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NBTB
Volume: 334.66K
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NBT Bancorp (NBTB) Stock Forecast & Price Target

NBT Bancorp (NBTB) Analyst Ratings

Based on 2 analyst ratings
Buy
Strong Buy 50%
Buy 0%
Hold 50%
Sell 0%
Strong Sell 0%

Bulls say

NBT Bancorp has demonstrated an impressive net interest margin (NIM) expansion of 3.59%, exceeding both consensus and analyst expectations, primarily driven by increased average earning asset yields and total loan yields. The company's ability to achieve this growth, despite slight increases in funding costs, suggests a robust financial position and operational efficiency. Additionally, projections indicate continued gradual NIM improvement through enhanced loan origination yields and fixed asset repricing, supporting an optimistic outlook for earnings per share (EPS) driven by net interest income (NII).

Bears say

NBT Bancorp's outlook is negatively impacted by a decline in organic loans, which contracted by 1% quarter-over-quarter and fell short of market expectations, highlighting a weakness in growth across key lending categories such as residential real estate and commercial real estate. Furthermore, potential risks from an economic slowdown could increase credit costs within its loan portfolio and lead to execution and pricing challenges in mergers and acquisitions. Additionally, anticipated regional economic benefits from initiatives like the CHIPS Act have yet to significantly improve growth prospects, adding further concern to the company's financial stability.

NBT Bancorp (NBTB) has been analyzed by 2 analysts, with a consensus rating of Buy. 50% of analysts recommend a Strong Buy, 0% recommend Buy, 50% suggest Holding, 0% advise Selling, and 0% predict a Strong Sell.

This aggregate rating is based on analysts' research of NBT Bancorp and is not a guaranteed prediction by Public.com or investment advice.

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FAQs About NBT Bancorp (NBTB) Forecast

Analysts have given NBT Bancorp (NBTB) a Buy based on their latest research and market trends.

According to 2 analysts, NBT Bancorp (NBTB) has a Buy consensus rating as of Dec 15, 2025. This rating is provided by third-party analysts and is not investment advice from Public.com.

Wall Street analysts have set a price target of $51, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $51, indicating a 0.00% increase from the current stock price, but ratings and forecasts are frequently updated based on market conditions, earnings reports, and industry trends. This prediction is provided by third-party analysts and is not investment advice from Public.com.

NBT Bancorp (NBTB)

Volume: 334.66K

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