NBTB (NBT Bancorp) Issuance of Debt: $233.7 Mil (TTM As of Jun. 2026)

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NBTB NBT Bancorp Inc NBTB
70 GF Score
Price $52.09
GF Value $47.35
Valuation Fairly Valued
! 3 Warning Signs
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What is NBT Bancorp Issuance of Debt?

NBT Bancorp NBTB +0.42% 70 Issuance of Debt is $233.7 Mil as of Jun. 2026. GuruFocus rates NBTB with a GF Score™ of 70/100 and a GF Value™ of $47.35 (Fairly Valued). The stock has 3 warning signs investors should review.

NBT Bancorp's Issuance of Debt for the three months ended in Jun. 2026 was $198.6 Mil.

NBT Bancorp's Issuance of Debt for the trailing twelve months (TTM) ended in Jun. 2026 was $233.7 Mil.

NBT Bancorp Issuance of Debt Related Terms

NBT Bancorp Issuance of Debt Historical Data

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The historical data trend for NBT Bancorp's Issuance of Debt 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 Issuance of Debt Chart

NBT Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Issuance of Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 488.74 25.00 0.00 0.00

NBT Bancorp Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Issuance of Debt 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 0.00 25.76 9.34 0.00 198.63
NBTB
70GF Score
NBT Bancorp Inc NBTB
Issuance of Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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NBT Bancorp Issuance of Debt Calculation

Issuance of Debt represents all the cash inflow from debt, including both long-term debt and short-term debt.

Issuance of Debt for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $233.7 Mil.

* 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 Issuance of Debt →
What does a Issuance of Debt of $233.7 Mil mean?
NBT Bancorp (NBTB) has a Issuance of Debt of $233.7 Mil as of Jun. 2026. Issuance of Debt is all the cash inflow from debt, including both long-term debt and short-term debt. View historical data on NBT Bancorp and its competitors.
Is NBT Bancorp's Issuance of Debt too high?
NBT Bancorp's current Issuance of Debt is $233.7 Mil. 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 Issuance of Debt compare to FRME and TRMK?
NBT Bancorp's Issuance of Debt of $233.7 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 Issuance of Debt for a Banks company?
A good Issuance of Debt depends on the Banks industry context. However, Issuance of Debt 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 Issuance of Debt mean?
A high Issuance of Debt can signal that a stock is expensive relative to its fundamentals. Issuance of Debt is all the cash inflow from debt, including both long-term debt and short-term debt. View historical data on NBT Bancorp and its competitors. NBT Bancorp's current Issuance of Debt is $233.7 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 Fairly Valued. The stock's GF Value™ is $47.35, compared to a current price of $52.09 — trading 10% above its estimated fair value. The current Issuance of Debt is $233.7 Mil. 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 Issuance of Debt calculated?
Issuance of Debt is calculated from a company's financial statements. For NBT Bancorp (NBTB), the current Issuance of Debt is $233.7 Mil 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 $52.09 is trading 10% above its estimated GF Value™ of $47.35. GuruFocus considers NBT Bancorp to be Fairly Valued.

Key valuation signals for NBTB:

  • Issuance of Debt: $233.7 Mil
  • GF Value™: $47.35 vs. price of $52.09 (10% 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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Issuance of Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$52.09
Price
$47.35
GF Value