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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 3.61
NBTF's Cash to Debt is ranked higher than
83% of the 1340 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.26 vs. NBTF: 3.61 )
NBTF' s 10-Year Cash to Debt Range
Min: 0.09   Max: No Debt
Current: 3.61

Equity to Asset 0.11
NBTF's Equity to Asset is ranked higher than
81% of the 1732 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. NBTF: 0.11 )
NBTF' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.11
Current: 0.11

0.06
0.11
Interest Coverage 2.87
NBTF's Interest Coverage is ranked higher than
82% of the 1595 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. NBTF: 2.87 )
NBTF' s 10-Year Interest Coverage Range
Min: 0.1   Max: 2.87
Current: 2.87

0.1
2.87
F-Score: 4
Z-Score: 0.31
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 : 5/10

vs
industry
vs
history
Operating margin (%) 18.93
NBTF's Operating margin (%) is ranked higher than
61% of the 1755 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.45 vs. NBTF: 18.93 )
NBTF' s 10-Year Operating margin (%) Range
Min: -205.7   Max: 29.74
Current: 18.93

-205.7
29.74
Net-margin (%) 15.45
NBTF's Net-margin (%) is ranked higher than
64% of the 1762 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.29 vs. NBTF: 15.45 )
NBTF' s 10-Year Net-margin (%) Range
Min: 7.1   Max: 130.07
Current: 15.45

7.1
130.07
ROE (%) 6.35
NBTF's ROE (%) is ranked higher than
69% of the 1768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. NBTF: 6.35 )
NBTF' s 10-Year ROE (%) Range
Min: 3.19   Max: 15.71
Current: 6.35

3.19
15.71
ROA (%) 0.69
NBTF's ROA (%) is ranked higher than
71% of the 1768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. NBTF: 0.69 )
NBTF' s 10-Year ROA (%) Range
Min: 0.33   Max: 1.28
Current: 0.69

0.33
1.28
ROC (Joel Greenblatt) (%) 33.45
NBTF's ROC (Joel Greenblatt) (%) is ranked higher than
63% of the 1726 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 68.75 vs. NBTF: 33.45 )
NBTF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -54.59   Max: 55.72
Current: 33.45

-54.59
55.72
Revenue Growth (%) -8.70
NBTF's Revenue Growth (%) is ranked higher than
58% of the 1536 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.50 vs. NBTF: -8.70 )
NBTF' s 10-Year Revenue Growth (%) Range
Min: -8.7   Max: 81.9
Current: -8.7

-8.7
81.9
EBITDA Growth (%) -19.70
NBTF's EBITDA Growth (%) is ranked higher than
56% of the 1385 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. NBTF: -19.70 )
NBTF' s 10-Year EBITDA Growth (%) Range
Min: -20.1   Max: 19
Current: -19.7

-20.1
19
EPS Growth (%) -21.70
NBTF's EPS Growth (%) is ranked higher than
56% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. NBTF: -21.70 )
NBTF' s 10-Year EPS Growth (%) Range
Min: -23.6   Max: 30.2
Current: -21.7

-23.6
30.2
» NBTF's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with NBTF

(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) 22.90
NBTF's P/E(ttm) is ranked higher than
55% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.70 vs. NBTF: 22.90 )
NBTF' s 10-Year P/E(ttm) Range
Min: 5.53   Max: 51.22
Current: 22.9

5.53
51.22
P/B 1.40
NBTF's P/B is ranked higher than
58% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. NBTF: 1.40 )
NBTF' s 10-Year P/B Range
Min: 0.67   Max: 1.9
Current: 1.4

0.67
1.9
P/S 3.50
NBTF's P/S is ranked higher than
64% of the 1711 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.85 vs. NBTF: 3.50 )
NBTF' s 10-Year P/S Range
Min: 1.29   Max: 3.53
Current: 3.5

1.29
3.53
PFCF 9.90
NBTF's PFCF is ranked higher than
66% of the 982 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.80 vs. NBTF: 9.90 )
NBTF' s 10-Year PFCF Range
Min: 3.17   Max: 45.83
Current: 9.9

3.17
45.83
EV-to-EBIT 8.92
NBTF's EV-to-EBIT is ranked higher than
89% of the 1906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.25 vs. NBTF: 8.92 )
NBTF' s 10-Year EV-to-EBIT Range
Min: 0.2   Max: 151.2
Current: 8.92

0.2
151.2
Shiller P/E 19.40
NBTF's Shiller P/E is ranked higher than
68% of the 1093 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.35 vs. NBTF: 19.40 )
NBTF' s 10-Year Shiller P/E Range
Min: 8.51   Max: 19.48
Current: 19.4

8.51
19.48

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.00
NBTF's Dividend Yield is ranked higher than
81% of the 1484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.38 vs. NBTF: 4.00 )
NBTF' s 10-Year Dividend Yield Range
Min: 2.87   Max: 9.24
Current: 4

2.87
9.24
Dividend Payout 0.92
NBTF's Dividend Payout is ranked higher than
55% of the 1906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.47 vs. NBTF: 0.92 )
NBTF' s 10-Year Dividend Payout Range
Min: 0.18   Max: 11.43
Current: 0.92

0.18
11.43
Dividend growth (3y) 0.80
NBTF's Dividend growth (3y) is ranked higher than
70% of the 1033 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 vs. NBTF: 0.80 )
NBTF' s 10-Year Dividend growth (3y) Range
Min: 0.8   Max: 34.4
Current: 0.8

0.8
34.4
Yield on cost (5-Year) 4.29
NBTF's Yield on cost (5-Year) is ranked higher than
70% of the 1497 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. NBTF: 4.29 )
NBTF' s 10-Year Yield on cost (5-Year) Range
Min: 3   Max: 9.66
Current: 4.29

3
9.66
Share Buyback Rate -0.20
NBTF's Share Buyback Rate is ranked higher than
84% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. NBTF: -0.20 )
NBTF' s 10-Year Share Buyback Rate Range
Min: 1.2   Max: -2.9
Current: -0.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.53
NBTF's Price/Tangible Book is ranked higher than
68% of the 1906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.44 vs. NBTF: 1.53 )
NBTF' s 10-Year Price/Tangible Book Range
Min: 0.8   Max: 2.08
Current: 1.53

0.8
2.08
Price/DCF (Projected) 0.74
NBTF's Price/DCF (Projected) is ranked higher than
64% of the 1192 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. NBTF: 0.74 )
NBTF' s 10-Year Price/DCF (Projected) Range
Min: 0.41   Max: 0.93
Current: 0.74

0.41
0.93
Price/Median PS Value 1.59
NBTF's Price/Median PS Value is ranked higher than
59% of the 1906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. NBTF: 1.59 )
NBTF' s 10-Year Price/Median PS Value Range
Min: 0.63   Max: 4.69
Current: 1.59

0.63
4.69
Price/Graham Number 1.25
NBTF's Price/Graham Number is ranked higher than
54% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. NBTF: 1.25 )
NBTF' s 10-Year Price/Graham Number Range
Min: 0.49   Max: 1.76
Current: 1.25

0.49
1.76
Earnings Yield (Greenblatt) 11.30
NBTF's Earnings Yield (Greenblatt) is ranked higher than
86% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. NBTF: 11.30 )
NBTF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.7   Max: 589.7
Current: 11.3

0.7
589.7
Forward Rate of Return (Yacktman) -2.28
NBTF's Forward Rate of Return (Yacktman) is ranked higher than
52% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.46 vs. NBTF: -2.28 )
NBTF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -5.7   Max: 30
Current: -2.28

-5.7
30

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
NB&T Financial Group, Inc., an Ohio corporation incorporated in 1980. The Company is a financial holding company which owns all of the issued and outstanding common shares of The National Bank and Trust Company (Bank). The Bank is engaged in the commercial banking business in southwestern Ohio, providing a number of consumer and commercial financial services. Its business consists of accepting deposits, through various consumer and commercial deposit products, and using such deposits to fund loans secured by residential and non-residential real estate, commercial and agricultural loans and consumer loans, including automobile loans. Deposits have traditionally been the main source of the bank's funds for use in lending and other investment activities. Deposits are attracted mainly from within the bank's market area through the offering of numerous deposit instruments, including checking accounts, savings accounts, money market deposit accounts, and term certificate accounts. In addition to deposits, the Bank derives funds from interest payments and repayments on loans and income on earning assets. The Bank originates loans to businesses in its market area, including floor plan loans to automobile and agricultural equipment dealers and loans guaranteed by the Small Business Administration. Its lending activities includes commercial and industrial lending; commercial Real Estate; Real Estate construction; Agricultural loan; Residential Real Estate; Installment Loans; Credit Card Service and Credit Card Service. The Bank competes with other commercial banks, savings associations and credit unions and with the issuers of commercial paper and other securities, such as shares in money market mutual funds. The Company is subject to regulation, examination and oversight by the FRB as a bank holding company and financial holding company under the Bank Holding Company Act.
» More Articles for NBTF

Headlines

Articles On GuruFocus.com
Weekly CFO Buys Highlight: SNBC, CY, NCLH, and NBTF Feb 04 2013 
NB&T FINANCIAL GROUP INC Reports Operating Results (10-K) Mar 15 2011 
NB&T FINANCIAL GROUP INC Reports Operating Results (10-Q) Nov 12 2010 
NB&T FINANCIAL GROUP INC Reports Operating Results (10-Q) Aug 12 2010 
NB&T FINANCIAL GROUP INC Reports Operating Results (10-Q) May 14 2010 
NB&T FINANCIAL GROUP INC Reports Operating Results (10-Q) Nov 12 2009 
NB&T FINANCIAL GROUP INC Reports Operating Results (10-Q) Aug 13 2009 
NB&T FINANCIAL GROUP INC Reports Operating Results (10-Q) May 14 2009 

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