Basis: FMP quote price / unrounded FMP forward EPS in the trading currency, available after its recorded retrieval time. Source: stored company filings and market data; unavailable inputs remain N/A.
The forward PE ratio is 12.10 as of 2026-10-06T17:52:31.223Z.
Consensus retrieved: 2026-10-06T14:16:09.403Z. This records retrieval, including cache reads, rather than vendor publication. The calculation uses the separately dated price and estimate available at its as-of time.
Calculation as of: 2026-10-06T17:52:31.223Z.
Quote observation: 2026-10-06T17:50:13.000Z. Amounts in USD. The price header may show a later quote.
FMP input reference: ccd301e706f7f97d882620e656eb6090a90abe5e3aaa7bf4376b78732064632e
Forward PE Ratio (12.10) = Dated Quote Price ($50.52) / Consensus Forward EPS ($4.18)
FORWARD PE RATIO
12.10
SECTOR MEDIAN · FINANCIAL SERVICES
11.15
median of 385 covered companies
CURRENT VS SECTOR MEDIAN
+8.52%
vs the sector median at left
NBT Bancorp Inc.
Market Cap
$2.63B
Forward PE Ratio
12.10
| NAME | MARKET CAP | FORWARD PE RATIO |
|---|---|---|
| NBT Bancorp Inc. (NBTB) | $2.63B | 12.10 |
| Trustmark Corporation (TRMK)vs › | $2.66B | 11.38 |
| The Baldwin Insurance Group, Inc. (BWIN)vs › | $2.58B | 15.83 |
| Merchants Bancorp (MBINM)vs › | $2.53B | 4.55 |
| First Merchants Corporation (FRME)vs › | $2.50B | 12.28 |
| First Busey Corporation (BUSE)vs › | $2.49B | 11.56 |
| Columbia Financial, Inc. (CLBK)vs › | $2.49B | 39.95 |
| First Bancorp (FBNC)vs › | $2.49B | 13.21 |
| Slide Insurance Holdings, Inc. Common Stock (SLDE)vs › | $2.79B | 6.30 |
| First Merchants Corporation (FRMEP)vs › | $2.81B | 7.82 |
Trailing P/E
12.4
reported TTM EPS
Forward P/E
12.1
consensus EPS · fiscal year ending 2026-12-31
The gap between the two multiples is the consensus growth expectation: analysts' forward EPS of $4.18 implies +2.5% EPS growth vs the reported trailing $4.08.
At the dated quote price of $50.52, each upcoming fiscal year's consensus EPS implies a different multiple — how quickly the price is "paid down" by expected earnings if the estimates hold.
| Fiscal year end | Consensus EPS | Estimate range | Analysts | Implied P/E |
|---|---|---|---|---|
| 2026-12-31 | $4.18 | $4.14 – $4.22 | 6 | 12.1x |
| 2027-12-31 | $4.57 | $4.37 – $4.72 | 6 | 11.1x |
| 2028-12-31 | $5.05 | $4.87 – $5.15 | 1 | 10.0x |
Source: FMP analyst consensus estimates, refreshed with the daily precompute. "n/m" = the consensus EPS is not positive, so a multiple is undefined. There is no forward P/E history chart here because charting one would require the estimates as they stood in the past, which we do not store — see the trailing P/E history for how the realized multiple has moved.
PE Ratio = Share Price / Diluted EPS (TTM)
The price-to-earnings ratio measures how much investors pay for each dollar of trailing earnings. A lower PE can indicate a cheaper valuation; a higher PE implies higher growth expectations.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
