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NBT BancorpNBTB +0.33%70 EV-to-FCF is 11.05 as of Aug. 21, 2026, which is 11% below its 10-year median of 12.47. GuruFocus rates NBTB with a GF Score™ of 70/100 and a GF Value™ of $47.33 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,181 Banks companies, NBT Bancorp ranks worse than 64.52% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, NBT Bancorp's Enterprise Value is $2,712.8 Mil.
NBT Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 was $245.6 Mil. Therefore, NBT Bancorp's EV-to-FCF for today is 11.05.
The historical rank and industry rank for NBT Bancorp's EV-to-FCF or its related term are showing as below:
NBTB'
s EV-to-FCF Range Over the Past 10 Years
Min: 3.3 Med: 12.47 Max: 23.89
Current: 11.05
During the past 13 years, the highest EV-to-FCF of NBT Bancorp was 23.89. The lowest was 3.30. And the median was 12.47.
NBTB's EV-to-FCF is ranked worse than 64.52% of 1181
companies
in the Banks industry
Industry Median: 7.08
vs NBTB: 11.05
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
NBT Bancorp's PE Ratio (TTM) for today is calculated as:
NBT Bancorp's share price for today is $51.87.
NBT Bancorp's Earnings per Share (Diluted) 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 $4.090.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
NBT Bancorp EV-to-FCF Related Terms
NBT Bancorp EV-to-FCF Historical Data
* Premium members only.
The historical data trend for NBT Bancorp's EV-to-FCF 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.
For the Banks - Regional subindustry, NBT Bancorp's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
NBT Bancorp EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, NBT Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where NBT Bancorp's EV-to-FCF falls into.
NBT Bancorp's current Enterprise Value is $2,712.8 Mil.
NBT Bancorp's Free Cash Flow 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 $245.6 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.
NBT Bancorp (NBTB) has a EV-to-FCF of 11.05 as of Aug. 21, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on NBT Bancorp and its competitors. This is 11% below median its historical median of 12.47. Over the past decade, NBT Bancorp's EV-to-FCF has ranged from 3.30 to 23.89. According to the industry distribution chart, NBT Bancorp ranks #762 out of 1181 companies in the Banks industry, placing it in the top 64.5%.
Is NBT Bancorp's EV-to-FCF too high?
NBT Bancorp's current EV-to-FCF of 11.05 is 11% below median its 10-year median of 12.47. Over the past 10 years, this metric has ranged from a low of 3.30 to a high of 23.89. The Banks industry median EV-to-FCF is 7.08. NBT Bancorp's value of 11.05 is 56.1% above this industry median. Based on the distribution chart, NBT Bancorp ranks #762 out of 1181 companies in the Banks industry, which is below the industry midpoint. 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 EV-to-FCF compare to FRME and TRMK?
According to the Banks industry distribution chart, NBT Bancorp ranks #762 out of 1181 companies for EV-to-FCF. This places NBT Bancorp in the lower half of its industry. The industry median EV-to-FCF is 7.08. NBT Bancorp's value of 11.05 is 56.1% above this benchmark. Historically, NBT Bancorp's own EV-to-FCF has ranged from 3.30 to 23.89 over the past decade. While the company's 10-year median is 12.47 vs. the industry median of 7.08, NBT Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.08, based on 1,181 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. NBT Bancorp's current EV-to-FCF of 11.05 is 56.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on NBT Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 7.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NBT Bancorp's current EV-to-FCF is 11.05, which is 11% below median its own 10-year median of 12.47. 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 $47.33, compared to a current price of $51.87 — trading 9.6% above its estimated fair value. The current EV-to-FCF is 11.05, which is 11% below median its 10-year median of 12.47 and 56.1% above the Banks industry median of 7.08. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For NBT Bancorp (NBTB), the current EV-to-FCF is 11.05 as of Aug. 21, 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 $51.87 is trading 9.6% above its estimated GF Value™ of $47.33.
GuruFocus considers NBT Bancorp to be Fairly Valued.
Key valuation signals for NBTB:
EV-to-FCF: 11.05 (11% below median its 10-year median of 12.47)
GF Value™: $47.33 vs. price of $51.87 (9.6% above fair value)
Industry Position: 56.1% above the Banks median (#762 of 1181)
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 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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