Ratios

		vs industry	vs history
P/E(ttm)	14.40	NBTB's P/E(ttm) is ranked higher than 64% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 13.43 vs. NBTB: 14.40 )	NBTB' s 10-Year P/E(ttm) Range Min: 7.99   Max: 166.08 Current: 14.4 7.99 166.08
P/B	1.19	NBTB's P/B is ranked lower than 71% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 0.90 vs. NBTB: 1.19 )	NBTB' s 10-Year P/B Range Min: 0.91   Max: 3.55 Current: 1.19 0.91 3.55
P/S	2.39	NBTB's P/S is ranked lower than 53% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 2.20 vs. NBTB: 2.39 )	NBTB' s 10-Year P/S Range Min: 1.83   Max: 4.6 Current: 2.39 1.83 4.6
PFCF	9.59	NBTB's PFCF is ranked lower than 66% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 6.70 vs. NBTB: 9.59 )	NBTB' s 10-Year PFCF Range Min: 4.96   Max: 17.23 Current: 9.59 4.96 17.23
EV-to-EBIT	23.33	NBTB's EV-to-EBIT is ranked higher than 64% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 16.90 vs. NBTB: 23.33 )	NBTB' s 10-Year EV-to-EBIT Range Min: 11.6   Max: 282.9 Current: 23.33 11.6 282.9
PEG	19.6	NBTB's PEG is ranked higher than 85% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 1.29 vs. NBTB: 19.6 )	NBTB' s 10-Year PEG Range Min: 0.44   Max: 338.75 Current: 19.6 0.44 338.75
Shiller P/E	11.99	NBTB's Shiller P/E is ranked higher than 82% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 14.60 vs. NBTB: 11.99 )	NBTB' s 10-Year Shiller P/E Range Min: 9.49   Max: 24.63 Current: 11.99 9.49 24.63

Dividend & Buy Back

		vs industry	vs history
Dividend Yield	3.90	NBTB's Dividend Yield is ranked higher than 90% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 2.20 vs. NBTB: 3.90 )	NBTB' s 10-Year Dividend Yield Range Min: 2.36   Max: 6.73 Current: 3.9 2.36 6.73
Dividend Payout	0.5	NBTB's Dividend Payout is ranked higher than 64% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 0.42 vs. NBTB: 0.5 )	NBTB' s 10-Year Dividend Payout Range Min: 0.45   Max: 6.18 Current: 0.5 0.45 6.18
Yield on cost (5-Year)	3.90	NBTB's Yield on cost (5-Year) is ranked higher than 87% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 1.92 vs. NBTB: 3.90 )	NBTB' s 10-Year Yield on cost (5-Year) Range Min: 2.36   Max: 6.73 Current: 3.9 2.36 6.73
Share Buyback Rate	0.1	NBTB's Share Buyback Rate is ranked higher than 68% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: -1.75 vs. NBTB: 0.1 )	NBTB' s 10-Year Share Buyback Rate Range Min: 0.6   Max: -26.2 Current: 0.1

Valuation & Return

		vs industry	vs history
Price/Tangible Book	1.7	NBTB's Price/Tangible Book is ranked higher than 93% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 1.00 vs. NBTB: 1.7 )	NBTB' s 10-Year Price/Tangible Book Range Min: 1.7   Max: 3.1 Current: 1.7 1.7 3.1
Price/DCF (Projected)	0.6	NBTB's Price/DCF (Projected) is ranked higher than 80% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 0.50 vs. NBTB: 0.6 )	NBTB' s 10-Year Price/DCF (Projected) Range Min: 0.6   Max: 1.1 Current: 0.6 0.6 1.1
Price/Median PS Value	0.7	NBTB's Price/Median PS Value is ranked higher than 62% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 0.80 vs. NBTB: 0.7 )	NBTB' s 10-Year Price/Median PS Value Range Min: 0.7   Max: 1.4 Current: 0.7 0.7 1.4
Price/Graham Number	1	NBTB's Price/Graham Number is ranked higher than 83% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 0.80 vs. NBTB: 1 )	NBTB' s 10-Year Price/Graham Number Range Min: 1   Max: 3.7 Current: 1 1 3.7
Earnings Yield (Greenblatt)	4.30	NBTB's Earnings Yield (Greenblatt) is ranked higher than 71% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 5.80 vs. NBTB: 4.30 )	NBTB' s 10-Year Earnings Yield (Greenblatt) Range Min: 0.4   Max: 8.6 Current: 4.3 0.4 8.6
Forward Rate of Return (Yacktman)	7.54	NBTB's Forward Rate of Return (Yacktman) is ranked higher than 67% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 15.01 vs. NBTB: 7.54 )	NBTB' s 10-Year Forward Rate of Return (Yacktman) Range Min: 1.4   Max: 41.1 Current: 7.54 1.4 41.1

Business Description

NBT Bancorp Inc., is a registered financial holding company incorporated in the state of Delaware in 1986. The Bank is a full service commercial bank formed in 1856, which provides a broad range of financial products to individuals, corporations and municipalities throughout the central and upstate New York, northeastern Pennsylvania, western Massachusetts and greater Burlington, Vermont market areas. Through its network of branch locations, the Bank offers a wide range of 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. The Bank conducts business through two geographically distinct operating divisions, NBT Bank and Pennstar Bank. At year end 2011, the NBT Bank division had 93 divisional offices and 118 automated teller machines (ATMs), located primarily in central and upstate New York, the Burlington, Vermont area, and Berkshire County, Massachusetts and At year end 2011, the Pennstar Bank division had 35 divisional offices and 47 ATMs, located primarily in northeastern Pennsylvania. The Bank has five operating subsidiaries, NBT Capital Corp., Pennstar Bank Services Company, Broad Street Property Associates, Inc., NBT Services, Inc., and CNB Realty Trust. NBT Capital Corp., formed in 1998, is a venture capital corporation formed to assist young businesses to develop and grow primarily in the markets they serve. Pennstar Bank Services Company, formed in 2002, provides administrative and support services to the Pennstar Bank division of the Bank. Broad Street Property Associates, Inc., formed in 2004, is a property management company. NBT Services, Inc., formed in 2004, has a 44% ownership interest in Land Record Services, LLC. Land Record Services, LLC, a title insurance agency, offers mortgagee and owner's title i
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Industry:	Banks - Regional - US
Compare:	MTB, USB, PNC, PB, CFR

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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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