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NBTB Nbt Bancorp Inc

Price (delayed)

$50.06

Market cap

$2.36B

P/E Ratio

17.44

Dividend/share

$1.32

EPS

$2.87

Enterprise value

$2.57B

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 38% YoY and by 4.1% from the previous quarter
The equity has grown by 12% YoY and by 4.1% from the previous quarter
NBTB's P/E is 41% above its 5-year quarterly average of 12.4 and 16% above its last 4 quarters average of 15.0

Key stats

What are the main financial stats of NBTB
Market
Shares outstanding
47.18M
Market cap
$2.36B
Enterprise value
$2.57B
Valuations
Price to book (P/B)
1.55
Price to sales (P/S)
4.34
EV/EBIT
14.78
EV/EBITDA
12.77
EV/Sales
4.72
Earnings
Revenue
$543.55M
EBIT
$173.7M
EBITDA
$201.11M
Free cash flow
$164.02M
Per share
EPS
$2.87
Free cash flow per share
$3.48
Book value per share
$32.26
Revenue per share
$11.52
TBVPS
$284.95
Balance sheet
Total assets
$13.84B
Total liabilities
$12.32B
Debt
$456.67M
Equity
$1.52B
Working capital
N/A
Liquidity
Debt to equity
0.3
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.02
Margins
EBITDA margin
37%
Gross margin
100%
Net margin
24.9%
Operating margin
32%
Efficiency
Return on assets
1%
Return on equity
9.2%
Return on invested capital
1.3%
Return on capital employed
N/A
Return on sales
32%
Dividend
Dividend yield
2.64%
DPS
$1.32
Payout ratio
46%

NBTB stock price

How has the Nbt Bancorp stock price performed over time
Intraday
0.95%
1 week
-0.12%
1 month
-1.44%
1 year
32.64%
YTD
19.45%
QTD
13.18%

Financial performance

How have Nbt Bancorp's revenue and profit performed over time
Revenue
$543.55M
Gross profit
$543.55M
Operating income
$173.7M
Net income
$135.08M
Gross margin
100%
Net margin
24.9%
The company's gross profit rose by 11% YoY and by 4.2% QoQ
The company's operating income rose by 11% QoQ and by 8% YoY
NBTB's net income is up by 11% from the previous quarter and by 9% YoY
The company's revenue rose by 11% YoY and by 4.2% QoQ

Growth

What is Nbt Bancorp's growth rate over time

Valuation

What is Nbt Bancorp stock price valuation
P/E
17.44
P/B
1.55
P/S
4.34
EV/EBIT
14.78
EV/EBITDA
12.77
EV/Sales
4.72
NBTB's P/E is 41% above its 5-year quarterly average of 12.4 and 16% above its last 4 quarters average of 15.0
The company's EPS rose by 10% QoQ
NBTB's price to book (P/B) is 19% higher than its 5-year quarterly average of 1.3 and 19% higher than its last 4 quarters average of 1.3
The equity has grown by 12% YoY and by 4.1% from the previous quarter
The price to sales (P/S) is 28% higher than the 5-year quarterly average of 3.4 and 17% higher than the last 4 quarters average of 3.7
The company's revenue rose by 11% YoY and by 4.2% QoQ

Efficiency

How efficient is Nbt Bancorp business performance
Nbt Bancorp's return on assets has increased by 11% QoQ
The ROIC has grown by 8% from the previous quarter
The ROE has grown by 8% from the previous quarter but it has contracted by 8% YoY
The company's return on sales rose by 7% QoQ but it fell by 2.4% YoY

Dividends

What is NBTB's dividend history
DPS
$1.32
Dividend yield
2.64%
Payout ratio
46%
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 2.5% from the previous quarter
The total liabilities has grown by 2.3% from the previous quarter
Nbt Bancorp's debt is 70% less than its equity
Nbt Bancorp's debt to equity has decreased by 44% YoY and by 9% QoQ
Nbt Bancorp's debt has decreased by 38% YoY and by 4.1% from the previous quarter

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