NBT Bancorp's 15-minute chart shows MACD Death Cross, KDJ Death Cross.

As of August 13, 2025 at 12:15, NBT Bancorp's 15-minute chart has triggered a MACD Death Cross and KDJ Death Cross, indicating a potential continuation of the downward trend in the stock price. The momentum of the stock price is shifting towards the downside, suggesting a possible further decrease in value.

As of August 13, 2025 at 12:15, NBT Bancorp's 15-minute chart has triggered both the MACD Death Cross and KDJ Death Cross, indicating a potential continuation of the downward trend in the stock price. The momentum of the stock price is shifting towards the downside, suggesting a possible further decrease in value.

The Moving Average Convergence Divergence (MACD) indicator, which measures the relationship between two moving averages of a security's price, has crossed below its signal line, a signal of a bearish trend reversal [1]. Additionally, the KDJ indicator, which measures the momentum of the stock price, has also shown a death cross, reinforcing the bearish trend.

These technical indicators are compounded by broader economic concerns. The U.S. economy added just 73,000 jobs in July, the weakest gain in over two years, while the unemployment rate rose to 4.2%. This dismal data has increased market expectations for a Federal Reserve interest rate cut, which could further compress net interest margins for banks like NBT Bancorp [1].

Moreover, the announcement of new tariffs on imports from 92 countries has sparked fears of a global trade war, which could dampen economic growth and disrupt supply chains. This challenging environment may further impact regional banks such as NBT Bancorp.

Despite these challenges, NBT Bancorp reported strong financial results in its Q2 2025 earnings. The company achieved an operating return on assets of 1.19%, a return on equity of 10.5%, and a return on tangible common equity of 15.25%. The merger with Evans Bancorp contributed significantly to these results, adding approximately $1.7 billion in loans and $1.9 billion in deposits, while also increasing the number of accounts by over 100,000 [2].

However, investors should remain vigilant. The stock market's overreaction to news can present opportunities, but it is essential to approach these situations with caution and a well-researched strategy. Technical indicators and broader economic conditions should be closely monitored to make informed investment decisions.

References:
[1] https://www.ainvest.com/news/nbt-bancorp-15min-chart-macd-death-cross-narrowing-bollinger-bands-2508-52/
[2] https://www.fool.com/earnings/call-transcripts/2025/08/07/nbt-bancorp-nbtb-q2-2025-earnings-transcript/