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.

In the past year **NBTB** was profitable.

In the past 5 years **NBTB** has always been profitable.

In the past 5 years **NBTB** always reported a positive cash flow from operatings.

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.

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

In the last couple of years the **Profit Margin** of **NBTB** has declined.

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

The number of shares outstanding for **NBTB** has been increased compared to 1 year ago.

The debt/assets ratio for **NBTB** has been reduced compared to a year ago.

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.

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%

Industry Rank | Sector Rank | ||
---|---|---|---|

Current Ratio | N/A | ||

Quick Ratio | N/A |

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%

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

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.

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.

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.

Industry Rank | Sector Rank | ||
---|---|---|---|

PE | 15.48 | ||

Fwd PE | 13.71 |

Industry Rank | Sector Rank | ||
---|---|---|---|

P/FCF | 12.79 | ||

EV/EBITDA | N/A |

PEG (NY)N/A

PEG (5Y)4.26

EPS Next 2Y1.06%

EPS Next 3YN/A

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% |

The dividend of **NBTB** has a limited annual growth rate of **4.74%**.

Dividend Growth(5Y)4.74%

Div Incr Years11

Div Non Decr Years24

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)

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EPS beat(8)

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EPS beat(16)

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Revenue beat(2)

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Revenue beat(4)

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Revenue beat(8)

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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