NBTB (NBT Bancorp) Tariff Resilience Score: 8/10 (As of Jul. 12, 2026)


NBTB NBT Bancorp Inc NBTB
69 GF Score
Price $50.27
GF Value $46.50
Valuation Fairly Valued
! 3 Warning Signs
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What is NBT Bancorp Tariff Resilience Score?

NBT Bancorp NBTB +0.64% 69 Tariff Resilience Score is 8 as of Jul. 12, 2026. GuruFocus rates NBTB with a GF Score™ of 69/100 and a GF Value™ of $46.50 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,610 Banks companies, NBT Bancorp ranks better than 78.76% on this metric.

NBT Bancorp has the Tariff Resilience Score of 8, which implies that the company might have Highly Resilient.

NBT Bancorp has Regional bank with minimal direct exposure to international trade. Primarily domestic operations shield it from tariff impacts, with historical data showing negligible effects.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes NBT Bancorp might have Highly Resilient.

NBT Bancorp  (NAS:NBTB) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

NBT Bancorp Tariff Resilience Score Related Terms

NBTB vs TBBK, BBT, FBNC: Tariff Resilience Score Comparison

For the Banks - Regional subindustry, NBT Bancorp's Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience Score 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 Tariff Resilience Score vs Banks Industry

For the Banks industry and Financial Services sector, NBT Bancorp's Tariff Resilience Score distribution charts can be found below:

* The bar in red indicates where NBT Bancorp's Tariff Resilience Score falls into.


NBTB
69GF Score
NBT Bancorp Inc NBTB
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 8 mean?
NBT Bancorp (NBTB) has a Tariff Resilience Score of 8 as of Jul. 12, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, NBT Bancorp ranks #342 out of 1610 companies in the Banks industry, placing it in the top 21.2%.
Is NBT Bancorp's Tariff Resilience Score too high?
NBT Bancorp's current Tariff Resilience Score is 8. Based on the distribution chart, NBT Bancorp ranks #342 out of 1610 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Tariff Resilience Score compare to TBBK and BBT?
According to the Banks industry distribution chart, NBT Bancorp ranks #342 out of 1610 companies for Tariff Resilience Score. This places NBT Bancorp in the top 21% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience Score 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. NBT Bancorp's current Tariff Resilience Score is 8. 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 $46.50, compared to a current price of $50.27 — trading 8.1% above its estimated fair value. The current Tariff Resilience Score is 8. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For NBT Bancorp (NBTB), the current Tariff Resilience Score is 8 as of Jul. 12, 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 $50.27 is trading 8.1% above its estimated GF Value™ of $46.50. GuruFocus considers NBT Bancorp to be Fairly Valued.

Key valuation signals for NBTB:

  • Tariff Resilience Score: 8
  • GF Value™: $46.50 vs. price of $50.27 (8.1% 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

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

$50.27
Price
$46.50
GF Value