NBT Bancorp Inc. (NBTB)

NBT Bancorp Statistics

Total Valuation

NBT Bancorp has a market cap or net worth of $2.03 billion. The enterprise value is $2.19 billion.

Market Cap	2.03B
Enterprise Value	2.19B

Important Dates

The next estimated earnings date is Monday, April 21, 2025, after market close.

Earnings Date	Apr 21, 2025
Ex-Dividend Date	Mar 3, 2025

Share Statistics

NBT Bancorp has 47.25 million shares outstanding. The number of shares has increased by 5.95% in one year.

Current Share Class	47.25M
Shares Outstanding	47.25M
Shares Change (YoY)	+5.95%
Shares Change (QoQ)	+0.07%
Owned by Insiders (%)	2.76%
Owned by Institutions (%)	67.37%
Float	45.93M

Valuation Ratios

The trailing PE ratio is 14.44 and the forward PE ratio is 12.45.

PE Ratio	14.44
Forward PE	12.45
PS Ratio	3.63
Forward PS	2.97
PB Ratio	1.33
P/TBV Ratio	1.80
P/FCF Ratio	11.46
P/OCF Ratio	10.75
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	15.56
EV / Sales	3.93
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	12.38

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	3.11
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 9.53%.

Return on Equity (ROE)	9.53%
Return on Assets (ROA)	1.04%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$267,566
Profits Per Employee	$67,518
Employee Count	2,083
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, NBT Bancorp has paid $38.82 million in taxes.

Income Tax	38.82M
Effective Tax Rate	21.63%

Stock Price Statistics

The stock price has increased by +16.96% in the last 52 weeks. The beta is 0.47, so NBT Bancorp's price volatility has been lower than the market average.

Beta (5Y)	0.47
52-Week Price Change	+16.96%
50-Day Moving Average	46.08
200-Day Moving Average	45.73
Relative Strength Index (RSI)	36.38
Average Volume (20 Days)	275,485

Short Selling Information

The latest short interest is 1.69 million, so 3.58% of the outstanding shares have been sold short.

Short Interest	1.69M
Short Previous Month	1.43M
Short % of Shares Out	3.58%
Short % of Float	3.68%
Short Ratio (days to cover)	8.29

Income Statement

In the last 12 months, NBT Bancorp had revenue of $557.34 million and earned $140.64 million in profits. Earnings per share was $2.97.

Revenue	557.34M
Gross Profit	557.34M
Operating Income	198.70M
Pretax Income	156.62M
Net Income	140.64M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.97

Balance Sheet

The company has $388.50 million in cash and $549.70 million in debt, giving a net cash position of -$161.20 million or -$3.41 per share.

Cash & Cash Equivalents	388.50M
Total Debt	549.70M
Net Cash	-161.20M
Net Cash Per Share	-$3.41
Equity (Book Value)	1.53B
Book Value Per Share	32.34
Working Capital	-11.41B

Cash Flow

In the last 12 months, operating cash flow was $188.57 million and capital expenditures -$11.74 million, giving a free cash flow of $176.83 million.

Operating Cash Flow	188.57M
Capital Expenditures	-11.74M
Free Cash Flow	176.83M
FCF Per Share	$3.74

Margins

Gross Margin	n/a
Operating Margin	35.65%
Pretax Margin	32.20%
Profit Margin	25.23%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	31.73%

Dividends & Yields

This stock pays an annual dividend of $1.36, which amounts to a dividend yield of 3.17%.

Dividend Per Share	$1.36
Dividend Yield	3.17%
Dividend Growth (YoY)	6.35%
Years of Dividend Growth	10
Payout Ratio	45.79%
Buyback Yield	-5.95%
Shareholder Yield	-2.78%
Earnings Yield	6.94%
FCF Yield	8.72%

Analyst Forecast

The average price target for NBT Bancorp is $54.67, which is 27.44% higher than the current price. The consensus rating is "Hold".

Price Target	$54.67
Price Target Difference	27.44%
Analyst Consensus	Hold
Analyst Count	3
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