Three independent discounted-cash-flow-style models value NBT Bancorp Inc every trading day. 0 of 3 currently price NBTB above its market price.
| Free Cash Flow model | $-39.92 |
| Excess Profit model | $48.80 |
| Residual Earnings model | $9.85 |
| Dividend Discount model | $30.29 |
| Piotroski F-Score | 5 / 9 |
| Return on invested capital | +9.1% |
| Net debt / EBITDA | -2.2× |
| Gross margin | +100.0% |
| Revenue CAGR | +6.7% |
| Cash conversion | 1.4× |
| Dividend yield | +3.0% |
| Buyback yield | -7.4% |
These are StockKitty's default assumptions. In the app, the models recompute live as you adjust growth, discount rates, and margins — and the AI explains the bull case, bear case, and quality picture.
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