Snapshot · Russell 3000 · generated 2026-10-17 22:04 UTC

NBTB — NBT Bancorp Inc.

FAIR (MOS +18.0%) · Quality 69/100

NBTB - NBT Bancorp Inc.
Data generated 2026-10-17 22:04 UTC (nightly scan, universe: Russell 3000).
Price: 50.85 USD
Intrinsic value: 61.99 USD
Margin of safety: +18.0%
Implied growth (reverse DCF): +0.8% (model assumes +10.7%)
Valuation: FAIR
Value Score: 36.8
Quality: 69/100
Moat score: 11.3 (erosion: none)
FAIR (MOS +18.0%) - Quality 69/100
Source: StocksDeepDive - https://stocksdeepdive.com/s/NBTB
Factual information and general commentary only. StocksDeepDive publishes data, model outputs and described calculations from stated inputs. Nothing on this site takes your personal objectives, financial situation or needs into account, and nothing here is financial product advice or a recommendation to buy, hold or sell any security. Model outputs depend entirely on their stated inputs and assumptions. Consider seeking advice from a licensed adviser before acting. Data via Yahoo Finance, Google Trends, StockTwits and NewsAPI; figures may be delayed or revised.

Price

50.85

Intrinsic value

61.99

Margin of safety

+18.0%

Implied growth (reverse DCF)

+0.8%

model assumes +10.7%

Value Score

36.8

Quality

Psychology

Discovery

8.3

price/volume attention only

Moat score

11.3

erosion: none

Value Score: top 32% of Russell 3000 · Quality: top 18%

Dividend: 1.51/share (TTM) · yield 3.0% · payout 37%

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Common questions

Is NBTB undervalued?

As of 2026-10-17, NBTB trades at 50.85 against a computed intrinsic value of 61.99 (+18.0% margin of safety) - StocksDeepDive's valuation label for this is FAIR. This is a described calculation from public data, not a recommendation.

What is NBT Bancorp Inc.'s Value Score?

NBT Bancorp Inc.'s Value Score is 36.8 as of 2026-10-17 - it combines value, quality, crowd psychology and market attention into one number.

Does NBTB pay a dividend?

Yes - NBTB's trailing twelve-month dividend is 1.51/share, a yield of 3.0% at the current price (as of 2026-10-17).