Logo image of NBTB

N B T BANCORP INC (NBTB) Stock Fundamental Analysis

NASDAQ:NBTB - Nasdaq - US6287781024 - Common Stock - Currency: USD

41.85  -0.19 (-0.45%)

After market: 41.85 0 (0%)

Fundamental Rating

4

NBTB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 396 industry peers in the Banks industry. NBTB has a bad profitability rating. Also its financial health evaluation is rather negative. NBTB has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

Quickly go to:

3

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.
NBTB had a positive operating cash flow in each 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

1.2 Ratios

NBTB has a Return On Assets of 1.04%. This is in the better half of the industry: NBTB outperforms 68.94% of its industry peers.
NBTB has a Return On Equity (9.17%) which is in line with its industry peers.
Industry RankSector Rank
ROA 1.04%
ROE 9.17%
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
NBTB Yearly ROA, ROE, ROICNBTB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

NBTB has a Profit Margin of 24.29%. This is comparable to the rest of the industry: NBTB outperforms 54.29% of its industry peers.
In the last couple of years the Profit Margin of NBTB has declined.
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) 24.29%
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
NBTB Yearly Profit, Operating, Gross MarginsNBTB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

More info and screens

3

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.
The number of shares outstanding for NBTB has been increased compared to 5 years ago.
The debt/assets ratio for NBTB has been reduced compared to a year ago.
NBTB Yearly Shares OutstandingNBTB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
NBTB Yearly Total Debt VS Total AssetsNBTB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

NBTB has a debt to FCF ratio of 1.73. This is a very positive value and a sign of high solvency as it would only need 1.73 years to pay back of all of its debts.
NBTB has a Debt to FCF ratio (1.73) which is in line with its industry peers.
A Debt/Equity ratio of 0.20 indicates that NBTB is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.20, NBTB is in line with its industry, outperforming 40.91% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF 1.73
Altman-Z N/A
ROIC/WACCN/A
WACC13.47%
NBTB Yearly LT Debt VS Equity VS FCFNBTB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

More info and screens

6

3. Growth

3.1 Past

NBTB shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.66%.
Measured over the past 5 years, NBTB shows a small growth in Earnings Per Share. The EPS has been growing by 1.64% on average per year.
NBTB shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.60%.
The Revenue has been growing slightly by 4.84% on average over the past years.
EPS 1Y (TTM)0.66%
EPS 3Y-6%
EPS 5Y1.64%
EPS Q2Q%17.65%
Revenue 1Y (TTM)10.6%
Revenue growth 3Y6.41%
Revenue growth 5Y4.84%
Sales Q2Q%10.04%

3.2 Future

The Earnings Per Share is expected to grow by 21.10% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 15.98% on average over the next years. This is quite good.
EPS Next Y20.48%
EPS Next 2Y21.1%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year20.06%
Revenue Next 2Y15.98%
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.
NBTB Yearly Revenue VS EstimatesNBTB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M
NBTB Yearly EPS VS EstimatesNBTB Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4

More info and screens

5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 13.68 indicates a correct valuation of NBTB.
Compared to the rest of the industry, the Price/Earnings ratio of NBTB indicates a slightly more expensive valuation: NBTB is more expensive than 63.13% of the companies listed in the same industry.
NBTB is valuated rather cheaply when we compare the Price/Earnings ratio to 26.25, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 9.71, the valuation of NBTB can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of NBTB is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 22.15. NBTB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 13.68
Fwd PE 9.71
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

The rest of the industry has a similar Price/Free Cash Flow ratio as NBTB.
Industry RankSector Rank
P/FCF 12.11
EV/EBITDA N/A
NBTB Per share dataNBTB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

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.
NBTB's earnings are expected to grow with 21.10% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.67
PEG (5Y)8.33
EPS Next 2Y21.1%
EPS Next 3YN/A

More info and screens

6

5. Dividend

5.1 Amount

NBTB has a Yearly Dividend Yield of 3.24%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.46, NBTB has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.38, NBTB pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.24%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

NBTB pays out 44.05% of its income as dividend. This is a bit on the high side, but may be sustainable.
NBTB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP44.05%
EPS Next 2Y21.1%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
NBTB Dividend Payout.NBTB Dividend Payout, showing the Payout Ratio.NBTB Dividend Payout.PayoutRetained Earnings

More info and screens

N B T BANCORP INC

NASDAQ:NBTB (5/30/2025, 8:19:34 PM)

After market: 41.85 0 (0%)

41.85

-0.19 (-0.45%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24/amc
Earnings (Next)07-21 2025-07-21/amc
Inst Owners68.22%
Inst Owner Change-4.25%
Ins Owners3.21%
Ins Owner Change0.93%
Market Cap2.19B
Analysts80
Price Target51.61 (23.32%)
Short Float %4.23%
Short Ratio5.75
Dividend
Industry RankSector Rank
Dividend Yield 3.24%
Yearly Dividend1.32
Dividend Growth(5Y)4.78%
DP44.05%
Div Incr Years12
Div Non Decr Years25
Ex-Date06-02 2025-06-02 (0.34)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.18%
Min EPS beat(2)-1.5%
Max EPS beat(2)5.87%
EPS beat(4)2
Avg EPS beat(4)1.06%
Min EPS beat(4)-1.5%
Max EPS beat(4)5.87%
EPS beat(8)4
Avg EPS beat(8)2.15%
EPS beat(12)7
Avg EPS beat(12)1.09%
EPS beat(16)10
Avg EPS beat(16)3.02%
Revenue beat(2)1
Avg Revenue beat(2)-10.39%
Min Revenue beat(2)-21.18%
Max Revenue beat(2)0.39%
Revenue beat(4)1
Avg Revenue beat(4)-15.8%
Min Revenue beat(4)-21.33%
Max Revenue beat(4)0.39%
Revenue beat(8)3
Avg Revenue beat(8)-9.35%
Revenue beat(12)4
Avg Revenue beat(12)-6.91%
Revenue beat(16)5
Avg Revenue beat(16)-5.37%
PT rev (1m)-1.56%
PT rev (3m)-9.24%
EPS NQ rev (1m)-2.21%
EPS NQ rev (3m)3.22%
EPS NY rev (1m)1.44%
EPS NY rev (3m)0.53%
Revenue NQ rev (1m)0.97%
Revenue NQ rev (3m)2.67%
Revenue NY rev (1m)0.76%
Revenue NY rev (3m)0.4%
Valuation
Industry RankSector Rank
PE 13.68
Fwd PE 9.71
P/S 3.7
P/FCF 12.11
P/OCF 11.3
P/B 1.4
P/tB 1.87
EV/EBITDA N/A
EPS(TTM)3.06
EY7.31%
EPS(NY)4.31
Fwd EY10.3%
FCF(TTM)3.46
FCFY8.26%
OCF(TTM)3.7
OCFY8.85%
SpS11.3
BVpS29.93
TBVpS22.34
PEG (NY)0.67
PEG (5Y)8.33
Profitability
Industry RankSector Rank
ROA 1.04%
ROE 9.17%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.29%
GM N/A
FCFM 30.59%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score9
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF 1.73
Debt/EBITDA N/A
Cap/Depr 44.13%
Cap/Sales 2.2%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 125.94%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC13.47%
ROIC/WACCN/A
Cap/Depr(3y)46.75%
Cap/Depr(5y)52.6%
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)0.66%
EPS 3Y-6%
EPS 5Y1.64%
EPS Q2Q%17.65%
EPS Next Y20.48%
EPS Next 2Y21.1%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.6%
Revenue growth 3Y6.41%
Revenue growth 5Y4.84%
Sales Q2Q%10.04%
Revenue Next Year20.06%
Revenue Next 2Y15.98%
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 1Y11.06%
FCF growth 3Y5.29%
FCF growth 5Y3.78%
OCF growth 1Y14.08%
OCF growth 3Y5.81%
OCF growth 5Y4.2%