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NBTB
Volume: 33.6K
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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 strong financial performance, highlighted by a net interest margin (NIM) expansion to 3.59%, which exceeded expectations and reflects a solid increase in average earning asset yields and total loan yields. The company anticipates additional NIM improvement through gradual increases in new loan yields and fixed asset repricing, indicating a positive outlook for future earnings. Moreover, a raised earnings per share (EPS) forecast, driven by a favorable NIM trajectory, positions NBT Bancorp for sustained growth amidst modest expectations for loan growth in 2025.

Bears say

NBT Bancorp's stock faces a negative outlook primarily due to a decline in organic loans, which fell by 1% quarter-over-quarter, significantly missing consensus expectations of 3.2% growth. Additionally, potential risks highlighted include an economic slowdown that could lead to higher credit costs within the bank's loan portfolio, as well as execution and pricing risks related to mergers and acquisitions that may negatively impact overall performance. Lastly, regional economic growth from initiatives like the CHIPS Act may not provide the expected tailwinds, further complicating the bank's ability to improve its 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 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 $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: 33.6K

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