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Price (delayed)
$44.38
Market cap
$2.09B
P/E Ratio
17.07
Dividend/share
$1.3
EPS
$2.6
Enterprise value
$2.4B
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 46% YoY and by 8% from the previous quarter
The equity has grown by 21% YoY
NBTB's net income is down by 12% YoY but it is up by 2.2% from the previous quarter
NBTB's P/E is 40% above its 5-year quarterly average of 12.2 and 23% above its last 4 quarters average of 13.9
The company's EPS fell by 20% YoY
Key stats
What are the main financial stats of NBTB
Market
Valuations
Earnings
Shares outstanding
47.17M
Market cap
$2.09B
Enterprise value
$2.4B
Price to earnings (P/E)
17.07
Price to book (P/B)
1.43
Price to sales (P/S)
4.01
EV/EBIT
15.31
EV/EBITDA
13.08
EV/Sales
4.6
Revenue
$521.53M
EBIT
$156.62M
EBITDA
$183.22M
Free cash flow
$167.37M
Per share
Balance sheet
Liquidity
EPS
$2.6
Free cash flow per share
$3.55
Book value per share
$31.01
Revenue per share
$11.06
TBVPS
$277.91
Total assets
$13.5B
Total liabilities
$12.04B
Debt
$476.08M
Equity
$1.46B
Working capital
N/A
Debt to equity
0.33
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.66
Margins
Efficiency
Dividend
EBITDA margin
35.1%
Gross margin
100%
Net margin
23.3%
Operating margin
30%
Return on assets
0.9%
Return on equity
8.5%
Return on invested capital
1.2%
Return on capital employed
N/A
Return on sales
30%
Dividend yield
2.93%
DPS
$1.3
Payout ratio
50%
NBTB stock price
How has the Nbt Bancorp stock price performed over time
Intraday
0.18%
1 week
-3.79%
1 month
-1.42%
1 year
41.47%
YTD
5.89%
QTD
0.34%
Financial performance
How have Nbt Bancorp's revenue and profit performed over time
Revenue
$521.53M
Gross profit
$521.53M
Operating income
$156.62M
Net income
$121.59M
Gross margin
100%
Net margin
23.3%
The operating margin has contracted by 17% YoY
Nbt Bancorp's net margin has decreased by 17% YoY
The company's operating income fell by 13% YoY but it rose by 2.1% QoQ
NBTB's net income is down by 12% YoY but it is up by 2.2% from the previous quarter
Growth
What is Nbt Bancorp's growth rate over time
Valuation
What is Nbt Bancorp stock price valuation
P/E
17.07
P/B
1.43
P/S
4.01
EV/EBIT
15.31
EV/EBITDA
13.08
EV/Sales
4.6
NBTB's P/E is 40% above its 5-year quarterly average of 12.2 and 23% above its last 4 quarters average of 13.9
The company's EPS fell by 20% YoY
The equity has grown by 21% YoY
NBTB's price to book (P/B) is 19% higher than its last 4 quarters average of 1.2 and 10% higher than its 5-year quarterly average of 1.3
The price to sales (P/S) is 18% higher than the 5-year quarterly average of 3.4 and 18% higher than the last 4 quarters average of 3.4
The company's revenue rose by 6% YoY and by 2.8% QoQ
Efficiency
How efficient is Nbt Bancorp business performance
The ROE has contracted by 27% YoY and by 2.3% from the previous quarter
Nbt Bancorp's return on assets has decreased by 25% YoY
The ROIC has contracted by 20% YoY
The company's return on sales fell by 17% YoY
Dividends
What is NBTB's dividend history
DPS
$1.3
Dividend yield
2.93%
Payout ratio
50%
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 14% YoY
The total liabilities has grown by 13% YoY
Nbt Bancorp's debt is 67% less than its equity
Nbt Bancorp's debt to equity has shrunk by 55% YoY and by 8% QoQ
Nbt Bancorp's debt has decreased by 46% YoY and by 8% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.