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NBT BancorpNBTB +0.79%69 5-Year Yield-on-Cost % is 3.62 as of Jul. 29, 2026, which is 4% below its 10-year median of 3.79. GuruFocus rates NBTB with a GF Score™ of 69/100 and a GF Value™ of $46.63 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,251 Banks companies, NBT Bancorp ranks worse than 54.12% on this metric.
NBT Bancorp's yield on cost for the quarter that ended in Mar. 2026 was 3.62.
The historical rank and industry rank for NBT Bancorp's 5-Year Yield-on-Cost % or its related term are showing as below:
NBTB'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.81 Med: 3.79 Max: 5.38
Current: 3.62
During the past 13 years, NBT Bancorp's highest Yield on Cost was 5.38. The lowest was 2.81. And the median was 3.79.
NBTB's 5-Year Yield-on-Cost % is ranked worse than 54.12% of 1251
companies
in the Banks industry
Industry Median: 3.84
vs NBTB: 3.62
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
NBT Bancorp 5-Year Yield-on-Cost % Related Terms
NBTB vs FRME, TRMK, WAFD: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, NBT Bancorp's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, NBT Bancorp's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where NBT Bancorp's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of NBT Bancorp is calculated as
NBT Bancorp (NBTB) has a 5-Year Yield-on-Cost % of 3.62 as of Jul. 29, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on NBT Bancorp and its competitors. This is near median its historical median of 3.79. Over the past decade, NBT Bancorp's 5-Year Yield-on-Cost % has ranged from 2.81 to 5.38. According to the industry distribution chart, NBT Bancorp ranks #677 out of 1251 companies in the Banks industry, placing it in the top 54.1%.
Is NBT Bancorp's 5-Year Yield-on-Cost % too high?
NBT Bancorp's current 5-Year Yield-on-Cost % of 3.62 is near median its 10-year median of 3.79. Over the past 10 years, this metric has ranged from a low of 2.81 to a high of 5.38. The Banks industry median 5-Year Yield-on-Cost % is 3.84. NBT Bancorp's value of 3.62 is 5.7% below this industry median. Based on the distribution chart, NBT Bancorp ranks #677 out of 1251 companies in the Banks industry, which is below the industry midpoint. 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 5-Year Yield-on-Cost % compare to FRME and TRMK?
According to the Banks industry distribution chart, NBT Bancorp ranks #677 out of 1251 companies for 5-Year Yield-on-Cost %. This places NBT Bancorp in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.84. NBT Bancorp's value of 3.62 is 5.7% below this benchmark. Historically, NBT Bancorp's own 5-Year Yield-on-Cost % has ranged from 2.81 to 5.38 over the past decade. While the company's 10-year median is 3.79 vs. the industry median of 3.84, NBT Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.84, based on 1,251 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. NBT Bancorp's current 5-Year Yield-on-Cost % of 3.62 is 5.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on NBT Bancorp and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.84 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NBT Bancorp's current 5-Year Yield-on-Cost % is 3.62, which is near median its own 10-year median of 3.79. 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 $54.07 — trading 15.9% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.62, which is near median its 10-year median of 3.79 and 5.7% below the Banks industry median of 3.84. NBT Bancorp's overall GF Score™ is 69/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For NBT Bancorp (NBTB), the current 5-Year Yield-on-Cost % is 3.62 as of Jul. 29, 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 $54.07 is trading 15.9% above its estimated GF Value™ of $46.63.
GuruFocus considers NBT Bancorp to be Modestly Overvalued.
Key valuation signals for NBTB:
5-Year Yield-on-Cost %: 3.62 (near median its 10-year median of 3.79)
GF Value™: $46.63 vs. price of $54.07 (15.9% above fair value)
Industry Position: 5.7% below the Banks median (#677 of 1251)
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.
69GF Score
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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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