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Market cap is the total market value to buy the whole company. It is equal to the share price times the number of Shares Outstanding (EOP). NBT Bancorp's share price for the quarter that ended in Jun. 2026 was $49.37. NBT Bancorp's Shares Outstanding (EOP) for the quarter that ended in Jun. 2026 was 52.0 Mil. Therefore, NBT Bancorp's market cap for the quarter that ended in Jun. 2026 was $2,565.0 Mil.
NBT Bancorp's quarterly market cap
increased
from Dec. 2025 ($2,167.5 Mil) to Mar. 2026 ($2,214.6 Mil) and
increased
from Mar. 2026 ($2,214.6 Mil) to Jun. 2026 ($2,565.0 Mil).
NBT Bancorp's annual market cap
increased
from Dec. 2023 ($1,974.4 Mil) to Dec. 2024 ($2,254.0 Mil) but then
declined
from Dec. 2024 ($2,254.0 Mil) to Dec. 2025 ($2,167.5 Mil).
Enterprise Value is the theoretical takeover price. It is more comprehensive than market capitalization (market cap), which only includes common equity. Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash and cash equivalents. NBT Bancorp's Enterprise Value for Today is $2,700.3 Mil.
Market cap is not the real price you pay for a company. If you buy the company and become its owner, you become the owner of the cash the company has, and you also assume the companys debt. The real price you pay is the Enterprise Value.
Warren Buffett uses the ratio of total market cap of all public traded companies over GDP to measure if the market is expensive. As of April 2012, the US total market cap is about $14.7 trillion, while the US GDP is about $15 trillion. The market was modestly overvalued.
NBT Bancorp Market Cap Related Terms
NBT Bancorp Market Cap Historical Data
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The historical data trend for NBT Bancorp's Market Cap 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 Market Cap, along with its competitors' market caps and Market Cap 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 Market Cap vs Banks Industry
For the Banks industry and Financial Services sector, NBT Bancorp's Market Cap distribution charts can be found below:
* The bar in red indicates where NBT Bancorp's Market Cap falls into.
Market cap is the short version of market capitalization. It is the total market value to buy the whole company. It is equal to the share price times the number of shares outstanding.
NBT Bancorp's Market Cap for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Market Cap of $2,683.2 Mil as of Sep. 11, 2026. Market cap equals the total value of a company's shares: price times shares outstanding. View historical data on NBT Bancorp and its competitors. According to the industry distribution chart, NBT Bancorp ranks #436 out of 1533 companies in the Banks industry, placing it in the top 28.4%.
Is NBT Bancorp's Market Cap too high?
NBT Bancorp's current Market Cap is $2,683.2 Mil. The Banks industry median Market Cap is 758.40. NBT Bancorp's value of $2,683.2 Mil is 253.8% above this industry median. Based on the distribution chart, NBT Bancorp ranks #436 out of 1533 companies in the Banks industry, which is above 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 Market Cap compare to TBBK and WAFD?
According to the Banks industry distribution chart, NBT Bancorp ranks #436 out of 1533 companies for Market Cap. This puts NBT Bancorp in the upper half of its industry. The industry median Market Cap is 758.40. NBT Bancorp's value of $2,683.2 Mil is 253.8% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Market Cap for a Banks company?
The median Market Cap among Banks companies is 758.40, based on 1,533 companies in the industry. Companies in the top quartile (top 25%) have a Market Cap significantly above this median, while those in the bottom quartile fall well below. However, Market Cap should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. NBT Bancorp's current Market Cap of $2,683.2 Mil is 253.8% 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 Market Cap mean?
A high Market Cap can signal that a stock is expensive relative to its fundamentals. Market cap equals the total value of a company's shares: price times shares outstanding. View historical data on NBT Bancorp and its competitors. For the Banks industry, the median Market Cap is 758.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NBT Bancorp's current Market Cap is $2,683.2 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 $47.49, compared to a current price of $51.64 — trading 8.7% above its estimated fair value. The current Market Cap is $2,683.2 Mil and 253.8% above the Banks industry median of 758.40. 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 Market Cap calculated?
Market Cap is calculated from a company's financial statements. For NBT Bancorp (NBTB), the current Market Cap is $2,683.2 Mil as of Sep. 11, 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 $51.64 is trading 8.7% above its estimated GF Value™ of $47.49.
GuruFocus considers NBT Bancorp to be Fairly Valued.
Key valuation signals for NBTB:
Market Cap: $2,683.2 Mil
GF Value™: $47.49 vs. price of $51.64 (8.7% above fair value)
Industry Position: 253.8% above the Banks median (#436 of 1533)
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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