NBTB (NBT Bancorp) ROC (Joel Greenblatt) %: % (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Founder & CEO of GuruFocus
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 $52.08
GF Value $46.58
Valuation Modestly Overvalued
! 4 Warning Signs
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What is NBT Bancorp ROC (Joel Greenblatt) %?

NBT Bancorp NBTB -0.44% 69 ROC (Joel Greenblatt) % is % as of Mar. 2026. GuruFocus rates NBTB with a GF Score™ of 69/100 and a GF Value™ of $46.58 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 46 Banks companies, NBT Bancorp ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

NBTB
69GF Score
NBT Bancorp Inc NBTB
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
NBT Bancorp (NBTB) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on NBT Bancorp and its competitors. According to the industry distribution chart, NBT Bancorp ranks #999999 out of 46 companies in the Banks industry.
Is NBT Bancorp's ROC (Joel Greenblatt) % too high?
NBT Bancorp's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, NBT Bancorp ranks #999999 out of 46 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 ROC (Joel Greenblatt) % compare to TBBK and BBT?
According to the Banks industry distribution chart, NBT Bancorp ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places NBT Bancorp in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 63.39. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 63.39, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on NBT Bancorp and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 63.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NBT Bancorp's current ROC (Joel Greenblatt) % is %. 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 $46.58, compared to a current price of $52.08 — trading 11.8% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. NBT Bancorp's overall GF Score™ is 69/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For NBT Bancorp (NBTB), the current ROC (Joel Greenblatt) % is % 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 $52.08 is trading 11.8% above its estimated GF Value™ of $46.58. GuruFocus considers NBT Bancorp to be Modestly Overvalued.

Key valuation signals for NBTB:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $46.58 vs. price of $52.08 (11.8% above fair value)
  • GF Score™: 69/100 with 4 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

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ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$52.08
Price
$46.58
GF Value