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

NASDAQ:NBTB • US6287781024

Current stock price

43.11 USD
-0.14 (-0.32%)
Last:

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

3

1. NBTB Profitability Analysis

1.1 Basic Checks

  • NBTB had positive earnings in the past year.
  • In the past year NBTB had a positive cash flow from operations.
  • Each year in the past 5 years NBTB has been profitable.
  • Each year in the past 5 years NBTB 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 200M

1.2 Ratios

  • NBTB has a Return On Assets of 1.06%. This is comparable to the rest of the industry: NBTB outperforms 59.31% of its industry peers.
  • The Return On Equity of NBTB (8.92%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 1.06%
ROE 8.92%
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 (24.28%) which is in line with its industry peers.
  • 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) 24.28%
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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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.
  • The number of shares outstanding for NBTB has been increased compared to 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

  • The Debt to FCF ratio of NBTB is 1.50, which is an excellent value as it means it would take NBTB, only 1.50 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of NBTB (1.50) 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.
  • NBTB's Debt to Equity ratio of 0.17 is in line compared to the rest of the industry. NBTB outperforms 50.27% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 1.5
Altman-Z N/A
ROIC/WACCN/A
WACC14.08%
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 29.08% 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)29.08%
EPS 3Y2.21%
EPS 5Y8.97%
EPS Q2Q%21.25%
Revenue 1Y (TTM)20.82%
Revenue growth 3Y10.42%
Revenue growth 5Y8.57%
Sales Q2Q%19.64%

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 11.18% on average per year.
  • The Revenue is expected to grow by 7.26% on average over the next years.
EPS Next Y13.11%
EPS Next 2Y11.18%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.7%
Revenue Next 2Y7.26%
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

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Find the best growth stocksShow best growing peers

6

4. NBTB Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 10.91, which indicates a very decent valuation of NBTB.
  • Based on the Price/Earnings ratio, NBTB is valued a bit cheaper than the industry average as 67.29% of the companies are valued more expensively.
  • The average S&P500 Price/Earnings ratio is at 27.42. NBTB is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 9.23 indicates a reasonable valuation of NBTB.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of NBTB indicates a somewhat cheap valuation: NBTB is cheaper than 66.76% of the companies listed in the same industry.
  • NBTB is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.29, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.91
Fwd PE 9.23
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

  • NBTB's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. NBTB is cheaper than 70.21% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.24
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)0.83
PEG (5Y)1.22
EPS Next 2Y11.18%
EPS Next 3YN/A

More info and screens

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

8

5. NBTB Dividend Analysis

5.1 Amount

  • NBTB has a Yearly Dividend Yield of 3.42%. Purely for dividend investing, there may be better candidates out there.
  • NBTB's Dividend Yield is a higher than the industry average which is at 2.55.
  • NBTB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 3.42%

5.2 History

  • The dividend of NBTB is nicely growing with an annual growth rate of 6.37%!
  • 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)6.37%
Div Incr Years13
Div Non Decr Years26
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

  • 42.90% 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.
DP42.9%
EPS Next 2Y11.18%
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 200M
NBTB Dividend Payout.NBTB Dividend Payout, showing the Payout Ratio.NBTB Dividend Payout.PayoutRetained Earnings

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NBTB Fundamentals: All Metrics, Ratios and Statistics

N B T BANCORP INC

NASDAQ:NBTB (4/27/2026, 11:30:00 AM)

43.11

-0.14 (-0.32%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-23
Earnings (Next)07-27
Inst Owners65.15%
Inst Owner Change-1.31%
Ins Owners2.59%
Ins Owner Change3.08%
Market Cap2.24B
Revenue(TTM)697.04M
Net Income(TTM)169.24M
Analysts76.92
Price Target49.98 (15.94%)
Short Float %1.88%
Short Ratio4
Dividend
Industry RankSector Rank
Dividend Yield 3.42%
Yearly Dividend1.46
Dividend Growth(5Y)6.37%
DP42.9%
Div Incr Years13
Div Non Decr Years26
Ex-Date03-02
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.35%
Min EPS beat(2)4.42%
Max EPS beat(2)6.27%
EPS beat(4)4
Avg EPS beat(4)5.71%
Min EPS beat(4)4.42%
Max EPS beat(4)6.29%
EPS beat(8)5
Avg EPS beat(8)2.4%
EPS beat(12)8
Avg EPS beat(12)3%
EPS beat(16)11
Avg EPS beat(16)2.79%
Revenue beat(2)0
Avg Revenue beat(2)-11.12%
Min Revenue beat(2)-21.35%
Max Revenue beat(2)-0.89%
Revenue beat(4)1
Avg Revenue beat(4)-5.93%
Min Revenue beat(4)-21.35%
Max Revenue beat(4)0.39%
Revenue beat(8)2
Avg Revenue beat(8)-10.69%
Revenue beat(12)3
Avg Revenue beat(12)-8.87%
Revenue beat(16)4
Avg Revenue beat(16)-6.74%
PT rev (1m)1.66%
PT rev (3m)1.66%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.68%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.7%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.4%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.32%
Valuation
Industry RankSector Rank
PE 10.91
Fwd PE 9.23
P/S 3.22
P/FCF 10.24
P/OCF 9.53
P/B 1.18
P/tB 1.62
EV/EBITDA N/A
EPS(TTM)3.95
EY9.16%
EPS(NY)4.67
Fwd EY10.84%
FCF(TTM)4.21
FCFY9.76%
OCF(TTM)4.52
OCFY10.49%
SpS13.4
BVpS36.46
TBVpS26.63
PEG (NY)0.83
PEG (5Y)1.22
Graham Number56.9233 (32.04%)
Profitability
Industry RankSector Rank
ROA 1.06%
ROE 8.92%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.28%
GM N/A
FCFM 31.41%
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-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 1.5
Debt/EBITDA N/A
Cap/Depr 65.36%
Cap/Sales 2.34%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 129.36%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC14.08%
ROIC/WACCN/A
Cap/Depr(3y)61.38%
Cap/Depr(5y)60.15%
Cap/Sales(3y)2.05%
Cap/Sales(5y)1.82%
Profit Quality(3y)126.62%
Profit Quality(5y)118.72%
High Growth Momentum
Growth
EPS 1Y (TTM)29.08%
EPS 3Y2.21%
EPS 5Y8.97%
EPS Q2Q%21.25%
EPS Next Y13.11%
EPS Next 2Y11.18%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)20.82%
Revenue growth 3Y10.42%
Revenue growth 5Y8.57%
Sales Q2Q%19.64%
Revenue Next Year9.7%
Revenue Next 2Y7.26%
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 1Y23.8%
FCF growth 3Y7.5%
FCF growth 5Y9.81%
OCF growth 1Y24.74%
OCF growth 3Y8.69%
OCF growth 5Y10.11%

N B T BANCORP INC / NBTB Fundamental Analysis 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 for NBTB stock?

ChartMill assigns a valuation rating of 6 / 10 to N B T BANCORP INC (NBTB). This can be considered as Fairly Valued.


Can you provide the profitability details for N B T BANCORP INC?

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


Can you provide the PE and PB ratios for NBTB stock?

The Price/Earnings (PE) ratio for N B T BANCORP INC (NBTB) is 10.91 and the Price/Book (PB) ratio is 1.18.


How financially healthy is N B T BANCORP INC?

The financial health rating of N B T BANCORP INC (NBTB) is 2 / 10.