NBTB Nbt Bancorp Inc
Price (delayed)
$46.87
Market cap
$2.21B
P/E Ratio
16.33
Dividend/share
$1.32
EPS
$2.87
Enterprise value
$2.42B
NBT Bancorp Inc. is a financial holding company headquartered in Norwich, N.Y., with total assets of $9.7 billion at December 31, 2019. The Company primarily operates through NBT Bank, N.A.,
Highlights
Nbt Bancorp's debt has decreased by 38% YoY and by 4.1% from the previous quarter
The equity has grown by 12% YoY and by 4.1% from the previous quarter
NBTB's P/E is 34% above its 5-year quarterly average of 12.2 and 9% above its last 4 quarters average of 15.0
Key stats
What are the main financial stats of NBTB
Market
Valuations
Earnings
Shares outstanding
47.18M
Market cap
$2.21B
Enterprise value
$2.42B
Price to earnings (P/E)
16.33
Price to book (P/B)
1.45
Price to sales (P/S)
4.07
EV/EBIT
13.92
EV/EBITDA
12.02
EV/Sales
4.45
Revenue
$543.55M
Gross profit
$543.55M
Operating income
$173.7M
Net income
$135.08M
EBIT
$173.7M
EBITDA
$201.11M
Free cash flow
$164.02M
Per share
Balance sheet
Liquidity
EPS
$2.87
EPS diluted
$2.84
Free cash flow per share
$3.48
Book value per share
$32.26
Revenue per share
$11.52
TBVPS
$284.95
Total assets
$13.84B
Total liabilities
$12.32B
Debt
$456.67M
Equity
$1.52B
Working capital
N/A
Debt to equity
0.3
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.02
Margins
Efficiency
Dividend
EBITDA margin
37%
Gross margin
100%
Net margin
24.9%
Operating margin
32%
Return on assets
1%
Return on equity
9.2%
Return on invested capital
1.3%
Return on capital employed
N/A
Return on sales
32%
Dividend yield
2.82%
DPS
$1.32
Payout ratio
46%
NBTB stock price
How has the Nbt Bancorp stock price performed over time
Intraday
-0.99%
1 week
-2.46%
1 month
-3.7%
1 year
36.69%
YTD
-1.86%
QTD
-1.86%
Financial performance
How have Nbt Bancorp's revenue and profit performed over time
Revenue
$543.55M
Gross profit
$543.55M
Operating income
$173.7M
Net income
$135.08M
Gross margin
100%
Net margin
24.9%
The company's gross profit rose by 11% YoY and by 4.2% QoQ
The company's revenue rose by 11% YoY and by 4.2% QoQ
NBTB's net income is up by 11% from the previous quarter and by 9% YoY
The company's operating income rose by 11% QoQ and by 8% YoY
Growth
What is Nbt Bancorp's growth rate over time
Valuation
What is Nbt Bancorp stock price valuation
P/E
16.33
P/B
1.45
P/S
4.07
EV/EBIT
13.92
EV/EBITDA
12.02
EV/Sales
4.45
NBTB's P/E is 34% above its 5-year quarterly average of 12.2 and 9% above its last 4 quarters average of 15.0
The company's EPS rose by 10% QoQ
The equity has grown by 12% YoY and by 4.1% from the previous quarter
NBTB's price to book (P/B) is 12% higher than its 5-year quarterly average of 1.3 and 12% higher than its last 4 quarters average of 1.3
The price to sales (P/S) is 20% higher than the 5-year quarterly average of 3.4 and 10% higher than the last 4 quarters average of 3.7
The company's revenue rose by 11% YoY and by 4.2% QoQ
Efficiency
How efficient is Nbt Bancorp business performance
Nbt Bancorp's return on assets has increased by 11% QoQ
The ROIC has grown by 8% from the previous quarter
The ROE has grown by 8% from the previous quarter but it has contracted by 8% YoY
The company's return on sales rose by 7% QoQ but it fell by 2.4% YoY
Dividends
What is NBTB's dividend history
DPS
$1.32
Dividend yield
2.82%
Payout ratio
46%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Nbt Bancorp financials performed over time
The total assets is 12% more than the total liabilities
The total assets has grown by 2.5% from the previous quarter
The total liabilities has grown by 2.3% from the previous quarter
Nbt Bancorp's debt is 70% less than its equity
Nbt Bancorp's debt to equity has decreased by 44% YoY and by 9% QoQ
Nbt Bancorp's debt has decreased by 38% YoY and by 4.1% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.