
NBT Bancorp (NBTB) Stock Forecast & Price Target
NBT Bancorp (NBTB) Analyst Ratings
Bulls say
NBT Bancorp has demonstrated impressive net interest margin (NIM) expansion, achieving a NIM of 3.59%, which surpassed analyst expectations and was driven by increases in asset yields and total loan yields. The company anticipates continued gradual NIM improvement, supported by favorable commercial origination yields of 6.79% and the potential for additional benefits from recent acquisitions. Furthermore, the upward trajectory of earnings per share (EPS) reflects the positive impact of enhanced NIM, overshadowing any anticipated modest loan growth in 2025.
Bears say
NBT Bancorp's recent financial performance indicates challenges, particularly with a decline in organic loans, which fell by 1% quarter-over-quarter and missed consensus expectations of 3.2%. The company faces potential risks linked to an economic slowdown that could increase credit costs, along with execution and pricing risks associated with mergers and acquisitions. Additionally, anticipated regional economic benefits from initiatives such as the CHIPS Act may not translate into the expected growth, further straining the company's outlook.
This aggregate rating is based on analysts' research of NBT Bancorp and is not a guaranteed prediction by Public.com or investment advice.
NBT Bancorp (NBTB) Analyst Forecast & Price Prediction
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