NBTB (NBT Bancorp) Marketable Securities: $185.7 Mil (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NBTB NBT Bancorp Inc NBTB
69 GF Score
Price $54.26
GF Value $46.63
Valuation Modestly Overvalued
! 6 Warning Signs
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What is NBT Bancorp Marketable Securities?

NBT Bancorp NBTB +1.16% 69 Marketable Securities is $185.7 Mil as of Mar. 2026. GuruFocus rates NBTB with a GF Score™ of 69/100 and a GF Value™ of $46.63 (Modestly Overvalued). The stock has 6 warning signs investors should review.

Marketable Securities are very liquid securities that can be converted into cash quickly at a reasonable price. NBT Bancorp's Marketable Securities for the quarter that ended in Mar. 2026 was $185.7 Mil.

NBT Bancorp's annual Marketable Securities increased from Dec. 2023 ($1,430.9 Mil) to Dec. 2024 ($1,574.7 Mil) but then declined from Dec. 2024 ($1,574.7 Mil) to Dec. 2025 ($173.3 Mil).

NBT Bancorp  (NAS:NBTB) Marketable Securities Explanation

Marketable Securities are very liquid as they tend to have maturities of less than one year. Furthermore, the rate at which these securities can be bought or sold has little effect on their prices.

Please note, GuruFocus' Marketable Securities also includes "Other Short Term Investment".

NBT Bancorp Marketable Securities Related Terms

NBT Bancorp Marketable Securities Historical Data

* Premium members only.

The historical data trend for NBT Bancorp's Marketable Securities 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 Marketable Securities Chart

NBT Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Marketable Securities
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1,687.36 1,527.23 1,430.86 1,574.66 173.27

NBT Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Marketable Securities 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 184.71 182.43 165.81 173.27 185.72
NBTB
69GF Score
NBT Bancorp Inc NBTB
Marketable Securities is just one metric. See GF Score™, valuation, warning signs, and more.
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NBT Bancorp Marketable Securities Calculation

Marketable Securities are very liquid securities that can be converted into cash quickly at a reasonable price.

Frequently Asked Questions Learn more about Marketable Securities →
What does a Marketable Securities of $185.7 Mil mean?
NBT Bancorp (NBTB) has a Marketable Securities of $185.7 Mil as of Mar. 2026. Marketable securities are high-liquid securites not directly classified as cash or cash equivalents. View historical data on NBT Bancorp and its competitors.
Is NBT Bancorp's Marketable Securities too high?
NBT Bancorp's current Marketable Securities is $185.7 Mil. Overall, NBT Bancorp has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NBT Bancorp's Marketable Securities compare to FRME and TRMK?
NBT Bancorp's Marketable Securities of $185.7 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 Marketable Securities for a Banks company?
A good Marketable Securities depends on the Banks industry context. However, Marketable Securities 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 Marketable Securities mean?
A high Marketable Securities can signal that a stock is expensive relative to its fundamentals. Marketable securities are high-liquid securites not directly classified as cash or cash equivalents. View historical data on NBT Bancorp and its competitors. NBT Bancorp's current Marketable Securities is $185.7 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 Modestly Overvalued. The stock's GF Value™ is $46.63, compared to a current price of $54.26 — trading 16.4% above its estimated fair value. The current Marketable Securities is $185.7 Mil. NBT Bancorp's overall GF Score™ is 69/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Marketable Securities calculated?
Marketable Securities is calculated from a company's financial statements. For NBT Bancorp (NBTB), the current Marketable Securities is $185.7 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 $54.26 is trading 16.4% above its estimated GF Value™ of $46.63. GuruFocus considers NBT Bancorp to be Modestly Overvalued.

Key valuation signals for NBTB:

  • Marketable Securities: $185.7 Mil
  • GF Value™: $46.63 vs. price of $54.26 (16.4% above fair value)
  • GF Score™: 69/100 with 6 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.
69GF Score

Get the complete analysis for NBTB

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

$54.26
Price
$46.63
GF Value