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NBTB
Volume: 166.47K

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 Inc. has demonstrated a notable expansion in net interest margin (NIM), reported at 3.59%, which exceeded both consensus estimates and internal expectations, driven by higher asset earning yields and expanding total loan yields. The company's strong performance in the Banking segment, along with projected continued gradual NIM improvement, is supported by new commercial origination yields at 6.79% and forthcoming benefits from asset repricing. Furthermore, NBT Bancorp has adjusted its earnings per share (EPS) forecast positively in light of this improved NIM trajectory, offsetting anticipated modest loan growth in 2025.

Bears say

NBT Bancorp has reported an organic loan decline of -1% on a quarter-over-quarter basis, significantly underperforming consensus expectations of +3.2% and +2.9% from Davidson. This decline in loan growth, particularly in the residential real estate and commercial real estate sectors, raises concerns about the company's ability to generate future revenues amidst an economic slowdown, which could lead to higher credit costs. Additionally, the potential execution and pricing risks associated with mergers and acquisitions further exacerbate the uncertainty surrounding the company's performance.

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 12, 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)

Volume: 166.47K

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