Should I Buy NBTB? NBTB 2026 Analysis

Should You Buy NBT Bancorp Inc (NBTB) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Buy

Latest Price

46.650

1 Day change

0.58%

52 Week Range

48.830

Analysis Updated At

2026/02/05

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Uptrend is intact (bullish moving-average stack and expanding positive MACD), and the stock is holding up despite a weak S&P 500 day, supporting a buy-now decision.
Insider buying is meaningfully accelerating (+138.37% last month), which adds confidence to current levels.
Fundamentals are strong (2025/Q4 revenue, net income, and EPS all sharply higher YoY), supporting continued upside.
Near-term technicals are stretched (RSI_6 ~71 and price sitting right under R1), but for an impatient buyer the trend + fundamentals + sentiment still favor buying now rather than waiting.

Technical Analysis

Trend: Bullish (SMA_5 > SMA_20 > SMA_200), indicating a strong upward structure across short-, medium-, and long-term horizons.
Momentum: MACD histogram at +0.225 and expanding, confirming strengthening bullish momentum.
RSI: RSI_6 at 71.094 suggests stretched/overbought conditions rather than a fresh low-risk entry, but it does not negate the uptrend.
Levels: Pivot 44.287 (key support reference). Immediate resistance is R1 46.055 (price 46.01 is essentially testing it). Next upside level R2 47.148. Downside supports: S1 42.518, S2 41.425.
Price action context: With the broader market down (S&P 500 -1.09%) while NBTB is nearly flat, relative strength is constructive.

Options Data

Bullish

Open Interest Put-Call Ratio

Bullish

Option Volume Put-Call Ratio

Sentiment: Bullish-leaning positioning (open interest put/call ratio 0.41 indicates more calls than puts outstanding).
Activity: Call volume 131 vs put volume 0 today, reinforcing a one-sided bullish tilt in near-term flow.
Volatility: IV (30d) 54.16 vs historical volatility 27.75 implies options are pricing elevated movement; IV percentile 76.89 suggests volatility is high versus its recent distribution.
Positioning scale: Total open interest 661 (calls 470, puts 191); today’s open interest vs 30-day avg is elevated (120.84), indicating increased participation.

Technical Summary

Sell

Buy

Positive Catalysts

- Insider activity: Insiders are buying aggressively (buying amount up 138.37% over the last month).
- Financial momentum: 2025/Q4 delivered strong YoY growth in revenue, net income, and EPS.
- Technical setup: Bullish MA alignment plus expanding positive MACD supports continuation.
- Options sentiment: Low put/call open interest ratio and call-dominant volume suggest bullish positioning.

Neutral/Negative Catalysts

- Overextended short-term: RSI_6 ~71 indicates the stock is stretched and may not be at the “cleanest” technical entry.
- Overhead level nearby: Price is pressing R1 (46.055), where near-term stalling can occur.
- No near-term news: No news in the past week reduces the chance of an immediate event-driven upside catalyst.
- Hedge funds: Neutral stance over the last quarter (no strong institutional trend signal from that dataset).

Financial Performance

Latest quarter: 2025/Q4.
Revenue: 147,325,000 (+24.71% YoY), showing strong top-line acceleration.
Net income: 55,509,000 (+54.17% YoY), indicating expanding profitability.
EPS: 1.06 (+41.33% YoY), confirming strong per-share earnings momentum.
Overall read-through: Growth trends are decisively positive in the most recent reported quarter, supporting a constructive buy thesis.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Analyst rating/price target trend: No analyst rating changes or price target updates were provided in the dataset, so the current “Wall Street” view cannot be confirmed here.
Practical takeaway: In the absence of analyst data, the decision leans more heavily on the observed fundamentals (strong 2025/Q4 growth), insider buying, and the bullish technical trend.
Influential/political trading: No recent congress trading data available; no politician/influential-figure transactions were provided.

1 Analyst Rating

Wall Street analysts forecast NBTB stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for NBTB is 47 USD with a low forecast of 47 USD and a high forecast of 47 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

1 Buy

0 Hold

0 Sell

Moderate Buy

Current: 46.380

Low

Averages

High

Current: 46.380

Low

Averages

High

Piper Sandler

Neutral -> Overweight

upgrade

$47

AI Analysis

2025-10-14

Reason

Piper Sandler

Price Target

$47

AI Analysis

2025-10-14

upgrade

Neutral -> Overweight

Reason

Piper Sandler upgraded NBT Bancorp to Overweight from Neutral with an unchanged price target of $47. The share are down 17% year-to-date, underperforming peers, which is unwarranted, the analyst tells investors in a research note. Piper says NBT's valuation "has gotten sufficiently attractive to justify an upgrade."

Piper Sandler

Neutral

initiated

$47

2025-07-08

Reason

Piper Sandler

Price Target

$47

2025-07-08

initiated

Neutral

Reason

Piper Sandler assumed coverage of NBT Bancorp with a Neutral rating and $47 price target. The company is executing well in its rural, suburban and lower density urban markets, but trades at a premium multiple, the analyst tells investors in a research note.

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NBTB Should I Buy

NBTB Should I Buy

Should You Buy NBT Bancorp Inc (NBTB) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Technical Summary

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

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