NBT Bancorp Inc. Common Stock (NBTB)

FairStock Score: 64/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a Graham-and-Buffett-style investor, I start with what I know: NBT Bancorp is a $2.6bn regional bank serving deposits, loans, and wealth clients. The filed figures show steady progress. In FY2023, revenue was $144.7M and net income $118.8M; by FY2025, revenue reached $183.0M and net income $169.2M, with diluted EPS rising from $2.65 to $3.33. More recently, in fiscal Q2 2026, the quarter ended 2026-06-30, net income was $53.0M and diluted EPS $1.02, compared with $22.5M and $0.44 in fiscal Q2 2025—though that earlier quarter looks unusually weak. FairStock calculates ROE of 11.42%, P/B of 1.34, and P/E of 12.27 at the 2026-10-13 close, with a 3.19% dividend yield and a low beta of 0.49. A Piotroski F-Score of 6/9 is decent, not pristine. The 64/100 FairStock score and Stalwart classification—about 10.1% annual profit growth and 5.4% revenue growth over five years—fit a solid but not exceptional regional bank. The P/B above 1 suggests the market already credits some franchise value. I cannot assess CET1, net interest margin, or combined ratio because they are not in the data. Nor do I have loan-loss reserves or charge-off trends. Without those, I would treat the bank as financially plausible but not fully verifiable. The price looks fair-to-modestly-attractive against earnings, but not a screaming bargain.

In plain English: NBT Bancorp is a regional bank that takes deposits, makes loans, and provides wealth management. The business has been profitable, and profits have grown over the past few years, so the stock looks reasonably priced compared with what the company earns. The biggest unknowns are loan quality and capital strength, which are not shown in this data.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer