NBTB:NASDAQNBT Bancorp Inc. analysis
Data as of Oct 5, 2026 - not real-time
- Latest price
- $50.95
- Risk: low
- 3/10Low risk
Summary
The moving-average structure behind NBT Bancorp Inc. is neutral at $50.95, with no clear ordering between short and long averages. It has lost 2.2% over the past 30 days. Momentum indicators put RSI at 47.4 (neutral) with MACD reading bullish. Price has been bracketed by support at $49.46 and resistance at $52.58.
The shares look undervalued, trading on 12.5 times earnings below a sector average of 15.3. Sell-side targets cluster 11.5% above the current quote. Revenue is growing at 17.8% on a 29.6% profit margin. The 3.11% dividend yield looks covered by current payout levels.
The composite risk read is 3/10, putting it in low territory. With 30-day volatility of 16.0%, a beta of 0.46 and a maximum drawdown of 12.9%, the drawdown profile is forgiving relative to most of the market. The wider market backdrop reads extreme greed at 94 on the fear-greed composite.
Short, medium and long-term reads agree on buy, with conviction of 6/10.
The shares look undervalued, trading on 12.5 times earnings below a sector average of 15.3. Sell-side targets cluster 11.5% above the current quote. Revenue is growing at 17.8% on a 29.6% profit margin. The 3.11% dividend yield looks covered by current payout levels.
The composite risk read is 3/10, putting it in low territory. With 30-day volatility of 16.0%, a beta of 0.46 and a maximum drawdown of 12.9%, the drawdown profile is forgiving relative to most of the market. The wider market backdrop reads extreme greed at 94 on the fear-greed composite.
Short, medium and long-term reads agree on buy, with conviction of 6/10.
Top market events
- NBT NBTB delivered earnings and revenue surprises of -0.
- Regional banking company NBT Bancorp NASDAQ:NBTB fell short of the market’s revenue expectations in Q2 CY2026, but...
- Regional banking company NBT Bancorp NASDAQ:NBTB in Q2 CY2026, but sales rose 8.
Market outlook
Short term
< 1 yearPositive
Model confidence6/106 out of 10
Key factors
- Trading above the 200-day average of 46.88
- MACD momentum is positive
- RSI at 47.4 is in neutral territory
Medium term
1–3 yearsPositive
Model confidence6/106 out of 10
Key factors
- P/E of 12.5 versus sector average of 15.3
- Trading above the 200-day average of 46.88
- Analyst targets imply +11.5% versus the current price
Long term
> 3 yearsPositive
Model confidence6/106 out of 10
Key factors
- P/E of 12.5 versus sector average of 15.3
- Analyst targets imply +11.5% versus the current price
- Profit margin of 29.6% is healthy
Key metrics
Financial health
Revenue Growth17.80%
Profit Margin29.59%
P/E Ratio12.5
ROE11.42%
ROA1.33%
P/B Ratio1.4
Op. Cash Flow$261.7M
Industry P/E15.3
Technical analysis
TrendNeutral
RSI47.4
Support$49.46
Resistance$52.58
MA 20$51.22
MA 50$51.97
MA 200$46.88
MACDBullish
VolumeStable
Fear & Greed Index93.71
Valuation
Fair Value$82.77
Target Price$56.83
Upside/Downside11.55%
GradeUndervalued
TypeValue
Dividend Yield3.11%
Risk assessment
Beta0.46
Volatility16.01%
Sector RiskMedium
Reg. RiskHigh
Geo RiskLow
Currency RiskLow
Liquidity RiskMedium
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This analysis may contain inaccuracies and is provided for informational and research purposes only. It is not personal investment advice, a recommendation, or an instruction to buy, sell, or hold any asset.