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NBT Bancorp (NBT Bancorp) Cyclically Adjusted Price-to-FCF : 10.10 (As of Apr. 28, 2024)


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What is NBT Bancorp Cyclically Adjusted Price-to-FCF?

As of today (2024-04-28), NBT Bancorp's current share price is $35.97. NBT Bancorp's Cyclically Adjusted FCF per Share for the quarter that ended in Dec. 2023 was $3.56. NBT Bancorp's Cyclically Adjusted Price-to-FCF for today is 10.10.

The historical rank and industry rank for NBT Bancorp's Cyclically Adjusted Price-to-FCF or its related term are showing as below:

NBTB' s Cyclically Adjusted Price-to-FCF Range Over the Past 10 Years
Min: 8.61   Med: 11.74   Max: 17.54
Current: 10.11

During the past years, NBT Bancorp's highest Cyclically Adjusted Price-to-FCF was 17.54. The lowest was 8.61. And the median was 11.74.

NBTB's Cyclically Adjusted Price-to-FCF is ranked worse than
68.39% of 832 companies
in the Banks industry
Industry Median: 7.405 vs NBTB: 10.11

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

NBT Bancorp's adjusted free cash flow per share data for the three months ended in Dec. 2023 was $0.691. Add all the adjusted free cash flow per share for the past 10 years together and divide 10 will get our Cyclically Adjusted FCF per Share, which is $3.56 for the trailing ten years ended in Dec. 2023.

Shiller PE for Stocks: The True Measure of Stock Valuation


NBT Bancorp Cyclically Adjusted Price-to-FCF Historical Data

The historical data trend for NBT Bancorp's Cyclically Adjusted Price-to-FCF can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

NBT Bancorp Cyclically Adjusted Price-to-FCF Chart

NBT Bancorp Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Cyclically Adjusted Price-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 14.48 11.20 12.21 12.56 11.78

NBT Bancorp Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
Cyclically Adjusted Price-to-FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 9.49 8.91 8.82 11.78 -

Competitive Comparison of NBT Bancorp's Cyclically Adjusted Price-to-FCF

For the Banks - Regional subindustry, NBT Bancorp's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


NBT Bancorp's Cyclically Adjusted Price-to-FCF Distribution in the Banks Industry

For the Banks industry and Financial Services sector, NBT Bancorp's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where NBT Bancorp's Cyclically Adjusted Price-to-FCF falls into.



NBT Bancorp Cyclically Adjusted Price-to-FCF Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted Price-to-FCF takes the Free Cash Flow per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/FCF calculation. Because it considers this 10-year average, it's often referred to as the CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF.

NBT Bancorp's Cyclically Adjusted Price-to-FCF for today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/ Cyclically Adjusted FCF per Share
=35.97/3.56
=10.10

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

NBT Bancorp's Cyclically Adjusted FCF per Share for the quarter that ended in Dec. 2023 is calculated as:

For example, NBT Bancorp's adjusted Free Cash Flow per Share data for the three months ended in Dec. 2023 was:

Adj_FreeCashFlowPerShare=Free Cash Flow per Share/CPI of Dec. 2023 (Change)*Current CPI (Dec. 2023)
=0.691/129.4194*129.4194
=0.691

Current CPI (Dec. 2023) = 129.4194.

NBT Bancorp Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201403 0.692 99.695 0.898
201406 0.187 100.560 0.241
201409 0.298 100.428 0.384
201412 0.599 99.070 0.783
201503 0.649 99.621 0.843
201506 0.533 100.684 0.685
201509 0.795 100.392 1.025
201512 0.631 99.792 0.818
201603 0.634 100.470 0.817
201606 0.468 101.688 0.596
201609 0.625 101.861 0.794
201612 0.731 101.863 0.929
201703 0.603 102.862 0.759
201706 0.839 103.349 1.051
201709 0.662 104.136 0.823
201712 0.861 104.011 1.071
201803 0.884 105.290 1.087
201806 0.370 106.317 0.450
201809 0.917 106.507 1.114
201812 1.018 105.998 1.243
201903 0.846 107.251 1.021
201906 0.497 108.070 0.595
201909 0.922 108.329 1.101
201912 1.061 108.420 1.266
202003 0.852 108.902 1.013
202006 0.817 108.767 0.972
202009 0.670 109.815 0.790
202012 0.778 109.897 0.916
202103 0.943 111.754 1.092
202106 1.168 114.631 1.319
202109 0.899 115.734 1.005
202112 0.451 117.630 0.496
202203 0.786 121.301 0.839
202206 1.572 125.017 1.627
202209 1.089 125.227 1.125
202212 0.636 125.222 0.657
202303 0.474 127.348 0.482
202306 1.017 128.729 1.022
202309 1.127 129.860 1.123
202312 0.691 129.419 0.691

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


NBT Bancorp  (NAS:NBTB) Cyclically Adjusted Price-to-FCF Explanation

Compared with the regular Price-to-Free-Cash-Flow, which works poorly for cyclical businesses, the Cyclically Adjusted Price-to-FCF smoothed out the fluctuations of free cash flow during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted Price-to-FCF should give similar results to regular Price-to-Free-Cash-Flow.


NBT Bancorp Cyclically Adjusted Price-to-FCF Related Terms

Thank you for viewing the detailed overview of NBT Bancorp's Cyclically Adjusted Price-to-FCF provided by GuruFocus.com. Please click on the following links to see related term pages.


NBT Bancorp (NBT Bancorp) Business Description

Industry
Traded in Other Exchanges
N/A
Address
52 South Broad Street, Norwich, NY, USA, 13815
NBT Bancorp Inc is a financial holding company that operates through its subsidiaries. The company's principal sources of revenue include management fees and dividends it receives through its subsidiaries. NBT Bank is a full-service community bank offering a full range of retail and commercial banking products, as well as trust and investment services. Loans products include consumer loans, home equity loans, mortgages, business banking loans, and commercial loans. Nearly half of its loan portfolio is in commercial loans. The bank serves individuals, corporations, and municipalities, and operates scores of locations throughout the states of New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, and Maine.
Executives
Jason David Brown director 52 SOUTH BROAD STREET, NORWICH NY 13815
Cantele Richard J Jr officer: EVP/Strategic Integration
Amy Wiles officer: EVP, Chief Risk and Credit 52 SOUTH BROAD STREET, NORWICH NY 13815
Timothy E Delaney director 52 SOUTH BROAD STREET, NORWICH NY 13815
Scott Allen Kingsley officer: EVP & Chief Financial Officer 8365 GLEN EAGLE DRIVE, MANLIUS NY 13104
Heidi M Hoeller director 52 SOUTH BROAD STREET, NORWICH NY 13815
Shaunastar Hyle officer: EVP, Consumer Lending 52 SOUTH BROAD STREET, NORWICH NY 13815
Cynthia A Smaniotto officer: SVP, Chief HR Officer 52 SOUTH BROAD STREET, NORWICH NY 13815
Martin Randolph Sparks officer: EVP,General Counsel,Secretary 52 SOUTH BROAD STREET, NORWICH NY 13815
Martin A Dietrich director, other: Chairman, NBT Bancorp 52 SOUTH BROAD STREET, NORWICH NY 13815
Ruth H Mahoney officer: EVP/President of Wealth Mgmt 52 SOUTH BROAD STREET, NORWICH NY 13815
Matthew K Durkee officer: EVP / President of New England 52 SOUTH BROAD STREET, NORWICH NY 13815
Jack H Webb officer: EVP - Strategic Support C/O NBT BANCORP INC., 52 SOUTH BROAD STREET, NORWICH NY 13815
Johanna R Ames director 52 SOUTH BROAD STREET, NORWICH NY 13815
Robinson V Daniel Ii director 52 SOUTH BROAD STREET, NORWICH NY 13815

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