Nbt Bancorp Stock Today
| NBTB Stock | USD 33.51 0.35 1.03% |
Performance0 of 100
| Odds Of DistressLess than 6
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NBT Bancorp is trading at 33.51 as of the 16th of April 2024, a -1.03% down since the beginning of the trading day. The stock's open price was 33.86. NBT Bancorp has only a 6 % chance of going through financial distress over the next few years, but has generated negative returns over the last 90 days. Equity ratings for NBT Bancorp are calculated daily based on our scoring framework. The performance scores are derived for the period starting the 17th of March 2024 and ending today, the 16th of April 2024. Click here to learn more.
Business Domain Banks | IPO Date 17th of March 1992 | Category Financial Services | Classification Financials |
NBT Bancorp Inc., a financial holding company, provides commercial banking, retail banking, and wealth management services. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York. NBT Bancorp operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. The company has 47.16 M outstanding shares of which 1.15 M shares are now shorted by private and institutional investors with about 4.42 trading days to cover. More on NBT Bancorp
Moving together with NBT Stock
| 0.85 | BY | Byline Bancorp Report 25th of April 2024 | PairCorr |
| 0.82 | PB | Prosperity Bancshares Report 24th of April 2024 | PairCorr |
Moving against NBT Stock
| 0.7 | KB | KB Financial Group Financial Report 20th of May 2024 | PairCorr |
| 0.67 | TFC-PI | Truist Financial | PairCorr |
| 0.66 | WF | Woori Financial Group Earnings Call This Week | PairCorr |
| 0.65 | VBFC | Village Bank | PairCorr |
| 0.48 | TECTP | Tectonic Financial | PairCorr |
| 0.42 | NU | Nu Holdings Financial Report 20th of May 2024 | PairCorr |
NBT Stock Highlights
Most reasonable investors view market volatility as an opportunity to invest at a favorable price or to sell short against a bearish trend. NBT Bancorp's investment highlights are automatically generated signals that are significant enough to either complement your investing judgment regarding NBT Bancorp or challenge it. These highlights can help you better understand the position you are entering and avoid costly mistakes.
| CEO | Martin Dietrich | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Business Concentration | Regional Banks, Banks - Regional, Financial Services, SP Small-Cap 600, NASDAQ Composite, Financials, Banks, Banks—Regional, Financial Services (View all Sectors) | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Average Analyst Recommendation Analysts covering NBT Bancorp report their recommendations after researching NBT Bancorp's financial statements, talking to executives and customers, or listening in on NBT Bancorp's conference calls. The current trade recommendation is based on an ongoing consensus estimate among financial analysts covering NBT Bancorp. The NBT consensus assessment is calculated by taking the average forecast from all of the analysts covering NBT Bancorp. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Financial Strength Based on the analysis of NBT Bancorp's profitability, liquidity, and operating efficiency, NBT Bancorp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. Financial strength of NBT Bancorp is based on its profitability, leverage, liquidity, source of funds, and operating efficiency.
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NBT Bancorp's financial strength is of vital concern to both outside investors and internal stakeholders. Efficiency and cost control are keys to NBT Bancorp's success, along with its ability to generate sufficient cash flow to pay bills, repay debt, and make a consistent year-to-year profit. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Financial leverage usually refers to the use of borrowed funds to amplify returns from an investment. In general, analyzing the relationship between debt to total assets helps investors to understand NBT Bancorp's financial leverage. It provides some insight into what part of NBT Bancorp's total assets is financed by creditors.
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NBT Bancorp (NBTB) is traded on NASDAQ Exchange in USA. It is located in 52 South Broad Street, Norwich, NY, United States, 13815 and employs 2,034 people. NBT Bancorp is listed under Regional Banks category by Fama And French industry classification. The company currently falls under 'Mid-Cap' category with a current market capitalization of 1.58 B. Market capitalization usually refers to the total value of a company's stock within the entire market. To calculate NBT Bancorp's market, we take the total number of its shares issued and multiply it by NBT Bancorp's current market price. To manage market risk and economic uncertainty, many investors today build portfolios that are diversified across equities with different market capitalizations. However, as a general rule, conservative investors tend to hold large-cap stocks, and those looking for more risk prefer small-cap and mid-cap equities. NBT Bancorp conducts business under Banks sector and is part of Financials industry. The entity has 47.16 M outstanding shares of which 1.15 M shares are now shorted by private and institutional investors with about 4.42 trading days to cover.
NBT Bancorp currently holds about 321.06 M in cash with 159.45 M of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 7.5.
Check NBT Bancorp Probability Of Bankruptcy
Ownership AllocationNBT Bancorp maintains a total of 47.16 Million outstanding shares. Over half of NBT Bancorp's outstanding shares are owned by institutional investors. These institutional investors are typically referred to as corporate investors that shop for positions in a given instrument to benefit from reduced trade commissions. Therefore, these institutions are subject to different rules and regulations than regular investors in NBT Bancorp. Please watch out for any change in the institutional holdings of NBT Bancorp as this could mean something significant has changed or is about to change at the company. Please note that no matter how many assets the company has, if the real value of the entity is less than the current market value, you may not be able to make money on it.
Check NBT Ownership Details
NBT Stock Price Odds Analysis
What are NBT Bancorp's target price odds to finish over the current price? Depending on a normal probability distribution, the odds of NBT Bancorp jumping above the current price in 90 days from now is about 84.26%. The NBT Bancorp probability density function shows the probability of NBT Bancorp stock to fall within a particular range of prices over 90 days. Given the investment horizon of 90 days the stock has a beta coefficient of 1.5359. This indicates as the benchmark fluctuates upward, the company is expected to outperform it on average. However, if the benchmark returns are projected to be negative, NBT Bancorp will likely underperform. Additionally, nBT Bancorp has a negative alpha, implying that the risk taken by holding this instrument is not justified. The company is significantly underperforming the NYSE Composite.
Based on a normal probability distribution, the odds of NBT Bancorp to move above the current price in 90 days from now is about 84.26 (This NBT Bancorp probability density function shows the probability of NBT Stock to fall within a particular range of prices over 90 days) .
NBT Stock Institutional Holders
Institutional Holdings refers to the ownership stake in NBT Bancorp that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of NBT Bancorp's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing NBT Bancorp's value.| Instituion | Recorded On | Shares | |
| Morgan Stanley - Brokerage Accounts | 2023-12-31 | 369.1 K | |
| Norges Bank | 2023-12-31 | 299.4 K | |
| Manufacturers Life Insurance Co | 2023-12-31 | 293.9 K | |
| Nbt Bank National Association | 2023-12-31 | 293.7 K | |
| Hsbc Holdings Plc | 2023-12-31 | 269.6 K | |
| Principal Financial Group Inc | 2023-12-31 | 261 K | |
| Eagle Asset Management, Inc. | 2023-12-31 | 238 K | |
| Rhumbline Advisers | 2023-12-31 | 146.2 K | |
| Alliancebernstein L.p. | 2023-12-31 | 139.9 K | |
| Blackrock Inc | 2023-12-31 | 6.7 M | |
| Vanguard Group Inc | 2023-12-31 | 5.6 M |
NBT Bancorp Historical Income Statement
NBT Bancorp Income Statement is one of the three primary financial statements used for reporting NBT's overall financial performance over a current year or for a given accounting period. An Income Statement sometimes referred to as the statement of NBT Bancorp revenue and expense. NBT Bancorp Income Statement primarily focuses on the company's revenues and expenses during a particular period.
At present, NBT Bancorp's Depreciation And Amortization is projected to increase significantly based on the last few years of reporting. The current year's Interest Expense is expected to grow to about 41.6 M, whereas Selling General Administrative is forecasted to decline to about 100.3 M. View More FundamentalsNBT Stock Against Markets
Picking the right benchmark for NBT Bancorp stock is fundamental to making educated investment choices. Many naive investors compare their positions with the S&P 500 or with the Nasdaq. But these benchmarks are not all-inclusive and generally should be used only for large-capitalization equities or stock offerings from large companies. When the price of a selected benchmark declines in a down market, there may be an uptick in NBT Bancorp stock price where buyers come in believing the asset is cheap. The opposite is true when the market is bullish; so, accurately picking the benchmark for NBT Bancorp is critical whether you are bullish or bearish towards NBT Bancorp at a given time. Please also check how NBT Bancorp's historical prices are related to one of the top price index indicators.
Be your own money manager
Our tools can tell you how much better you can do entering a position in NBT Bancorp without increasing your portfolio risk or giving up the expected return. As an individual investor, you need to find a reliable way to track all your investment portfolios. However, your requirements will often be based on how much of the process you decide to do yourself. In addition to allowing all investors analytical transparency into all their portfolios, our tools can evaluate risk-adjusted returns of your individual positions relative to your overall portfolio.Did you try this?
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NBT Bancorp Corporate Directors
NBT Bancorp corporate directors refer to members of a NBT Bancorp board of directors. The board of directors generally takes responsibility for the NBT Bancorp's affairs and long-term direction of the entity. A corporate director does not make decisions for the corporation on his own. As a member of the board of directors, she or he must function as a part of a group that makes decisions on behalf of the business only by the board of directors' meetings. To pass a resolution, a majority of NBT Bancorp's board members must vote for the resolution. The NBT Bancorp board of directors' duties also include the election, removal, and supervision of officers, including the adoption, amendment, and repeal of bylaws.| Paul Solomon | Independent Director | Profile | |
| Patricia Civil | Independent Director | Profile | |
| Timothy Delaney | Independent Director | Profile | |
| Joseph Santangelo | Independent Director | Profile |
How to buy NBT Stock?
Before investing in NBT Bancorp, you must ensure you fully understand your financial goals and how diversified (or not) your overall investments are now. Then, after you clearly understand your investment objectives, consider investing in NBT Bancorp. To buy NBT Bancorp stock, you can follow these steps:- Choose a brokerage firm: You need to select a brokerage firm to buy shares of NBT Bancorp. Some popular options include Charles Schwab, Fidelity, TD Ameritrade, and Robinhood.
- Open an account: Once you have chosen a brokerage firm, you will need to open an account. You will be required to provide personal information, such as your name, address, and Social Security number.
- Fund your account: You will need to deposit funds into your brokerage account to purchase NBT Bancorp stock. You can do this by transferring funds from your bank account or other investment accounts.
- Place your order: Once you have located NBT Bancorp stock in your brokerage account, you can place your order to buy it. You will need to specify the number of shares you want to buy and the price you are willing to pay.
- Monitor your investment: After you have purchased NBT Bancorp stock, you should monitor your investment to track its performance and make informed decisions about buying, selling, or holding the stock
It's important to note that investing in stocks, such as NBT Bancorp, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember various factors, including economic indicators, change in net worth, political events, company-specific news, and investor sentiment, can influence the stock market. These factors can cause fluctuations in stock prices and lead to market volatility affecting your buy or sell decision. However, volatility can also present opportunities for investors to make gains by buying stocks when prices are low and selling when they are high. It's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. For more information on how to buy NBT Stock please use our How to Invest in NBT Bancorp guide.
Already Invested in NBT Bancorp?
The danger of trading NBT Bancorp is mainly related to its market volatility and Company specific events. As an investor, you must understand the concept of risk-adjusted return before you start trading. The most common way to measure the risk of NBT Bancorp is by using the Sharpe ratio. The ratio expresses how much excess return you acquire for the extra volatility you endure for holding a more risker asset than NBT Bancorp. The Sharpe ratio is calculated by using standard deviation and excess return to determine reward per unit of risk. To understand how volatile NBT Bancorp is, you must compare it to a benchmark. Traditionally, the risk-free rate of return is the rate of return on the shortest-dated U.S. Treasury, such as a 3-year bond.
When determining whether NBT Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of NBT Bancorp's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Nbt Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Nbt Bancorp Stock: Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in NBT Bancorp. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in estimate. For information on how to trade NBT Stock refer to our How to Trade NBT Stock guide.You can also try the Fundamental Analysis module to view fundamental data based on most recent published financial statements.
Complementary Tools for NBT Stock analysis
When running NBT Bancorp's price analysis, check to measure NBT Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy NBT Bancorp is operating at the current time. Most of NBT Bancorp's value examination focuses on studying past and present price action to predict the probability of NBT Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move NBT Bancorp's price. Additionally, you may evaluate how the addition of NBT Bancorp to your portfolios can decrease your overall portfolio volatility.
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Is NBT Bancorp's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of NBT Bancorp. If investors know NBT will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about NBT Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.24) | Dividend Share 1.24 | Earnings Share 2.65 | Revenue Per Share 11.013 | Quarterly Revenue Growth 0.013 |
The market value of NBT Bancorp is measured differently than its book value, which is the value of NBT that is recorded on the company's balance sheet. Investors also form their own opinion of NBT Bancorp's value that differs from its market value or its book value, called intrinsic value, which is NBT Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because NBT Bancorp's market value can be influenced by many factors that don't directly affect NBT Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between NBT Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if NBT Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, NBT Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.