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N B T BANCORP INC (NBTB) Stock Fundamental Analysis

NASDAQ:NBTB - Nasdaq - US6287781024 - Common Stock - Currency: USD

42.82  +1.27 (+3.06%)

After market: 42.82 0 (0%)

Fundamental Rating

4

Taking everything into account, NBTB scores 4 out of 10 in our fundamental rating. NBTB was compared to 395 industry peers in the Banks industry. NBTB has a bad profitability rating. Also its financial health evaluation is rather negative. NBTB has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year NBTB was profitable.
In the past year NBTB had a positive cash flow from operations.
Each year in the past 5 years NBTB has been profitable.
NBTB had a positive operating cash flow in each of the past 5 years.
NBTB Yearly Net Income VS EBIT VS OCF VS FCFNBTB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

1.2 Ratios

NBTB's Return On Assets of 1.04% is fine compared to the rest of the industry. NBTB outperforms 68.86% of its industry peers.
NBTB's Return On Equity of 9.17% is in line compared to the rest of the industry. NBTB outperforms 56.96% of its industry peers.
Industry RankSector Rank
ROA 1.04%
ROE 9.17%
ROIC N/A
ROA(3y)1.07%
ROA(5y)1.09%
ROE(3y)10.16%
ROE(5y)10.33%
ROIC(3y)N/A
ROIC(5y)N/A
NBTB Yearly ROA, ROE, ROICNBTB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

NBTB has a Profit Margin (24.29%) which is comparable to the rest of the industry.
NBTB's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for NBTB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 24.29%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9%
PM growth 5Y-1.7%
GM growth 3YN/A
GM growth 5YN/A
NBTB Yearly Profit, Operating, Gross MarginsNBTB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

2. Health

2.1 Basic Checks

NBTB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for NBTB remains at a similar level compared to 1 year ago.
Compared to 5 years ago, NBTB has more shares outstanding
The debt/assets ratio for NBTB has been reduced compared to a year ago.
NBTB Yearly Shares OutstandingNBTB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
NBTB Yearly Total Debt VS Total AssetsNBTB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

The Debt to FCF ratio of NBTB is 1.73, which is an excellent value as it means it would take NBTB, only 1.73 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 1.73, NBTB perfoms like the industry average, outperforming 54.68% of the companies in the same industry.
NBTB has a Debt/Equity ratio of 0.20. This is a healthy value indicating a solid balance between debt and equity.
NBTB has a Debt to Equity ratio (0.20) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF 1.73
Altman-Z N/A
ROIC/WACCN/A
WACC13.53%
NBTB Yearly LT Debt VS Equity VS FCFNBTB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
NBTB Yearly Current Assets VS Current LiabilitesNBTB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

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6

3. Growth

3.1 Past

NBTB shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.66%.
NBTB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.64% yearly.
NBTB shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.60%.
NBTB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.84% yearly.
EPS 1Y (TTM)0.66%
EPS 3Y-6%
EPS 5Y1.64%
EPS Q2Q%17.65%
Revenue 1Y (TTM)10.6%
Revenue growth 3Y6.41%
Revenue growth 5Y4.84%
Sales Q2Q%10.04%

3.2 Future

The Earnings Per Share is expected to grow by 21.10% on average over the next years. This is a very strong growth
NBTB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.98% yearly.
EPS Next Y20.48%
EPS Next 2Y21.1%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year20.06%
Revenue Next 2Y15.98%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
NBTB Yearly Revenue VS EstimatesNBTB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M
NBTB Yearly EPS VS EstimatesNBTB Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4

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5

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 13.99, the valuation of NBTB can be described as correct.
NBTB's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 27.21, NBTB is valued a bit cheaper.
Based on the Price/Forward Earnings ratio of 9.93, the valuation of NBTB can be described as reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as NBTB.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.70, NBTB is valued rather cheaply.
Industry RankSector Rank
PE 13.99
Fwd PE 9.93
NBTB Price Earnings VS Forward Price EarningsNBTB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

NBTB's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 12.39
EV/EBITDA N/A
NBTB Per share dataNBTB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as NBTB's earnings are expected to grow with 21.10% in the coming years.
PEG (NY)0.68
PEG (5Y)8.52
EPS Next 2Y21.1%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.26%, NBTB has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.47, NBTB has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.42, NBTB pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.26%

5.2 History

The dividend of NBTB has a limited annual growth rate of 4.78%.
NBTB has been paying a dividend for at least 10 years, so it has a reliable track record.
NBTB has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)4.78%
Div Incr Years12
Div Non Decr Years25
NBTB Yearly Dividends per shareNBTB Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

44.05% of the earnings are spent on dividend by NBTB. This is a bit on the high side, but may be sustainable.
The dividend of NBTB is growing, but earnings are growing more, so the dividend growth is sustainable.
DP44.05%
EPS Next 2Y21.1%
EPS Next 3YN/A
NBTB Yearly Income VS Free CF VS DividendNBTB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
NBTB Dividend Payout.NBTB Dividend Payout, showing the Payout Ratio.NBTB Dividend Payout.PayoutRetained Earnings

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N B T BANCORP INC

NASDAQ:NBTB (7/1/2025, 8:52:01 PM)

After market: 42.82 0 (0%)

42.82

+1.27 (+3.06%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24/amc
Earnings (Next)07-21 2025-07-21/amc
Inst Owners60.89%
Inst Owner Change-4.24%
Ins Owners2.66%
Ins Owner Change1.05%
Market Cap2.24B
Analysts80
Price Target51.41 (20.06%)
Short Float %2.58%
Short Ratio4.54
Dividend
Industry RankSector Rank
Dividend Yield 3.26%
Yearly Dividend1.32
Dividend Growth(5Y)4.78%
DP44.05%
Div Incr Years12
Div Non Decr Years25
Ex-Date06-02 2025-06-02 (0.34)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.18%
Min EPS beat(2)-1.5%
Max EPS beat(2)5.87%
EPS beat(4)2
Avg EPS beat(4)1.06%
Min EPS beat(4)-1.5%
Max EPS beat(4)5.87%
EPS beat(8)4
Avg EPS beat(8)2.15%
EPS beat(12)7
Avg EPS beat(12)1.09%
EPS beat(16)10
Avg EPS beat(16)3.02%
Revenue beat(2)1
Avg Revenue beat(2)-10.39%
Min Revenue beat(2)-21.18%
Max Revenue beat(2)0.39%
Revenue beat(4)1
Avg Revenue beat(4)-15.8%
Min Revenue beat(4)-21.33%
Max Revenue beat(4)0.39%
Revenue beat(8)3
Avg Revenue beat(8)-9.35%
Revenue beat(12)4
Avg Revenue beat(12)-6.91%
Revenue beat(16)5
Avg Revenue beat(16)-5.37%
PT rev (1m)-0.4%
PT rev (3m)-9.6%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.22%
EPS NY rev (1m)0%
EPS NY rev (3m)0.53%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.67%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.4%
Valuation
Industry RankSector Rank
PE 13.99
Fwd PE 9.93
P/S 3.79
P/FCF 12.39
P/OCF 11.56
P/B 1.43
P/tB 1.92
EV/EBITDA N/A
EPS(TTM)3.06
EY7.15%
EPS(NY)4.31
Fwd EY10.07%
FCF(TTM)3.46
FCFY8.07%
OCF(TTM)3.7
OCFY8.65%
SpS11.3
BVpS29.93
TBVpS22.34
PEG (NY)0.68
PEG (5Y)8.52
Profitability
Industry RankSector Rank
ROA 1.04%
ROE 9.17%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.29%
GM N/A
FCFM 30.59%
ROA(3y)1.07%
ROA(5y)1.09%
ROE(3y)10.16%
ROE(5y)10.33%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9%
PM growth 5Y-1.7%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF 1.73
Debt/EBITDA N/A
Cap/Depr 44.13%
Cap/Sales 2.2%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 125.94%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC13.53%
ROIC/WACCN/A
Cap/Depr(3y)46.75%
Cap/Depr(5y)52.6%
Cap/Sales(3y)1.72%
Cap/Sales(5y)1.71%
Profit Quality(3y)122.14%
Profit Quality(5y)119.11%
High Growth Momentum
Growth
EPS 1Y (TTM)0.66%
EPS 3Y-6%
EPS 5Y1.64%
EPS Q2Q%17.65%
EPS Next Y20.48%
EPS Next 2Y21.1%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.6%
Revenue growth 3Y6.41%
Revenue growth 5Y4.84%
Sales Q2Q%10.04%
Revenue Next Year20.06%
Revenue Next 2Y15.98%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y11.06%
FCF growth 3Y5.29%
FCF growth 5Y3.78%
OCF growth 1Y14.08%
OCF growth 3Y5.81%
OCF growth 5Y4.2%