AlphaStocks
5.1
Consider Buy

NBT BANCORP INC (NBTB)

Financials / Regional Banks

S&P SmallCap 600

$42.98

Below average on several measures. Research carefully.

Consider Buy

Score based on 4 of 5 models — moderate confidence

#77out of 97 in Financials

Is NBT BANCORP INC a Good Investment in 2026?

NBT BANCORP INC (NBTB) scores 5.1 out of 10 on AlphaStocks' composite model, earning a Consider Buy rating. The Piotroski model rates NBT BANCORP INC as Attractive (6/9). The Graham model is the least favorable, rating it Neutral. NBT BANCORP INC currently trades above its estimated fair value of $39, suggesting limited upside at current prices. NBT BANCORP INC ranks #77 out of 97 stocks in the Financials sector.

This summary is algorithmically generated and is not financial advice.

Key Metrics

P/E12.9ROE9.0Market Cap2BDiv Yield3.4

Estimated Fair Value

$38.7811% above

Trading slightly above estimated fair value.

Model-based estimate, not a price target.

5-Model Analysis

Each model evaluates this stock from a different angle. Combined, they form the composite score above.

Piotroski

Attractive

6/9

Buffett

Neutral

Business quality & competitive moat

Graham

Neutral

5% above fair value

Lynch

Limited Data

PEG 2.8

Greenblatt

Limited Data

Earnings yield + return on capital

Frequently Asked Questions

Is NBT BANCORP INC (NBTB) a good investment?
Based on AlphaStocks' composite analysis, NBT BANCORP INC (NBTB) scores 5.1 out of 10, earning a Consider Buy rating. This score is below average, suggesting caution. Trading slightly above estimated fair value.
What is NBT BANCORP INC's Piotroski F-Score?
NBT BANCORP INC's Piotroski F-Score status is Attractive. The raw score is 6/9. The Piotroski F-Score evaluates financial health using 9 fundamental signals including profitability, leverage, and operating efficiency.
Is NBTB overvalued or undervalued?
Based on AlphaStocks' model-based fair value estimate of $39, NBTB appears overvalued. The stock currently trades 11% above its estimated fair value. Trading slightly above estimated fair value.
How does NBTB compare to other Financials stocks?
NBT BANCORP INC ranks #77 out of 97 stocks in the Financials sector, placing it in the top 79% of its sector by composite score. There are higher-ranked alternatives in this sector worth exploring.
What do investment models say about NBTB?
AlphaStocks evaluates NBTB using five proven investment models. Piotroski: Attractive; Buffett: Neutral; Graham: Neutral. These models are combined into a single composite score of 5.1/10.

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Scores are algorithm-generated research tools, not investment recommendations. Past performance does not guarantee future results. Always do your own due diligence. Full disclaimer