NBTB (NBT Bancorp) Beginning Cash Position: $487.1 Mil (As of Mar. 2026)

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NBTB NBT Bancorp Inc NBTB
67 GF Score
Price $54.20
GF Value $46.62
Valuation Modestly Overvalued
! 5 Warning Signs
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What is NBT Bancorp Beginning Cash Position?

NBT Bancorp NBTB +2.44% 67 Beginning Cash Position is $487.1 Mil as of Mar. 2026. GuruFocus rates NBTB with a GF Score™ of 67/100 and a GF Value™ of $46.62 (Modestly Overvalued). The stock has 5 warning signs investors should review.

NBT Bancorp's Beginning Cash Position for the quarter that ended in Mar. 2026 was $487.1 Mil.

NBT Bancorp's quarterly Beginning Cash Position increased from Sep. 2025 ($541.6 Mil) to Dec. 2025 ($640.2 Mil) but then declined from Dec. 2025 ($640.2 Mil) to Mar. 2026 ($487.1 Mil).

NBT Bancorp's annual Beginning Cash Position increased from Dec. 2023 ($197.4 Mil) to Dec. 2024 ($205.2 Mil) and increased from Dec. 2024 ($205.2 Mil) to Dec. 2025 ($284.1 Mil).

NBT Bancorp Beginning Cash Position Related Terms

NBT Bancorp Beginning Cash Position Historical Data

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The historical data trend for NBT Bancorp's Beginning Cash Position can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

NBT Bancorp Beginning Cash Position Chart

NBT Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Beginning Cash Position
Get a 7-Day Free Trial Premium Member Only Premium Member Only 672.68 1,269.07 197.35 205.19 284.06

NBT Bancorp Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Beginning Cash Position Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 254.08 541.56 640.24 487.12 0.00
NBTB
67GF Score
NBT Bancorp Inc NBTB
Beginning Cash Position is just one metric. See GF Score™, valuation, warning signs, and more.
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NBT Bancorp Beginning Cash Position Calculation

Beginning Cash Position is the cash and equivalents balance at the beginning of the accounting period, as indicated on the Cash Flow statement.

What does a Beginning Cash Position of $487.1 Mil mean?
NBT Bancorp (NBTB) has a Beginning Cash Position of $487.1 Mil as of Mar. 2026. Beginning Cash Position is the cash and equivalents balance at the beginning of the accounting period, as indicated on the Cash Flow statement. View historical data on NBT Bancorp and its competitors.
Is NBT Bancorp's Beginning Cash Position too high?
NBT Bancorp's current Beginning Cash Position is $487.1 Mil. Overall, NBT Bancorp has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NBT Bancorp's Beginning Cash Position compare to FRME and TRMK?
NBT Bancorp's Beginning Cash Position of $487.1 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Beginning Cash Position for a Banks company?
A good Beginning Cash Position depends on the Banks industry context. However, Beginning Cash Position should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Beginning Cash Position mean?
A high Beginning Cash Position can signal that a stock is expensive relative to its fundamentals. Beginning Cash Position is the cash and equivalents balance at the beginning of the accounting period, as indicated on the Cash Flow statement. View historical data on NBT Bancorp and its competitors. NBT Bancorp's current Beginning Cash Position is $487.1 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NBT Bancorp stock overvalued right now?
Based on GuruFocus' analysis, NBT Bancorp (NBTB) is currently considered Modestly Overvalued. The stock's GF Value™ is $46.62, compared to a current price of $54.20 — trading 16.3% above its estimated fair value. The current Beginning Cash Position is $487.1 Mil. NBT Bancorp's overall GF Score™ is 67/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Beginning Cash Position calculated?
Beginning Cash Position is calculated from a company's financial statements. For NBT Bancorp (NBTB), the current Beginning Cash Position is $487.1 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is NBT Bancorp (NBTB) Overvalued in 2026?

Based on GuruFocus' analysis, NBT Bancorp stock appears to be overvalued. The current stock price of $54.20 is trading 16.3% above its estimated GF Value™ of $46.62. GuruFocus considers NBT Bancorp to be Modestly Overvalued.

Key valuation signals for NBTB:

  • Beginning Cash Position: $487.1 Mil
  • GF Value™: $46.62 vs. price of $54.20 (16.3% above fair value)
  • GF Score™: 67/100 with 5 warning signs

No single metric tells the full story. See the NBTB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

NBT Bancorp Business Description

Address 52 South Broad Street, Norwich, NY, USA, 13815
NBT Bancorp Inc is a financial holding company that operates through its subsidiaries. The company's principal sources of revenue include management fees and dividends it receives through its subsidiaries. Its business, predominantly conducted through NBT Bank, consists of providing commercial banking, retail banking, and wealth management services to customers in its market area, which includes upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. The company's reportable segments are Banking and Retirement Plan Administration. A majority of its revenue is generated from the Banking segment.
67GF Score

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Beginning Cash Position is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$54.20
Price
$46.62
GF Value