NBTB Nbt Bancorp Inc

Price (delayed)

$33.86

Market cap

$1.6B

P/E Ratio

12.68

Dividend/share

$1.26

EPS

$2.67

Enterprise value

$2.06B

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
The equity has grown by 21% YoY and by 4.6% from the previous quarter
Nbt Bancorp's debt has decreased by 19% YoY and by 14% from the previous quarter
The company's EPS fell by 25% YoY and by 7% QoQ
NBTB's net income is down by 22% YoY and by 4.6% from the previous quarter

Key stats

What are the main financial stats of NBTB
Market
Shares outstanding
47.15M
Market cap
$1.6B
Enterprise value
$2.06B
Valuations
Price to book (P/B)
1.12
Price to sales (P/S)
3.22
EV/EBIT
13.42
EV/EBITDA
11.72
EV/Sales
4.16
Earnings
Revenue
$495.12M
EBIT
$153.46M
EBITDA
$175.73M
Free cash flow
$148.2M
Per share
EPS
$2.67
Free cash flow per share
$3.15
Book value per share
$30.28
Revenue per share
$10.51
TBVPS
$274.1
Balance sheet
Total assets
$13.31B
Total liabilities
$11.88B
Debt
$637.39M
Equity
$1.43B
Working capital
N/A
Liquidity
Debt to equity
0.45
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
2.64
Margins
EBITDA margin
35.5%
Gross margin
100%
Net margin
24%
Operating margin
31%
Efficiency
Return on assets
0.9%
Return on equity
9.1%
Return on invested capital
1.2%
Return on capital employed
N/A
Return on sales
31%
Dividend
Dividend yield
3.72%
DPS
$1.26
Payout ratio
47.2%

NBTB stock price

How has the Nbt Bancorp stock price performed over time
Intraday
-0.38%
1 week
-5.15%
1 month
-1.17%
1 year
1.5%
YTD
-19.21%
QTD
-7.69%

Financial performance

How have Nbt Bancorp's revenue and profit performed over time
Revenue
$495.12M
Gross profit
$495.12M
Operating income
$153.46M
Net income
$118.78M
Gross margin
100%
Net margin
24%
NBTB's net income is down by 22% YoY and by 4.6% from the previous quarter
The company's operating income fell by 22% YoY and by 4.3% QoQ
The operating margin has contracted by 21% YoY and by 5% from the previous quarter
Nbt Bancorp's net margin has decreased by 21% YoY and by 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
12.68
P/B
1.12
P/S
3.22
EV/EBIT
13.42
EV/EBITDA
11.72
EV/Sales
4.16
The company's EPS fell by 25% YoY and by 7% QoQ
NBTB's P/E is 10% above its last 4 quarters average of 11.6 and 5% above its 5-year quarterly average of 12.1
The equity has grown by 21% YoY and by 4.6% from the previous quarter
NBTB's price to book (P/B) is 14% lower than its 5-year quarterly average of 1.3 and 7% lower than its last 4 quarters average of 1.2
The price to sales (P/S) is 5% lower than the 5-year quarterly average of 3.4 but 4.2% higher than the last 4 quarters average of 3.1

Efficiency

How efficient is Nbt Bancorp business performance
Nbt Bancorp's return on assets has decreased by 31% YoY and by 10% QoQ
The ROE has contracted by 29% YoY and by 9% from the previous quarter
The ROIC has contracted by 29% YoY and by 8% from the previous quarter
The company's return on sales fell by 21% YoY and by 5% QoQ

Dividends

What is NBTB's dividend history
DPS
$1.26
Dividend yield
3.72%
Payout ratio
47.2%
Recent dividends

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 13% YoY but it has contracted by 3.8% from the previous quarter
The total liabilities has grown by 12% YoY but it has contracted by 4.7% from the previous quarter
Nbt Bancorp's debt is 55% less than its equity
Nbt Bancorp's debt to equity has decreased by 33% YoY and by 17% QoQ
The equity has grown by 21% YoY and by 4.6% from the previous quarter

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