NBT Bancorp Inc. (NBTB) — Regional Banks. Numbers-first dossier: valuation, distress risk, calibrated signal.

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Bid — × — AskUpdated Nov 10, 2026 · 1:32 PM ETVol 63.9K · 3-mo avg 308.3K

NBT Bancorp Inc. (NBTB)

NBTBNBT Bancorp Inc.loading…
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QTick signal
-1net
1 bull / 2 bear factors · balanced
Bull 1 pts·Bear 2 pts30d
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Market context—Sector read · not on file—Balance sheet · not on file—Inflation-report days · not on fileOKCalm trading · sharp-drop risk 0/100 · Nov 10
$53.37
near a recent low and a support level · Nov 9
$55–56
near the 52-week high and a round-number price · midpoint $55.35 · Nov 9
±$0.23
±0.4% up or down, priced by the options market
Golden cross
50-day average is above the 200-day — an uptrend
In line
61% of similar setups fell 10% or more within 3 months · 1.1× the usual rate · rating eased: at bottom zone (2/6 bottoming checks met)
Golden cross
50-day average is above the 200-day — an uptrend
Trading volume65% below normal0.35× its 20-day average
Past year's range$39.45 – $55.35lowest to highest price
From its peak3.1% belowpeak $55.35, highest since 2015
Gain vs. risk0.75 to 1$0.75 possible gain per $1 at risk
Plan fails below$50.73the setup is broken under this price
Options pressure point$40.00price can drift here near expiry
Momentum (RSI)58.7fires under 35 · fires near $47.75
Accounting warning signs1worth checking — see the list
Price vs. profit11.8× next year12.8× last 12 months
Price vs. its own pastpricier than 37%of the last 5 years · usual P/E 13.6×

Trading lighter than its own normal, price down 0.5%. Over the last 20 sessions, 52% of the volume traded on days the stock closed lower.

Entry strategy · 10 triggers

1 of 6 aligned — not yet
RSI 14
●
58.7
fires under 35 · fires near $47.75
vs 50-day
●
$51.53
above the line · fires near $52.02
Bollinger
●
$49.91
no lower pierce · fires near $49.42
VWAP 20
●
$52.33
above the rolling VWAP · fires near $52.27
Entry level
✓
$53.37
within 1% of model level
Put wall
●
$40.00
2026-11-20 expiry · chain of 2026-11-10
MACD
Context✓
+0.09
histogram above zero · fading
RVolStatic
0.35×
lighter than its own normal
Short int.Static
5.1%
short interest below 20%
ATRStatic
$1.27
14-session average true range
A checklist, not odds on a return: 4 of 6 usable price conditions have to line up. RSI, the 50-day average and the Bollinger band move with the price you set; the 20-day average traded price, the entry level and the busiest put strike stay fixed. MACD, RVol, Short int. and ATR are context only — they never count toward the total.
See the full case→
Next earnings
2027-01-25
in 50 sessions
Next dividend
USD 0.40
ex-date 2026-12-01