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The historical data trend for NBT Bancorp's Total Payout Ratio 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.
NBTB vs FRME, TRMK, WAFD: Total Payout Ratio Comparison
For the Banks - Regional subindustry, NBT Bancorp's Total Payout Ratio, along with its competitors' market caps and Total Payout Ratio 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 Total Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, NBT Bancorp's Total Payout Ratio distribution charts can be found below:
* The bar in red indicates where NBT Bancorp's Total Payout Ratio falls into.
* 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 Total Payout Ratio of 0.43 as of Aug. 25, 2026. Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income. View historical data on NBT Bancorp and its competitors.
Is NBT Bancorp's Total Payout Ratio too high?
NBT Bancorp's current Total Payout Ratio is 0.43. 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 Total Payout Ratio compare to FRME and TRMK?
NBT Bancorp's Total Payout Ratio of 0.43 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 Total Payout Ratio for a Banks company?
A good Total Payout Ratio depends on the Banks industry context. However, Total Payout Ratio 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 Total Payout Ratio mean?
A high Total Payout Ratio can signal that a stock is expensive relative to its fundamentals. Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income. View historical data on NBT Bancorp and its competitors. NBT Bancorp's current Total Payout Ratio is 0.43. 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 $47.36, compared to a current price of $51.38 — trading 8.5% above its estimated fair value. The current Total Payout Ratio is 0.43. 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 Total Payout Ratio calculated?
Total Payout Ratio is calculated from a company's financial statements. For NBT Bancorp (NBTB), the current Total Payout Ratio is 0.43 as of Aug. 25, 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 $51.38 is trading 8.5% above its estimated GF Value™ of $47.36.
GuruFocus considers NBT Bancorp to be Fairly Valued.
Key valuation signals for NBTB:
Total Payout Ratio: 0.43
GF Value™: $47.36 vs. price of $51.38 (8.5% above fair value)
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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