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NBTB
Volume: 178.4K

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's financial outlook appears positive due to a notable expansion in its Net Interest Margin (NIM), which reached 3.59%, exceeding consensus estimates, primarily driven by higher yields on average earning assets and total loan yields. The company is also expected to experience additional NIM accretion, potentially benefiting from improved new loan yields and fixed asset repricing, indicating sustained future growth. Furthermore, earnings per share (EPS) expectations have been raised, reflecting a favorable trajectory in net interest income despite the anticipated modest loan growth in 2025.

Bears say

NBT Bancorp Inc. is facing a negative outlook primarily due to a decline in organic loans, which fell by 1% quarter-over-quarter, significantly missing consensus forecasts of 3.2% growth and Davidson's estimate of 2.9%. Furthermore, the company is exposed to potential risks associated with an economic slowdown that could lead to increased credit costs in its loan portfolio, along with execution and pricing risks related to mergers and acquisitions. Despite some regional support from the CHIPS Act, there are concerns that it may not lead to the anticipated improvements in economic growth, which further complicates the company's outlook.

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 24, 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: 178.4K

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