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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 : 5/10

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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 : 2/10

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» NBTF's 10-Y Financials

Financials


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

» Details

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Ratios

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Dividend & Buy Back

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Dividend Yield 4.00
NBTF's Dividend Yield is ranked higher than
75% of the 2188 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.63 vs. NBTF: 4.00 )
Ranked among companies with meaningful Dividend Yield only.
NBTF' s 10-Year Dividend Yield Range
Min: 0  Med: 0.00 Max: 0
Current: 4
Dividend Payout 0.90
NBTF's Dividend Payout is ranked lower than
93% of the 1279 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. NBTF: 0.90 )
Ranked among companies with meaningful Dividend Payout only.
NBTF' s 10-Year Dividend Payout Range
Min: 0  Med: 0.00 Max: 0
Current: 0.9
Yield on cost (5-Year) 4.18
NBTF's Yield on cost (5-Year) is ranked higher than
66% of the 2173 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.04 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: 0  Med: 0.00 Max: 0
Current: 4.18

Valuation & Return

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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 

More From Other Websites
NB&T FINANCIAL GROUP INC Files SEC form 8-K, Completion of Acquisition or Disposition of Assets,... Mar 10 2015
Peoples Bancorp Completes Acquisition Of NB&T Financial Group Mar 06 2015
Peoples Bancorp Completes Acquisition Of NB&T Financial Group Mar 06 2015
NB&T FINANCIAL GROUP INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Mar 04 2015
NB&T FINANCIAL GROUP INC Files SEC form 8-K, Other Events Feb 18 2015
NB&T FINANCIAL GROUP ANNOUNCES SPECIAL DIVIDEND Feb 17 2015
Notice of Special Meeting of Shareholders and Proxy Statement Jan 29 2015
Notice of 2014 Annual Meeting of Shareholders and Proxy Statement Jan 29 2015
NB&T FINANCIAL GROUP INC Files SEC form 8-K, Results of Operations and Financial Condition,... Jan 20 2015
NB&T Financial Reports Earnings for 2014 Jan 20 2015
NB&T FINANCIAL GROUP ANNOUNCES FOURTH QUARTER DIVIDEND Dec 16 2014
NB&T FINANCIAL GROUP INC Files SEC form 8-K, Other Events Dec 16 2014
NB&T FINANCIAL GROUP INC Financials Nov 19 2014
NB&T FINANCIAL GROUP INC Files SEC form 10-Q, Quarterly Report Nov 12 2014
NB&T Financial Reports Earnings for Third Quarter 2014 Oct 21 2014
NB&T FINANCIAL GROUP INC Files SEC form 8-K, Results of Operations and Financial Condition,... Oct 21 2014
NB&T FINANCIAL GROUP INC Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Sep 19 2014
NB&T FINANCIAL GROUP INC Files SEC form 8-K, Other Events Sep 16 2014
INVESTOR ALERT - NB&T Financial Group Inc.: The Law Offices of Vincent Wong Investigates the Sale of... Aug 13 2014
NB&T FINANCIAL GROUP, INC. SHAREHOLDER ALERT: Rigrodsky & Long, P.A. Announces Investigation Of... Aug 13 2014

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