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NBTB
Volume: 158.81K

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 demonstrated strong financial performance, highlighted by a net interest margin (NIM) of 3.59%, which exceeded market expectations and increased by 15 basis points quarter-over-quarter. This improvement was driven by higher average earning asset yields and total loan yields, which saw increases of 17 basis points and 15 basis points, respectively, while costs of funds and deposit costs rose at a slower rate. Additionally, expectations for further gradual NIM expansion and improved earnings per share (EPS) projections indicate a positive growth trajectory for the company amid modest loan growth outlooks.

Bears say

NBT Bancorp's organic loans experienced a decline of 1% quarter-over-quarter on an annualized basis, significantly missing consensus growth expectations of 3.2% and 2.9% from Davidson, primarily due to decreases in residential real estate and commercial real estate segments. Furthermore, potential risks associated with an economic slowdown could lead to increased credit costs within its loan portfolio, along with execution and pricing risks in mergers and acquisitions that may adversely impact future performance. Lastly, despite regional incentives like the CHIPS Act, the anticipated economic growth benefits have not materialized, contributing to a negative outlook for 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 Jan 10, 2026. 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)

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