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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 0.34
NBTB's Cash to Debt is ranked lower than
76% of the 980 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.53 vs. NBTB: 0.34 )
Ranked among companies with meaningful Cash to Debt only.
NBTB' s 10-Year Cash to Debt Range
Min: 0.13  Med: 0.25 Max: 0.62
Current: 0.34
0.13
0.62
Equity to Asset 0.11
NBTB's Equity to Asset is ranked higher than
58% of the 1337 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 10-Year Equity to Asset Range
Min: 0.07  Med: 0.09 Max: 0.11
Current: 0.11
0.07
0.11
Interest Coverage 4.84
NBTB's Interest Coverage is ranked higher than
79% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. NBTB: 4.84 )
Ranked among companies with meaningful Interest Coverage only.
NBTB' s 10-Year Interest Coverage Range
Min: 0.04  Med: 0.80 Max: 4.84
Current: 4.84
0.04
4.84
F-Score: 6
WACC vs ROIC
7.33%
5.62%
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 (%) 29.82
NBTB's Operating margin (%) is ranked higher than
50% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.01 vs. NBTB: 29.82 )
Ranked among companies with meaningful Operating margin (%) only.
NBTB' s 10-Year Operating margin (%) Range
Min: 2.64  Med: 32.30 Max: 37.82
Current: 29.82
2.64
37.82
Net-margin (%) 19.86
NBTB's Net-margin (%) is ranked lower than
56% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.75 vs. NBTB: 19.86 )
Ranked among companies with meaningful Net-margin (%) only.
NBTB' s 10-Year Net-margin (%) Range
Min: 2.31  Med: 21.92 Max: 26.51
Current: 19.86
2.31
26.51
ROE (%) 8.77
NBTB's ROE (%) is ranked higher than
53% of the 1407 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. NBTB: 8.77 )
Ranked among companies with meaningful ROE (%) only.
NBTB' s 10-Year ROE (%) Range
Min: 1.39  Med: 12.56 Max: 21.19
Current: 8.77
1.39
21.19
ROA (%) 0.96
NBTB's ROA (%) is ranked higher than
59% of the 1416 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. NBTB: 0.96 )
Ranked among companies with meaningful ROA (%) only.
NBTB' s 10-Year ROA (%) Range
Min: 0.1  Med: 1.09 Max: 2.09
Current: 0.96
0.1
2.09
Revenue Growth (3Y)(%) 1.00
NBTB's Revenue Growth (3Y)(%) is ranked lower than
55% of the 1186 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. NBTB: 1.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NBTB' s 10-Year Revenue Growth (3Y)(%) Range
Min: -3.8  Med: 4.10 Max: 13.6
Current: 1
-3.8
13.6
EBITDA Growth (3Y)(%) 3.10
NBTB's EBITDA Growth (3Y)(%) is ranked lower than
63% of the 1046 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. NBTB: 3.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NBTB' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -48.8  Med: 2.40 Max: 105.8
Current: 3.1
-48.8
105.8
EPS Growth (3Y)(%) -0.40
NBTB's EPS Growth (3Y)(%) is ranked lower than
71% of the 1055 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.40 vs. NBTB: -0.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NBTB' s 10-Year EPS Growth (3Y)(%) Range
Min: -57.4  Med: 3.20 Max: 139.4
Current: -0.4
-57.4
139.4
» NBTB's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q4 2014

NBTB Guru Trades in Q4 2014

Jim Simons 23,300 sh (New)
David Dreman 101,332 sh (+6.14%)
» More
Q1 2015

NBTB Guru Trades in Q1 2015

Jim Simons 53,300 sh (+128.76%)
David Dreman 109,831 sh (+8.39%)
» 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) 15.95
NBTB's P/E(ttm) is ranked lower than
59% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.20 vs. NBTB: 15.95 )
Ranked among companies with meaningful P/E(ttm) only.
NBTB' s 10-Year P/E(ttm) Range
Min: 9.09  Med: 14.14 Max: 20.93
Current: 15.95
9.09
20.93
Forward P/E 14.81
NBTB's Forward P/E is ranked lower than
75% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.18 vs. NBTB: 14.81 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 15.80
NBTB's PE(NRI) is ranked lower than
60% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.20 vs. NBTB: 15.80 )
Ranked among companies with meaningful PE(NRI) only.
NBTB' s 10-Year PE(NRI) Range
Min: 9.11  Med: 14.13 Max: 20.89
Current: 15.8
9.11
20.89
P/B 1.35
NBTB's P/B is ranked lower than
69% of the 1359 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. NBTB: 1.35 )
Ranked among companies with meaningful P/B only.
NBTB' s 10-Year P/B Range
Min: 1.08  Med: 1.50 Max: 2.61
Current: 1.35
1.08
2.61
P/S 3.18
NBTB's P/S is ranked lower than
55% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. NBTB: 3.18 )
Ranked among companies with meaningful P/S only.
NBTB' s 10-Year P/S Range
Min: 1.97  Med: 2.89 Max: 4.6
Current: 3.18
1.97
4.6
PFCF 15.57
NBTB's PFCF is ranked lower than
66% of the 813 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.28 vs. NBTB: 15.57 )
Ranked among companies with meaningful PFCF only.
NBTB' s 10-Year PFCF Range
Min: 6.85  Med: 10.68 Max: 15.57
Current: 15.57
6.85
15.57
POCF 14.03
NBTB's POCF is ranked lower than
71% of the 923 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.67 vs. NBTB: 14.03 )
Ranked among companies with meaningful POCF only.
NBTB' s 10-Year POCF Range
Min: 6.59  Med: 9.63 Max: 14.03
Current: 14.03
6.59
14.03
EV-to-EBIT 13.06
NBTB's EV-to-EBIT is ranked higher than
54% of the 1271 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.91 vs. NBTB: 13.06 )
Ranked among companies with meaningful EV-to-EBIT only.
NBTB' s 10-Year EV-to-EBIT Range
Min: 11.6  Med: 16.80 Max: 24.1
Current: 13.06
11.6
24.1
PEG 7.52
NBTB's PEG is ranked lower than
93% of the 582 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. NBTB: 7.52 )
Ranked among companies with meaningful PEG only.
NBTB' s 10-Year PEG Range
Min: 0.44  Med: 6.41 Max: 351.25
Current: 7.52
0.44
351.25
Shiller P/E 15.98
NBTB's Shiller P/E is ranked higher than
54% of the 769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.77 vs. NBTB: 15.98 )
Ranked among companies with meaningful Shiller P/E only.
NBTB' s 10-Year Shiller P/E Range
Min: 9.49  Med: 13.89 Max: 23.74
Current: 15.98
9.49
23.74

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.14
NBTB's Dividend Yield is ranked higher than
60% of the 2216 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. NBTB: 3.14 )
Ranked among companies with meaningful Dividend Yield only.
NBTB' s 10-Year Dividend Yield Range
Min: 2.36  Med: 3.46 Max: 4.99
Current: 3.14
2.36
4.99
Dividend Payout 0.50
NBTB's Dividend Payout is ranked lower than
74% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. NBTB: 0.50 )
Ranked among companies with meaningful Dividend Payout only.
NBTB' s 10-Year Dividend Payout Range
Min: 0.3  Med: 0.48 Max: 4.25
Current: 0.5
0.3
4.25
Dividend growth (3y) 1.60
NBTB's Dividend growth (3y) is ranked lower than
70% of the 664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. NBTB: 1.60 )
Ranked among companies with meaningful Dividend growth (3y) only.
NBTB' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 1.70 Max: 24.2
Current: 1.6
0
24.2
Yield on cost (5-Year) 3.26
NBTB's Yield on cost (5-Year) is ranked higher than
53% of the 2229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.07 vs. NBTB: 3.26 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
NBTB' s 10-Year Yield on cost (5-Year) Range
Min: 2.46  Med: 3.60 Max: 5.19
Current: 3.26
2.46
5.19
Share Buyback Rate -9.40
NBTB's Share Buyback Rate is ranked lower than
75% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. NBTB: -9.40 )
Ranked among companies with meaningful Share Buyback Rate only.
NBTB' s 10-Year Share Buyback Rate Range
Min: 0.8  Med: -1.20 Max: -34.4
Current: -9.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.01
NBTB's Price/Tangible Book is ranked lower than
84% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. NBTB: 2.01 )
Ranked among companies with meaningful Price/Tangible Book only.
NBTB' s 10-Year Price/Tangible Book Range
Min: 1.18  Med: 2.22 Max: 6.75
Current: 2.01
1.18
6.75
Price/Projected FCF 0.80
NBTB's Price/Projected FCF is ranked lower than
60% of the 749 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. NBTB: 0.80 )
Ranked among companies with meaningful Price/Projected FCF only.
NBTB' s 10-Year Price/Projected FCF Range
Min: 0.47  Med: 0.82 Max: 1.76
Current: 0.8
0.47
1.76
Price/Median PS Value 1.10
NBTB's Price/Median PS Value is ranked lower than
52% of the 1195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. NBTB: 1.10 )
Ranked among companies with meaningful Price/Median PS Value only.
NBTB' s 10-Year Price/Median PS Value Range
Min: 0.76  Med: 1.07 Max: 1.64
Current: 1.1
0.76
1.64
Price/Graham Number 1.19
NBTB's Price/Graham Number is ranked lower than
78% of the 1086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. NBTB: 1.19 )
Ranked among companies with meaningful Price/Graham Number only.
NBTB' s 10-Year Price/Graham Number Range
Min: 0.63  Med: 1.24 Max: 5.03
Current: 1.19
0.63
5.03
Earnings Yield (Greenblatt) (%) 7.65
NBTB's Earnings Yield (Greenblatt) (%) is ranked higher than
59% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. NBTB: 7.65 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
NBTB' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 4.1  Med: 6.00 Max: 8.6
Current: 7.65
4.1
8.6
Forward Rate of Return (Yacktman) (%) 11.21
NBTB's Forward Rate of Return (Yacktman) (%) is ranked lower than
55% of the 764 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.55 vs. NBTB: 11.21 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
NBTB' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 6.7  Med: 10.70 Max: 38.4
Current: 11.21
6.7
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 NAS: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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