NBT Bancorp Inc. (NBTB)
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% |
Analyst Summary
Analyst Consensus: Hold
Financial Performance
Financial Overview
| Year | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 430 | 402 | 374 | 355 | 353 | 358 | 319 | 271 | 260 | 257 |
| Revenue Growth | 7.12% | 7.42% | 5.38% | 0.54% | -1.55% | 12.39% | 17.55% | 4.39% | 1.26% | - |
| Gross Profit | 430 | 402 | 374 | 355 | 353 | 358 | 319 | 271 | 260 | 257 |
| Operating Income | 155 | 137 | 128 | 119 | 117 | 130 | 89.94 | 77.37 | 79.17 | 82.84 |
| Net Income | 121 | 113 | 82.15 | 78.41 | 76.43 | 75.07 | 61.75 | 54.56 | 57.90 | 57.40 |
| Shares Outstanding | 43.79 | 43.67 | 43.54 | 43.16 | 43.29 | 43.73 | 43.32 | 33.75 | 33.11 | 34.47 |
| Earnings Per Share | 2.74 | 2.56 | 1.87 | 1.80 | 1.72 | 1.69 | 1.46 | 1.62 | 1.71 | 1.66 |
| EPS Growth | 7.03% | 36.9% | 3.89% | 4.65% | 1.78% | 15.75% | -9.88% | -5.26% | 3.01% | - |
| Dividend Per Share | 1.05 | 0.99 | 0.92 | 0.90 | 0.87 | 0.84 | 0.81 | 0.80 | 0.80 | 0.80 |
| Dividend Growth | 6.06% | 7.61% | 2.22% | 3.45% | 3.57% | 3.7% | 1.25% | 0% | 0% | - |
| Operating Cash Flow | 153 | 148 | 137 | 111 | 125 | 87.81 | 119 | 88.85 | 83.77 | 89.44 |
| Capital Expenditures | -6.65 | -7.40 | -6.69 | -3.31 | -8.19 | -9.00 | -5.77 | -6.99 | -9.95 | -6.51 |
| Free Cash Flow | 147 | 140 | 130 | 107 | 116 | 78.81 | 114 | 81.86 | 73.81 | 82.93 |
| Cash & Equivalents | 171 | 176 | 157 | 148 | 131 | 140 | 158 | 157 | 129 | 99.67 |
| Total Debt | 821 | 1,047 | 909 | 887 | 674 | 549 | 866 | 606 | 627 | 605 |
| Net Cash / Debt | -650 | -871 | -752 | -739 | -544 | -409 | -708 | -449 | -499 | -505 |
| Assets | 9,716 | 9,556 | 9,137 | 8,867 | 8,263 | 7,807 | 7,652 | 6,042 | 5,598 | 5,339 |
| Liabilities | 8,596 | 8,538 | 8,179 | 7,954 | 7,381 | 6,943 | 6,836 | 5,460 | 5,060 | 4,805 |
| Book Value | 1,120 | 1,018 | 958 | 913 | 882 | 864 | 817 | 582 | 538 | 534 |
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.