Roiver Score™ for
NBTBNBT Bancorp Inc
Based on the annual report for the fiscal year ended December 31, 2025.
NBT Bancorp Inc (NBTB) scores 34/100 (Mixed) on the Roiver Score, a transparent quality composite, based on its annual report for the fiscal year ended December 31, 2025. Its strongest area is capital strength; its weakest is efficiency. The score measures business quality, not timing — it's a signal, not a recommendation.
No black box
Roiver Score is a transparent 0–100 quality composite. Five components, each scored 0–20. If one can't be measured from a company's filings, the score is scaled from the ones that can (at least three are required). Banks, insurers and REITs are scored on measures suited to them. Inspired by Piotroski's F-Score, Altman's Z-Score, and the Buffett/Munger framework on quality compounders at fair prices. Read the full methodology →
Frequently asked about NBTB
What is NBTB's Roiver Score?
NBT Bancorp Inc scores 34 out of 100 (Mixed). Based on the annual report for the fiscal year ended December 31, 2025.
How is the Roiver Score for NBTB calculated?
It combines profitability, capital strength, efficiency, valuation and stability into a transparent 0–100 composite. Five components, each scored 0–20. If one can't be measured from a company's filings, the score is scaled from the ones that can (at least three are required). NBT Bancorp Inc is scored with the bank model: This score uses measures suited to banks in place of the standard five, because ratios like debt-to-equity mean something different for them. The full methodology is published.
Is NBTB a good quality stock?
On quality, NBTB rates "Mixed" (34/100). Its strongest driver is capital strength and its weakest is efficiency. Quality is one input to a decision, not a buy/sell call.
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Educational use only. Roiver Score is a quality signal, not a recommendation.