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

NBTB Nbt Bancorp Inc

Price (delayed)

$41.85

Market cap

$1.98B

P/E Ratio

13.77

Dividend/share

$1.34

EPS

$3.04

Enterprise value

$2.07B

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 11% above its 5-year quarterly average of 12.4 but 9% 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
$1.98B
Enterprise value
$2.07B
Valuations
Price to earnings (P/E)
13.77
Price to book (P/B)
1.26
Price to sales (P/S)
3.47
EV/EBIT
11.3
EV/EBITDA
9.82
EV/Sales
3.64
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
3.2%
DPS
$1.34
Payout ratio
44.1%

NBTB stock price

How has the Nbt Bancorp stock price performed over time
Intraday
-0.45%
1 week
0.7%
1 month
-1.16%
1 year
14%
YTD
-12.37%
QTD
-2.45%

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 financials

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 revenue rose by 12% YoY and by 2.2% QoQ
The company's gross profit rose by 12% YoY and by 2.2% QoQ

Price vs fundamentals

How does NBTB's price correlate with its fundamentals

NBTB Price vs fundamentals

NBTB Earnings waterfall

NBTB Price vs fair value

Growth

What is Nbt Bancorp's growth rate over time

NBTB growth chart

Valuation

What is Nbt Bancorp stock price valuation
P/E
13.77
P/B
1.26
P/S
3.47
EV/EBIT
11.3
EV/EBITDA
9.82
EV/Sales
3.64

Valuation vs average

Price to earnings (P/E)

The company's EPS rose by 16% YoY and by 2% QoQ
NBTB's P/E is 11% above its 5-year quarterly average of 12.4 but 9% below its last 4 quarters average of 15.1

Price to book (P/B)

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% lower than its 5-year quarterly average of 1.3 and 3.1% lower than its last 4 quarters average of 1.3

Price to sales (P/S)

The company's revenue rose by 12% YoY and by 2.2% QoQ
The price to sales (P/S) is 6% lower than the last 4 quarters average of 3.7 but 2.1% 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
3.2%
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

Assets vs liabilities

The total assets is 13% more than the total liabilities
The total assets has grown by 3.2% YoY
The total liabilities has grown by 2.5% YoY

Debt vs equity

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

Balance sheet

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