Unlock Premium for Just $9.99/Month – Special Launch Offer, Limited Time Only Get Premium

NBTB Nbt Bancorp Inc

Price (delayed)

$44.11

Market cap

$2.08B

P/E Ratio

14.51

Dividend/share

$1.34

EPS

$3.04

Enterprise value

$2.18B

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 40% YoY and by 25% from the previous quarter
NBTB's net income is up by 21% YoY and by 2.1% from the previous quarter
NBTB's P/E is 18% above its 5-year quarterly average of 12.4 but 3.3% below its last 4 quarters average of 15.1

Key stats

What are the main financial stats of NBTB
Market
Shares outstanding
47.26M
Market cap
$2.08B
Enterprise value
$2.18B
Valuations
Price to earnings (P/E)
14.51
Price to book (P/B)
1.33
Price to sales (P/S)
3.66
EV/EBIT
11.89
EV/EBITDA
10.33
EV/Sales
3.83
Earnings
Revenue
$569.47M
Gross profit
$569.47M
Operating income
$183.47M
Net income
$143.56M
EBIT
$183.47M
EBITDA
$211.1M
Free cash flow
$180.81M
Per share
EPS
$3.04
EPS diluted
$3.02
Free cash flow per share
$3.83
Book value per share
$33.14
Revenue per share
$12.05
TBVPS
$285
Balance sheet
Total assets
$13.86B
Total liabilities
$12.3B
Debt
$312.98M
Equity
$1.57B
Working capital
N/A
Liquidity
Debt to equity
0.2
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.46
Margins
EBITDA margin
37.1%
Gross margin
100%
Net margin
25.2%
Operating margin
32.2%
Efficiency
Return on assets
1%
Return on equity
9.5%
Return on invested capital
1.4%
Return on capital employed
N/A
Return on sales
32.2%
Dividend
Dividend yield
3.04%
DPS
$1.34
Payout ratio
44.1%

NBTB stock price

How has the Nbt Bancorp stock price performed over time
Intraday
-0.61%
1 week
2.53%
1 month
11.45%
1 year
16.63%
YTD
-7.64%
QTD
2.82%

Financial performance

How have Nbt Bancorp's revenue and profit performed over time
Revenue
$569.47M
Gross profit
$569.47M
Operating income
$183.47M
Net income
$143.56M
Gross margin
100%
Net margin
25.2%
NBTB's net income is up by 21% YoY and by 2.1% from the previous quarter
The company's operating income rose by 20% YoY and by 2.2% QoQ
The company's gross profit rose by 12% YoY and by 2.2% QoQ
The company's revenue rose by 12% YoY and by 2.2% QoQ

Price vs fundamentals

How does NBTB's price correlate with its fundamentals

Growth

What is Nbt Bancorp's growth rate over time

Valuation

What is Nbt Bancorp stock price valuation
P/E
14.51
P/B
1.33
P/S
3.66
EV/EBIT
11.89
EV/EBITDA
10.33
EV/Sales
3.83
NBTB's P/E is 18% above its 5-year quarterly average of 12.4 but 3.3% below its last 4 quarters average of 15.1
The company's EPS rose by 16% YoY and by 2% QoQ
The equity has grown by 9% YoY and by 2.6% from the previous quarter
NBTB's price to book (P/B) is 3.1% higher than its 5-year quarterly average of 1.3 and 3.1% higher than its last 4 quarters average of 1.3
The company's revenue rose by 12% YoY and by 2.2% QoQ
The price to sales (P/S) is 8% higher than the 5-year quarterly average of 3.4

Efficiency

How efficient is Nbt Bancorp business performance
The ROIC has grown by 17% YoY and by 8% from the previous quarter
Nbt Bancorp's return on assets has increased by 11% YoY
The ROE has grown by 9% YoY
The company's return on sales rose by 7% YoY

Dividends

What is NBTB's dividend history
DPS
$1.34
Dividend yield
3.04%
Payout ratio
44.1%
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 13% more than the total liabilities
The total liabilities has grown by 2.5% YoY
The total assets has grown by 3.2% YoY
Nbt Bancorp's debt is 80% less than its equity
Nbt Bancorp's debt to equity has decreased by 44% YoY and by 26% QoQ
Nbt Bancorp's debt has decreased by 40% YoY and by 25% from the previous quarter

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.