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NBTB
Volume: 310.02K
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NBT Bancorp (NBTB) Stock Forecast & Price Target

NBT Bancorp (NBTB) Analyst Ratings

Based on 3 analyst ratings
Buy
Strong Buy 33%
Buy 0%
Hold 67%
Sell 0%
Strong Sell 0%

Bulls say

NBT Bancorp Inc. has demonstrated a strong financial performance, highlighted by a net interest margin (NIM) of 3.59%, which exceeded analyst expectations and reflected a quarter-over-quarter increase of 15 basis points. This expansion in NIM was fueled by rising average earning asset yields and total loan yields, indicating effective management of interest income relative to funding costs. Furthermore, the company anticipates ongoing incremental gains in NIM, supported by current loan origination yields and the expected impact of new acquisitions, contributing positively to earnings per share projections.

Bears say

The analysis reveals that NBT Bancorp's organic loan growth has declined by 1% on a quarter-over-quarter annualized basis, significantly missing consensus expectations of 3.2% and Davidson's estimate of 2.9%, indicating faltering demand in key areas such as residential real estate and commercial real estate. Additionally, potential risks such as an economic slowdown could lead to increased credit costs, while execution and pricing dangers in mergers and acquisitions may further weaken financial performance. Furthermore, the regional economic benefits anticipated from initiatives like the CHIPS Act have not materialized, raising concerns about sustained growth in NBT Bancorp's operational market.

NBT Bancorp (NBTB) has been analyzed by 3 analysts, with a consensus rating of Buy. 33% of analysts recommend a Strong Buy, 0% recommend Buy, 67% 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 3 analysts, NBT Bancorp (NBTB) has a Buy consensus rating as of Nov 5, 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 $52.33, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $52.33, 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: 310.02K

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