NBTB (NBT Bancorp) Tax Rate %: 23.30% (As of Mar. 2026)

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NBTB NBT Bancorp Inc NBTB
67 GF Score
Price $53.19
GF Value $46.63
Valuation Modestly Overvalued
! 7 Warning Signs
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What is NBT Bancorp Tax Rate %?

NBT Bancorp NBTB -1.04% 67 Tax Rate % is 23.30% as of Mar. 2026. GuruFocus rates NBTB with a GF Score™ of 67/100 and a GF Value™ of $46.63 (Modestly Overvalued). The stock has 7 warning signs investors should review.

Tax Rate % is calculated as Tax Expense divided by its Pre-Tax Income. NBT Bancorp's Tax Expense for the three months ended in Mar. 2026 was $15.5 Mil. NBT Bancorp's Pre-Tax Income for the three months ended in Mar. 2026 was $66.7 Mil. Therefore, NBT Bancorp's Tax Rate % for the quarter that ended in Mar. 2026 was 23.30%.

NBT Bancorp Tax Rate % Related Terms

NBT Bancorp Tax Rate % Historical Data

* Premium members only.

The historical data trend for NBT Bancorp's Tax Rate % 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 Tax Rate % Chart

NBT Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Tax Rate %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 22.50 22.51 22.60 21.63 22.88

NBT Bancorp Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Tax Rate % 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 26.69 24.16 20.35 23.30 23.27
NBTB
67GF Score
NBT Bancorp Inc NBTB
Tax Rate % is just one metric. See GF Score™, valuation, warning signs, and more.
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NBT Bancorp Tax Rate % Calculation

Tax Rate % is the ratio of tax expense divided by pretax income, usually presented in percent.

NBT Bancorp's Tax Rate % for the fiscal year that ended in Dec. 2025 is calculated as

Tax Rate %=Tax Expense (A: Dec. 2025 )/Pre-Tax Income (A: Dec. 2025 )
=50.209/219.444
=22.88 %

NBT Bancorp's Tax Rate % for the quarter that ended in Mar. 2026 is calculated as

Tax Rate %=Tax Expense (Q: Mar. 2026 )/Pre-Tax Income (Q: Mar. 2026 )
=15.533/66.675
=23.30 %

* 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.

Frequently Asked Questions Learn more about Tax Rate % →
What does a Tax Rate % of 23.30% mean?
NBT Bancorp (NBTB) has a Tax Rate % of 23.30% as of Mar. 2026.
Is NBT Bancorp's Tax Rate % too high?
NBT Bancorp's current Tax Rate % is 23.30%. Overall, NBT Bancorp has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NBT Bancorp's Tax Rate % compare to FRME and TRMK?
NBT Bancorp's Tax Rate % of 23.30% 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 Tax Rate % for a Banks company?
A good Tax Rate % depends on the Banks industry context. However, Tax Rate % 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 Tax Rate % mean?
A high Tax Rate % can signal that a stock is expensive relative to its fundamentals. NBT Bancorp's current Tax Rate % is 23.30%. 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 $53.19 — trading 14.1% above its estimated fair value. The current Tax Rate % is 23.30%. NBT Bancorp's overall GF Score™ is 67/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Tax Rate % calculated?
Tax Rate % is calculated from a company's financial statements. For NBT Bancorp (NBTB), the current Tax Rate % is 23.30% 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 $53.19 is trading 14.1% above its estimated GF Value™ of $46.63. GuruFocus considers NBT Bancorp to be Modestly Overvalued.

Key valuation signals for NBTB:

  • Tax Rate %: 23.30%
  • GF Value™: $46.63 vs. price of $53.19 (14.1% above fair value)
  • GF Score™: 67/100 with 7 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.
67GF Score

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

$53.19
Price
$46.63
GF Value