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N B T BANCORP INC (NBTB) Stock Fundamental Analysis

USA - NASDAQ:NBTB - US6287781024 - Common Stock

42.83 USD
0 (0%)
Last: 9/23/2025, 8:00:01 PM
42.83 USD
0 (0%)
After Hours: 9/23/2025, 8:00:01 PM
Fundamental Rating

4

Taking everything into account, NBTB scores 4 out of 10 in our fundamental rating. NBTB was compared to 392 industry peers in the Banks industry. NBTB may be in some trouble as it scores bad on both profitability and health. NBTB is not valued too expensively and it also shows a decent growth rate. Finally NBTB also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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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.
Each year in the past 5 years NBTB has been profitable.
In the past 5 years NBTB always reported a positive cash flow from operatings.
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 0.83%. This is comparable to the rest of the industry: NBTB outperforms 48.72% of its industry peers.
With a Return On Equity value of 7.39%, NBTB perfoms like the industry average, outperforming 42.35% of the companies in the same industry.
Industry RankSector Rank
ROA 0.83%
ROE 7.39%
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

The Profit Margin of NBTB (21.45%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of NBTB has declined.
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) 21.45%
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.
Compared to 1 year ago, NBTB has about the same amount of shares outstanding.
The number of shares outstanding for NBTB has been increased compared to 5 years ago.
NBTB has a better debt/assets ratio than last year.
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 2.34. This is a good value and a sign of high solvency as NBTB would need 2.34 years to pay back of all of its debts.
With a Debt to FCF ratio value of 2.34, NBTB perfoms like the industry average, outperforming 45.66% of the companies in the same industry.
A Debt/Equity ratio of 0.23 indicates that NBTB is not too dependend on debt financing.
NBTB's Debt to Equity ratio of 0.23 is on the low side compared to the rest of the industry. NBTB is outperformed by 60.97% of its industry peers.
Even though the debt/equity ratio score it not favorable for NBTB, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 2.34
Altman-Z N/A
ROIC/WACCN/A
WACC13.17%
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

The Earnings Per Share has grown by an nice 10.92% over the past year.
The Earnings Per Share has been growing slightly by 1.64% on average over the past years.
The Revenue has grown by 12.29% in the past year. This is quite good.
NBTB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.84% yearly.
EPS 1Y (TTM)10.92%
EPS 3Y-6%
EPS 5Y1.64%
EPS Q2Q%27.54%
Revenue 1Y (TTM)12.29%
Revenue growth 3Y6.41%
Revenue growth 5Y4.84%
Sales Q2Q%53.2%

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 21.94% on average per year.
NBTB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.85% yearly.
EPS Next Y25.3%
EPS Next 2Y21.94%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year20.47%
Revenue Next 2Y15.85%
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.
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.
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

NBTB is valuated correctly with a Price/Earnings ratio of 13.18.
NBTB's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 27.41. NBTB is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 9.80 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.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.87, NBTB is valued rather cheaply.
Industry RankSector Rank
PE 13.18
Fwd PE 9.8
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 in line with the industry average.
Industry RankSector Rank
P/FCF 12.76
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

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 21.94% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.52
PEG (5Y)8.02
EPS Next 2Y21.94%
EPS Next 3YN/A

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7

5. Dividend

5.1 Amount

NBTB has a Yearly Dividend Yield of 3.35%.
Compared to an average industry Dividend Yield of 3.47, NBTB pays a bit more dividend than its industry peers.
NBTB's Dividend Yield is a higher than the S&P500 average which is at 2.38.
Industry RankSector Rank
Dividend Yield 3.35%

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

49.46% 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.
DP49.46%
EPS Next 2Y21.94%
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 (9/23/2025, 8:00:01 PM)

After market: 42.83 0 (0%)

42.83

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-28 2025-07-28/amc
Earnings (Next)10-27 2025-10-27/amc
Inst Owners61.09%
Inst Owner Change8.99%
Ins Owners2.66%
Ins Owner Change-1.49%
Market Cap2.24B
Analysts78.46
Price Target51.17 (19.47%)
Short Float %2.32%
Short Ratio6.31
Dividend
Industry RankSector Rank
Dividend Yield 3.35%
Yearly Dividend1.32
Dividend Growth(5Y)4.78%
DP49.46%
Div Incr Years12
Div Non Decr Years25
Ex-Date08-29 2025-08-29 (0.37)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.08%
Min EPS beat(2)5.87%
Max EPS beat(2)6.29%
EPS beat(4)3
Avg EPS beat(4)2.94%
Min EPS beat(4)-1.5%
Max EPS beat(4)6.29%
EPS beat(8)4
Avg EPS beat(8)2.63%
EPS beat(12)7
Avg EPS beat(12)1.38%
EPS beat(16)10
Avg EPS beat(16)2.34%
Revenue beat(2)1
Avg Revenue beat(2)-0.75%
Min Revenue beat(2)-1.9%
Max Revenue beat(2)0.39%
Revenue beat(4)1
Avg Revenue beat(4)-10.94%
Min Revenue beat(4)-21.18%
Max Revenue beat(4)0.39%
Revenue beat(8)3
Avg Revenue beat(8)-8.51%
Revenue beat(12)3
Avg Revenue beat(12)-7.22%
Revenue beat(16)5
Avg Revenue beat(16)-5.43%
PT rev (1m)0%
PT rev (3m)-0.46%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.9%
EPS NY rev (1m)0%
EPS NY rev (3m)4%
Revenue NQ rev (1m)-0.29%
Revenue NQ rev (3m)0.5%
Revenue NY rev (1m)-0.07%
Revenue NY rev (3m)0.34%
Valuation
Industry RankSector Rank
PE 13.18
Fwd PE 9.8
P/S 3.61
P/FCF 12.76
P/OCF 11.82
P/B 1.24
P/tB 1.74
EV/EBITDA N/A
EPS(TTM)3.25
EY7.59%
EPS(NY)4.37
Fwd EY10.21%
FCF(TTM)3.36
FCFY7.84%
OCF(TTM)3.62
OCFY8.46%
SpS11.87
BVpS34.46
TBVpS24.56
PEG (NY)0.52
PEG (5Y)8.02
Profitability
Industry RankSector Rank
ROA 0.83%
ROE 7.39%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.45%
GM N/A
FCFM 28.28%
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-Score4
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 2.34
Debt/EBITDA N/A
Cap/Depr 47.88%
Cap/Sales 2.25%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 131.84%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC13.17%
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)10.92%
EPS 3Y-6%
EPS 5Y1.64%
EPS Q2Q%27.54%
EPS Next Y25.3%
EPS Next 2Y21.94%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)12.29%
Revenue growth 3Y6.41%
Revenue growth 5Y4.84%
Sales Q2Q%53.2%
Revenue Next Year20.47%
Revenue Next 2Y15.85%
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 1Y25.49%
FCF growth 3Y5.29%
FCF growth 5Y3.78%
OCF growth 1Y28.49%
OCF growth 3Y5.81%
OCF growth 5Y4.2%