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N B T BANCORP INC (NBTB) Stock Fundamental Analysis

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

43.74  -0.3 (-0.68%)

After market: 43.74 0 (0%)

Fundamental Rating

4

Taking everything into account, NBTB scores 4 out of 10 in our fundamental rating. NBTB was compared to 394 industry peers in the Banks industry. NBTB has a bad profitability rating. Also its financial health evaluation is rather negative. NBTB is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

1.2 Ratios

NBTB's Return On Assets of 1.04% is fine compared to the rest of the industry. NBTB outperforms 69.02% of its industry peers.
NBTB has a Return On Equity (9.17%) which is comparable to the rest of the industry.
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 (24.29%) which is in line with its industry peers.
NBTB's Profit Margin has declined in the last couple of years.
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

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3

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 remains at a similar level 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 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

The Debt to FCF ratio of NBTB is 1.73, which is an excellent value as it means it would take NBTB, only 1.73 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.73, NBTB is in line with its industry, outperforming 54.66% of the companies in the same industry.
NBTB has a Debt/Equity ratio of 0.20. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.20, NBTB perfoms like the industry average, outperforming 40.55% 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
WACC13.33%
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

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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.
Looking at the last year, NBTB shows a quite strong growth in Revenue. The Revenue has grown by 10.60% in the last year.
Measured over the past years, NBTB shows a small growth in Revenue. The Revenue has been growing by 4.84% on average per year.
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

Based on estimates for the next years, NBTB will show a very strong growth in Earnings Per Share. The EPS will grow by 21.04% on average per year.
NBTB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.99% yearly.
EPS Next Y20.4%
EPS Next 2Y21.04%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year19.99%
Revenue Next 2Y15.99%
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 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

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5

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 14.29, the valuation of NBTB can be described as correct.
Based on the Price/Earnings ratio, NBTB is valued a bit more expensive than 60.20% of the companies in the same industry.
When comparing the Price/Earnings ratio of NBTB to the average of the S&P500 Index (27.41), we can say NBTB is valued slightly cheaper.
A Price/Forward Earnings ratio of 10.15 indicates a reasonable valuation of NBTB.
Compared to the rest of the industry, the Price/Forward Earnings ratio of NBTB is on the same level as its industry peers.
NBTB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 35.19.
Industry RankSector Rank
PE 14.29
Fwd PE 10.15
NBTB Price Earnings VS Forward Price EarningsNBTB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

NBTB's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 12.66
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 21.04% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.7
PEG (5Y)8.7
EPS Next 2Y21.04%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

NBTB has a Yearly Dividend Yield of 3.09%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.31, NBTB has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.35, NBTB pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.09%

5.2 History

The dividend of NBTB has a limited annual growth rate of 4.78%.
NBTB has been paying a dividend for at least 10 years, so it has 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

44.05% of the earnings are spent on dividend by NBTB. 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 2Y21.04%
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

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N B T BANCORP INC

NASDAQ:NBTB (7/11/2025, 8:00:02 PM)

After market: 43.74 0 (0%)

43.74

-0.3 (-0.68%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24/amc
Earnings (Next)07-28 2025-07-28/amc
Inst Owners60.89%
Inst Owner Change0.01%
Ins Owners2.66%
Ins Owner Change1.05%
Market Cap2.29B
Analysts80
Price Target51.41 (17.54%)
Short Float %2.58%
Short Ratio4.54
Dividend
Industry RankSector Rank
Dividend Yield 3.09%
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)0%
PT rev (3m)-7.69%
EPS NQ rev (1m)0.13%
EPS NQ rev (3m)1.74%
EPS NY rev (1m)-0.07%
EPS NY rev (3m)0.73%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.93%
Revenue NY rev (1m)-0.06%
Revenue NY rev (3m)0.67%
Valuation
Industry RankSector Rank
PE 14.29
Fwd PE 10.15
P/S 3.87
P/FCF 12.66
P/OCF 11.81
P/B 1.46
P/tB 1.96
EV/EBITDA N/A
EPS(TTM)3.06
EY7%
EPS(NY)4.31
Fwd EY9.85%
FCF(TTM)3.46
FCFY7.9%
OCF(TTM)3.7
OCFY8.47%
SpS11.3
BVpS29.93
TBVpS22.34
PEG (NY)0.7
PEG (5Y)8.7
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
WACC13.33%
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 Y20.4%
EPS Next 2Y21.04%
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 Year19.99%
Revenue Next 2Y15.99%
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%