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NBT Bancorp Inc. (NBTB)

Stock Price: $31.59 USD 1.31 (4.33%)
Updated Aug 7, 2020 4:00 PM EDT - Market closed

Stock Price Chart

Key Info

Market Cap 1.38B
Revenue (ttm) 398.45M
Net Income (ttm) 102.26M
Shares Out 43.59M
EPS (ttm) 2.19
PE Ratio 14.42
Forward PE 15.70
Dividend $1.08
Dividend Yield 3.42%

Stock Quote

Trading Day Aug 7, 2020
Last Price $31.59
Previous Close $30.28
Change ($) 1.31
Change (%) 4.33%
Day's Open 30.16
Day's Range 29.97 - 31.60
Day's Volume 72,082
52-Week Range 26.32 - 41.50

More Stats

Market Cap 1.38B
Enterprise Value 1.93B
Earnings Date (est) Oct 26, 2020
Ex-Dividend Date May 29, 2020
Shares Outstanding 43.59M
Float 42.56M
EPS (basic) 2.34
EPS (diluted) 2.19
FCF / Share 3.36
Dividend $1.08
Dividend Yield 3.42%
Earnings Yield 6.93%
FCF Yield 10.68%
Payout Ratio 45.30%
Shares Short 1.24M
Short Ratio 6.28
Short % of Float 3.83%
Beta 0.65
PE Ratio 14.42
Forward PE 15.70
P/FCF Ratio 9.36
PS Ratio 3.46
PB Ratio 1.16
Revenue 398.45M
Operating Income 130.27M
Net Income 102.26M
Free Cash Flow 147.09M
Net Cash -554.18M
Net Cash / Share -12.71
Gross Margin 107.96%
Operating Margin 32.69%
Profit Margin 25.10%
FCF Margin 36.92%
ROA 0.94%
ROE 8.70%
ROIC 1.30%
Stats based on trailing-twelve-month (ttm) numbers.

Analyst Summary

Analyst Ratings (5)

Buy 0
Overweight 0
Hold 5
Underweight 0
Sell 0

Analyst Consensus: Hold

Price Target

$35.33*
(11.84% upside)
Low
33.0
Current: $31.59
High
38.0
Target: 35.33
*Average 12-month price target from 3 stock analysts.

Financial Performance

Financial numbers in millions USD.

Financial Overview

Year2019201820172016201520142013201220112010
Revenue430402374355353358319271260257
Revenue Growth7.12%7.42%5.38%0.54%-1.55%12.39%17.55%4.39%1.26%-
Gross Profit430402374355353358319271260257
Operating Income15513712811911713089.9477.3779.1782.84
Net Income12111382.1578.4176.4375.0761.7554.5657.9057.40
Shares Outstanding43.7943.6743.5443.1643.2943.7343.3233.7533.1134.47
Earnings Per Share2.742.561.871.801.721.691.461.621.711.66
EPS Growth7.03%36.9%3.89%4.65%1.78%15.75%-9.88%-5.26%3.01%-
Dividend Per Share1.050.990.920.900.870.840.810.800.800.80
Dividend Growth6.06%7.61%2.22%3.45%3.57%3.7%1.25%0%0%-
Operating Cash Flow15314813711112587.8111988.8583.7789.44
Capital Expenditures-6.65-7.40-6.69-3.31-8.19-9.00-5.77-6.99-9.95-6.51
Free Cash Flow14714013010711678.8111481.8673.8182.93
Cash & Equivalents17117615714813114015815712999.67
Total Debt8211,047909887674549866606627605
Net Cash / Debt-650-871-752-739-544-409-708-449-499-505
Assets9,7169,5569,1378,8678,2637,8077,6526,0425,5985,339
Liabilities8,5968,5388,1797,9547,3816,9436,8365,4605,0604,805
Book Value1,1201,018958913882864817582538534
Numbers in millions USD, except per-share numbers.

Company Profile

Company Details

Full Name NBT Bancorp Inc.
Country United States
Employees 1,788
CEO John H. Watt

Stock Information

Ticker Symbol NBTB
Stock Exchange NASDAQ
Sector Financial Services
Industry Banks—Regional
Unique Identifier NASDAQ: NBTB

Description

NBT Bancorp Inc., a financial holding company, provides commercial banking, retail banking, and wealth management services. Its deposit products include demand deposit, savings, negotiable order of withdrawal, money market deposit, and certificate of deposit accounts. The company's loan portfolio comprises commercial and industrial, commercial real estate, agricultural, and commercial construction loans; indirect and direct consumer, home equity, direct loans, mortgages, business banking loans, and commercial loans; and residential real estate loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan consulting and recordkeeping services. In addition, the company offers insurance products comprising personal property and casualty, business liability, and commercial insurance, as well as other products and services through 24-hour online, mobile, and telephone channels that enable customers to check balances, make deposits, transfer funds, pay bills, access statements, apply for loans, and access various other products and services. As of December 31, 2019, it had 146 branches and 180 ATMs in Pennsylvania, Vermont, Massachusetts, New Hampshire, and Maine. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York.