NBTB - NBT Bancorp Inc. Stock Analysis & Valuation

NBT Bancorp Inc. (NBTB) trades at $52.19 with an EquitAI Valuation DNA score of 4/10 and Quality score of 5/10. The company's trailing P/E ratio is 12.5x. These scores evaluate balance sheet leverage, free cash flow generation, and fundamental multiples against historical benchmarks.

Wall Street analysts have a consensus 12-month price target of $57.7 for NBT Bancorp Inc. (NBTB), representing an implied 10.5% upside from its current trading level of $52.19 with an average rating of Hold based on 1 analyst rating. Because this forecast is provided by a single analyst, it represents limited coverage and may reflect historical or isolated expectations rather than a broad consensus. EquitAI benchmarks analyst consensus projections against intrinsic Financial DNA valuation pillars.

NBT Bancorp Inc. has an indicated annual dividend yield of 3.66%. Dividend stability is factored into its Income DNA pillar alongside free cash flow coverage.

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