NBT Bancorp Inc. (NBTB) earns a Roarable Rating of B (Buy) with 74/100 RQD Confidence. High-quality cash engine (steady margins, 9% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
FRED Regime × Technicals: 90% of 52W Range • RSI-14 at 54.3 (NEUTRAL RANGE)
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
Balance-sheet & 10-K footnote risk deducts 7 pts from forensic ceiling
Even with a 74/100 (B) score, NBTB faces multiple-compression risk if 16.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($51.35) or 200D SMA ($47.70) invalidates the momentum regime and cuts Target Base ($56.78) toward Bear Floor ($43.44).
NBT Bancorp Inc. (NBTB) advanced +1.92% to $52.97, trading at 90% of its 52-week range ($39.45 – $54.5). High-quality cash engine (steady margins, 9% return on capital) with steady institutional support.
NBT Bancorp’s third quarter results were shaped by continued loan growth, improved net interest margin, and higher contributions from fee-based businesses. Management credited productive commercial lending and discipline
Keefe, Bruyette & Woods analyst David Konrad reiterates NBT Bancorp (NASDAQ:NBTB) with a Market Perform and lowers the price target from $58 to $55.
(NBTB) on Tuesday reported third-quarter net income of $58 million.The Norwich, New York-based bank said it had earnings of $1.
NBT Bancorp (NASDAQ:NBTB) reported record third-quarter earnings as loan growth, a higher net interest margin and fee-based business contributions lifted results. The company posted net income of $58 million, or $1.11 pe
Record net income and net interest income drive Q3 results.
NBT Bancorp Inc. (NBTB) Q3 2026 Earnings Call October 28, 2026 10:00 AM EDTCompany ParticipantsScott Kingsley - President, CEO & DirectorJoseph...
Moby summary of NBT Bancorp Inc.'s Q3 2026 earnings call
NBT Bancorp (NASDAQ:NBTB) reported third-quarter financial results on Wednesday. The transcript from the company’s third-quarter earnings call has been provided below.This transcript is brought to you by Benzinga APIs.
2026-10-28. The following slide deck was published by NBT Bancorp Inc.
The headline numbers for NBT (NBTB) give insight into how the company performed in the quarter ended September 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago a
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +10.4% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on NBTB today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for NBTB. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, NBT Bancorp Inc. (NBTB) ranks #56 by composite RQD confidence (74/100, grade B) and #381 by equity capitalization ($2.75B). Within this direct 5-issuer industry benchmark cohort, BOH leads on earnings valuation at 13.4x trailing P/E, while BOH leads on capital efficiency and profitability with 11.1% ROIC and — gross margin. NBTB currently leads its immediate peer cohort in composite quantitative strength at 74/100 (B).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| NBTB
ACTIVE
NBT Bancorp Inc. | B | 74/100 | 16.3x | — | 8.9% | +1.92% | $2.75B | Benchmark Subject |
| BOH Bank of Hawaii Corporation | B | 72/100 | 13.4x | — | 11.1% | +1.71% | $2.77B | /boh-vs-nbtb → |
| TOWN TowneBank | D | 51/100 | — | — | — | +1.00% | $2.72B | /town-vs-nbtb → |
| FBK FB Financial Corporation | C+ | 67/100 | 21.9x | — | 6.3% | +1.42% | $2.68B | /fbk-vs-nbtb → |
| FBNC First Bancorp | B- | 70/100 | 23.9x | — | 6.7% | +1.37% | $2.66B | /fbnc-vs-nbtb → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), NBT Bancorp Inc. (NBTB) reported GAAP revenue of $183.0M (+10.4% vs. FY2024 revenue of $165.7M , and +26.4% cumulative change since FY2023) , GAAP net income of $169.2M, operating cash flow of $235.2M, and free cash flow of $235.2M (+24.7% YoY). On the balance sheet, NBTB closed FY2025 with $16.00B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $183.0M | $169.2M | $235.2M | $235.2M | $16.00B | — |
| FY2024 (FY) | 2024-12-31 | $165.7M | $140.6M | $188.6M | $188.6M | $13.79B | — |
| FY2023 (FY) | 2023-12-31 | $144.7M | $118.8M | $157.5M | $157.5M | — | — |
As of 2026-11-01, NBT Bancorp Inc. (NASDAQ: NBTB) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 74/100 at a spot price of $52.97 (+1.92% 1D, market cap $2.75B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 18/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, NBTB ranks #56 in composite RQD confidence.
Within the Financials sector (Major Banks), NBTB carries a Roarable B (74/100 RQD), trailing P/E of 16.3x, gross margin of —, and ROIC of 8.9%. By comparison, BOH (Bank of Hawaii Corporation) holds a B grade (72/100 RQD, P/E 13.4x, ROIC 11.1%, cap $2.77B) and TOWN (TowneBank) posts a D grade (51/100 RQD, P/E N/A, ROIC —, cap $2.72B). Among the 5-stock peer group, BOH leads on earnings multiple (13.4x) while BOH leads on capital efficiency (11.1% ROIC).
Per NBTB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000790359), NBT Bancorp Inc. generated $183.0M in revenue (+10.4% YoY), $169.2M in net income, and $235.2M in free cash flow against $16.00B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
NBTB last traded at $52.97 (+1.92% on volume of 325,018 shares), positioning the stock +3.15% above its 50-day simple moving average ($51.35) and +11.05% above its 200-day simple moving average ($47.70). Across its 52-week range of $39.45 to $54.50, NBTB sits at the 89.8% percentile with a 14-day RSI of 54.3 (NEUTRAL RANGE) and an implied next-earnings move of ±3.8% ($50.96 to $54.98).
Why NBTB Stock advanced +1.92% Today — RQD Quant Desk Flash. High-quality cash engine (steady margins, 9% return on capital) with steady institutional support.