N B T BANCORP INC (NBTB) Fundamental Analysis & Valuation

NASDAQ:NBTB • US6287781024

41.63 USD
-0.8 (-1.89%)
At close: Mar 6, 2026
41.63 USD
0 (0%)
After Hours: 3/6/2026, 8:00:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This NBTB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

Overall NBTB gets a fundamental rating of 4 out of 10. We evaluated NBTB against 379 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. NBTB Profitability Analysis

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.
  • Of the past 5 years NBTB 4 years had a positive operating cash flow.
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 (0.93%) which is in line with its industry peers.
  • NBTB has a Return On Equity (8.08%) which is in line with its industry peers.
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

  • NBTB has a Profit Margin (22.67%) which is comparable to the rest of the industry.
  • NBTB's Profit Margin has been stable 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 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

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. NBTB Health Analysis

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.
  • Compared to 1 year ago, NBTB has an improved debt to assets ratio.
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

  • NBTB has a debt to FCF ratio of 1.58. This is a very positive value and a sign of high solvency as it would only need 1.58 years to pay back of all of its debts.
  • NBTB has a Debt to FCF ratio of 1.58. This is comparable to the rest of the industry: NBTB outperforms 54.09% of its industry peers.
  • NBTB has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
  • NBTB has a Debt to Equity ratio of 0.17. This is comparable to the rest of the industry: NBTB outperforms 49.34% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 1.58
Altman-Z N/A
ROIC/WACCN/A
WACC13.28%
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

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

7

3. NBTB Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 28.57% over the past year.
  • Measured over the past years, NBTB shows a quite strong growth in Earnings Per Share. The EPS has been growing by 8.97% on average per year.
  • The Revenue has grown by 20.82% in the past year. This is a very strong growth!
  • 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.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
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

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Find the best growth stocksShow best growing peers

5

4. NBTB Valuation Analysis

4.1 Price/Earnings Ratio

  • NBTB is valuated reasonably with a Price/Earnings ratio of 11.01.
  • Based on the Price/Earnings ratio, NBTB is valued a bit cheaper than 61.74% of the companies in the same industry.
  • NBTB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.29.
  • A Price/Forward Earnings ratio of 9.69 indicates a reasonable valuation of NBTB.
  • 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 24.57, NBTB is valued rather cheaply.
Industry RankSector Rank
PE 11.01
Fwd PE 9.69
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 indicates a somewhat cheap valuation: NBTB is cheaper than 62.01% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 10.76
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

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.81
PEG (5Y)1.23
EPS Next 2Y11.55%
EPS Next 3YN/A

More info and screens

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

7

5. NBTB Dividend Analysis

5.1 Amount

  • NBTB has a Yearly Dividend Yield of 3.33%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.73, NBTB pays a bit more dividend than its industry peers.
  • NBTB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 3.33%

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
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

NBTB Fundamentals: All Metrics, Ratios and Statistics

N B T BANCORP INC

NASDAQ:NBTB (3/6/2026, 8:00:02 PM)

After market: 41.63 0 (0%)

41.63

-0.8 (-1.89%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-22
Inst Owners65.35%
Inst Owner Change-1.2%
Ins Owners2.54%
Ins Owner Change0.43%
Market Cap2.18B
Revenue(TTM)697.04M
Net Income(TTM)149.73M
Analysts80
Price Target49.16 (18.09%)
Short Float %1.51%
Short Ratio3.37
Dividend
Industry RankSector Rank
Dividend Yield 3.33%
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%
PT rev (3m)-1.23%
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%
Revenue NQ rev (3m)-0.06%
Revenue NY rev (1m)-0.42%
Revenue NY rev (3m)-0.84%
Valuation
Industry RankSector Rank
PE 11.01
Fwd PE 9.69
P/S 3.3
P/FCF 10.76
P/OCF 9.98
P/B 1.18
P/tB 1.63
EV/EBITDA N/A
EPS(TTM)3.78
EY9.08%
EPS(NY)4.3
Fwd EY10.32%
FCF(TTM)3.87
FCFY9.29%
OCF(TTM)4.17
OCFY10.02%
SpS12.62
BVpS35.42
TBVpS25.57
PEG (NY)0.81
PEG (5Y)1.23
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
WACC13.28%
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 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 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%.