NBT Bancorp Inc. (NBTB)

NBT Bancorp Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Year	Current	2023	2022	2021	2020	2019
Market Capitalization	1,824	1,973	1,860	1,670	1,400	1,776
Market Cap Growth	19.59%	6.09%	11.39%	19.24%	-21.16%	17.59%
Enterprise Value	2,180	2,437	2,482	1,824	1,647	2,426
PE Ratio	14.94	16.61	12.24	10.78	13.42	14.68
PS Ratio	3.59	3.99	3.72	3.43	3.41	4.13
PB Ratio	1.27	1.38	1.59	1.34	1.18	1.59
P/FCF Ratio	11.26	13.32	10.56	11.03	10.21	12.10
P/OCF Ratio	10.58	12.53	10.15	10.49	9.64	11.57
EV/Sales Ratio	4.30	4.92	4.96	3.74	4.01	5.64
EV/EBITDA Ratio	12.26	13.87	11.53	8.30	10.72	13.81
EV/EBIT Ratio	14.21	15.88	12.65	9.12	12.38	15.61
EV/FCF Ratio	13.45	16.44	14.08	12.04	12.01	16.53
Debt / Equity Ratio	0.36	0.45	0.67	0.25	0.34	0.73
Debt / EBITDA Ratio	2.91	3.63	3.66	1.42	2.65	4.67
Debt / FCF Ratio	3.20	4.30	4.47	2.06	2.97	5.59
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.05
Return on Equity (ROE)	8.70%	9.10%	12.90%	12.60%	9.10%	11.20%
Return on Assets (ROA)	0.90%	0.90%	1.30%	1.30%	1.00%	1.30%
Return on Capital (ROIC)	6.07%	5.76%	7.75%	9.92%	6.55%	6.23%
Earnings Yield	6.52%	6.02%	8.17%	9.28%	7.45%	6.81%
FCF Yield	8.88%	7.51%	9.47%	9.07%	9.79%	8.27%
Dividend Yield	3.31%	3.00%	2.70%	2.90%	3.40%	2.60%
Payout Ratio	49.42%	46.40%	32.80%	30.80%	45.20%	38.00%
Buyback Yield / Dilution	-9.91%	-9.92%	1.18%	0.63%	0.38%	-0.28%
Total Shareholder Return	-6.60%	-6.92%	3.88%	3.53%	3.78%	2.32%

Source: Financials are provided by Nasdaq Data Link and sourced from the audited annual (10-K) and quarterly (10-Q) reports submitted to the Securities and Exchange Commission (SEC).