N B T BANCORP INC (NBTB) Stock Fundamental Analysis
USA - NASDAQ:NBTB - US6287781024 - Common Stock
39.905 USD
-1.39 (-3.38%)
39.905 USD
0 (0%)
Overall NBTB gets a fundamental rating of 4 out of 10. We evaluated NBTB against 390 industry peers in the Banks industry. Both the profitability and financial health of NBTB have multiple concerns. NBTB has a decent growth rate and is not valued too expensively. Finally NBTB also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
NBTB had positive earnings in the past year.
NBTB had a positive operating cash flow in the past year.
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.
1.2 Ratios
NBTB's Return On Assets of 0.83% is in line compared to the rest of the industry. NBTB outperforms 48.46% of its industry peers.
NBTB's Return On Equity of 7.39% is in line compared to the rest of the industry. NBTB outperforms 40.77% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.83% | ||
| ROE | 7.39% | ||
| 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
1.3 Margins
Looking at the Profit Margin, with a value of 21.45%, NBTB is in line with its industry, outperforming 40.77% of the companies in the same industry.
NBTB's Profit Margin has declined in the last couple of years.
NBTB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 21.45% | ||
| 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
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 about the same amout of shares outstanding than it did 1 year ago.
NBTB has more shares outstanding than it did 5 years ago.
NBTB has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of NBTB is 2.34, which is a good value as it means it would take NBTB, 2.34 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 2.34, NBTB perfoms like the industry average, outperforming 46.41% of the companies in the same industry.
NBTB has a Debt/Equity ratio of 0.23. This is a healthy value indicating a solid balance between debt and equity.
NBTB has a Debt to Equity ratio of 0.23. This is in the lower half of the industry: NBTB underperforms 61.28% of its industry peers.
Even though the debt/equity ratio score it not favorable for NBTB, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 2.34 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.3%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
NBTB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 21.11%, which is quite impressive.
NBTB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.64% yearly.
Looking at the last year, NBTB shows a quite strong growth in Revenue. The Revenue has grown by 10.87% in the last year.
The Revenue has been growing slightly by 4.84% on average over the past years.
EPS 1Y (TTM)21.11%
EPS 3Y-6%
EPS 5Y1.64%
EPS Q2Q%31.25%
Revenue 1Y (TTM)10.87%
Revenue growth 3Y6.41%
Revenue growth 5Y4.84%
Sales Q2Q%58.92%
3.2 Future
Based on estimates for the next years, NBTB will show a quite strong growth in Earnings Per Share. The EPS will grow by 18.13% on average per year.
The Revenue is expected to grow by 15.88% on average over the next years. This is quite good.
EPS Next Y24.79%
EPS Next 2Y21.55%
EPS Next 3Y18.13%
EPS Next 5YN/A
Revenue Next Year20.47%
Revenue Next 2Y15.88%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 11.40, the valuation of NBTB can be described as reasonable.
The rest of the industry has a similar Price/Earnings ratio as NBTB.
Compared to an average S&P500 Price/Earnings ratio of 26.76, NBTB is valued rather cheaply.
NBTB is valuated reasonably with a Price/Forward Earnings ratio of 9.19.
NBTB's Price/Forward Earnings ratio is in line with the industry average.
NBTB is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.63, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.4 | ||
| Fwd PE | 9.19 |
4.2 Price Multiples
NBTB's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.89 | ||
| EV/EBITDA | N/A |
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.
A more expensive valuation may be justified as NBTB's earnings are expected to grow with 18.13% in the coming years.
PEG (NY)0.46
PEG (5Y)6.94
EPS Next 2Y21.55%
EPS Next 3Y18.13%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.63%, NBTB has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.50, NBTB pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.31, NBTB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.63% |
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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)4.78%
Div Incr Years12
Div Non Decr Years25
5.3 Sustainability
49.46% 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.
DP49.46%
EPS Next 2Y21.55%
EPS Next 3Y18.13%
39.905
-1.39 (-3.38%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners66.25%
Inst Owner Change-0.32%
Ins Owners2.54%
Ins Owner Change-3.18%
Market Cap2.09B
Revenue(TTM)576.95M
Net Income(TTM)133.36M
Analysts78.46
Price Target49.57 (24.22%)
Short Float %2.06%
Short Ratio5.86
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.63% |
Yearly Dividend1.32
Dividend Growth(5Y)4.78%
DP49.46%
Div Incr Years12
Div Non Decr Years25
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.08%
Min EPS beat(2)5.87%
Max EPS beat(2)6.29%
EPS beat(4)3
Avg EPS beat(4)2.94%
Min EPS beat(4)-1.5%
Max EPS beat(4)6.29%
EPS beat(8)4
Avg EPS beat(8)2.63%
EPS beat(12)7
Avg EPS beat(12)1.38%
EPS beat(16)10
Avg EPS beat(16)2.34%
Revenue beat(2)1
Avg Revenue beat(2)-0.75%
Min Revenue beat(2)-1.9%
Max Revenue beat(2)0.39%
Revenue beat(4)1
Avg Revenue beat(4)-10.94%
Min Revenue beat(4)-21.18%
Max Revenue beat(4)0.39%
Revenue beat(8)3
Avg Revenue beat(8)-8.51%
Revenue beat(12)3
Avg Revenue beat(12)-7.22%
Revenue beat(16)5
Avg Revenue beat(16)-5.43%
PT rev (1m)0%
PT rev (3m)0.67%
EPS NQ rev (1m)-0.61%
EPS NQ rev (3m)3.36%
EPS NY rev (1m)-0.41%
EPS NY rev (3m)3.65%
Revenue NQ rev (1m)0.1%
Revenue NQ rev (3m)0.75%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.4%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.4 | ||
| Fwd PE | 9.19 | ||
| P/S | 3.36 | ||
| P/FCF | 11.89 | ||
| P/OCF | 11.02 | ||
| P/B | 1.16 | ||
| P/tB | 1.62 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.5
EY8.77%
EPS(NY)4.34
Fwd EY10.88%
FCF(TTM)3.36
FCFY8.41%
OCF(TTM)3.62
OCFY9.08%
SpS11.87
BVpS34.46
TBVpS24.56
PEG (NY)0.46
PEG (5Y)6.94
Graham Number52.09
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.83% | ||
| ROE | 7.39% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 21.45% | ||
| GM | N/A | ||
| FCFM | 28.28% |
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
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-9%
PM growth 5Y-1.7%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 2.34 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 79.54% | ||
| Cap/Sales | 2.25% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 131.84% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC13.3%
ROIC/WACCN/A
Cap/Depr(3y)58.26%
Cap/Depr(5y)59.51%
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)21.11%
EPS 3Y-6%
EPS 5Y1.64%
EPS Q2Q%31.25%
EPS Next Y24.79%
EPS Next 2Y21.55%
EPS Next 3Y18.13%
EPS Next 5YN/A
Revenue 1Y (TTM)10.87%
Revenue growth 3Y6.41%
Revenue growth 5Y4.84%
Sales Q2Q%58.92%
Revenue Next Year20.47%
Revenue Next 2Y15.88%
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 1Y25.49%
FCF growth 3Y5.29%
FCF growth 5Y3.78%
OCF growth 1Y28.49%
OCF growth 3Y5.81%
OCF growth 5Y4.2%
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.
Can you provide the valuation status for N B T BANCORP INC?
ChartMill assigns a valuation rating of 5 / 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 are the PE and PB ratios of N B T BANCORP INC (NBTB) stock?
The Price/Earnings (PE) ratio for N B T BANCORP INC (NBTB) is 11.4 and the Price/Book (PB) ratio is 1.16.
What is the financial health of N B T BANCORP INC (NBTB) stock?
The financial health rating of N B T BANCORP INC (NBTB) is 3 / 10.