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NBTB
Volume: 323.99K
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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 demonstrated a notable expansion in net interest margin (NIM), achieving a NIM of 3.59% which exceeded both consensus estimates and prior expectations due to higher average earning asset (AEA) yields and total loan yields. The company's focus on improving new loan yields, which reached 6.79% for commercial origination, suggests a robust trajectory for further NIM growth on a quarterly basis. Additionally, the upward revision of earnings per share (EPS) forecasts, driven by a favorable NIM outlook, underlines a positive financial trajectory despite modest loan growth expectations for 2025.

Bears say

NBT Bancorp has reported a decline in organic loans of -1% quarter-over-quarter (Q/Q annualized), significantly missing consensus expectations of +3.2% and Davidson's forecast of +2.9%, indicating challenges in loan growth primarily due to higher payoffs in commercial real estate and reductions in residential real estate. Additionally, potential risks such as an economic slowdown could lead to increased credit costs within the loan portfolio, alongside execution and pricing risks in mergers and acquisitions that may adversely impact performance. Coupled with the regional economic factors failing to translate into improved growth, these elements contribute to a negative outlook on the company's stock.

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 16, 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: 323.99K

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