Lumida
/NBTB
⌘K
NBT Bancorp Inc

NBT Bancorp Inc

NBTB
$51.73USD+0.21%+0.11 today

MARKET CAP

2.7B

P/E (TTM)

12.7x

FWD P/E

11.5x

DAY RANGE

$51 – $52

52W RANGE

$39
$55

AI Summary

Stalk
Sell NowMedium

NBTB decisively broke below the $51.80 support zone on heavy volume and has since failed to reclaim the 20EMA/50SMA confluence. The retest at the broken support has been rejected, reinforcing a medium-term bearish bias in the Stage 3 decline phase. Short-term execution readiness is bearish as price pulls back into and rejects key EMA resistance, prompting a Sell Now stance at the $51.80–52.00 zone.

  • Net income rose 15% YoY to $53M; EPS $1.02
  • ROA of 1.29% and ROTE of 15.5% highlight operational strength
  • $150M–$175M of unscheduled CRE payoffs pressure loan growth
Full analysis →
STATEMENT·Income statement
USD · GAAP
METRICFY 2021FY 2022FY 2023FY 2024FY 2025TREND
Sales, Adj.$497.7M$539.6M$665.0M$788.5M$906.5M
YoY %+0.6%+8.4%+23.2%+18.6%+15.0%
P / Sales3.4x3.4x2.8x2.9x2.3x
EV / Sales24.7x22.7x20.5x18.2x17.7x
Gross Profit, Adj.$478.9M$517.8M$520.4M$576.9M$697.0M
YoY %+3.7%+8.1%+0.5%+10.9%+20.8%
Margin %96.2%95.9%78.3%73.2%76.9%
EV / Gross Profit25.7x23.7x26.1x24.8x23.0x
EBITDA, Adj.$199.9M$197.1M$163.4M$181.0M$239.0M
YoY %+50.2%-1.4%-17.1%+10.7%+32.0%
Margin %40.2%36.5%24.6%23.0%26.4%
EV / EBITDA61.5x62.1x83.2x79.1x67.1x
EBIT$199.9M$196.2M$153.5M$179.5M$219.4M
YoY %+50.2%-1.9%-21.8%+16.9%+22.3%
Margin %40.2%36.3%23.1%22.8%24.2%
EV / EBIT61.5x62.4x88.6x79.8x73.0x
Net Income$154.9M$152.0M$118.8M$140.6M$169.2M
YoY %+48.4%-1.9%-21.9%+18.4%+20.3%
Net Margin31.1%28.2%17.9%17.8%18.7%
EPS (GAAP)$3.54$3.52$2.65$2.97$3.33
YoY %+49.4%-0.6%-24.7%+12.1%+12.1%