NBTB (NBT Bancorp) Risk Assessment

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What is NBT Bancorp Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of NBT Bancorp is: High Risk: High uncertainty with risk-return tradeoff.

Competitive Comparison of NBT Bancorp's Risk Assessment

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

For the Banks industry and Financial Services sector, NBT Bancorp's Risk Assessment distribution charts can be found below:

* The bar in red indicates where NBT Bancorp's Risk Assessment falls into.

NBT Bancorp (NAS:NBTB) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

NBT Bancorp Risk Assessment Related Terms

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NBT Bancorp Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » NBT Bancorp Inc (NAS:NBTB) » Definitions » Risk Assessment

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 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.

Executives

Jack H Webb	officer: EVP - Strategic Support	C/O NBT BANCORP INC., 52 SOUTH BROAD STREET, NORWICH NY 13815
Watt John H Jr	officer: EVP, Pres of NBT Bank, N.A.	52 SOUTH BROAD STREET, NORWICH NY 13815
Timothy E Delaney	director	52 SOUTH BROAD STREET, NORWICH NY 13815
Amy Wiles	officer: EVP, Chief Risk and Credit	52 SOUTH BROAD STREET, NORWICH NY 13815
Robinson V Daniel Ii	director	52 SOUTH BROAD STREET, NORWICH NY 13815
Martin Randolph Sparks	officer: EVP,General Counsel,Secretary	52 SOUTH BROAD STREET, NORWICH NY 13815
Sarah A Halliday	officer: EVP/President Comm Banking	52 SOUTH BROAD STREET, NORWICH NY 13815
Scott Allen Kingsley	officer: EVP & Chief Financial Officer	8365 GLEN EAGLE DRIVE, MANLIUS NY 13104
Lowell A Seifter	director	52 SOUTH BROAD STREET, NORWICH NY 13815
Jason David Brown	director	52 SOUTH BROAD STREET, NORWICH NY 13815
Cantele Richard J Jr	officer: EVP/Strategic Integration
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 A Dietrich	director, other: Chairman, NBT Bancorp	52 SOUTH BROAD STREET, NORWICH NY 13815