N B T BANCORP INC (NBTB)
US6287781024 - Common Stock
Overall NBTB gets a fundamental rating of 3 out of 10. We evaluated NBTB against 405 industry peers in the Banks industry. Both the profitability and financial health of NBTB have multiple concerns. NBTB is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year NBTB was profitable.
NBTB had a positive operating cash flow in the past year.
In the past 5 years NBTB has always been profitable.
In the past 5 years NBTB always reported a positive cash flow from operatings.
1.2 Ratios
With a Return On Assets value of 0.90%, NBTB perfoms like the industry average, outperforming 59.70% of the companies in the same industry.
NBTB's Return On Equity of 8.32% is in line compared to the rest of the industry. NBTB outperforms 51.74% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.9% | ||
| ROE | 8.32% | ||
| 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
NBTB's Profit Margin of 21.96% is in line compared to the rest of the industry. NBTB outperforms 49.01% of its industry peers.
In the last couple of years the Profit Margin of NBTB has declined.
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) | 21.96% | ||
| 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.
NBTB has more shares outstanding than it did 5 years ago.
The debt/assets ratio for NBTB has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of NBTB is 2.84, which is a good value as it means it would take NBTB, 2.84 years of fcf income to pay off all of its debts.
NBTB has a Debt to FCF ratio (2.84) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.33 indicates that NBTB is not too dependend on debt financing.
The Debt to Equity ratio of NBTB (0.33) is worse than 64.68% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.33 | ||
| Debt/FCF | 2.84 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.08%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
NBTB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -14.83%.
The Earnings Per Share has been growing slightly by 3.64% on average over the past years.
Looking at the last year, NBTB shows a small growth in Revenue. The Revenue has grown by 7.90% in the last year.
The Revenue has been growing slightly by 3.87% on average over the past years.
EPS 1Y (TTM)-14.83%
EPS 3Y9.62%
EPS 5Y3.64%
EPS Q2Q%-13.75%
Revenue 1Y (TTM)7.9%
Revenue growth 3Y4.05%
Revenue growth 5Y3.87%
Sales Q2Q%-4.94%
3.2 Future
The Earnings Per Share is expected to grow by 1.06% on average over the next years.
Based on estimates for the next years, NBTB will show a quite strong growth in Revenue. The Revenue will grow by 12.57% on average per year.
EPS Next Y-9.63%
EPS Next 2Y1.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.3%
Revenue Next 2Y11.43%
Revenue Next 3Y12.57%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 15.48, which indicates a correct valuation of NBTB.
Based on the Price/Earnings ratio, NBTB is valued a bit more expensive than the industry average as 67.41% of the companies are valued more cheaply.
NBTB is valuated cheaply when we compare the Price/Earnings ratio to 31.73, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 13.71, which indicates a correct valuation of NBTB.
64.93% of the companies in the same industry are cheaper than NBTB, based on the Price/Forward Earnings ratio.
NBTB is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.71, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.48 | ||
| Fwd PE | 13.71 |
4.2 Price Multiples
NBTB's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.79 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)4.26
EPS Next 2Y1.06%
EPS Next 3YN/A
5. Dividend
5.1 Amount
NBTB has a Yearly Dividend Yield of 3.12%.
Compared to an average industry Dividend Yield of 3.38, NBTB has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.22, NBTB pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.12% |
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 Years24
5.3 Sustainability
NBTB pays out 49.65% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of NBTB is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP49.65%
EPS Next 2Y1.06%
EPS Next 3YN/A
N B T BANCORP INC
NASDAQ:NBTB (10/14/2024, 8:00:02 PM)
After market: 45.37 0 (0%)45.37
+0.44 (+0.98%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap2.14B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.12% |
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)
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Min EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
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EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
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Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
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Revenue beat(16)
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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 | 15.48 | ||
| Fwd PE | 13.71 | ||
| 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)4.26
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.9% | ||
| ROE | 8.32% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 21.96% | ||
| 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 | 0.33 | ||
| 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)
High Growth Momentum
Growth
EPS 1Y (TTM)-14.83%
EPS 3Y9.62%
EPS 5Y
EPS Q2Q%
EPS Next Y-9.63%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)7.9%
Revenue growth 3Y4.05%
Revenue growth 5Y
Sales 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