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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 : 4/10

Interest Coverage 4.21
NBTF's Interest Coverage is ranked lower than
99.99% of the 1535 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. NBTF: 4.21 )
Ranked among companies with meaningful Interest Coverage only.
NBTF' s Interest Coverage Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 0
Current: 4.21
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 : 3/10

» NBTF's 10-Y Financials

Financials (Next Earnings Date: 0)

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

» Details

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Business Description

Industry: Banks » Banks - Regional - US

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.



Dividend & Buy Back

Dividend Yield 4.00
NBTF's Dividend Yield is ranked higher than
65% of the 2261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. NBTF: 4.00 )
Ranked among companies with meaningful Dividend Yield only.
NBTF' s Dividend Yield Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 0
Current: 4
Dividend Payout 0.90
NBTF's Dividend Payout is ranked lower than
93% of the 1286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. NBTF: 0.90 )
Ranked among companies with meaningful Dividend Payout only.
NBTF' s Dividend Payout Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 0
Current: 0.9
Yield on cost (5-Year) 4.00
NBTF's Yield on cost (5-Year) is ranked higher than
56% of the 2499 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.61 vs. NBTF: 4.00 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
NBTF' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 0
Current: 4

Valuation & Return


More Statistics

Revenue (TTM) (Mil) $30.02
EPS (TTM) $ 1.39
Short Percentage of Float0.02%
52-Week Range $18.71 - 32.00
Shares Outstanding (Mil)3.43

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