NBTB:NASDAQNBT Bancorp Inc. Analysis
Data as of 2026-08-11 - not real-time
$52.47
Latest Price
3/10Risk
Risk Level: Low
Executive Summary
The moving-average structure behind NBT Bancorp Inc. is bullish at $52.47, with short-term averages leading the long-term ones. It has gained 5.8% over the past 30 days. Momentum indicators put RSI at 55.1 (neutral) with MACD reading bearish. Price has been bracketed by support at $50.27 and resistance at $54.50.
The shares look undervalued, trading on 12.8 times earnings below a sector average of 16.9. Sell-side targets cluster 8.3% above the current quote. Revenue is growing at 17.8% on a 29.6% profit margin. The 3.04% 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 20.6%, a beta of 0.55 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 12.8 times earnings below a sector average of 16.9. Sell-side targets cluster 8.3% above the current quote. Revenue is growing at 17.8% on a 29.6% profit margin. The 3.04% 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 20.6%, a beta of 0.55 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
NORWICH, N.Y., July 27, 2026 GLOBE NEWSWIRE -- NBT Bancorp Inc. “NBT” or the “Company” NASDAQ: NBTB reported...Regional banking company NBT Bancorp NASDAQ:NBTB in Q2 CY2026, but sales rose 8.NORWICH, N.Y., July 01, 2026 GLOBE NEWSWIRE -- NBT Bancorp Inc. “NBT” or the “Company” NASDAQ: NBTB will...
Market Outlook
Short Term
< 1 yearPositive
Model confidence: 6/10
Key Factors
- Short-term moving averages stacked above long-term ones
- Trading above the 200-day average of 44.90
- MACD momentum is negative
Medium Term
1–3 yearsPositive
Model confidence: 6/10
Key Factors
- Short-term moving averages stacked above long-term ones
- P/E of 12.8 versus sector average of 16.9
- Trading above the 200-day average of 44.90
Long Term
> 3 yearsPositive
Model confidence: 6/10
Key Factors
- P/E of 12.8 versus sector average of 16.9
- Analyst targets imply +8.3% versus the current price
- Profit margin of 29.6% is healthy
Key Metrics & Analysis
Financial Health
Revenue Growth17.80%
Profit Margin29.59%
P/E Ratio12.8
ROE11.42%
ROA1.33%
P/B Ratio1.4
Op. Cash Flow$261.7M
Industry P/E16.9
Technical Analysis
TrendBullish
RSI55.1
Support$50.27
Resistance$54.50
MA 20$52.57
MA 50$49.87
MA 200$44.90
MACDBearish
VolumeStable
Fear & Greed Index93.82
Valuation
Fair Value$90.81
Target Price$56.83
Upside/Downside8.32%
GradeUndervalued
TypeValue
Dividend Yield3.04%
Risk Assessment
Beta0.55
Volatility20.60%
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.