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NBT Bancorp Inc. is projected to rise to $62.05 by 2027, a +24% move from its current price of $49.95. NBTB is currently trading above its 50-day average (a bullish sign). Technical indicators currently lean strong buy.
A data-driven summary — not financial advice. See the full breakdown below.
Live market data via Yahoo Finance · updated 7/11/2026
| Period | Min | Prediction | Max | Change |
|---|---|---|---|---|
| Jul 13 | $49.42 | $49.96 | $50.50 | +0.02% |
| Jul 14 | $49.21 | $49.97 | $50.73 | +0.03% |
| Jul 15 | $49.05 | $49.97 | $50.91 | +0.05% |
| Jul 16 | $48.92 | $49.98 | $51.07 | +0.06% |
| Jul 17 | $48.80 | $49.99 | $51.21 | +0.08% |
| Jul 18 | $48.69 | $50.00 | $51.33 | +0.09% |
| Jul 19 | $48.60 | $50.00 | $51.45 | +0.11% |
| Period | Min | Prediction | Max | Change |
|---|---|---|---|---|
| Week 1 | $48.60 | $50.00 | $51.45 | +0.11% |
| Week 2 | $48.08 | $50.06 | $52.12 | +0.21% |
| Week 3 | $47.70 | $50.11 | $52.65 | +0.32% |
| Week 4 | $47.38 | $50.17 | $53.11 | +0.43% |
| Week 5 | $47.12 | $50.22 | $53.52 | +0.54% |
| Week 6 | $46.88 | $50.27 | $53.91 | +0.65% |
| Week 7 | $46.67 | $50.33 | $54.27 | +0.75% |
Short-term targets derived from the forecast trend and recent volatility. Highly uncertain — not financial advice.
NBT Bancorp Inc. is a financial holding company that provides personal and commercial banking, retail banking, and wealth management services in the United States. It operates through Banking, Retirement Plan Administration, and All Other segments, offering demand deposit, savings, interest-bearing checking, money market deposit, and certificate of deposit accounts; and indirect and direct consumer loans, home equity loans and lines of credit, residential mortgages, business banking loans, commercial and industrial loans, agricultural loans, commercial construction loans, commercial real estate loans, indirect auto loans, and other consumer loans.
It also provides trust and investment services; financial planning and life insurance services; and retirement plan and health savings account recordkeeping and administration, and actuarial services. In addition, the company offers insurance products and other services through an ATM network and 24-hour online, mobile, and telephone channels, enabling customers to check balances, make deposits, transfer funds, pay bills, access statements, and apply for loans. It operates as a property management and passive investment company, as well as an investment adviser that provides investment management and financial consulting services, serving retail, commercial, and municipal customers.
NBT Bancorp operates in upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. The company was founded in 1856 and is headquartered in Norwich, New York.
NBT Bancorp Inc. (NBTB) is a financial services company with a current price of $50.25 and a market capitalization of $2.61B. It holds a mid-range market position with a rank of 1872. The current price and market cap reflect a mid-sized presence within the financial services sector.
A major floor 18.7% below — a decisive break under it would weaken the trend.
The nearest floor, 10.3% below — buyers have tended to step in here.
Price is pressing into resistance (0.7% away) — a breakout level to watch.
A major ceiling 8.0% above — clearing it would confirm fresh momentum.
Key NBTB support and resistance from recent price action — levels where the trend has historically paused or reversed. Percentages are the distance from the current price.
A snapshot of NBTB market posture derived from its technical indicators and recent volatility. Higher trend and alignment lean bullish; higher risk means larger swings.
Technical Analysis
Indicators computed on daily closing prices.
| Period | SMA | Action | EMA | Action |
|---|---|---|---|---|
| MA 5 | $49.81 | Buy | $49.87 | Buy |
| MA 10 | $49.75 | Buy | $49.55 | Buy |
| MA 20 | $48.72 | Buy | $48.82 | Buy |
| MA 50 | $46.72 | Buy | $47.23 | Buy |
| MA 100 | $45.06 | Buy | $45.84 | Buy |
| MA 200 | $43.72 | Buy | $44.66 | Buy |
| Name | Value | Action |
|---|---|---|
| RSI (14) | 64.57 | Neutral |
| Stoch RSI (14) | 60.68 | Neutral |
| CCI (20) | 95.84 | Neutral |
| Williams %R (14) | 0.00 | Info |
| MACD (12,26,9) | 0.02 | Buy |
| ROC (12) | 4.53 | Buy |
| Bollinger %B (20,2) | 0.82 | Neutral |
| Stochastic %K (14) | 100.00 | Sell |
| TRIX (15) | 0.30 | Buy |
| Awesome (5,34) | 2.11 | Buy |
| Ultimate (7,14,28) | 66.61 | Neutral |
| Momentum (10) | 1.02 | Buy |
| Aroon Osc (25) | 100.00 | Buy |
| Hull MA (9) | 49.70 | Buy |
| ADX (14) | 24.04 | Buy |
| ATR (14) | 0.51 | Info |
The near-term technical picture is bullish, with RSI14 at 70 easing into overbought territory and the stock trading above key moving averages. The SMA50 is $46.08 and the SMA200 is $43.52, suggesting a positive trend with momentum.
| Year | Min | Avg | Max | ROI | Sentiment |
|---|---|---|---|---|---|
| $40.62 | $49.95 | $64.13 | 0% | Neutral | |
| $50.82 | $62.05 | $79.22 | +24% | Bullish | |
| $52.40 | $65.19 | $85.47 | +31% | Bullish | |
| $57.18 | $72.23 | $96.71 | +45% | Bullish | |
| $68.16 | $87.26 | $118.95 | +75% | Bullish | |
| $78.47 | $101.68 | $140.80 | +104% | Bullish | |
| $92.53 | $121.26 | $170.30 | +143% | Bullish | |
| $100.24 | $132.74 | $188.84 | +166% | Bullish | |
| $102.02 | $136.45 | $196.43 | +173% | Bullish | |
| $114.29 | $154.31 | $224.61 | +209% | Bullish | |
| $173.29 | $244.02 | $372.23 | +389% | Bullish | |
| $327.12 | $494.03 | $807.78 | +889% | Bullish |
Current year — the forecast is anchored to the live price, so ROI shows 0%.
| Month | Min | Avg | Max | Change |
|---|---|---|---|---|
| July 2026 | $40.62 | $49.95 | $58.30 | +0.00% |
| August 2026 | $42.34 | $49.57 | $59.29 | -0.77% |
| September 2026 | $43.06 | $50.65 | $61.06 | +2.19% |
| October 2026 | $42.75 | $50.49 | $61.26 | -0.32% |
| November 2026 | $42.58 | $50.47 | $61.58 | -0.04% |
| December 2026 | $43.99 | $52.30 | $64.13 | +3.63% |
Click any year to see its month-by-month NBTB forecast. Min / Avg / Max are a bear / base / bull scenario; ROI is the projected move from the current price. Change is the month-over-month move in the average. Estimates, not guarantees.
NBT Bancorp Inc.'s 2026 outlook centres on $49.95, within a $40.62 to $64.13 range. That marks a 0% change versus current levels. A consolidation phase looks the most probable path here.
By 2027, NBTB could reach as high as $79.22, with a base case around $62.05 and support toward $50.82 — roughly +24% from $49.95. Momentum favours further upside here.
Expect NBTB to range from $52.40 to $85.47 through 2028. The $65.19 average target implies a +31% move from current prices. That is up +5% on the projected 2027 average. Buyers look set to stay in control over this stretch.
The NBTB price prediction for 2029 points to an average of $72.23 (low $57.18, high $96.71) — a potential gain of +45% on today's $49.95. Momentum favours further upside here.
In 2030, NBTB is projected to trade between $68.16 and $118.95, averaging $87.26 — a potential gain of +75% from today's $49.95. That is up +21% on the projected 2029 average. Buyers look set to stay in control over this stretch.
NBT Bancorp Inc.'s 2031 outlook centres on $101.68, within a $78.47 to $140.80 range. That is up +17% on the projected 2030 average. That marks a +104% change versus current levels. Momentum favours further upside here.
By 2032, NBTB could reach as high as $170.30, with a base case around $121.26 and support toward $92.53 — roughly +143% from $49.95. Buyers look set to stay in control over this stretch.
Expect NBTB to range from $100.24 to $188.84 through 2033. The $132.74 average target implies a +166% move from current prices. That is up +9% on the projected 2032 average. Momentum favours further upside here.
The NBTB price prediction for 2034 points to an average of $136.45 (low $102.02, high $196.43) — a potential gain of +173% on today's $49.95. Buyers look set to stay in control over this stretch.
In 2035, NBTB is projected to trade between $114.29 and $224.61, averaging $154.31 — a potential gain of +209% from today's $49.95. That is up +13% on the projected 2034 average. Momentum favours further upside here.
NBT Bancorp Inc.'s 2040 outlook centres on $244.02, within a $173.29 to $372.23 range. That is up +58% on the projected 2035 average. That marks a +389% change versus current levels. Buyers look set to stay in control over this stretch.
By 2050, NBTB could reach as high as $807.78, with a base case around $494.03 and support toward $327.12 — roughly +889% from $49.95. Momentum favours further upside here.
Investing $1,000 in NBTB today (≈ 20.02002 NBTB) could be worth
$9,890.4
+$8,890.4 (+889%) by 2050 · US Dollar
Based on the average projected NBTB price of $494.03 in 2050.
Based on the base (average) forecast scenario. FX rates are indicative. Estimates only — not financial advice.
See what a past investment in NBTBwould be worth at today's price.
$1,000 invested in NBTB on Jul 10, 2025 (≈ 22.70663 NBTB) would be worth
$1,134.2
+$134.2 (+13.4%) today · 1.13× · US Dollar
Based on a NBTB entry price of $44.04 vs. today's $49.95.
| Invested | Entry price | Value today | Return |
|---|---|---|---|
| 1 week ago | $50.08 | $997.4 | -0.3% |
| 1 month ago | $47.47 | $1,052.24 | +5.2% |
| 3 months ago | $45.16 | $1,106.07 | +10.6% |
| 6 months ago | $42.53 | $1,174.47 | +17.4% |
| 1 year ago | $44.04 | $1,134.2 | +13.4% |
| All time (5.0y) ago | $34.24 | $1,458.82 | +45.9% |
Past performance from historical market data — it does not predict future results. FX rates are indicative. Not financial advice.
Enter a price to see how it sits against our NBTB forecast.
Our base-case forecast reaches $100.00 around 2031.
Implied market cap at $100.00: $5.2B
In the 2026 forecast, the minimum price is $40.62, the average is $50.25, and the maximum is $65.02, with 0% ROI and neutral sentiment. From 2027 onward, the averages rise to $61.17 (2027), $64.13 (2028), $70.77 (2029), and $83.86 (2030), with ROIs of 21.7%, 27.6%, 40.8%, and 66.9% respectively and bullish sentiment. The trajectory continues with 2031 at $97.43 (ROI 93.9%), 2032 at $115.62 (ROI 130.1%), 2033 at $125.19 (ROI 149.1%), 2034 at $128.96 (ROI 156.6%), and 2035 at $145.14 (ROI 188.8%).
By 2040, the forecast shows an average of $224.13 (min $159.13, max $341.95) with ROI 346 and bullish sentiment, and by 2050 an average of $449.13 (min $297.34, max $734.48) with ROI 793.8 and bullish sentiment. These are forecasted estimates and not guarantees."
Tap a question to reveal the answer.
2030 min $65.49, avg $83.86, max $114.37 with ROI 66.9% and bullish sentiment.
Forecasts show bullish sentiment from 2027 onward, with rising averages: 2027 avg $61.17 (ROI 21.7%), 2028 avg $64.13 (ROI 27.6%), 2029 avg $70.77 (ROI 40.8%), and 2030 avg $83.86 (ROI 66.9%)."
Yes. The forecast includes 2031 max $134.95, 2032 max $162.44, 2033 max $178.14, 2034 max $185.70, and 2035 max $211.32, with continued upside to 2040 max $341.95 and 2050 max $734.48.
The 30-day range is $46.57 to $54.23, with support at $44.79 and resistance at $50.25.
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