NBT Bancorp Statistics

Total Valuation

NBT Bancorp has a market cap or net worth of $2.01 billion. The enterprise value is $2.07 billion.

Market Cap	2.01B
Enterprise Value	2.07B

Important Dates

The last earnings date was Thursday, April 24, 2025, after market close.

Earnings Date	Apr 24, 2025
Ex-Dividend Date	Mar 3, 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 (%)	1.98%
Owned by Institutions (%)	66.79%
Float	46.30M

Valuation Ratios

The trailing PE ratio is 14.06 and the forward PE ratio is 11.53.

PE Ratio	14.06
Forward PE	11.53
PS Ratio	3.53
Forward PS	2.93
PB Ratio	1.28
P/TBV Ratio	1.72
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	14.43
EV / Sales	3.64
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
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 +18.47% in the last 52 weeks. The beta is 0.53, so NBT Bancorp's price volatility has been lower than the market average.

Beta (5Y)	0.53
52-Week Price Change	+18.47%
50-Day Moving Average	43.32
200-Day Moving Average	46.01
Relative Strength Index (RSI)	57.19
Average Volume (20 Days)	287,261

Short Selling Information

The latest short interest is 1.96 million, so 4.15% of the outstanding shares have been sold short.

Short Interest	1.96M
Short Previous Month	1.72M
Short % of Shares Out	4.15%
Short % of Float	4.24%
Short Ratio (days to cover)	6.73

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	203.87M
Pretax Income	156.62M
Net Income	143.56M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$3.03

Full Income Statement

Balance Sheet

The company has $254.08 million in cash and $312.98 million in debt, giving a net cash position of -$58.89 million or -$1.25 per share.

Cash & Cash Equivalents	254.08M
Total Debt	312.98M
Net Cash	-58.89M
Net Cash Per Share	-$1.25
Equity (Book Value)	1.57B
Book Value Per Share	33.24
Working Capital	-11.53B

Full Balance Sheet

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	35.80%
Pretax Margin	32.22%
Profit Margin	25.21%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $1.36, which amounts to a dividend yield of 3.20%.

Dividend Per Share	$1.36
Dividend Yield	3.20%
Dividend Growth (YoY)	6.35%
Years of Dividend Growth	10
Payout Ratio	44.89%
Buyback Yield	-3.55%
Shareholder Yield	-0.36%
Earnings Yield	7.13%
FCF Yield	n/a

Dividend Details

Analyst Forecast

The average price target for NBT Bancorp is $54.67, which is 28.55% higher than the current price. The consensus rating is "Hold".

Price Target	$54.67
Price Target Difference	28.55%
Analyst Consensus	Hold
Analyst Count	3
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Forecasts

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	2