NBT Bancorp Inc Dossier
Valuation
How Intrinsic Value compares with model outputs
Intrinsic Value $46.09median of 2 methodsbased on filings through 30 Jun 2026
Market Price $50.74Price as of 1 Oct 2026
Valuation methods vs. Market Price
$0$40$80$120$160$200
DCF
$103.14
DNI
$89.93
P/S
$159.94◇ $585.20
P/E
$56.19◇ $42.88
P/B
$35.99◇ $30.23
PEG
$22.78
$0$40$80$120$160$200
Market Price ($50.74) Intrinsic Value ($46.09) peer-implied value
Company vs. peer median Members
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Assumptions
| Parameter | Value |
|---|---|
| Years 1–5: analyst growth pathFive-year total matches analyst consensus exactly. Year 1: 8.5% (near-term consensus, capped) · years 2–5: 2.7%/yr (balance of the path). | 3.8% per year |
Years 6–10: glide to demonstrated growthPer-year ratesYr 62.9%Yr 73.2%Yr 83.4%Yr 93.6%Yr 103.8% | 2.7% → 3.8% |
Years 11–20: glide to long-run ratePer-year ratesYr 113.7%Yr 123.7%Yr 133.6%Yr 143.5%Yr 153.4%Yr 163.3%Yr 173.2%Yr 183.2%Yr 193.1%Yr 203.0% | 3.8% → 3.0% |
| Beyond year 20: terminal growthPerpetual long-run rate | 3.0% |
| Historical EPS growth (multi-year median)median of 3 windows (5/6/7y) | 3.8% |
| Discount rate (cost of equity) | 7.9% |
| Volatility vs market (adjusted beta) | 0.66 |
Valuation Detail Members
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Assumptions Sandbox Members
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Best value in each row is highlighted. Figures are periodic snapshots from the same filings used across each dossier; a dash means the figure is not available.