N B T BANCORP INC (NBTB)
US6287781024 - Common Stock
Taking everything into account, NBTB scores 2 out of 10 in our fundamental rating. NBTB was compared to 412 industry peers in the Banks industry. NBTB may be in some trouble as it scores bad on both profitability and health. NBTB does not seem to be growing, but still is valued expensively.
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.
In the past 5 years NBTB has always been profitable.
Each year in the past 5 years NBTB had a positive operating cash flow.
1.2 Ratios
NBTB has a Return On Assets (0.89%) which is comparable to the rest of the industry.
The Return On Equity of NBTB (8.34%) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.89% | ||
| ROE | 8.34% | ||
| ROIC | N/A |
ROA(3y)1.16%
ROA(5y)1.14%
ROE(3y)11.22%
ROE(5y)10.65%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a Profit Margin value of 22.84%, NBTB perfoms like the industry average, outperforming 47.69% of the companies in the same 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 22.84% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.33%
PM growth 5Y-2.69%
GM growth 3YN/A
GM growth 5YN/A
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 has been increased compared to 1 year ago.
The number of shares outstanding for NBTB has been increased compared to 5 years ago.
NBTB has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of NBTB is 4.30, which is a neutral value as it means it would take NBTB, 4.30 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 4.30, NBTB is not doing good in the industry: 62.77% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.45 indicates that NBTB is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.45, NBTB is not doing good in the industry: 68.37% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.45 | ||
| Debt/FCF | 4.3 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.95%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for NBTB have decreased strongly by -13.64% in the last year.
Measured over the past 5 years, NBTB shows a small growth in Earnings Per Share. The EPS has been growing by 3.64% on average per year.
Looking at the last year, NBTB shows a small growth in Revenue. The Revenue has grown by 2.50% in the last year.
NBTB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.87% yearly.
EPS 1Y (TTM)-13.64%
EPS 3Y9.62%
EPS 5Y3.64%
EPS growth Q2Q-22.73%
Revenue 1Y (TTM)2.5%
Revenue growth 3Y4.05%
Revenue growth 5Y3.87%
Revenue growth Q2Q11.12%
3.2 Future
NBTB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.11% yearly.
NBTB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.30% yearly.
EPS Next Y-7.42%
EPS Next 2Y2.11%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.28%
Revenue Next 2Y6.3%
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 decreasing.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 12.58, NBTB is valued correctly.
Based on the Price/Earnings ratio, NBTB is valued a bit more expensive than the industry average as 65.21% of the companies are valued more cheaply.
When comparing the Price/Earnings ratio of NBTB to the average of the S&P500 Index (28.15), we can say NBTB is valued rather cheaply.
NBTB is valuated reasonably with a Price/Forward Earnings ratio of 11.32.
NBTB's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. NBTB is more expensive than 60.34% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of NBTB to the average of the S&P500 Index (20.20), we can say NBTB is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.58 | ||
| Fwd PE | 11.32 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, NBTB is valued a bit more expensive than 64.23% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.17 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)3.46
EPS Next 2Y2.11%
EPS Next 3YN/A
5. Dividend
5.1 Amount
NBTB has a Yearly Dividend Yield of 3.38%.
NBTB's Dividend Yield is comparable with the industry average which is at 3.67.
Compared to an average S&P500 Dividend Yield of 2.33, NBTB pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.38% |
5.2 History
The dividend of NBTB has a limited annual growth rate of 4.74%.
NBTB has been paying a dividend for at least 10 years, so it has a reliable track record.
NBTB has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)4.74%
Div Incr Years11
Div Non Decr Years19
5.3 Sustainability
47.02% of the earnings are spent on dividend by NBTB. This is a bit on the high side, but may be sustainable.
NBTB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP47.02%
EPS Next 2Y2.11%
EPS Next 3YN/A
N B T BANCORP INC
NASDAQ:NBTB (5/17/2024, 7:15:40 PM)
After market: 38.25 0 (0%)38.25
+0.43 (+1.14%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap1.80B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.38% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.58 | ||
| Fwd PE | 11.32 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)3.46
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.89% | ||
| ROE | 8.34% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 22.84% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.45 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-13.64%
EPS 3Y9.62%
EPS 5Y
EPS growth Q2Q
EPS Next Y-7.42%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)2.5%
Revenue growth 3Y4.05%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y