NAS:NBTB (USA)

NBT Bancorp Inc

$ 37.56 0.61 (1.65%)
Volume: 48,133 Avg Vol (1m): 93,569
Market Cap $: 1.64 Bil Enterprise Value $: 615.76 Mil
P/E (TTM): 14.29 P/B: 1.61
Earnings Power Value 22.34
Net Current Asset Value 0
Tangible Book 16.89
Projected FCF 44.68
Median P/S Value 29.72
Graham Number 31.62
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
1Y (-%)

Financial Strength : 5/10

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.
Current vs industry vs history
Cash-to-Debt 1.75
Cash-To-Debt ranked higher than
54.24% of 1617 companies
in the Banks - Regional - US industry.
Industry Max: 2539500, Med: 1.43, Min: 0.01
NBTB: 1.75
Ranked among companies with meaningful Cash-To-Debt only.
Cash-To-Debt range over the past 10 years
Min: 0.13, Med: 0.35, Max: 18.33
Current: 1.75
0.13
18.33
Equity-to-Asset 0.11
Equity-to-Asset ranked higher than
56.79% of 1627 companies
in the Banks - Regional - US industry.
Industry Max: 1, Med: 0.11, Min: -11.05
NBTB: 0.11
Ranked among companies with meaningful Equity-to-Asset only.
Equity-to-Asset range over the past 10 years
Min: 0.07, Med: 0.1, Max: 0.11
Current: 0.11
0.07
0.11
Debt-to-Equity 0.10
Debt-to-Equity ranked higher than
91.89% of 1393 companies
in the Banks - Regional - US industry.
Industry Max: 543.58, Med: 0.68, Min: 0.01
NBTB: 0.1
Ranked among companies with meaningful Debt-to-Equity only.
Debt-to-Equity range over the past 10 years
Min: 0.06, Med: 1.05, Max: 2.65
Current: 0.1
0.06
2.65
Beneish M-Score -2.42
Not Manipulator
Manipulator
WACC vs ROIC %
ROIC 0%
WACC 9.09%

Profitability & Growth : 4/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Net Margin % 26.47
Net Margin ranked higher than
53.26% of 1639 companies
in the Banks - Regional - US industry.
Industry Max: 10754.72, Med: 25.15, Min: -234138
NBTB: 26.47
Ranked among companies with meaningful Net Margin only.
Net Margin range over the past 10 years
Min: 18.09, Med: 20.49, Max: 26.47
Current: 26.47
18.09
26.47
ROE % 11.62
ROE ranked higher than
64.90% of 1638 companies
in the Banks - Regional - US industry.
Industry Max: 231.61, Med: 9.79, Min: -53900
NBTB: 11.62
Ranked among companies with meaningful ROE only.
ROE range over the past 10 years
Min: 8.73, Med: 9.34, Max: 11.62
Current: 11.62
8.73
11.62
ROA % 1.22
ROA ranked higher than
61.22% of 1645 companies
in the Banks - Regional - US industry.
Industry Max: 54.28, Med: 1.01, Min: -205.98
NBTB: 1.22
Ranked among companies with meaningful ROA only.
ROA range over the past 10 years
Min: 0.9, Med: 0.96, Max: 1.22
Current: 1.22
0.9
1.22
3-Year Total Revenue Growth Rate 5.50
3-Year Revenue Growth Rate ranked higher than
50.36% of 1513 companies
in the Banks - Regional - US industry.
Industry Max: 672.4, Med: 4.3, Min: -100
NBTB: 5.8
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
3-Year Revenue Growth Rate range over the past 10 years
Min: -21.6, Med: 4, Max: 37.2
Current: 5.8
-21.6
37.2
3-Year EPS w/o NRI Growth Rate 14.20
3-Year EPS w/o NRI Growth Rate ranked lower than
55.85% of 1359 companies
in the Banks - Regional - US industry.
Industry Max: 804.5, Med: 5.3, Min: -214.9
NBTB: 14.2
Ranked among companies with meaningful 3-Year EPS w/o NRI Growth Rate only.
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: -57.4, Med: 3.4, Max: 139.4
Current: 14.2
-57.4
139.4

» NBTB's 30-Y Financials

Financials (Next Earnings Date: 2019-07-23)

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Business Description

Industry Banks » Banks - Regional - US    NAICS : 522110    SIC : 6021
Compare AMEX:PRK NAS:HTLF NAS:WABC NAS:ABCB NAS:HOPE NAS:CLBK NAS:SFBS NAS:BANF NAS:FRME NAS:PPBI NAS:BANR NAS:VBTX NAS:SBCF NAS:BUSE NAS:TOWN NAS:EGBN NYSE:HTH NAS:LTXB NYSE:BHLB NAS:STBA
Traded in other countries
Address 52 South Broad Street, P.O. Box 351, Norwich, NY, USA, 13815
NBT Bancorp is a financial holding company that operates two subsidiaries - NBT Bank, N.A. and NBT Financial Services, Inc. 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.

Ratios

Current vs industry vs history
PE Ratio (TTM) 14.29
PE Ratio ranked lower than
69.11% of 1557 companies
in the Banks - Regional - US industry.
Industry Max: 625000, Med: 12.36, Min: 0.02
NBTB: 14.29
Ranked among companies with meaningful PE Ratio only.
PE Ratio range over the past 10 years
Min: 9.11, Med: 14.58, Max: 23.29
Current: 14.29
9.11
23.29
Forward PE Ratio 14.45
Forward P/E ranked lower than
84.60% of 487 companies
in the Banks - Regional - US industry.
Industry Max: 232.56, Med: 11.17, Min: 3.33
NBTB: 14.45
Ranked among companies with meaningful Forward P/E only.
N/A
PE Ratio without NRI 14.29
PE without NRI ranked lower than
68.67% of 1532 companies
in the Banks - Regional - US industry.
Industry Max: 625000, Med: 12.43, Min: 0.02
NBTB: 14.29
Ranked among companies with meaningful PE without NRI only.
PE without NRI range over the past 10 years
Min: 9.11, Med: 14.58, Max: 23.29
Current: 14.29
9.11
23.29
Price-to-Owner-Earnings 14.95
Price-to-Owner-Earnings ranked lower than
67.44% of 989 companies
in the Banks - Regional - US industry.
Industry Max: 2862049.23, Med: 12.46, Min: 0.01
NBTB: 14.95
Ranked among companies with meaningful Price-to-Owner-Earnings only.
Price-to-Owner-Earnings range over the past 10 years
Min: 8.47, Med: 14.99, Max: 32.78
Current: 14.95
8.47
32.78
PB Ratio 1.61
PB Ratio ranked lower than
81.10% of 1651 companies
in the Banks - Regional - US industry.
Industry Max: 339397.23, Med: 1.11, Min: 0
NBTB: 1.61
Ranked among companies with meaningful PB Ratio only.
PB Ratio range over the past 10 years
Min: 1.08, Med: 1.41, Max: 2.61
Current: 1.61
1.08
2.61
PS Ratio 3.75
PS Ratio ranked lower than
68.71% of 1649 companies
in the Banks - Regional - US industry.
Industry Max: 207056.49, Med: 3.01, Min: 0.01
NBTB: 3.75
Ranked among companies with meaningful PS Ratio only.
PS Ratio range over the past 10 years
Min: 1.96, Med: 3, Max: 4.81
Current: 3.75
1.96
4.81
Price-to-Free-Cash-Flow 11.91
Price-to-Free-Cash-Flow ranked lower than
63.61% of 882 companies
in the Banks - Regional - US industry.
Industry Max: 2338.98, Med: 10.27, Min: 0
NBTB: 11.91
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
Price-to-Free-Cash-Flow range over the past 10 years
Min: 6.86, Med: 11.17, Max: 17.06
Current: 11.91
6.86
17.06
Price-to-Operating-Cash-Flow 11.26
Price-to-Operating-Cash-Flow ranked lower than
67.30% of 948 companies
in the Banks - Regional - US industry.
Industry Max: 1945525.29, Med: 9.19, Min: 0.01
NBTB: 11.26
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 6.58, Med: 10.18, Max: 16.55
Current: 11.26
6.58
16.55
EV-to-Revenue 1.39
EV-to-Revenue ranked higher than
84.30% of 1325 companies
in the Banks - Regional - US industry.
Industry Max: 2007.65, Med: 3.55, Min: 0.02
NBTB: 1.39
Ranked among companies with meaningful EV-to-Revenue only.
EV-to-Revenue range over the past 10 years
Min: -3.1, Med: 1.1, Max: 7.3
Current: 1.39
-3.1
7.3
Shiller PE Ratio 19.36
Shiller PE Ratio ranked lower than
61.16% of 672 companies
in the Banks - Regional - US industry.
Industry Max: 1946.36, Med: 17.52, Min: 0.06
NBTB: 19.36
Ranked among companies with meaningful Shiller PE Ratio only.
Shiller PE Ratio range over the past 10 years
Min: 10.74, Med: 15.13, Max: 23.82
Current: 19.36
10.74
23.82

Dividend & Buy Back

Current vs industry vs history
Dividend Yield % 2.72
Trailing Dividend Yield ranked lower than
59.26% of 2587 companies
in the Banks - Regional - US industry.
Industry Max: 266.3, Med: 2.92, Min: 0.01
NBTB: 2.72
Ranked among companies with meaningful Trailing Dividend Yield only.
Trailing Dividend Yield range over the past 10 years
Min: 2.15, Med: 3.4, Max: 4.99
Current: 2.72
2.15
4.99
Dividend Payout Ratio 0.39
Dividend Payout Ratio ranked lower than
60.28% of 1420 companies
in the Banks - Regional - US industry.
Industry Max: 186.51, Med: 0.33, Min: 0.01
NBTB: 0.39
Ranked among companies with meaningful Dividend Payout Ratio only.
Dividend Payout Ratio range over the past 10 years
Min: 0.39, Med: 0.5, Max: 0.56
Current: 0.39
0.39
0.56
3-Year Dividend Growth Rate (Per Share) 4.40
3-Year Dividend Growth Rate ranked lower than
61.93% of 880 companies
in the Banks - Regional - US industry.
Industry Max: 228.7, Med: 6, Min: -100
NBTB: 4.4
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
3-Year Dividend Growth Rate range over the past 10 years
Min: 0, Med: 2.9, Max: 23.8
Current: 4.4
0
23.8
Forward Dividend Yield % 2.77
Forward Dividend Yield ranked lower than
60.50% of 2534 companies
in the Banks - Regional - US industry.
Industry Max: 98, Med: 3.16, Min: 0.01
NBTB: 2.77
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield-on-Cost (5-Year) % 3.29
Yield-on-Cost (5y) ranked lower than
58.88% of 2561 companies
in the Banks - Regional - US industry.
Industry Max: 266.3, Med: 3.65, Min: 0.01
NBTB: 3.29
Ranked among companies with meaningful Yield-on-Cost (5y) only.
Yield-on-Cost (5y) range over the past 10 years
Min: 2.59, Med: 4.1, Max: 6.01
Current: 3.29
2.59
6.01
3-Year Share Buyback Rate -0.20
3-Year Share Buyback Rate ranked higher than
83.99% of 1137 companies
in the Banks - Regional - US industry.
Industry Max: 82.2, Med: -2.1, Min: -499.5
NBTB: -0.2
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
3-Year Share Buyback Rate range over the past 10 years
Min: -37.2, Med: -0.6, Max: 1.5
Current: -0.2
-37.2
1.5

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 2.22
Price-to-Tangible-Book ranked lower than
88.08% of 1669 companies
in the Banks - Regional - US industry.
Industry Max: 359582.88, Med: 1.2, Min: 0.01
NBTB: 2.22
Ranked among companies with meaningful Price-to-Tangible-Book only.
Price-to-Tangible-Book range over the past 10 years
Min: 1.16, Med: 2.08, Max: 5.16
Current: 2.22
1.16
5.16
Price-to-Projected-FCF 0.84
Price-to-Intrinsic-Value-Projected-FCF ranked lower than
65.03% of 958 companies
in the Banks - Regional - US industry.
Industry Max: 460, Med: 0.76, Min: 0.01
NBTB: 0.84
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.5, Med: 0.85, Max: 2.37
Current: 0.84
0.5
2.37
Price-to-Median-PS-Value 1.26
Price-to-Median-PS-Value ranked lower than
77.30% of 1524 companies
in the Banks - Regional - US industry.
Industry Max: 186, Med: 1.02, Min: 0.03
NBTB: 1.26
Ranked among companies with meaningful Price-to-Median-PS-Value only.
Price-to-Median-PS-Value range over the past 10 years
Min: 0.5, Med: 1.04, Max: 1.79
Current: 1.26
0.5
1.79
Price-to-Graham-Number 1.19
Price-to-Graham-Number ranked lower than
84.15% of 1476 companies
in the Banks - Regional - US industry.
Industry Max: 99940.04, Med: 0.86, Min: 0
NBTB: 1.19
Ranked among companies with meaningful Price-to-Graham-Number only.
Price-to-Graham-Number range over the past 10 years
Min: 0.69, Med: 1.17, Max: 4.78
Current: 1.19
0.69
4.78

More Statistics

Revenue (TTM) (Mil) $ 437.14
EPS (TTM) $ 2.63
Beta 0.92
Volatility % 22.25
52-Week Range $ 30.36 - 41.88
Shares Outstanding (Mil) 43.76

Analyst Estimate

Piotroski F-Score Details