NBT Bancorp, Inc. (NBTB)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$52.27+1.24%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · NBTB
Price, fair value, and the multiples that frame it on the same time axis. Scroll over the price chart to zoom.
Daily closes. Earnings/event dots inline.
A consensus fair price across 13 valuation methods, at three horizons. As of 2026-09-04. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $52 NBTB trades at 1.4× p/b, in line with its 1.2× p/b peer median, and our $54 fair value agrees. It's a high-confidence read. Analysts target $55–$59. Note: our $54 fair value sits below the entire analyst range ($55–$59). Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
Score 100 = cheapest in the cohort, 0 = richest. Bars are filled left-to-right based on the peer-relative score (or PEG/self-history where shown).
Each method's implied share price per horizon. Provisional rows use a projected (historical-CAGR) growth input rather than analyst or management guidance.
| Method | Horizon | Est. price | Multiple | Per-share input | EPS source | Confidence |
|---|---|---|---|---|---|---|
| analyst target | 12M | $56.00 | — | — | Analyst | high |
| dcf fcfe | 12M | $206.83 | — | — | Hist. CAGR | high |
| dcf fcff | 12M | $195.71 | — | — | Hist. CAGR | high |
| ddm gordon | 12M | $23.96 | — | — | TTM | high |
| graham number | 12M |
A “consensus-then vs. actual-now” overlay is on the way — what our valuation estimate said on a past date versus where the price actually landed.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A long-thesis check that carries the widest uncertainty of the three horizons.
Top 25% on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
$55.00 – $59.00 (median $56.00) · 3 analysts · as of 2026-07-30
No fragility gates fired. Regime (Mania) does not concentrate fragility.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Roughly priced in line with peers.
Around its own typical valuation.
Trailing four: 2025-Q2, 2025-Q3, 2026-Q1, 2026-Q2
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
| $58.59 |
| — |
| — |
| TTM |
| high |
| Peer P/B | 12M | $46.38 | 1.2 | 37.40 | TTM | high |
| Peer P/FCF | 12M | $55.13 | 11.7 | 4.72 | TTM | high |
| Peer P/E | 12M | $48.17 | 10.9 | 4.42 | ntm analyst | high |
| Peer P/S | 12M | $44.77 | 3.2 | 14.17 | TTM | high |
| PEG | 12M | $65.47 | 16.0 | 4.08 | TTM | high |
| residual income | 12M | $40.58 | — | — | TTM | high |
| Own P/E history | 12M | $53.57 | 13.1 | 4.08 | TTM | high |
| triangulated | 12M | $49.65 | 11.9 | 4.16 | Triangulated | high |
| Peer P/B | 3Y | $70.54 | 1.2 | 56.88 | Hist. CAGR(prov.) | medium |
| Peer P/FCF | 3Y | $83.85 | 11.7 | 7.19 | Hist. CAGR(prov.) | medium |
| Peer P/E | 3Y | $55.25 | 10.9 | 5.07 | Analyst | medium |
| Peer P/S | 3Y | $54.33 | 3.2 | 17.19 | Analyst | medium |
| PEG | 3Y | $81.38 | 16.0 | 5.07 | Analyst | medium |
| Own P/E history | 3Y | $66.59 | 13.1 | 5.07 | Analyst | medium |
| Peer P/B | 5Y | $93.29 | 1.2 | 75.22 | Hist. CAGR(prov.) | high |
| Peer P/FCF | 5Y | $110.89 | 11.7 | 9.50 | Hist. CAGR(prov.) | high |
| Peer P/E | 5Y | $62.66 | 10.9 | 5.75 | Analyst | high |
| Peer P/S | 5Y | $61.62 | 3.2 | 19.50 | Analyst | high |
| PEG | 5Y | $92.30 | 16.0 | 5.75 | Analyst | high |
| Own P/E history | 5Y | $75.52 | 13.1 | 5.75 | Analyst | high |