NBTB
Nbt Bancorp
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NASDAQ: NBTB
- PE Ratio
The current PE ratio for Nbt Bancorp stock as of Jun 22, 2026 is 13.36. This is calculated based on the current EPS of $3.54 and the stock price of $47.29 per share. The current price-to-earnings ratio is nearly the same as the last four quarters average.
NBTB PE ratio history
The average historical PE ratio of Nbt Bancorp for the last ten years is 14.29. The current PE ratio of 13.36 is 7% below the historical average. Over the past ten years, NBTB's PE ratio was at its highest in the Dec 2016 quarter at 23.14, when the stock price was $41.88 and the EPS was $1.81. The lowest value was in the Jun 2023 quarter, when it reached 9.86 with a price of $31.85 and an EPS of $3.23.
Nbt Bancorp PE ratio by year
Maximum annual increase: 44.44% in 2016
Maximum annual decrease: -31.12% in 2018
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 12.43 | -22.46% | $41.52 | $3.34 |
| 2024 | 16.03 | 2.1% | $47.76 | $2.98 |
| 2023 | 15.7 | 27.95% | $41.91 | $2.67 |
| 2022 | 12.27 | 13.72% | $43.42 | $3.54 |
| 2021 | 10.79 | -19.66% | $38.52 | $3.57 |
| 2020 | 13.43 | -8.64% | $32.1 | $2.39 |
| 2019 | 14.7 | 9.62% | $40.56 | $2.76 |
| 2018 | 13.41 | -31.12% | $34.59 | $2.58 |
| 2017 | 19.47 | -15.86% | $36.8 | $1.89 |
| 2016 | 23.14 | 44.44% | $41.88 | $1.81 |
| 2015 | 16.02 | 4.3% | $27.88 | $1.74 |
| 2014 | 15.36 | -12.83% | $26.27 | $1.71 |
| 2013 | 17.62 | 41.64% | $25.9 | $1.47 |
| 2012 | 12.44 | -3.34% | $20.27 | $1.63 |
| 2011 | 12.87 | -11% | $22.13 | $1.72 |
Nbt Bancorp PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 12.03 | -3.22% | $42.58 | $3.54 |
| Dec 2025 | 12.43 | -9.8% | $41.52 | $3.34 |
| Sep 2025 | 13.78 | -7.14% | $41.76 | $3.03 |
| Jun 2025 | 14.84 | 5.17% | $41.55 | $2.8 |
| Mar 2025 | 14.11 | -11.98% | $42.9 | $3.04 |
| Dec 2024 | 16.03 | 4.02% | $47.76 | $2.98 |
| Sep 2024 | 15.41 | 3.77% | $44.23 | $2.87 |
| Jun 2024 | 14.85 | 5.69% | $38.6 | $2.6 |
| Mar 2024 | 14.05 | -10.51% | $36.68 | $2.61 |
| Dec 2023 | 15.7 | 41.7% | $41.91 | $2.67 |
| Sep 2023 | 11.08 | 12.37% | $31.69 | $2.86 |
| Jun 2023 | 9.86 | -0.3% | $31.85 | $3.23 |
| Mar 2023 | 9.89 | -19.4% | $33.71 | $3.41 |
| Dec 2022 | 12.27 | 15.1% | $43.42 | $3.54 |
| Sep 2022 | 10.66 | -0.47% | $37.95 | $3.56 |
NBTB Price vs fair value
NBTB average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
Currently, NBTB's PE ratio is greater than its 5-year historical average, but it is below the 3 and 10-year averages.
PE comparison
Nbt Bancorp's P/E of 13.36 is above the Financial Services sector, the industry and its peers average. But compared to its Financial Services sector average of 12.78, Nbt Bancorp's P/E is only 4.5% higher.
NBTB PE vs peers
Compared to its peers KEY and CBU, NBTB's PE ratio stands lower, however it is higher than TMP's and FISI's. Nbt Bancorp's PE ratio is trading above the peer group average of 11.89.
| Stock name | PE ratio | Market cap |
|---|---|---|
| TMP Tompkins Financial Corp | 7.82 | $1.32B |
| FISI Financial Institutions Inc | 9.92 | $755.96M |
| AROW Arrow Financial Corp | 12.93 | $660.33M |
| NBTB Nbt Bancorp Inc | 13.59 | $2.5B |
| KEY Keycorp | 14.04 | $24.96B |
| CBU Community Bank System Inc | 15.67 | $3.39B |
Frequently asked questions
What is Nbt Bancorp's PE ratio?
The price to earnings ratio for NBTB stock is 13.36 as of Jun 22, 2026.
What is the 3-year average PE ratio for Nbt Bancorp (NBTB)?
The 3-year average PE ratio for NBTB stock is 13.68.
What is the 5-year average PE ratio for Nbt Bancorp (NBTB)?
The 5-year average PE ratio for NBTB stock is 12.48.
What is the highest PE ratio for NBTB?
The highest quarterly PE ratio in the last ten years has been 23.14 and it was in the Dec 2016 quarter.
How does the current PE ratio for NBTB compare to its historical average?
The current price to earnings ratio of NBTB is 7% lower than the 10-year historical average.
How is NBTB's PE ratio calculated (Nbt Bancorp PE ratio formula)?
You can calculate the PE ratio by dividing the most recent stock price by the trailing twelve months EPS. As of today (Jun 22, 2026), Nbt Bancorp's stock price is $47.29. The earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $3.54. Therefore, Nbt Bancorp's P/E ratio for today is 13.36. PE RATIO(13.36) = STOCK PRICE($47.29) / TTM EPS($3.54)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.