NBTB Nbt Bancorp Inc
Price (delayed)
$42.878
Market cap
$2.03B
P/E Ratio
14.39
Dividend/share
$1.34
EPS
$2.98
Enterprise value
$2.24B
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 35% YoY and by 9% from the previous quarter
NBTB's net income is up by 18% YoY and by 4.1% from the previous quarter
NBTB's P/E is 16% above its 5-year quarterly average of 12.3 but 5% below its last 4 quarters average of 15.1
Key stats
What are the main financial stats of NBTB
Market
Valuations
Earnings
Shares outstanding
47.25M
Market cap
$2.03B
Enterprise value
$2.24B
Price to earnings (P/E)
14.39
Price to book (P/B)
1.33
Price to sales (P/S)
3.63
EV/EBIT
12.46
EV/EBITDA
10.8
EV/Sales
4.01
Revenue
$557.34M
Gross profit
$557.34M
Operating income
$179.46M
Net income
$140.64M
EBIT
$179.46M
EBITDA
$206.95M
Free cash flow
$176.83M
Per share
Balance sheet
Liquidity
EPS
$2.98
EPS diluted
$2.97
Free cash flow per share
$3.75
Book value per share
$32.35
Revenue per share
$11.81
TBVPS
$283.77
Total assets
$13.79B
Total liabilities
$12.26B
Debt
$414.98M
Equity
$1.53B
Working capital
N/A
Debt to equity
0.27
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.01
Margins
Efficiency
Dividend
EBITDA margin
37.1%
Gross margin
100%
Net margin
25.2%
Operating margin
32.2%
Return on assets
1%
Return on equity
9.5%
Return on invested capital
1.3%
Return on capital employed
N/A
Return on sales
32.2%
Dividend yield
3.13%
DPS
$1.34
Payout ratio
45%
NBTB stock price
How has the Nbt Bancorp stock price performed over time
Intraday
0.46%
1 week
-1.63%
1 month
-10.2%
1 year
20.41%
YTD
-10.22%
QTD
-0.05%
Financial performance
How have Nbt Bancorp's revenue and profit performed over time
Revenue
$557.34M
Gross profit
$557.34M
Operating income
$179.46M
Net income
$140.64M
Gross margin
100%
Net margin
25.2%
NBTB's net income is up by 18% YoY and by 4.1% from the previous quarter
The company's operating income rose by 17% YoY and by 3.3% QoQ
The company's gross profit rose by 13% YoY and by 2.5% QoQ
The company's revenue rose by 13% YoY and by 2.5% QoQ
Growth
What is Nbt Bancorp's growth rate over time
Valuation
What is Nbt Bancorp stock price valuation
P/E
14.39
P/B
1.33
P/S
3.63
EV/EBIT
12.46
EV/EBITDA
10.8
EV/Sales
4.01
NBTB's P/E is 16% above its 5-year quarterly average of 12.3 but 5% below its last 4 quarters average of 15.1
The company's EPS rose by 12% YoY and by 3.8% QoQ
The equity has grown by 7% YoY
The company's revenue rose by 13% YoY and by 2.5% QoQ
The price to sales (P/S) is 6% higher than the 5-year quarterly average of 3.4 but 2.4% lower than the last 4 quarters average of 3.7
Efficiency
How efficient is Nbt Bancorp business performance
Nbt Bancorp's return on assets has increased by 11% YoY
The ROIC has grown by 8% YoY
The company's return on sales rose by 3.9% YoY
The ROE has grown by 4.4% YoY and by 3.3% from the previous quarter
Dividends
What is NBTB's dividend history
DPS
$1.34
Dividend yield
3.13%
Payout ratio
45%
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 3.6% YoY
The total liabilities has grown by 3.2% YoY
Nbt Bancorp's debt is 73% less than its equity
Nbt Bancorp's debt to equity has decreased by 40% YoY and by 10% QoQ
Nbt Bancorp's debt has decreased by 35% YoY and by 9% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.