NBT Bancorp Inc. (NASDAQ:NBTB) Given Average Recommendation of “Moderate Buy” by Brokerages

Shares of NBT Bancorp Inc. (NASDAQ:NBTB) have received an average rating of “Moderate Buy” from the six ratings firms that are covering the stock, MarketBeat reports. Three analysts have rated the stock with a hold recommendation, two have assigned a buy recommendation and one has given a strong buy recommendation to the company. The average 1-year target price among analysts that have updated their coverage on the stock in the last year is $51.25.

Several analysts recently weighed in on NBTB shares. DA Davidson downgraded NBT Bancorp from a “strong-buy” rating to a “hold” rating in a report on Monday, October 20th. Piper Sandler set a $47.00 price target on shares of NBT Bancorp and gave the company an “overweight” rating in a report on Tuesday, October 14th. Janney Montgomery Scott upgraded shares of NBT Bancorp to a “strong-buy” rating in a research note on Wednesday, October 22nd. Finally, Weiss Ratings reissued a “hold (c)” rating on shares of NBT Bancorp in a report on Monday, December 29th.

NBT Bancorp Stock Performance

NBT Bancorp stock opened at $43.42 on Friday. The company has a debt-to-equity ratio of 0.10, a quick ratio of 0.88 and a current ratio of 0.88. The company has a market capitalization of $2.27 billion, a PE ratio of 13.16 and a beta of 0.50. The company has a 50 day moving average price of $42.72 and a 200-day moving average price of $42.30. NBT Bancorp has a fifty-two week low of $37.31 and a fifty-two week high of $49.18.

NBT Bancorp (NASDAQ:NBTB) last released its quarterly earnings data on Monday, January 26th. The bank reported $1.05 EPS for the quarter, topping the consensus estimate of $0.99 by $0.06. NBT Bancorp had a return on equity of 11.11% and a net margin of 18.67%.The company had revenue of $185.14 million for the quarter, compared to the consensus estimate of $183.63 million. As a group, equities analysts forecast that NBT Bancorp will post 3.69 earnings per share for the current year.

NBT Bancorp Announces Dividend

The company also recently announced a quarterly dividend, which will be paid on Monday, March 16th. Shareholders of record on Monday, March 2nd will be issued a $0.37 dividend. The ex-dividend date is Monday, March 2nd. This represents a $1.48 dividend on an annualized basis and a yield of 3.4%. NBT Bancorp’s payout ratio is currently 49.33%.

Insider Activity

In other news, Director Timothy E. Delaney bought 10,000 shares of the stock in a transaction on Thursday, November 6th. The stock was bought at an average cost of $40.98 per share, for a total transaction of $409,800.00. Following the completion of the purchase, the director directly owned 51,885 shares in the company, valued at approximately $2,126,247.30. The trade was a 23.87% increase in their ownership of the stock. The acquisition was disclosed in a filing with the Securities & Exchange Commission, which can be accessed through this link. 3.03% of the stock is currently owned by insiders.

Institutional Inflows and Outflows

Institutional investors and hedge funds have recently added to or reduced their stakes in the business. EverSource Wealth Advisors LLC raised its stake in NBT Bancorp by 1,645.9% in the second quarter. EverSource Wealth Advisors LLC now owns 646 shares of the bank’s stock valued at $27,000 after buying an additional 609 shares during the last quarter. Hantz Financial Services Inc. acquired a new position in shares of NBT Bancorp during the second quarter valued at about $33,000. Larson Financial Group LLC raised its position in shares of NBT Bancorp by 13,316.7% in the 3rd quarter. Larson Financial Group LLC now owns 805 shares of the bank’s stock valued at $34,000 after purchasing an additional 799 shares during the last quarter. Flagship Wealth Advisors LLC acquired a new stake in NBT Bancorp in the 3rd quarter worth approximately $42,000. Finally, Allworth Financial LP acquired a new stake in NBT Bancorp in the 3rd quarter worth approximately $46,000. 58.46% of the stock is currently owned by hedge funds and other institutional investors.

More NBT Bancorp News

Here are the key news stories impacting NBT Bancorp this week:

• Positive Sentiment: Q4 / FY2025 results beat expectations — Q4 net income rose to $55.5M (diluted EPS ~$1.05 operating), and full‑year net income was $169.2M; revenue and operating EPS topped consensus, supporting near‑term earnings outlook. NBTB Q4 2025 Earnings Call Highlights
• Positive Sentiment: Evans Bancorp acquisition meaningfully expanded scale — closed May 2025 adding ~$1.67B loans and ~$1.86B deposits, 18 branches and ~200 employees, driving loan/deposit growth and higher tangible book value. This supports regional franchise growth and cross‑sell opportunities. Seeking Alpha: Margin Stability & Evans Merger
• Positive Sentiment: Dividend hike and yield — Board approved a $0.37 quarterly dividend (8.8% increase, ~3.4% yield), thirteenth consecutive annual raise — supportive for income investors. VermontBiz: NBT Reports Full Year 2025 Results and Declares Cash Dividend
• Positive Sentiment: Capital actions — management repurchased 250k shares in Q4 and left up to 1.75M shares available under a refreshed repurchase plan; CET1 and tangible book improved, supporting capital returns optionality. QuiverQuant: Strong Q4 & Evans Acquisition
• Neutral Sentiment: NIM and net interest income — net interest income increased YoY and NIM is materially higher than a year ago, but NIM was essentially flat QoQ (down ~1 bp) as Fed cuts compressed earning yields faster than funding costs. Watch margin sensitivity to future rates. NBTB Q4 2025 Earnings Call Highlights
• Neutral Sentiment: Management changes announced alongside results — succession planning noted; investors should monitor messaging for strategic continuity. TipRanks: Executive Succession
• Negative Sentiment: Acquisition & integration costs, dilution and elevated provisions — Evans purchase required issuing ~5.1M shares at close (dilution), included acquisition‑day loan allowances and a one‑time acquisition provision; noninterest expense rose (integration and amortization), and provisions/net charge‑offs ticked up modestly. These weigh on near‑term profitability metrics and drove some investor caution. Zacks: NBT Reports Q4 Earnings — Key Metrics
• Negative Sentiment: Noninterest income variability — some fee lines and insurance revenues were seasonally lower QoQ; any sustained weakness in noninterest income could pressure revenue diversification. MSN: Q4 Deep Dive

About NBT Bancorp

NBT Bancorp, Inc (NASDAQ: NBTB) is the bank holding company for NBT Bank, N.A., a full-service commercial bank that serves both individual and corporate clients across the Northeastern United States. Through its branch network and digital channels, the company offers a comprehensive range of commercial banking services, including business lending, treasury management, cash management and specialized industry financing. Its consumer banking platform provides checking and savings accounts, certificates of deposit, home mortgages, home equity lines of credit and other lending solutions tailored to meet personal and household financial needs.

In addition to traditional banking, NBT Bancorp delivers wealth management and fiduciary services through its trust division, offering investment advisory, trust administration, retirement planning and estate settlement.