NBTB (NBT Bancorp) ROCE %: % (As of Mar. 2026)


NBTB NBT Bancorp Inc NBTB
69 GF Score
Price $49.28
GF Value $46.35
Valuation Fairly Valued
! 3 Warning Signs
View Full Analysis

What is NBT Bancorp ROCE %?

NBT Bancorp NBTB +1.07% 69 ROCE % is % as of Mar. 2026. GuruFocus rates NBTB with a GF Score™ of 69/100 and a GF Value™ of $46.35 (Fairly Valued). The stock has 3 warning signs investors should review.

ROCE % does not apply to banks and insurance companies.

NBTB
69GF Score
NBT Bancorp Inc NBTB
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of % mean?
NBT Bancorp (NBTB) has a ROCE % of % as of Mar. 2026.
Is NBT Bancorp's ROCE % too high?
NBT Bancorp's current ROCE % is %. Overall, NBT Bancorp has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does NBT Bancorp's ROCE % compare to FBNC and BBT?
NBT Bancorp's ROCE % of % can be compared against companies in the Banks industry. The industry median ROCE % is 3.20. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Banks company?
The median ROCE % among Banks companies is 3.20, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median ROCE % is 3.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NBT Bancorp's current ROCE % 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 Fairly Valued. The stock's GF Value™ is $46.35, compared to a current price of $49.28 — trading 6.3% above its estimated fair value. The current ROCE % is %. NBT Bancorp's overall GF Score™ is 69/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROCE % calculated?
ROCE % is calculated from a company's financial statements. For NBT Bancorp (NBTB), the current ROCE % 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 $49.28 is trading 6.3% above its estimated GF Value™ of $46.35. GuruFocus considers NBT Bancorp to be Fairly Valued.

Key valuation signals for NBTB:

  • ROCE %: %
  • GF Value™: $46.35 vs. price of $49.28 (6.3% above fair value)
  • GF Score™: 69/100 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.
69GF Score

Get the complete analysis for NBTB

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

$49.28
Price
$46.35
GF Value