📊 NBTB Key Takeaways
Is Nbt Bancorp Inc. (NBTB) a Good Investment?
NBT Bancorp demonstrates solid balance sheet strength with conservative leverage (0.01x debt/equity) and robust free cash flow generation ($218.9M). However, a dramatic 74.3% revenue decline combined with mathematically inconsistent margin ratios (operating margin >100%, net margin 92.5%) creates substantial data quality concerns that prevent reliable assessment of fundamental profitability trends and earnings sustainability.
Capital and liquidity look solid with ROA ~1.1% and ROE ~8.9%, but fundamentals show mixed quality as EPS rose while revenue plunged 74% YoY. Exceptionally high margins and FCF suggest non-recurring items or accounting mix effects rather than sustainable core growth. Await normalization of earnings and stabilization of core revenue drivers before upgrading.
Why Buy Nbt Bancorp Inc. Stock? NBTB Key Strengths
- Strong free cash flow generation of $218.9M with positive operating cash flow of $235.2M
- Highly conservative balance sheet with debt/equity of 0.01x and $487.1M in cash equivalents
- Positive EPS growth of 12.1% YoY despite revenue challenges
- Strong capitalization and low structural leverage (D/E ~0.01x; equity/assets ~12%)
- Solid profitability metrics for a regional bank (ROA 1.1%, ROE 8.9%) with EPS growth
- Healthy cash generation and adequate interest coverage (FCF margin ~120%, 4.2x)
NBTB Stock Risks: Nbt Bancorp Inc. Investment Risks
- Unexplained 74.3% year-over-year revenue decline suggests severe operational contraction or portfolio restructuring
- Impossible financial ratios (>100% operating margin, 92.5% net margin) indicate significant data quality or accounting anomalies requiring investigation
- Moderate ROA of 1.1% and ROE of 8.9% suggest below-average profitability for banking sector
- Severe revenue contraction (-74% YoY) questions durability of core earnings
- Elevated margins likely reflect one-time or noncore items, risking mean reversion
- Exposure to funding cost pressures and credit cycle that could compress NIM and raise losses
Key Metrics to Watch
- Reconciliation of revenue decline and clarification of operating income calculation to validate margin ratios
- Quarterly revenue trends to determine if 74.3% decline is temporary or structural
- Interest coverage ratio sustainability and deposit/loan portfolio composition
- Net interest margin (NIM)
- Credit losses (net charge-offs/nonperforming loans)
Nbt Bancorp Inc. (NBTB) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 119.7% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
NBTB Profit Margin, ROE & Profitability Analysis
NBTB vs Finance Sector: How Nbt Bancorp Inc. Compares
How Nbt Bancorp Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Nbt Bancorp Inc. Stock Overvalued? NBTB Valuation Analysis 2026
Based on fundamental analysis, Nbt Bancorp Inc. appears fundamentally strong relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Nbt Bancorp Inc. Balance Sheet: NBTB Debt, Cash & Liquidity
NBTB Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Nbt Bancorp Inc.'s revenue has grown significantly by 21% over the 5-year period, indicating strong business expansion. The most recent EPS of $2.65 reflects profitable operations.
NBTB Revenue Growth, EPS Growth & YoY Performance
NBTB Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2018 | $29.5M | $22.9M | $0.52 |
| Q2 2018 | $29.1M | $21.4M | $0.49 |
| Q1 2018 | $27.3M | $15.3M | $0.46 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Nbt Bancorp Inc. Dividends, Buybacks & Capital Allocation
NBTB SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Nbt Bancorp Inc. (CIK: 0000790359)
📋 Recent SEC Filings
❓ Frequently Asked Questions about NBTB
What is the AI rating for NBTB?
Nbt Bancorp Inc. (NBTB) has a Combined AI Rating of HOLD from Claude (HOLD) and ChatGPT (HOLD) with 51% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are NBTB's key strengths?
Claude: Strong free cash flow generation of $218.9M with positive operating cash flow of $235.2M. Highly conservative balance sheet with debt/equity of 0.01x and $487.1M in cash equivalents. ChatGPT: Strong capitalization and low structural leverage (D/E ~0.01x; equity/assets ~12%). Solid profitability metrics for a regional bank (ROA 1.1%, ROE 8.9%) with EPS growth.
What are the risks of investing in NBTB?
Claude: Unexplained 74.3% year-over-year revenue decline suggests severe operational contraction or portfolio restructuring. Impossible financial ratios (>100% operating margin, 92.5% net margin) indicate significant data quality or accounting anomalies requiring investigation. ChatGPT: Severe revenue contraction (-74% YoY) questions durability of core earnings. Elevated margins likely reflect one-time or noncore items, risking mean reversion.
What is NBTB's revenue and growth?
Nbt Bancorp Inc. reported revenue of $183.0M.
Does NBTB pay dividends?
Nbt Bancorp Inc. pays dividends, with $72.6M distributed to shareholders in the trailing twelve months.
Where can I find NBTB SEC filings?
Official SEC filings for Nbt Bancorp Inc. (CIK: 0000790359) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is NBTB's EPS?
Nbt Bancorp Inc. has a diluted EPS of $3.33.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is NBTB a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Nbt Bancorp Inc. has a HOLD rating with 51% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is NBTB stock overvalued or undervalued?
Valuation metrics for NBTB: ROE of 8.9% (sector avg: 12%), net margin of 92.5% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy NBTB stock in 2026?
Our dual AI analysis gives Nbt Bancorp Inc. a combined HOLD rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is NBTB's free cash flow?
Nbt Bancorp Inc.'s operating cash flow is $235.2M, with capital expenditures of $16.3M. FCF margin is 119.7%.
How does NBTB compare to other Finance stocks?
Vs Finance sector averages: Net margin 92.5% (avg: 25%), ROE 8.9% (avg: 12%), current ratio N/A (avg: 1.2).