NBTB
NBT Bancorp, Inc.
·
$52.45
Extended — don't chase; wait for a pullback过度拉升 — 勿追高；等待回撤
Terminal终端 ↗
NBT Bancorp, Inc. · Financials
NBTB
$52.45
NBT Bank, N.A. is an American financial institution that operates through a network of 176 banking locations in New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Maine and Connecticut.NBTBank,N.A.是一家美国金融机构，通过纽约州、宾夕法尼亚州、佛蒙特州、马萨诸塞州、新罕布什尔州、缅因州和康涅狄格州的176个银行网点运营。
Financial金融股
Mid cap中盘
$3B
Engine stance引擎立场2026-07-20
Extended — don't chase; wait for a pullback过度拉升 — 勿追高；等待回撤
You missed the bottoming entry — the low already formed and price is now extended (overbought (daily RSI 70, 3-day 74 & 已错过筑底入场——低点已经形成，目前价格已拉伸（已超买（日线 RSI 70、3 日 74 与周线 71））。不要追高；等待回调至 10 日均线或下一个周期低点。若已持有则继续持有。
Key Statistics关键统计
Price价格
$52.45
1.4% below 52-week high低于52周高点 1.4%
Market Cap市值
$3B
Normal volume正常成交量
P/E Ratio市盈率
16.2x
15.0x sector median
Beta贝塔
0.60
Moves about 0.6x the market波动幅度约为市场的 0.6 倍
RSI (14)RSI（14）
70
Overbought超买区域
Next Earnings下次财报
2026-07-27 (8d)
Volatility Rank波动率分位
17th pctile
hist. vol. percentile历史波动率分位数
Short Interest空头兴趣
3.0% of float
Performance价格表现
| Period周期 | NBTB | S&P 500 | vs Index对比指数 |
|---|---|---|---|
| 1 Week近1周 | +4.3% | -1.5% | Beat the index by 5.8 points跑赢指数 5.8 个百分点 |
| 1 Month近1月 | +13.2% | +0.6% | Beat the index by 12.6 points跑赢指数 12.6 个百分点 |
| 3 Months近3月 | +15.8% | +4.7% | Beat the index by 11.1 points跑赢指数 11.1 个百分点 |
| 6 Months近6月 | +22.4% | +7.8% | Beat the index by 14.6 points跑赢指数 14.6 个百分点 |
| Year to date年初至今 | +28.2% | +9.1% | Beat the index by 19.1 points跑赢指数 19.1 个百分点 |
| 1 Year近1年 | +24.0% | +19.4% | Beat the index by 4.6 points跑赢指数 4.6 个百分点 |
| 3 Years近3年 | +66.8% | +69.4% | Lagged the index by 2.6 points落后指数 2.6 个百分点 |
Technicals技术面
RSI (14)RSI（14）
70
Overbought超买区域
vs 50-day相对50日均线
+10.8% vs 50-day avg
vs 200-day相对200日均线
+20.9% vs 200-day avg
Volatility rank波动率分位
17th percentile 分位
Engine reference levels — not advice引擎参考水平 — 非投资建议
Buy zone买入区间
$50.26
Don't chase above不追高于
$52.45
Stop止损
$46.35
Topping — protect gains见顶 — 保护利润
Earnings财务业绩
8
days until next report天后公布财报
2026-07-27
Estimates being cut预期下调
Earnings call transcripts — coming soon财报电话会议记录 — 即将上线
Valuation估值
| Multiple指标 | NBTB | Sector median行业中位 | Cheaper than相对便宜 |
|---|---|---|---|
| P/E (trailing)市盈率（历史） | 16.18x | 14.99 | 41% |
| P/B市净率 | 1.44x | 1.52 | 54% |
| P/S市销率 | 14.97x | 2.87 | 12% |
| Earnings yield盈利收益率 | 6.18% | 6.58 | 43% |
| Shareholder yield股东收益率 | 3.02% | 3.91 | 35% |
Analyst price targets — coming soon分析师目标价 — 即将上线
Financials财务数据
Revenue营业收入
5yr CAGR5年复合增速: 5.4%
Earnings Per Share每股收益
5yr CAGR5年复合增速: 7.0%
Free Cash Flow自由现金流
Margins利润率
8.9%Return on Equity股本回报率
1.1%Return on Assets资产回报率
Capital Allocation资本配置
| Buybacks (TTM)回购（TTM） | $10.2M |
| Stock-based comp股权薪酬 | $5.3M |
| Share count change (1y)股数变化（1年） | +10.5% |
Piotroski皮奥特罗斯基 4/5
Clean稳健
Snapshot Gauges综合指标
Valuation vs Sector估值相对行业
Roughly fair vs sector相对行业估值合理
Cheaper than 36% of its sector on blended multiples综合估值倍数低于行业内 36% 的公司
Beta市场敏感度
0.60×
0.21×3×
Moves about 0.6× the market波动幅度约为市场的 0.6 倍
Financial Health财务健康
4/5
Weak financial health财务健康状况偏弱
Dividend分红
—
Does not pay a dividend不派发股息
Why Is It Moving为何波动
Macro宏观
Short-duration name into a restrictive, rising-real-rate regime → rate tailwind.短久期标的进入偏紧、实际利率上行的环境→利率顺风。
Positioning持仓
Insider cluster activity内部人集中交易
Technical技术面
NBTB RSI reached overboughtNBTB RSI进入超买
Ownership & Smart Money持仓与聪明钱
Insider activity内部人员活动: +$1.2M net (1 buyers, 2 sellers)+$1.2M 净值（1 买家，2 卖家）
Signal History信号历史
TOP WATCH
NEARING A HIGH
Jul 15, 2026
NBTB RSI reached overboughtNBTB RSI进入超买
RSI(14) crossed above 70 — stretched to the upside; context, not a timing trigger alone. $51.30.RSI(14)上穿70 — 上行过度；仅作背景，单独不构成择时。$51.30。
Jul 10, 2026
NEARING A HIGH → BOTTOMING接近高点 → 筑底中
BUY SETUP买入预备
Jul 10, 2026
NBTB made a new 52-week highNBTB 创52周新高
Price reached a fresh 52-week high — a momentum / trend extreme the whole market watches. $50.28.价格创出52周新高 — 全市场关注的动量/趋势极值。$50.28。
Jul 9, 2026
BOTTOMING → NEARING A HIGH筑底中 → 接近高点
TAKE PROFITS止盈
Jul 9, 2026
NBTB took relative-strength leadershipNBTB 取得相对强弱领先
Relative strength vs SPY crossed above the 90th percentile of the last 90 days — leadership tends to persist. $49.95.相对标普500的强弱上穿近90日的第90百分位 — 领先往往延续。$49.95。
Jul 8, 2026
NEARING A HIGH → BOTTOMING接近高点 → 筑底中
BUY SETUP买入预备
Jul 7, 2026
BOTTOMING → NEARING A HIGH筑底中 → 接近高点
TAKE PROFITS止盈
Jul 6, 2026
NEARING A HIGH → BOTTOMING接近高点 → 筑底中
BUY SETUP买入预备
Jul 2, 2026
BOTTOMING → NEARING A HIGH筑底中 → 接近高点
TAKE PROFITS止盈
Showing last 15 of显示最近15条，共 215 signals条信号
Factor Profile因子特征
Composite factor score综合因子得分: -0.05
Value价值
+0.3
Quality质量
-0.7
Investment资本投入
-0.5
Shareholder payout股东回报
-0.3
Low volatility低波动
+0.9
Low market beta低市场敏感度
+0.3
Earnings quality盈利质量
-0.7
Short interest空头兴趣
+0.5
Company Profile公司档案
NBT Bank, N.A. is an American financial institution that operates through a network of 176 banking locations in New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Maine and Connecticut.NBTBank,N.A.是一家美国金融机构，通过纽约州、宾夕法尼亚州、佛蒙特州、马萨诸塞州、新罕布什尔州、缅因州和康涅狄格州的176个银行网点运营。
Watch items — what could change the thesis关注项 — 可能改变论点的因素
- Capital intensity rising
Get the full picture获取完整视图
Nightly signals, options flow, and factor analysis across all S&P 500 names.每日更新的信号、期权资金流向和因子分析，覆盖所有标普500成分股。