NBT Bancorp (NBT Bancorp) Debt-to-Revenue : 0.99 (As of Dec. 2023)

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What is NBT Bancorp Debt-to-Revenue?

Debt-to-Revenue measures a company's ability to pay off its debt.

NBT Bancorp's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $293.0 Mil. NBT Bancorp's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $250.7 Mil. NBT Bancorp's annualized Revenue for the quarter that ended in Dec. 2023 was $548.6 Mil. NBT Bancorp's annualized Debt-to-Revenue for the quarter that ended in Dec. 2023 was 0.99.

NBT Bancorp Debt-to-Revenue Historical Data

The historical data trend for NBT Bancorp's Debt-to-Revenue 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.

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NBT Bancorp Debt-to-Revenue Chart

NBT Bancorp Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Debt-to-Revenue

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1.82

0.57

0.45

1.36

1.05

NBT Bancorp Quarterly Data
	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24
Debt-to-Revenue	Get a 7-Day Free Trial															1.40	1.83	1.38	0.99	0.92

Competitive Comparison of NBT Bancorp's Debt-to-Revenue

For the Banks - Regional subindustry, NBT Bancorp's Debt-to-Revenue, along with its competitors' market caps and Debt-to-Revenue 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 Debt-to-Revenue Distribution in the Banks Industry

For the Banks industry and Financial Services sector, NBT Bancorp's Debt-to-Revenue distribution charts can be found below:

* The bar in red indicates where NBT Bancorp's Debt-to-Revenue falls into.

NBT Bancorp Debt-to-Revenue Calculation

Debt-to-Revenue measures a company's ability to pay off its debt.

NBT Bancorp's Debt-to-Revenue for the fiscal year that ended in Dec. 2023 is calculated as

Debt-to-Revenue	=	Total Debt			/	Revenue
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Revenue
	=	(293	+	250.736)	/	517.779
	=	1.05

NBT Bancorp's annualized Debt-to-Revenue for the quarter that ended in Dec. 2023 is calculated as

Debt-to-Revenue	=	Total Debt			/	Revenue
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Revenue
	=	(293	+	250.736)	/	548.632
	=	0.99

In the calculation of annual Debt-to-Revenue, the Revenue of the last fiscal year is used. In calculating the annualized quarterly data, the Revenue data used here is four times the quarterly (Dec. 2023) Revenue data.

NBT Bancorp Debt-to-Revenue Related Terms

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NBT Bancorp (NBT Bancorp) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » NBT Bancorp Inc (NAS:NBTB) » Definitions » Debt-to-Revenue

Comparable Companies

Traded in Other Exchanges

N/A

Address

52 South Broad Street, Norwich, NY, USA, 13815

Website

https://www.nbtbancorp.com

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