NBTB Nbt Bancorp Inc

  1. Stocks
  2. Financial Services
  3. NASDAQ: NBTB

Price (delayed)

$34.88

Market cap

$1.5B

P/E Ratio

10.23

Dividend/share

$1.18

EPS

$3.41

Enterprise value

$2.04B

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
NBTB's P/E is 19% below its 5-year quarterly average of 12.7 and 6% below its last 4 quarters average of 10.9
The equity has grown by 3.2% from the previous quarter
Nbt Bancorp's debt has soared by 152% YoY but it has decreased by 11% from the previous quarter
NBTB's net income is down by 5% YoY and by 3.6% from the previous quarter
The company's EPS fell by 4.2% YoY and by 3.7% QoQ
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.nbtbank.com
Peers: CBU FLIC TMP AROW

Key stats

What are the main financial stats of NBTB
Market
Shares outstanding
42.9M
Market cap
$1.5B
Enterprise value
$2.04B
Valuations
Price to earnings (P/E)
10.23
Price to book (P/B)
1.24
Price to sales (P/S)
2.99
EV/EBIT
10.78
EV/EBITDA
9.79
EV/Sales
4.07
Earnings
Revenue
$500.78M
EBIT
$189.13M
EBITDA
$208.21M
Free cash flow
$162.84M
Per share
EPS
$3.41
Free cash flow per share
$3.8
Book value per share
$28.24
Revenue per share
$11.67
TBVPS
$269.26
Balance sheet
Total assets
$11.84B
Total liabilities
$10.63B
Debt
$703.25M
Equity
$1.21B
Working capital
N/A
Liquidity
Debt to equity
0.58
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
2.6
Margins
EBITDA margin
41.6%
Gross margin
100%
Net margin
29.3%
Operating margin
37.8%
Efficiency
Return on assets
1.2%
Return on equity
12.4%
Return on invested capital
1.6%
Return on capital employed
N/A
Return on sales
37.8%
Dividend
Dividend yield
3.38%
DPS
$1.18
Payout ratio
34.6%

NBTB stock price

How has the Nbt Bancorp stock price performed over time
Intraday
0.55%
1 week
1.72%
1 month
8.29%
1 year
-5.96%
YTD
-19.67%
QTD
3.47%

Financial performance

How have Nbt Bancorp's revenue and profit performed over time
Revenue
$500.78M
Gross profit
$500.78M
Operating income
$189.13M
Net income
$146.53M
Gross margin
100%
Net margin
29.3%
Nbt Bancorp's net margin has decreased by 7% YoY and by 3.6% from the previous quarter
The operating margin has contracted by 7% YoY and by 3.6% from the previous quarter
The company's operating income fell by 5% YoY and by 3.6% QoQ
NBTB's net income is down by 5% YoY and by 3.6% from the previous quarter

Growth

What is Nbt Bancorp's growth rate over time

Valuation

What is Nbt Bancorp stock price valuation
P/E
10.23
P/B
1.24
P/S
2.99
EV/EBIT
10.78
EV/EBITDA
9.79
EV/Sales
4.07
NBTB's P/E is 19% below its 5-year quarterly average of 12.7 and 6% below its last 4 quarters average of 10.9
The company's EPS fell by 4.2% YoY and by 3.7% QoQ
NBTB's price to book (P/B) is 11% lower than its 5-year quarterly average of 1.4 and 11% lower than its last 4 quarters average of 1.4
The equity has grown by 3.2% from the previous quarter
The price to sales (P/S) is 17% lower than the 5-year quarterly average of 3.6 and 9% lower than the last 4 quarters average of 3.3
The company's revenue rose by 2.1% YoY

Efficiency

How efficient is Nbt Bancorp business performance
Nbt Bancorp's return on assets has decreased by 8% QoQ and by 8% YoY
The company's return on sales fell by 7% YoY and by 3.6% QoQ
The ROIC has contracted by 6% from the previous quarter and by 6% YoY
The ROE has contracted by 3.9% from the previous quarter

Dividends

What is NBTB's dividend history
Dividend details
DPS
$1.18
Dividend yield
3.38%
Payout ratio
34.6%
Recent dividends

Financial health

How did Nbt Bancorp financials performed over time
The total assets is 11% more than the total liabilities
The total assets has contracted by 2.5% YoY
The total liabilities has contracted by 2.9% YoY
Nbt Bancorp's debt is 42% less than its equity
Nbt Bancorp's debt to equity has surged by 152% YoY but it has decreased by 13% QoQ
Nbt Bancorp's debt has soared by 152% YoY but it has decreased by 11% from the previous quarter

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