NBTB (NBT Bancorp) Change In Receivables: $0.0 Mil (TTM As of Jun. 2026)

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NBTB NBT Bancorp Inc NBTB
70 GF Score
Price $51.42
GF Value $47.38
Valuation Fairly Valued
! 3 Warning Signs
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What is NBT Bancorp Change In Receivables?

NBT Bancorp NBTB -0.14% 70 Change In Receivables is $0.0 Mil as of Jun. 2026. GuruFocus rates NBTB with a GF Score™ of 70/100 and a GF Value™ of $47.38 (Fairly Valued). The stock has 3 warning signs investors should review.

NBT Bancorp's change in receivables for the quarter that ended in Jun. 2026 was $0.0 Mil. It means NBT Bancorp's Accounts Receivable stayed the same from Mar. 2026 to Jun. 2026 .

NBT Bancorp's change in receivables for the fiscal year that ended in Dec. 2025 was $0.0 Mil. It means NBT Bancorp's Accounts Receivable stayed the same from Dec. 2024 to Dec. 2025 .

NBT Bancorp's Accounts Receivable for the quarter that ended in Jun. 2026 was $0.0 Mil.

Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's Accounts Receivable are being managed. NBT Bancorp's Days Sales Outstanding for the three months ended in Jun. 2026 was 0.00.

In Ben Graham's calculation of liquidation value, Apple Inc's Accounts Receivable are only considered to be worth 75% of book value. NBT Bancorp's liquidation value for the three months ended in Jun. 2026 was $-13,775.3 Mil.

NBT Bancorp  (NAS:NBTB) Change In Receivables Explanation

1. Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's Accounts Receivable are being managed.

NBT Bancorp's Days Sales Outstanding for the quarter that ended in Jun. 2026 is calculated as:

Days Sales Outstanding
=Accounts Receivable/Revenue*Days in Period
=0/186.146*91
=0.00

2. In Ben Graham's calculation of liquidation value, NBT Bancorp's accounts receivable are only considered to be worth 75% of book value:

NBT Bancorp's liquidation value for the quarter that ended in Jun. 2026 is calculated as:

Liquidation Value
=Cash, Cash Equivalents, Marketable Securities-Total Liabilities+(0.75 * Accounts Receivable)+(0.5 * Total Inventories)
=495.741-14271.038+0.75 * 0+0.5 * 0
=-13,775.3

* 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 Change In Receivables Related Terms

NBT Bancorp Change In Receivables Historical Data

* Premium members only.

The historical data trend for NBT Bancorp's Change In Receivables 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.

NBT Bancorp Change In Receivables Chart

NBT Bancorp Annual Data
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Change In Receivables
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NBT Bancorp Quarterly Data
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Change In Receivables 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 0.00 0.00 0.00 0.00 0.00
NBTB
70GF Score
NBT Bancorp Inc NBTB
Change In Receivables is just one metric. See GF Score™, valuation, warning signs, and more.
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NBT Bancorp Change In Receivables Calculation

Change In Accounts Receivable relative to the previous period. It is any increase or decrease in the cash a company is owed by its customers.

Change In Receivables for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.0 Mil.

* 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.

Frequently Asked Questions Learn more about Change In Receivables →
What does a Change In Receivables of $0.0 Mil mean?
NBT Bancorp (NBTB) has a Change In Receivables of $0.0 Mil as of Jun. 2026. Change in Receivables is the difference between current-period receivables and past-period receivables. View historical data for NBT Bancorp and its competitors.
Is NBT Bancorp's Change In Receivables too high?
NBT Bancorp's current Change In Receivables is $0.0 Mil. Overall, NBT Bancorp has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does NBT Bancorp's Change In Receivables compare to FRME and TRMK?
NBT Bancorp's Change In Receivables of $0.0 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Change In Receivables for a Banks company?
A good Change In Receivables depends on the Banks industry context. However, Change In Receivables should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Change In Receivables mean?
A high Change In Receivables can signal that a stock is expensive relative to its fundamentals. Change in Receivables is the difference between current-period receivables and past-period receivables. View historical data for NBT Bancorp and its competitors. NBT Bancorp's current Change In Receivables is $0.0 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NBT Bancorp stock overvalued right now?
Based on GuruFocus' analysis, NBT Bancorp (NBTB) is currently considered Fairly Valued. The stock's GF Value™ is $47.38, compared to a current price of $51.42 — trading 8.5% above its estimated fair value. The current Change In Receivables is $0.0 Mil. NBT Bancorp's overall GF Score™ is 70/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Change In Receivables calculated?
Change In Receivables is calculated from a company's financial statements. For NBT Bancorp (NBTB), the current Change In Receivables is $0.0 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is NBT Bancorp (NBTB) Overvalued in 2026?

Based on GuruFocus' analysis, NBT Bancorp stock appears to be overvalued. The current stock price of $51.42 is trading 8.5% above its estimated GF Value™ of $47.38. GuruFocus considers NBT Bancorp to be Fairly Valued.

Key valuation signals for NBTB:

  • Change In Receivables: $0.0 Mil
  • GF Value™: $47.38 vs. price of $51.42 (8.5% above fair value)
  • GF Score™: 70/100 with 3 warning signs

No single metric tells the full story. See the NBTB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

NBT Bancorp Business Description

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. Its business, predominantly conducted through NBT Bank, consists of providing commercial banking, retail banking, and wealth management services to customers in its market area, which includes upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. The company's reportable segments are Banking and Retirement Plan Administration. A majority of its revenue is generated from the Banking segment.
70GF Score

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Change In Receivables is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$51.42
Price
$47.38
GF Value