NBT Bancorp Statistics
Total Valuation
NBT Bancorp has a market cap or net worth of $2.17 billion. The enterprise value is $2.05 billion.
| Market Cap | 2.17B |
| Enterprise Value | 2.05B |
Important Dates
The next estimated earnings date is Thursday, April 23, 2026, after market close.
| Earnings Date | Apr 23, 2026 |
| Ex-Dividend Date | Mar 2, 2026 |
Share Statistics
NBT Bancorp has 52.20 million shares outstanding. The number of shares has increased by 7.26% in one year.
| Current Share Class | 52.20M |
| Shares Outstanding | 52.20M |
| Shares Change (YoY) | +7.26% |
| Shares Change (QoQ) | -0.23% |
| Owned by Insiders (%) | 2.60% |
| Owned by Institutions (%) | 64.78% |
| Float | 50.83M |
Valuation Ratios
The trailing PE ratio is 12.50 and the forward PE ratio is 9.93.
| PE Ratio | 12.50 |
| Forward PE | 9.93 |
| PS Ratio | 3.27 |
| Forward PS | 2.78 |
| PB Ratio | 1.15 |
| P/TBV Ratio | 1.57 |
| P/FCF Ratio | 9.93 |
| P/OCF Ratio | 9.24 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 12.09 |
| EV / Sales | 3.08 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 9.35 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 1.96 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 9.89%.
| Return on Equity (ROE) | 9.89% |
| Return on Assets (ROA) | 1.14% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 5.77% |
| Revenue Per Employee | $288,660 |
| Profits Per Employee | $73,485 |
| Employee Count | 2,303 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, NBT Bancorp has paid $50.21 million in taxes.
| Income Tax | 50.21M |
| Effective Tax Rate | 22.88% |
Stock Price Statistics
The stock price has decreased by -7.54% in the last 52 weeks. The beta is 0.48, so NBT Bancorp's price volatility has been lower than the market average.
| Beta (5Y) | 0.48 |
| 52-Week Price Change | -7.54% |
| 50-Day Moving Average | 43.84 |
| 200-Day Moving Average | 42.53 |
| Relative Strength Index (RSI) | 35.77 |
| Average Volume (20 Days) | 221,983 |
Short Selling Information
The latest short interest is 764,873, so 1.47% of the outstanding shares have been sold short.
| Short Interest | 764,873 |
| Short Previous Month | 802,664 |
| Short % of Shares Out | 1.47% |
| Short % of Float | 1.50% |
| Short Ratio (days to cover) | 3.45 |
Income Statement
In the last 12 months, NBT Bancorp had revenue of $664.79 million and earned $169.24 million in profits. Earnings per share was $3.33.
| Revenue | 664.79M |
| Gross Profit | 664.79M |
| Operating Income | 261.45M |
| Pretax Income | 219.44M |
| Net Income | 169.24M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $3.33 |
Balance Sheet
The company has $555.23 million in cash and $428.62 million in debt, with a net cash position of $126.61 million or $2.43 per share.
| Cash & Cash Equivalents | 555.23M |
| Total Debt | 428.62M |
| Net Cash | 126.61M |
| Net Cash Per Share | $2.43 |
| Equity (Book Value) | 1.90B |
| Book Value Per Share | 36.32 |
| Working Capital | -13.12B |
Cash Flow
In the last 12 months, operating cash flow was $235.22 million and capital expenditures -$16.30 million, giving a free cash flow of $218.92 million.
| Operating Cash Flow | 235.22M |
| Capital Expenditures | -16.30M |
| Free Cash Flow | 218.92M |
| FCF Per Share | $4.19 |
Margins
| Gross Margin | n/a |
| Operating Margin | 39.33% |
| Pretax Margin | 33.01% |
| Profit Margin | 25.46% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 32.93% |
Dividends & Yields
This stock pays an annual dividend of $1.48, which amounts to a dividend yield of 3.56%.
| Dividend Per Share | $1.48 |
| Dividend Yield | 3.56% |
| Dividend Growth (YoY) | 8.21% |
| Years of Dividend Growth | 13 |
| Payout Ratio | 43.54% |
| Buyback Yield | -7.26% |
| Shareholder Yield | -3.70% |
| Earnings Yield | 7.79% |
| FCF Yield | 10.07% |
Analyst Forecast
The average price target for NBT Bancorp is $52.00, which is 24.96% higher than the current price. The consensus rating is "Strong Buy".
| Price Target | $52.00 |
| Price Target Difference | 24.96% |
| Analyst Consensus | Strong Buy |
| Analyst Count | 3 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Fair 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 |