Q3 2026	Oct 27, 2026	$1.11	$1.09	+1.8%	—
Q2 2026	Jul 27, 2026	$1.01	$1.02	-1.0%	$186.15M
Q1 2026	Apr 23, 2026	$0.97	$0.98	-1.0%	$183.87M
Q4 2025	Jan 26, 2026	$1.05	$0.99	+6.1%	$184.36M

NBTB analyst price target

Median target $56.00 from 6 analysts, ranging $54.00 – $62.00.

Banks Regional peers

Ticker	Company	Market cap	P/E
HDB	HDFC Bank	$129.32B	15.9
IBN	ICICI Bank	$121.68B	21.2
MFG	Mizuho Financial Group	$113.48B	13.1
USB	U.S. Bancorp	$92.63B	11.6
PNC	PNC Financial Services Group	$89.43B	12.0
ITUB	Itaú Unibanco	$81.45B	8.6
LYG	Lloyds Banking Group	$72.69B	9.8
DB	Deutsche Bank Aktiengesellschaft	$64.60B	10.5

Explore live NBTB data on Nama Insights →

NBTB FAQ

Is NBTB a buy?: Nama's AI scorecard currently rates NBT Bancorp Hold (5.7 out of 10), a call computed from its profitability, cash generation, growth, valuation and balance sheet. It is a research reading, not investment advice.
What is NBTB's P/E ratio?: NBT Bancorp trades at a trailing price-to-earnings ratio of 12.8.
When does NBTB report earnings?: NBT Bancorp's next scheduled report is on Jan 25, 2027. Analysts expect EPS of $1.09.
What is the NBTB price target?: The median analyst price target from 6 analysts is $56.00, with a range of $54.00 – $62.00.
Is NBTB Shariah compliant?: Nama's AAOIFI-style screen reads NBT Bancorp as Not Shariah Compliant. At least one of the three ratios or the industry test failed.
Does NBTB pay a dividend?: Yes — NBT Bancorp's dividend yield is 3.0%.