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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 3.09
NBTF's Cash to Debt is ranked higher than
81% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. NBTF: 3.09 )
Ranked among companies with meaningful Cash to Debt only.
NBTF' s 10-Year Cash to Debt Range
Min: 0.09   Max: 6.05
Current: 3.09

0.09
6.05
Equity to Asset 0.11
NBTF's Equity to Asset is ranked higher than
74% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.07 vs. NBTF: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
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
81% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.31 vs. NBTF: 2.87 )
Ranked among companies with meaningful Interest Coverage only.
NBTF' s 10-Year Interest Coverage Range
Min: 0.1   Max: 2.87
Current: 2.87

0.1
2.87
F-Score: 5
Z-Score: 0.32
WACC vs ROIC
3.17%
11.65%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 20.19
NBTF's Operating margin (%) is ranked higher than
54% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.01 vs. NBTF: 20.19 )
Ranked among companies with meaningful Operating margin (%) only.
NBTF' s 10-Year Operating margin (%) Range
Min: -205.7   Max: 29.74
Current: 20.19

-205.7
29.74
Net-margin (%) 16.07
NBTF's Net-margin (%) is ranked higher than
57% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.60 vs. NBTF: 16.07 )
Ranked among companies with meaningful Net-margin (%) only.
NBTF' s 10-Year Net-margin (%) Range
Min: 7.1   Max: 130.07
Current: 16.07

7.1
130.07
ROE (%) 6.86
NBTF's ROE (%) is ranked higher than
62% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.08 vs. NBTF: 6.86 )
Ranked among companies with meaningful ROE (%) only.
NBTF' s 10-Year ROE (%) Range
Min: 3.18   Max: 13.71
Current: 6.86

3.18
13.71
ROA (%) 0.74
NBTF's ROA (%) is ranked higher than
65% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.35 vs. NBTF: 0.74 )
Ranked among companies with meaningful ROA (%) only.
NBTF' s 10-Year ROA (%) Range
Min: 0.31   Max: 1.31
Current: 0.74

0.31
1.31
ROC (Joel Greenblatt) (%) 43.57
NBTF's ROC (Joel Greenblatt) (%) is ranked higher than
58% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.53 vs. NBTF: 43.57 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
NBTF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -32.6   Max: 55.81
Current: 43.57

-32.6
55.81
Revenue Growth (3Y)(%) -8.70
NBTF's Revenue Growth (3Y)(%) is ranked higher than
55% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -21.50 vs. NBTF: -8.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NBTF' s 10-Year Revenue Growth (3Y)(%) Range
Min: -8.7   Max: 81.9
Current: -8.7

-8.7
81.9
EBITDA Growth (3Y)(%) -19.70
NBTF's EBITDA Growth (3Y)(%) is ranked higher than
58% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. NBTF: -19.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NBTF' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -20.1   Max: 19
Current: -19.7

-20.1
19
EPS Growth (3Y)(%) -21.70
NBTF's EPS Growth (3Y)(%) is ranked higher than
57% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. NBTF: -21.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NBTF' s 10-Year EPS Growth (3Y)(%) 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

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Ratios

vs
industry
vs
history
P/E(ttm) 22.50
NBTF's P/E(ttm) is ranked lower than
55% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.90 vs. NBTF: 22.50 )
Ranked among companies with meaningful P/E(ttm) only.
NBTF' s 10-Year P/E(ttm) Range
Min: 5.53   Max: 51.22
Current: 22.5

5.53
51.22
Forward P/E 13.74
NBTF's Forward P/E is ranked higher than
57% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. NBTF: 13.74 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 22.20
NBTF's PE(NRI) is ranked higher than
53% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 27.40 vs. NBTF: 22.20 )
Ranked among companies with meaningful PE(NRI) only.
NBTF' s 10-Year PE(NRI) Range
Min: 5.55   Max: 51.22
Current: 22.2

5.55
51.22
P/B 1.42
NBTF's P/B is ranked lower than
71% of the 1624 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. NBTF: 1.42 )
Ranked among companies with meaningful P/B only.
NBTF' s 10-Year P/B Range
Min: 0.67   Max: 1.78
Current: 1.42

0.67
1.78
P/S 3.46
NBTF's P/S is ranked lower than
62% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. NBTF: 3.46 )
Ranked among companies with meaningful P/S only.
NBTF' s 10-Year P/S Range
Min: 1.29   Max: 3.68
Current: 3.46

1.29
3.68
PFCF 10.75
NBTF's PFCF is ranked higher than
73% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 55.00 vs. NBTF: 10.75 )
Ranked among companies with meaningful PFCF only.
NBTF' s 10-Year PFCF Range
Min: 3.17   Max: 45.83
Current: 10.75

3.17
45.83
POCF 10.27
NBTF's POCF is ranked higher than
75% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. NBTF: 10.27 )
Ranked among companies with meaningful POCF only.
NBTF' s 10-Year POCF Range
Min: 3.1   Max: 94.44
Current: 10.27

3.1
94.44
EV-to-EBIT 12.76
NBTF's EV-to-EBIT is ranked higher than
72% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 24.38 vs. NBTF: 12.76 )
Ranked among companies with meaningful EV-to-EBIT only.
NBTF' s 10-Year EV-to-EBIT Range
Min: -4.6   Max: 151.2
Current: 12.76

-4.6
151.2
Shiller P/E 19.45
NBTF's Shiller P/E is ranked higher than
70% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. NBTF: 19.45 )
Ranked among companies with meaningful Shiller P/E only.
NBTF' s 10-Year Shiller P/E Range
Min: 8.45   Max: 20.71
Current: 19.45

8.45
20.71
Days Sales Outstanding 37.53
NBTF's Days Sales Outstanding is ranked higher than
80% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. NBTF: 37.53 )
Ranked among companies with meaningful Days Sales Outstanding only.
NBTF' s 10-Year Days Sales Outstanding Range
Min: 26.88   Max: 323.01
Current: 37.53

26.88
323.01

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.00
NBTF's Dividend Yield is ranked higher than
76% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. NBTF: 4.00 )
Ranked among companies with meaningful Dividend Yield only.
NBTF' s 10-Year Dividend Yield Range
Min: 3.15   Max: 9.24
Current: 4

3.15
9.24
Dividend Payout 0.90
NBTF's Dividend Payout is ranked lower than
57% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. NBTF: 0.90 )
Ranked among companies with meaningful Dividend Payout only.
NBTF' s 10-Year Dividend Payout Range
Min: 0.18   Max: 11.43
Current: 0.9

0.18
11.43
Dividend growth (3y) 0.80
NBTF's Dividend growth (3y) is ranked higher than
79% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. NBTF: 0.80 )
Ranked among companies with meaningful Dividend growth (3y) only.
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) 4.18
NBTF's Yield on cost (5-Year) is ranked higher than
65% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. NBTF: 4.18 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
NBTF' s 10-Year Yield on cost (5-Year) Range
Min: 3.29   Max: 9.66
Current: 4.18

3.29
9.66
Share Buyback Rate -0.20
NBTF's Share Buyback Rate is ranked higher than
86% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. NBTF: -0.20 )
Ranked among companies with meaningful Share Buyback Rate only.
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 1.40
NBTF's Price/Tangible Book is ranked higher than
55% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. NBTF: 1.40 )
Ranked among companies with meaningful Price/Tangible Book only.
NBTF' s 10-Year Price/Tangible Book Range
Min: 0.8   Max: 2.08
Current: 1.4

0.8
2.08
Price/DCF (Projected) 0.70
NBTF's Price/DCF (Projected) is ranked higher than
78% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. NBTF: 0.70 )
Ranked among companies with meaningful Price/DCF (Projected) only.
NBTF' s 10-Year Price/DCF (Projected) Range
Min: 0.41   Max: 0.93
Current: 0.7

0.41
0.93
Price/Median PS Value 1.60
NBTF's Price/Median PS Value is ranked lower than
66% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. NBTF: 1.60 )
Ranked among companies with meaningful Price/Median PS Value only.
NBTF' s 10-Year Price/Median PS Value Range
Min: 0.63   Max: 4.69
Current: 1.6

0.63
4.69
Price/Graham Number 1.20
NBTF's Price/Graham Number is ranked lower than
51% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. NBTF: 1.20 )
Ranked among companies with meaningful Price/Graham Number only.
NBTF' s 10-Year Price/Graham Number Range
Min: 0.49   Max: 1.76
Current: 1.2

0.49
1.76
Earnings Yield (Greenblatt) 7.80
NBTF's Earnings Yield (Greenblatt) is ranked higher than
71% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.00 vs. NBTF: 7.80 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
NBTF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.7   Max: 589.7
Current: 7.8

0.7
589.7
Forward Rate of Return (Yacktman) -0.56
NBTF's Forward Rate of Return (Yacktman) is ranked higher than
72% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. NBTF: -0.56 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) only.
NBTF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -5.4   Max: 32.2
Current: -0.56

-5.4
32.2

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 Loan Processing. 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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