Business Description
NBT Bancorp Inc
NAICS : 522110
SIC : 6021
ISIN : US6287781024
Share Class Description:
NBTB: Ordinary SharesDescription
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 and trust and investment services. Loan products include consumer, home equity, mortgage, business banking, 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 New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, and Maine.
Financial Strength
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 0.38 | |||||
| Equity-to-Asset | 0.11 | |||||
| Debt-to-Equity | 0.38 | |||||
| Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
| Interest Coverage | N/A |
N/A
|
N/A
| |||
| Piotroski F-Score | 5/9 | |||||
| Beneish M-Score | -2.38 | |||||
| WACC vs ROIC | ||||||
Growth Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | 3.5 | |||||
| 3-Year EPS without NRI Growth Rate | 6 | |||||
| 3-Year FCF Growth Rate | 2 | |||||
| 3-Year Book Growth Rate | 3.6 |
Momentum Rank
10/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 75.88 | |||||
| 9-Day RSI | 64.23 | |||||
| 14-Day RSI | 58.34 | |||||
| 6-1 Month Momentum % | 16.97 | |||||
| 12-1 Month Momentum % | 7.01 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Dividend Yield % | 3.49 | |||||
| Dividend Payout Ratio | 0.41 | |||||
| 3-Year Dividend Growth Rate | 4.7 | |||||
| Forward Dividend Yield % | 3.58 | |||||
| 5-Year Yield-on-Cost % | 4.29 | |||||
| 3-Year Average Share Buyback Ratio | -2.6 | |||||
| Shareholder Yield % | -16.02 |
Profitability Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Net Margin % | 22.94 | |||||
| FCF Margin % | 28.62 | |||||
| ROE % | 9.3 | |||||
| ROA % | 0.95 | |||||
| Years of Profitability over Past 10-Year | 10 |
GF Value Rank
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 13.38 | |||||
| Forward PE Ratio | 12.05 | |||||
| PE Ratio without NRI | 11.88 | |||||
| Shiller PE Ratio | 12.45 | |||||
| Price-to-Owner-Earnings | 15.77 | |||||
| PEG Ratio | 2.58 | |||||
| PS Ratio | 3.09 | |||||
| PB Ratio | 1.18 | |||||
| Price-to-Tangible-Book | 1.64 | |||||
| Price-to-Free-Cash-Flow | 10.77 | |||||
| Price-to-Operating-Cash-Flow | 10.13 | |||||
| EV-to-Revenue | 3.9 | |||||
| EV-to-Forward-Revenue | 4.01 | |||||
| EV-to-FCF | 13.71 | |||||
| Price-to-Projected-FCF | 0.64 | |||||
| Price-to-DCF (Earnings Based) | 0.83 | |||||
| Price-to-DCF (FCF Based) | 0.91 | |||||
| Price-to-Median-PS-Value | 0.89 | |||||
| Price-to-Graham-Number | 0.93 | |||||
| FCF Yield % | 8.83 | |||||
| Forward Rate of Return (Yacktman) % | 13.75 |
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