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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.21
NBTB's Cash to Debt is ranked lower than
84% of the 1161 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.56 vs. NBTB: 0.21 )
Ranked among companies with meaningful Cash to Debt only.
NBTB' s Cash to Debt Range Over the Past 10 Years
Min: 0.13  Med: 0.25 Max: 0.44
Current: 0.21
0.13
0.44
Equity to Asset 0.11
NBTB's Equity to Asset is ranked higher than
60% of the 1653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NBTB: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
NBTB' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.09 Max: 0.11
Current: 0.11
0.07
0.11
Interest Coverage 5.66
NBTB's Interest Coverage is ranked higher than
83% of the 1537 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. NBTB: 5.66 )
Ranked among companies with meaningful Interest Coverage only.
NBTB' s Interest Coverage Range Over the Past 10 Years
Min: 0.51  Med: 1.73 Max: 5.66
Current: 5.66
0.51
5.66
F-Score: 5
M-Score: -2.51
WACC vs ROIC
6.49%
5.78%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 31.43
NBTB's Operating margin (%) is ranked higher than
50% of the 1671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.24 vs. NBTB: 31.43 )
Ranked among companies with meaningful Operating margin (%) only.
NBTB' s Operating margin (%) Range Over the Past 10 Years
Min: 26.26  Med: 28.97 Max: 37.7
Current: 31.43
26.26
37.7
Net-margin (%) 20.59
NBTB's Net-margin (%) is ranked lower than
58% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.66 vs. NBTB: 20.59 )
Ranked among companies with meaningful Net-margin (%) only.
NBTB' s Net-margin (%) Range Over the Past 10 Years
Min: 18.09  Med: 20.32 Max: 26.33
Current: 20.59
18.09
26.33
ROE (%) 8.73
NBTB's ROE (%) is ranked higher than
52% of the 1669 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.48 vs. NBTB: 8.73 )
Ranked among companies with meaningful ROE (%) only.
NBTB' s ROE (%) Range Over the Past 10 Years
Min: 8.75  Med: 10.93 Max: 15.17
Current: 8.73
8.75
15.17
ROA (%) 0.95
NBTB's ROA (%) is ranked higher than
54% of the 1679 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. NBTB: 0.95 )
Ranked among companies with meaningful ROA (%) only.
NBTB' s ROA (%) Range Over the Past 10 Years
Min: 0.9  Med: 0.98 Max: 1.18
Current: 0.95
0.9
1.18
Revenue Growth (3Y)(%) -1.10
NBTB's Revenue Growth (3Y)(%) is ranked lower than
70% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. NBTB: -1.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NBTB' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -3.8  Med: 3.60 Max: 9.4
Current: -1.1
-3.8
9.4
EBITDA Growth (3Y)(%) 4.30
NBTB's EBITDA Growth (3Y)(%) is ranked lower than
57% of the 1261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. NBTB: 4.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NBTB' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -49.1  Med: 2.50 Max: 107.1
Current: 4.3
-49.1
107.1
EPS Growth (3Y)(%) 2.10
NBTB's EPS Growth (3Y)(%) is ranked lower than
66% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. NBTB: 2.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NBTB' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -57.4  Med: 2.10 Max: 139.4
Current: 2.1
-57.4
139.4
» NBTB's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2015

NBTB Guru Trades in Q1 2015

Jim Simons 53,300 sh (+128.76%)
David Dreman 109,831 sh (+8.39%)
» More
Q2 2015

NBTB Guru Trades in Q2 2015

Jim Simons 80,800 sh (+51.59%)
David Dreman 119,662 sh (+8.95%)
» More
Q3 2015

NBTB Guru Trades in Q3 2015

Jim Simons 104,500 sh (+29.33%)
David Dreman Sold Out
» More
Q4 2015

NBTB Guru Trades in Q4 2015

Jim Simons 135,800 sh (+29.95%)
» More
» Details

Insider Trades

Latest Guru Trades with NBTB

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 16.55
NBTB's P/E(ttm) is ranked lower than
69% of the 1567 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.61 vs. NBTB: 16.55 )
Ranked among companies with meaningful P/E(ttm) only.
NBTB' s P/E(ttm) Range Over the Past 10 Years
Min: 9.09  Med: 14.16 Max: 20.93
Current: 16.55
9.09
20.93
Forward P/E 14.95
NBTB's Forward P/E is ranked lower than
84% of the 365 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.66 vs. NBTB: 14.95 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 16.55
NBTB's PE(NRI) is ranked lower than
68% of the 1567 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.57 vs. NBTB: 16.55 )
Ranked among companies with meaningful PE(NRI) only.
NBTB' s PE(NRI) Range Over the Past 10 Years
Min: 9.11  Med: 14.15 Max: 20.89
Current: 16.55
9.11
20.89
Price/Owner Earnings (ttm) 11.77
NBTB's Price/Owner Earnings (ttm) is ranked higher than
53% of the 878 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.23 vs. NBTB: 11.77 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
NBTB' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 8.3  Med: 13.87 Max: 28.42
Current: 11.77
8.3
28.42
P/B 1.44
NBTB's P/B is ranked lower than
73% of the 1635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. NBTB: 1.44 )
Ranked among companies with meaningful P/B only.
NBTB' s P/B Range Over the Past 10 Years
Min: 1.08  Med: 1.42 Max: 2.61
Current: 1.44
1.08
2.61
P/S 3.37
NBTB's P/S is ranked lower than
59% of the 1630 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. NBTB: 3.37 )
Ranked among companies with meaningful P/S only.
NBTB' s P/S Range Over the Past 10 Years
Min: 1.96  Med: 2.88 Max: 4.45
Current: 3.37
1.96
4.45
PFCF 10.88
NBTB's PFCF is ranked lower than
53% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. NBTB: 10.88 )
Ranked among companies with meaningful PFCF only.
NBTB' s PFCF Range Over the Past 10 Years
Min: 6.8  Med: 10.69 Max: 15.25
Current: 10.88
6.8
15.25
POCF 10.18
NBTB's POCF is ranked lower than
57% of the 970 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.10 vs. NBTB: 10.18 )
Ranked among companies with meaningful POCF only.
NBTB' s POCF Range Over the Past 10 Years
Min: 6.52  Med: 9.73 Max: 13.76
Current: 10.18
6.52
13.76
EV-to-EBIT 15.09
NBTB's EV-to-EBIT is ranked lower than
57% of the 1501 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.32 vs. NBTB: 15.09 )
Ranked among companies with meaningful EV-to-EBIT only.
NBTB' s EV-to-EBIT Range Over the Past 10 Years
Min: 11.6  Med: 16.30 Max: 24.1
Current: 15.09
11.6
24.1
EV-to-EBITDA 13.53
NBTB's EV-to-EBITDA is ranked lower than
56% of the 1503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.32 vs. NBTB: 13.53 )
Ranked among companies with meaningful EV-to-EBITDA only.
NBTB' s EV-to-EBITDA Range Over the Past 10 Years
Min: 10.4  Med: 14.80 Max: 22.1
Current: 13.53
10.4
22.1
PEG 5.66
NBTB's PEG is ranked lower than
89% of the 724 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.07 vs. NBTB: 5.66 )
Ranked among companies with meaningful PEG only.
NBTB' s PEG Range Over the Past 10 Years
Min: 0.43  Med: 7.96 Max: 281
Current: 5.66
0.43
281
Shiller P/E 16.29
NBTB's Shiller P/E is ranked higher than
56% of the 502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.24 vs. NBTB: 16.29 )
Ranked among companies with meaningful Shiller P/E only.
NBTB' s Shiller P/E Range Over the Past 10 Years
Min: 10.69  Med: 14.58 Max: 23.18
Current: 16.29
10.69
23.18

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.11
NBTB's Dividend Yield is ranked higher than
53% of the 2089 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. NBTB: 3.11 )
Ranked among companies with meaningful Dividend Yield only.
NBTB' s Dividend Yield Range Over the Past 10 Years
Min: 2.36  Med: 3.46 Max: 4.99
Current: 3.11
2.36
4.99
Dividend Payout 0.51
NBTB's Dividend Payout is ranked lower than
76% of the 1265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. NBTB: 0.51 )
Ranked among companies with meaningful Dividend Payout only.
NBTB' s Dividend Payout Range Over the Past 10 Years
Min: 0.36  Med: 0.49 Max: 6.18
Current: 0.51
0.36
6.18
Dividend Growth (3y) 2.80
NBTB's Dividend Growth (3y) is ranked lower than
69% of the 746 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.90 vs. NBTB: 2.80 )
Ranked among companies with meaningful Dividend Growth (3y) only.
NBTB' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 1.70 Max: 24.2
Current: 2.8
0
24.2
Forward Dividend Yield 3.10
NBTB's Forward Dividend Yield is ranked lower than
51% of the 1957 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. NBTB: 3.10 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.38
NBTB's Yield on cost (5-Year) is ranked higher than
50% of the 2483 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.46 vs. NBTB: 3.38 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
NBTB' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.57  Med: 3.76 Max: 5.43
Current: 3.38
2.57
5.43
3-Year Average Share Buyback Ratio -9.60
NBTB's 3-Year Average Share Buyback Ratio is ranked lower than
76% of the 1111 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. NBTB: -9.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
NBTB' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -34.4  Med: -1.20 Max: 0.8
Current: -9.6
-34.4
0.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.06
NBTB's Price/Tangible Book is ranked lower than
85% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. NBTB: 2.06 )
Ranked among companies with meaningful Price/Tangible Book only.
NBTB' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.55  Med: 2.24 Max: 3.43
Current: 2.06
1.55
3.43
Price/Projected FCF 0.80
NBTB's Price/Projected FCF is ranked lower than
65% of the 881 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. NBTB: 0.80 )
Ranked among companies with meaningful Price/Projected FCF only.
NBTB' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.58  Med: 0.86 Max: 1.76
Current: 0.8
0.58
1.76
Price/Median PS Value 1.18
NBTB's Price/Median PS Value is ranked lower than
71% of the 1530 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.02 vs. NBTB: 1.18 )
Ranked among companies with meaningful Price/Median PS Value only.
NBTB' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.81  Med: 1.10 Max: 1.55
Current: 1.18
0.81
1.55
Price/Graham Number 1.23
NBTB's Price/Graham Number is ranked lower than
81% of the 1455 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. NBTB: 1.23 )
Ranked among companies with meaningful Price/Graham Number only.
NBTB' s Price/Graham Number Range Over the Past 10 Years
Min: 0.94  Med: 1.24 Max: 3.6
Current: 1.23
0.94
3.6
Earnings Yield (Greenblatt) (%) 6.63
NBTB's Earnings Yield (Greenblatt) (%) is ranked lower than
51% of the 1641 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. NBTB: 6.63 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
NBTB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 4.1  Med: 6.10 Max: 8.6
Current: 6.63
4.1
8.6
Forward Rate of Return (Yacktman) (%) 11.18
NBTB's Forward Rate of Return (Yacktman) (%) is ranked lower than
55% of the 839 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.21 vs. NBTB: 11.18 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
NBTB' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 6.7  Med: 10.80 Max: 40.4
Current: 11.18
6.7
40.4

More Statistics

Revenue(Mil) $371
EPS $ 1.72
Beta0.90
Short Percentage of Float3.27%
52-Week Range $23.75 - 30.53
Shares Outstanding(Mil)43.13

Analyst Estimate

Dec16 Dec17
Revenue(Mil)
EPS($) 1.83 1.90
EPS without NRI($) 1.83 1.90

Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:EGBN, NAS:SSB, NAS:TRMK, NYSE:GWB, NAS:NPBC, NAS:ONB » details
NBT Bancorp Inc is a registered financial holding company incorporated in the state of Delaware in 1986. The Company's business, mainly conducted through the Bank and its other subsidiaries. It is engaged in providing commercial banking and financial services to customers in its market area, which includes central and upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts and the greater Burlington, Vermont area. Through its network of branch locations, the Bank offers products and services tailored to individuals, businesses, and municipalities. Deposit products offered by the Bank include demand deposit accounts, savings accounts, negotiable order of withdrawal ('NOW') accounts, money market deposit accounts ('MMDA'), and certificate of deposit ('CD') accounts. The Bank offers various types of each deposit account to accommodate the needs of its customers with varying rates, terms, and features. Loan products offered by the Bank include consumer loans, home equity loans, mortgages, small business loans and commercial loans, with varying rates, terms and features to accommodate the needs of its customers. The Bank also offers various other products and services through its branch network such as trust and investment services and financial planning and life insurance services. In addition to its branch network, the Bank also offers access to certain products and services online enabling customers to check balances, transfer funds, pay bills, view statements, apply for loans and access various other product and service information. The Bank provides 24-hour access to an automated telephone line whereby customers can check balances, obtain interest information, transfer funds, request statements, and perform various other activities. Through NBT Financial Services, the Company operates EPIC Advisors, Inc. ('EPIC'), a retirement plan administrator. Through EPIC, the Company offers services including retirement plan consulting and recordkeeping services. Through NBT Holdings, the Company operates Mang Insurance Agency, LLC ('Mang'), an insurance agency. Through Mang, the Company offers insurance products, including personal property and casualty, business liability and commercial insurance, tailored to serve the specific insurance needs of individuals as well as businesses in a range of industries operating in the markets served by the Company. The Company competes for loans, deposits, and customers with other commercial banks, savings and loan associations, securities and brokerage companies, mortgage companies, insurance companies, finance companies, money market funds, credit unions, and other nonbank financial service providers. As a bank holding company, the Company is subject to regulation, supervision and examination by the Board of Governors of the Federal Reserve System as its primary federal regulator.
» More Articles for NBTB

Headlines

Articles On GuruFocus.com
NBT Bancorp Inc. Reports Operating Results (10-K) Mar 01 2011 
NBT Bancorp Inc. (NBTB) President & CEO NBT Bancorp Martin A Dietrich sells 2,554 Shares Feb 09 2011 
NBT Bancorp Inc. (NBTB) President & CEO Pennstar David E Raven sells 2,487 Shares Jan 28 2011 
NBT Bancorp Inc. Reports Operating Results (10-Q) Aug 09 2010 
NBT Bancorp Inc. Reports Operating Results (10-Q) May 10 2010 
NBT Bancorp Inc. Reports Operating Results (10-Q) Aug 10 2009 

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