N B T BANCORP INC (NBTB) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:NBTB • US6287781024

46.65 USD
+0.27 (+0.58%)
At close: Feb 6, 2026
46.65 USD
0 (0%)
After Hours: 2/6/2026, 8:00:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

NBTB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 381 industry peers in the Banks industry. Both the profitability and financial health of NBTB have multiple concerns. NBTB is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one! Finally NBTB also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • NBTB had positive earnings in the past year.
  • In the past year NBTB had a positive cash flow from operations.
  • In the past 5 years NBTB has always been profitable.
  • NBTB had a positive operating cash flow in 4 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

1.2 Ratios

  • NBTB has a Return On Assets of 0.93%. This is comparable to the rest of the industry: NBTB outperforms 52.49% of its industry peers.
  • The Return On Equity of NBTB (8.08%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.93%
ROE 8.08%
ROIC N/A
ROA(3y)0.99%
ROA(5y)1.11%
ROE(3y)8.82%
ROE(5y)10.36%
ROIC(3y)N/A
ROIC(5y)N/A
NBTB Yearly ROA, ROE, ROICNBTB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • With a Profit Margin value of 22.67%, NBTB perfoms like the industry average, outperforming 41.47% of the companies in the same industry.
  • In the last couple of years the Profit Margin of NBTB has remained more or less at the same level.
  • 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) 22.67%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.13%
PM growth 5Y1.45%
GM growth 3YN/A
GM growth 5YN/A
NBTB Yearly Profit, Operating, Gross MarginsNBTB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • NBTB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • NBTB has more shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, NBTB has more shares outstanding
  • NBTB has a better debt/assets ratio than last year.
NBTB Yearly Shares OutstandingNBTB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M
NBTB Yearly Total Debt VS Total AssetsNBTB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

2.2 Solvency

  • The Debt to FCF ratio of NBTB is 1.58, which is an excellent value as it means it would take NBTB, only 1.58 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of NBTB (1.58) is comparable to the rest of the industry.
  • A Debt/Equity ratio of 0.17 indicates that NBTB is not too dependend on debt financing.
  • With a Debt to Equity ratio value of 0.17, NBTB perfoms like the industry average, outperforming 49.34% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 1.58
Altman-Z N/A
ROIC/WACCN/A
WACC12.94%
NBTB Yearly LT Debt VS Equity VS FCFNBTB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. Growth

3.1 Past

  • NBTB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 28.57%, which is quite impressive.
  • NBTB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.97% yearly.
  • Looking at the last year, NBTB shows a very strong growth in Revenue. The Revenue has grown by 20.82%.
  • The Revenue has been growing by 8.57% on average over the past years. This is quite good.
EPS 1Y (TTM)28.57%
EPS 3Y2.21%
EPS 5Y8.97%
EPS Q2Q%36.36%
Revenue 1Y (TTM)20.82%
Revenue growth 3Y10.42%
Revenue growth 5Y8.57%
Sales Q2Q%24.71%

3.2 Future

  • The Earnings Per Share is expected to grow by 11.55% on average over the next years. This is quite good.
  • NBTB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.35% yearly.
EPS Next Y13.67%
EPS Next 2Y11.55%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.59%
Revenue Next 2Y7.35%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
NBTB Yearly Revenue VS EstimatesNBTB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M
NBTB Yearly EPS VS EstimatesNBTB Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

More info and screens

Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 12.34, which indicates a correct valuation of NBTB.
  • Compared to the rest of the industry, the Price/Earnings ratio of NBTB is on the same level as its industry peers.
  • When comparing the Price/Earnings ratio of NBTB to the average of the S&P500 Index (27.93), we can say NBTB is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 10.86, the valuation of NBTB can be described as reasonable.
  • The rest of the industry has a similar Price/Forward Earnings ratio as NBTB.
  • When comparing the Price/Forward Earnings ratio of NBTB to the average of the S&P500 Index (27.77), we can say NBTB is valued rather cheaply.
Industry RankSector Rank
PE 12.34
Fwd PE 10.86
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of NBTB is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 12.06
EV/EBITDA N/A
NBTB Per share dataNBTB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • NBTB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.9
PEG (5Y)1.38
EPS Next 2Y11.55%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • NBTB has a Yearly Dividend Yield of 3.19%.
  • NBTB's Dividend Yield is a higher than the industry average which is at 2.53.
  • NBTB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 3.19%

5.2 History

  • The dividend of NBTB has a limited annual growth rate of 4.78%.
  • NBTB has paid a dividend for at least 10 years, which is 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1

5.3 Sustainability

  • 46.30% 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.
DP46.3%
EPS Next 2Y11.55%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
NBTB Dividend Payout.NBTB Dividend Payout, showing the Payout Ratio.NBTB Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

N B T BANCORP INC

NASDAQ:NBTB (2/6/2026, 8:00:01 PM)

After market: 46.65 0 (0%)

46.65

+0.27 (+0.58%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-22
Inst Owners65.35%
Inst Owner Change-0.55%
Ins Owners2.54%
Ins Owner Change-0.47%
Market Cap2.44B
Revenue(TTM)697.04M
Net Income(TTM)149.73M
Analysts80
Price Target49.47 (6.05%)
Short Float %1.58%
Short Ratio3.54
Dividend
Industry RankSector Rank
Dividend Yield 3.19%
Yearly Dividend1.32
Dividend Growth(5Y)4.78%
DP46.3%
Div Incr Years12
Div Non Decr Years25
Ex-Date03-02
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.28%
Min EPS beat(2)6.27%
Max EPS beat(2)6.29%
EPS beat(4)3
Avg EPS beat(4)4.23%
Min EPS beat(4)-1.5%
Max EPS beat(4)6.29%
EPS beat(8)4
Avg EPS beat(8)1.14%
EPS beat(12)7
Avg EPS beat(12)1.89%
EPS beat(16)10
Avg EPS beat(16)2.44%
Revenue beat(2)0
Avg Revenue beat(2)-1.39%
Min Revenue beat(2)-1.9%
Max Revenue beat(2)-0.89%
Revenue beat(4)1
Avg Revenue beat(4)-5.89%
Min Revenue beat(4)-21.18%
Max Revenue beat(4)0.39%
Revenue beat(8)2
Avg Revenue beat(8)-8.83%
Revenue beat(12)3
Avg Revenue beat(12)-7.24%
Revenue beat(16)5
Avg Revenue beat(16)-5.29%
PT rev (1m)0.62%
PT rev (3m)-0.21%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.08%
EPS NY rev (1m)-0.21%
EPS NY rev (3m)-1.19%
Revenue NQ rev (1m)-0.06%
Revenue NQ rev (3m)-0.06%
Revenue NY rev (1m)0.34%
Revenue NY rev (3m)-0.84%
Valuation
Industry RankSector Rank
PE 12.34
Fwd PE 10.86
P/S 3.7
P/FCF 12.06
P/OCF 11.18
P/B 1.32
P/tB 1.82
EV/EBITDA N/A
EPS(TTM)3.78
EY8.1%
EPS(NY)4.3
Fwd EY9.21%
FCF(TTM)3.87
FCFY8.29%
OCF(TTM)4.17
OCFY8.94%
SpS12.62
BVpS35.42
TBVpS25.57
PEG (NY)0.9
PEG (5Y)1.38
Graham Number54.89
Profitability
Industry RankSector Rank
ROA 0.93%
ROE 8.08%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.67%
GM N/A
FCFM 30.64%
ROA(3y)0.99%
ROA(5y)1.11%
ROE(3y)8.82%
ROE(5y)10.36%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.13%
PM growth 5Y1.45%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 1.58
Debt/EBITDA N/A
Cap/Depr 90.7%
Cap/Sales 2.41%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 135.14%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC12.94%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)28.57%
EPS 3Y2.21%
EPS 5Y8.97%
EPS Q2Q%36.36%
EPS Next Y13.67%
EPS Next 2Y11.55%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)20.82%
Revenue growth 3Y10.42%
Revenue growth 5Y8.57%
Sales Q2Q%24.71%
Revenue Next Year9.59%
Revenue Next 2Y7.35%
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 1Y23.39%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y24.67%
OCF growth 3YN/A
OCF growth 5YN/A

N B T BANCORP INC / NBTB FAQ

What is the ChartMill fundamental rating of N B T BANCORP INC (NBTB) stock?

ChartMill assigns a fundamental rating of 4 / 10 to NBTB.


What is the valuation status of N B T BANCORP INC (NBTB) stock?

ChartMill assigns a valuation rating of 4 / 10 to N B T BANCORP INC (NBTB). This can be considered as Fairly Valued.


How profitable is N B T BANCORP INC (NBTB) stock?

N B T BANCORP INC (NBTB) has a profitability rating of 3 / 10.


What is the expected EPS growth for N B T BANCORP INC (NBTB) stock?

The Earnings per Share (EPS) of N B T BANCORP INC (NBTB) is expected to grow by 13.67% in the next year.


Is the dividend of N B T BANCORP INC sustainable?

The dividend rating of N B T BANCORP INC (NBTB) is 7 / 10 and the dividend payout ratio is 46.3%.