NBT Bancorp Inc. (NBTB)

NBT Bancorp Statistics

Total Valuation

NBT Bancorp has a market cap or net worth of $2.31 billion. The enterprise value is $2.28 billion.

Market Cap	2.31B
Enterprise Value	2.28B

Important Dates

The next estimated earnings date is Tuesday, January 21, 2025, after market close.

Earnings Date	Jan 21, 2025
Ex-Dividend Date	Dec 2, 2024

Share Statistics

NBT Bancorp has 47.17 million shares outstanding. The number of shares has increased by 8.46% in one year.

Current Share Class	47.17M
Shares Outstanding	47.17M
Shares Change (YoY)	+8.46%
Shares Change (QoQ)	+0.19%
Owned by Insiders (%)	2.75%
Owned by Institutions (%)	63.99%
Float	45.86M

Valuation Ratios

The trailing PE ratio is 17.14 and the forward PE ratio is 15.09.

PE Ratio	17.14
Forward PE	15.09
PS Ratio	4.28
Forward PS	3.62
PB Ratio	1.52
P/TBV Ratio	2.05
P/FCF Ratio	14.06
P/OCF Ratio	13.17
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	16.88
EV / Sales	4.23
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	13.90

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	3.27
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 9.37%.

Return on Equity (ROE)	9.37%
Return on Assets (ROA)	0.98%
Return on Capital (ROIC)	n/a
Revenue Per Employee	$264,898
Profits Per Employee	$66,412
Employee Count	2,034
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, NBT Bancorp has paid $38.61 million in taxes.

Income Tax	38.61M
Effective Tax Rate	22.23%

Stock Price Statistics

The stock price has increased by +17.36% in the last 52 weeks. The beta is 0.51, so NBT Bancorp's price volatility has been lower than the market average.

Beta (5Y)	0.51
52-Week Price Change	+17.36%
50-Day Moving Average	48.18
200-Day Moving Average	42.21
Relative Strength Index (RSI)	46.10
Average Volume (20 Days)	292,974

Short Selling Information

The latest short interest is 1.22 million, so 2.58% of the outstanding shares have been sold short.

Short Interest	1.22M
Short Previous Month	1.14M
Short % of Shares Out	2.58%
Short % of Float	2.65%
Short Ratio (days to cover)	5.78

Income Statement

In the last 12 months, NBT Bancorp had revenue of $538.80 million and earned $135.08 million in profits. Earnings per share was $2.85.

Revenue	538.80M
Gross Profit	538.80M
Operating Income	192.39M
Pretax Income	156.62M
Net Income	135.08M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.85

Balance Sheet

The company has $562.95 million in cash and $536.89 million in debt, giving a net cash position of $26.05 million or $0.55 per share.

Cash & Cash Equivalents	562.95M
Total Debt	536.89M
Net Cash	26.05M
Net Cash Per Share	$0.55
Equity (Book Value)	1.52B
Book Value Per Share	32.26
Working Capital	-11.26B

Cash Flow

In the last 12 months, operating cash flow was $175.05 million and capital expenditures -$11.03 million, giving a free cash flow of $164.02 million.

Operating Cash Flow	175.05M
Capital Expenditures	-11.03M
Free Cash Flow	164.02M
FCF Per Share	$3.48

Margins

Gross Margin	n/a
Operating Margin	35.71%
Pretax Margin	32.24%
Profit Margin	25.07%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	30.44%

Dividends & Yields

This stock pays an annual dividend of $1.36, which amounts to a dividend yield of 2.78%.

Dividend Per Share	$1.36
Dividend Yield	2.78%
Dividend Growth (YoY)	6.45%
Years of Dividend Growth	11
Payout Ratio	47.69%
Buyback Yield	-8.46%
Shareholder Yield	-5.68%
Earnings Yield	5.86%
FCF Yield	7.11%

Analyst Forecast

The average price target for NBT Bancorp is $48.17, which is -1.45% lower than the current price. The consensus rating is "Buy".

Price Target	$48.17
Price Target Difference	-1.45%
Analyst Consensus	Buy
Analyst Count	6
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Splits

The last stock split was on November 29, 1999. It was a forward split with a ratio of 1.05:1.

Last Split Date	Nov 29, 1999
Split Type	Forward
Split Ratio	1.05:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4