NBT Bancorp Inc. (NBTB) Stock Analysis
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $44.81, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: commercial and industrial, agricultural, construction and CRE loans (56.0%); Analyst target reached - limited upside remaining.
NBT Bancorp is a $16B community bank holding company operating primarily in upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central/northwestern Connecticut. Revenue is predominantly net interest income... Read more
Hold if already holding. Not a fresh buy at $44.81, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: commercial and industrial, agricultural, construction and CRE loans (56.0%); Analyst target reached - limited upside remaining. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Score 6.1/10, moderate confidence.
Passes 6/8 gates (clean insider activity, no SEC red flags, news events none recent, earnings proximity 69d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: aggressive.
Recent Developments — NBT Bancorp Inc.
Latest news
- NBTB (NBT Bancorp Inc.) reports 4.4 percent Q4 2025 EPS beat, shares dip 0.65 percent in regular trading. - Wall Street — Cổng thông tin điện tử tỉnh Lào Cai positive
- NBTB (NBT Bancorp Inc.) delivers 4.4 percent Q4 2025 EPS beat, shares dip 0.66 percent in today's trading session. - ROE — UBND thành phố Hải Phòng positive
- Is NBT Bancorp (NBTB) stock a good buy at today’s price (Trend Strengthens) 2026-04-22 - Senior Analyst Forecasts - UBND — UBND thành phố Hải Phòng positive
- Is NBT Bancorp (NBTB) stock a good buy at today’s price (Trend Strengthens) 2026-04-22 - Senior Analyst Forecasts - Xã C — Xã Châu Thành positive
- NBTB (NBT Bancorp Inc.) delivers 4.4 percent Q4 2025 EPS beat, shares dip 0.66 percent in today's trading session. - Ear — Cổng thông tin điện tử Tỉnh Sơn La positive
Generated 2026-05-20T20:21:21Z.
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- HIGHloan_portfoliocommercial and industrial, agricultural, construction and CRE loans56%10-K Item 1A: 'As of December 31, 2025, approximately 56% of the Company’s loan portfolio consisted of commercial and industrial, agricultural, commercial construction and CRE loans.'
- MEDIUMregulatoryOCC10-K Item 1: 'The Bank is subject to the supervision of, and to regular examination by, the OCC as its chartering authority and primary federal regulator.'
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer
Rating Breakdown
1 floor-breaker
Momentum below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $44.81, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: commercial and industrial, agricultural, construction and CRE loans (56.0%); Analyst target reached - limited upside remaining. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Target $44.98 (+0.4%), stop $42.91 (−4.4%), A.R:R -0.7:1. Score 6.1/10, moderate confidence.
Take-profit target: $44.98 (+0.4% upside). Target $44.98 (+0.4%), stop $42.91 (−4.4%), A.R:R -0.7:1. Stop-loss: $42.91.
Concentration risk — Loan Portfolio: commercial and industrial, agricultural, construction and CRE loans (56.0%); Analyst target reached - limited upside remaining; Near 52-week high (4.5% away).
NBT Bancorp Inc. trades at a P/E of 12.7 (forward 9.9). TrendMatrix value score: 8.0/10. Verdict: Hold.
13 analysts cover NBTB with a consensus score of 3.8/5. Average price target: $49.
What does NBT Bancorp Inc. do?NBT Bancorp is a $16B community bank holding company operating primarily in upstate New York, northeastern...
NBT Bancorp is a $16B community bank holding company operating primarily in upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central/northwestern Connecticut. Revenue is predominantly net interest income from commercial, residential, and consumer loans plus fee income from wealth management, retirement plan administration, and insurance.