NBTB (NBT Bancorp) Cash per Share: $5.67 (As of Jun. 2026)

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NBTB NBT Bancorp Inc NBTB
70 GF Score
Price $51.16
GF Value $47.49
Valuation Fairly Valued
! 3 Warning Signs
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What is NBT Bancorp Cash per Share?

NBT Bancorp NBTB -0.64% 70 Cash per Share is $5.67 as of Jun. 2026. GuruFocus rates NBTB with a GF Score™ of 70/100 and a GF Value™ of $47.49 (Fairly Valued). The stock has 3 warning signs investors should review.

Cash per Share is calculated as Balance Sheet Cash And Cash Equivalents divided by Shares Outstanding (EOP). NBT Bancorp's Cash per Share for the quarter that ended in Jun. 2026 was $5.67.

NBT Bancorp  (NAS:NBTB) Cash per Share Explanation

Cash per Share represents the liquidity of a compant's assets. A high level of Cash per Share suggests that there's enough money on hand for a company to cover any emergencies and that the company has adequate money to reinvest its business or pay dividends to investors. However, if the ratio is too high, it can also suggeust the inefficiency of management for not making a full usage of the cash.

NBT Bancorp Cash per Share Related Terms

NBT Bancorp Cash per Share Historical Data

* Premium members only.

The historical data trend for NBT Bancorp's Cash per Share 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 Cash per Share Chart

NBT Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cash per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 29.40 4.61 4.36 6.02 9.33

NBT Bancorp Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cash per Share 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 10.34 12.21 9.33 13.77 5.67
NBTB
70GF Score
NBT Bancorp Inc NBTB
Cash per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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NBT Bancorp Cash per Share Calculation

This is the ratio of a company's available cash, including easy to liquidate short-term investment, to its total number of shares outstanding. The result indicates the percentage of a company's share price that is available to spend on company's activities, such as strengthening the business, paying down the debt and making dividend payment to shareholders. It's a reliable indicator of a company's financial health.

NBT Bancorp's Cash per Share for the fiscal year that ended in Dec. 2025 is calculated as:

Cash per Share= Balance Sheet Cash And Cash Equivalents /Shares Outstanding (EOP)
=487.116/52.2
=9.33

NBT Bancorp's Cash per Share for the quarter that ended in Jun. 2026 is calculated as:

Cash per Share= Balance Sheet Cash And Cash Equivalents /Shares Outstanding (EOP)
=294.653/52.0
=5.67

* 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.

Frequently Asked Questions Learn more about Cash per Share →
What does a Cash per Share of $5.67 mean?
NBT Bancorp (NBTB) has a Cash per Share of $5.67 as of Jun. 2026. Cash per share is the per-share value of a company's available cash. View historical data for NBT Bancorp and its competitors.
Is NBT Bancorp's Cash per Share too high?
NBT Bancorp's current Cash per Share is $5.67. Overall, NBT Bancorp has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does NBT Bancorp's Cash per Share compare to TBBK and WAFD?
NBT Bancorp's Cash per Share of $5.67 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 Cash per Share for a Banks company?
A good Cash per Share depends on the Banks industry context. However, Cash per Share 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 Cash per Share mean?
A high Cash per Share can signal that a stock is expensive relative to its fundamentals. Cash per share is the per-share value of a company's available cash. View historical data for NBT Bancorp and its competitors. NBT Bancorp's current Cash per Share is $5.67. 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 Fairly Valued. The stock's GF Value™ is $47.49, compared to a current price of $51.16 — trading 7.7% above its estimated fair value. The current Cash per Share is $5.67. NBT Bancorp's overall GF Score™ is 70/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash per Share calculated?
Cash per Share is calculated from a company's financial statements. For NBT Bancorp (NBTB), the current Cash per Share is $5.67 as of Jun. 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 $51.16 is trading 7.7% above its estimated GF Value™ of $47.49. GuruFocus considers NBT Bancorp to be Fairly Valued.

Key valuation signals for NBTB:

  • Cash per Share: $5.67
  • GF Value™: $47.49 vs. price of $51.16 (7.7% above fair value)
  • GF Score™: 70/100 with 3 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.
70GF Score

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

$51.16
Price
$47.49
GF Value