NBT Bancorp Statistics
Total Valuation
NBT Bancorp has a market cap or net worth of $1.92 billion. The enterprise value is $1.98 billion.
Important Dates
The next estimated earnings date is Monday, July 21, 2025, after market close.
| Earnings Date | Jul 21, 2025 |
| Ex-Dividend Date | Jun 2, 2025 |
Share Statistics
NBT Bancorp has 47.26 million shares outstanding. The number of shares has increased by 3.55% in one year.
| Current Share Class | 47.26M |
| Shares Outstanding | 47.26M |
| Shares Change (YoY) | +3.55% |
| Shares Change (QoQ) | -0.06% |
| Owned by Insiders (%) | 3.00% |
| Owned by Institutions (%) | 67.40% |
| Float | 45.82M |
Valuation Ratios
The trailing PE ratio is 13.41 and the forward PE ratio is 11.09.
| PE Ratio | 13.41 |
| Forward PE | 11.09 |
| PS Ratio | 3.37 |
| Forward PS | 2.60 |
| PB Ratio | 1.23 |
| P/TBV Ratio | 1.64 |
| P/FCF Ratio | 10.62 |
| P/OCF Ratio | 9.91 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 13.78 |
| EV / Sales | 3.47 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 10.94 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 2.21 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 9.55%.
| Return on Equity (ROE) | 9.55% |
| Return on Assets (ROA) | 1.05% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $273,391 |
| Profits Per Employee | $68,921 |
| Employee Count | 2,083 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, NBT Bancorp has paid $39.90 million in taxes.
| Income Tax | 39.90M |
| Effective Tax Rate | 21.75% |
Stock Price Statistics
The stock price has increased by +9.40% in the last 52 weeks. The beta is 0.57, so NBT Bancorp's price volatility has been lower than the market average.
| Beta (5Y) | 0.57 |
| 52-Week Price Change | +9.40% |
| 50-Day Moving Average | 41.93 |
| 200-Day Moving Average | 45.18 |
| Relative Strength Index (RSI) | 43.80 |
| Average Volume (20 Days) | 204,529 |
Short Selling Information
The latest short interest is 1.38 million, so 2.92% of the outstanding shares have been sold short.
| Short Interest | 1.38M |
| Short Previous Month | 1.45M |
| Short % of Shares Out | 2.92% |
| Short % of Float | 3.01% |
| Short Ratio (days to cover) | 4.09 |
Income Statement
In the last 12 months, NBT Bancorp had revenue of $569.47 million and earned $143.56 million in profits. Earnings per share was $3.03.
| Revenue | 569.47M |
| Gross Profit | 569.47M |
| Operating Income | 203.94M |
| Pretax Income | 156.62M |
| Net Income | 143.56M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $3.03 |
Full Income StatementBalance Sheet
The company has $341.10 million in cash and $399.80 million in debt, giving a net cash position of -$58.70 million or -$1.24 per share.
| Cash & Cash Equivalents | 341.10M |
| Total Debt | 399.80M |
| Net Cash | -58.70M |
| Net Cash Per Share | -$1.24 |
| Equity (Book Value) | 1.57B |
| Book Value Per Share | 33.13 |
| Working Capital | -11.48B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $193.83 million and capital expenditures -$13.02 million, giving a free cash flow of $180.81 million.
| Operating Cash Flow | 193.83M |
| Capital Expenditures | -13.02M |
| Free Cash Flow | 180.81M |
| FCF Per Share | $3.83 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 35.81% |
| Pretax Margin | 32.22% |
| Profit Margin | 25.21% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 31.75% |
Dividends & Yields
This stock pays an annual dividend of $1.36, which amounts to a dividend yield of 3.31%.
| Dividend Per Share | $1.36 |
| Dividend Yield | 3.31% |
| Dividend Growth (YoY) | 6.25% |
| Years of Dividend Growth | 12 |
| Payout Ratio | 44.89% |
| Buyback Yield | -3.55% |
| Shareholder Yield | -0.21% |
| Earnings Yield | 7.48% |
| FCF Yield | 9.42% |
Dividend DetailsAnalyst Forecast
The average price target for NBT Bancorp is $52.33, which is 28.80% higher than the current price. The consensus rating is "Buy".
| Price Target | $52.33 |
| Price Target Difference | 28.80% |
| Analyst Consensus | Buy |
| Analyst Count | 3 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside | |
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 |
