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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 0.29
NBTB's Cash to Debt is ranked higher than
59% of the 1566 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. NBTB: 0.29 )
NBTB' s 10-Year Cash to Debt Range
Min: 0.13   Max: 1.2
Current: 0.29

0.13
1.2
Equity to Asset 0.11
NBTB's Equity to Asset is ranked higher than
75% of the 2010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. NBTB: 0.11 )
NBTB' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.11
Current: 0.11

0.07
0.11
Interest Coverage 2.94
NBTB's Interest Coverage is ranked higher than
83% of the 1837 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. NBTB: 2.94 )
NBTB' s 10-Year Interest Coverage Range
Min: 0.04   Max: 2.94
Current: 2.94

0.04
2.94
F-Score: 5
Z-Score: 0.27
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 (%) 29.82
NBTB's Operating margin (%) is ranked higher than
76% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.33 vs. NBTB: 29.82 )
NBTB' s 10-Year Operating margin (%) Range
Min: 2.64   Max: 37.82
Current: 29.82

2.64
37.82
Net-margin (%) 19.91
NBTB's Net-margin (%) is ranked higher than
72% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.41 vs. NBTB: 19.91 )
NBTB' s 10-Year Net-margin (%) Range
Min: 2.31   Max: 26.51
Current: 19.91

2.31
26.51
ROE (%) 8.95
NBTB's ROE (%) is ranked higher than
77% of the 2031 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. NBTB: 8.95 )
NBTB' s 10-Year ROE (%) Range
Min: 1.39   Max: 21.19
Current: 8.95

1.39
21.19
ROA (%) 0.96
NBTB's ROA (%) is ranked higher than
80% of the 2034 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. NBTB: 0.96 )
NBTB' s 10-Year ROA (%) Range
Min: 0.1   Max: 2.09
Current: 0.96

0.1
2.09
ROC (Joel Greenblatt) (%) 34.32
NBTB's ROC (Joel Greenblatt) (%) is ranked higher than
61% of the 2003 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.89 vs. NBTB: 34.32 )
NBTB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 4.95   Max: 117.22
Current: 34.32

4.95
117.22
Revenue Growth (%) -1.00
NBTB's Revenue Growth (%) is ranked higher than
69% of the 1740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. NBTB: -1.00 )
NBTB' s 10-Year Revenue Growth (%) Range
Min: -3.8   Max: 13.6
Current: -1

-3.8
13.6
EBITDA Growth (%) -1.10
NBTB's EBITDA Growth (%) is ranked higher than
65% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. NBTB: -1.10 )
NBTB' s 10-Year EBITDA Growth (%) Range
Min: -48.8   Max: 105.8
Current: -1.1

-48.8
105.8
EPS Growth (%) -4.20
NBTB's EPS Growth (%) is ranked higher than
62% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. NBTB: -4.20 )
NBTB' s 10-Year EPS Growth (%) Range
Min: -57.4   Max: 139.4
Current: -4.2

-57.4
139.4
» NBTB's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

NBTB Guru Trades in Q4 2013

Paul Tudor Jones 20,943 sh (New)
David Dreman 93,358 sh (+8.29%)
» More
Q1 2014

NBTB Guru Trades in Q1 2014

David Dreman 96,322 sh (+3.17%)
Paul Tudor Jones Sold Out
» More
Q2 2014

NBTB Guru Trades in Q2 2014

Paul Tudor Jones 21,666 sh (New)
David Dreman 94,305 sh (-2.09%)
» More
Q3 2014

NBTB Guru Trades in Q3 2014

David Dreman 95,469 sh (+1.23%)
Paul Tudor Jones Sold Out
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
David Dreman 2013-09-30 Reduce -70.97%0.13%$21.21 - $23.21 $ 25.6815%86212
David Dreman 2012-03-31 Add 56.58%0.06%$20.76 - $23.89 $ 25.6822%340076
David Dreman 2011-12-31 New Buy0.11%$17.6 - $22.56 $ 25.6823%217191
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 15.30
NBTB's P/E(ttm) is ranked higher than
79% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. NBTB: 15.30 )
NBTB' s 10-Year P/E(ttm) Range
Min: 9.09   Max: 20.93
Current: 15.3

9.09
20.93
P/B 1.30
NBTB's P/B is ranked higher than
74% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. NBTB: 1.30 )
NBTB' s 10-Year P/B Range
Min: 1.08   Max: 2.61
Current: 1.3

1.08
2.61
P/S 3.00
NBTB's P/S is ranked higher than
79% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. NBTB: 3.00 )
NBTB' s 10-Year P/S Range
Min: 1.97   Max: 4.6
Current: 3

1.97
4.6
PFCF 13.70
NBTB's PFCF is ranked higher than
82% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. NBTB: 13.70 )
NBTB' s 10-Year PFCF Range
Min: 6.81   Max: 20.32
Current: 13.7

6.81
20.32
EV-to-EBIT 13.92
NBTB's EV-to-EBIT is ranked higher than
80% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.47 vs. NBTB: 13.92 )
NBTB' s 10-Year EV-to-EBIT Range
Min: 11.6   Max: 24.1
Current: 13.92

11.6
24.1
PEG 30.40
NBTB's PEG is ranked higher than
82% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. NBTB: 30.40 )
NBTB' s 10-Year PEG Range
Min: 0.44   Max: 351.25
Current: 30.4

0.44
351.25
Shiller P/E 15.30
NBTB's Shiller P/E is ranked higher than
91% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. NBTB: 15.30 )
NBTB' s 10-Year Shiller P/E Range
Min: 9.49   Max: 23.95
Current: 15.3

9.49
23.95

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.30
NBTB's Dividend Yield is ranked higher than
72% of the 1876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.32 vs. NBTB: 3.30 )
NBTB' s 10-Year Dividend Yield Range
Min: 2.36   Max: 4.99
Current: 3.3

2.36
4.99
Dividend Payout 0.50
NBTB's Dividend Payout is ranked higher than
66% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. NBTB: 0.50 )
NBTB' s 10-Year Dividend Payout Range
Min: 0.3   Max: 4.25
Current: 0.5

0.3
4.25
Dividend growth (3y) 0.40
NBTB's Dividend growth (3y) is ranked higher than
69% of the 1127 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 vs. NBTB: 0.40 )
NBTB' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 24.2
Current: 0.4

0
24.2
Yield on cost (5-Year) 3.45
NBTB's Yield on cost (5-Year) is ranked higher than
64% of the 1889 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.53 vs. NBTB: 3.45 )
NBTB' s 10-Year Yield on cost (5-Year) Range
Min: 2.4   Max: 5.07
Current: 3.45

2.4
5.07
Share Buyback Rate -7.10
NBTB's Share Buyback Rate is ranked higher than
61% of the 1472 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. NBTB: -7.10 )
NBTB' s 10-Year Share Buyback Rate Range
Min: 2.9   Max: -34.4
Current: -7.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.96
NBTB's Price/Tangible Book is ranked higher than
67% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. NBTB: 1.96 )
NBTB' s 10-Year Price/Tangible Book Range
Min: 1.34   Max: 6.75
Current: 1.96

1.34
6.75
Price/DCF (Projected) 0.80
NBTB's Price/DCF (Projected) is ranked higher than
83% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.09 vs. NBTB: 0.80 )
NBTB' s 10-Year Price/DCF (Projected) Range
Min: 0.47   Max: 1.76
Current: 0.8

0.47
1.76
Price/Median PS Value 1.03
NBTB's Price/Median PS Value is ranked higher than
86% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. NBTB: 1.03 )
NBTB' s 10-Year Price/Median PS Value Range
Min: 0.75   Max: 1.61
Current: 1.03

0.75
1.61
Price/Graham Number 1.15
NBTB's Price/Graham Number is ranked higher than
74% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. NBTB: 1.15 )
NBTB' s 10-Year Price/Graham Number Range
Min: 0.8   Max: 4.11
Current: 1.15

0.8
4.11
Earnings Yield (Greenblatt) 7.10
NBTB's Earnings Yield (Greenblatt) is ranked higher than
77% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. NBTB: 7.10 )
NBTB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.1   Max: 8.6
Current: 7.1

4.1
8.6
Forward Rate of Return (Yacktman) 10.43
NBTB's Forward Rate of Return (Yacktman) is ranked higher than
67% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. NBTB: 10.43 )
NBTB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 3.9   Max: 38.4
Current: 10.43

3.9
38.4

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » 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
Shares of NBT Bancor Oct 10 2011 
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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