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    NBT Bancorp Inc.

    NASDAQ: NBTB · Real-Time Price · USD
    41.89
    0.17 (0.41%)
    At close: Jun 27, 2025, 3:59 PM
    41.89
    0.00%
    After-hours: Jun 27, 2025, 04:34 PM EDT

    NBT Bancorp Statistics

    Share Statistics

    NBT Bancorp has 52.32M shares outstanding. The number of shares has increased by 0.22% in one year.

    Shares Outstanding

    n/a
    		 52.32M

    Shares Change (YoY)

    n/a
    		 0.22%

    Shares Change (QoQ)

    n/a
    		 0.17%

    Owned by Institutions (%)

    n/a
    		 65.71%

    Shares Floating

    n/a
    		 51.07M

    Failed to Deliver (FTD) Shares

    n/a
    		 4

    FTD / Avg. Volume

    n/a
    		 n/a

    Short Selling Information

    The latest short interest is 1.31M, so 2.5% of the outstanding shares have been sold short.

    Short Interest

    n/a
    		 1.31M

    Short % of Shares Out

    n/a
    		 2.5%

    Short % of Float

    n/a
    		 3.4%

    Short Ratio (days to cover)

    n/a
    		 8.03

    Valuation Ratios

    The PE ratio is 16.02 and the forward PE ratio is 9.87. NBT Bancorp's PEG ratio is 1.38.

    PE Ratio

    n/a
    		 16.02

    Forward PE

    n/a
    		 9.87

    PS Ratio

    n/a
    		 2.87

    Forward PS

    n/a
    		 2.8

    PB Ratio

    n/a
    		 1.48

    P/FCF Ratio

    n/a
    		 12.74

    PEG Ratio

    n/a
    		 1.38
    Financial Ratio History

    Enterprise Valuation

    NBT Bancorp has an Enterprise Value (EV) of 2.38B.

    EV / Sales

    n/a
    		 3.03

    EV / EBITDA

    n/a
    		 11.52

    EV / EBIT

    n/a
    		 12.64

    EV / FCF

    n/a
    		 13.48

    Financial Position

    The company has a current ratio of 0.04, with a Debt / Equity ratio of 0.27.

    Current Ratio

    n/a
    		 0.04

    Quick Ratio

    n/a
    		 0.04

    Debt / Equity

    n/a
    		 0.27

    Debt / EBITDA

    n/a
    		 2.01

    Debt / FCF

    n/a
    		 2.35

    Interest Coverage

    n/a
    		 0.85

    Financial Efficiency

    Return on Equity is 9.22% and Return on Invested Capital is 6.28%.

    Return on Equity

    n/a
    		 9.22%

    Return on Assets

    n/a
    		 1.02%

    Return on Invested Capital

    n/a
    		 6.28%

    Revenue Per Employee

    n/a
    		 $377,335.09

    Profits Per Employee

    n/a
    		 $67,518.48

    Employee Count

    n/a
    		 2,083

    Asset Turnover

    n/a
    		 0.06

    Inventory Turnover

    n/a
    		 n/a

    Taxes

    Income Tax

    n/a
    		 38.82M

    Effective Tax Rate

    n/a
    		 21.63%

    Stock Price Statistics

    The stock price has increased by 8.52% in the last 52 weeks. The beta is 0.57, so NBT Bancorp's price volatility has been higher than the market average.

    Beta

    n/a
    		 0.57

    52-Week Price Change

    n/a
    		 8.52%

    50-Day Moving Average

    n/a
    		 42.03

    200-Day Moving Average

    n/a
    		 45.13

    Relative Strength Index (RSI)

    n/a
    		 53.22

    Average Volume (20 Days)

    n/a
    		 285,882

    Income Statement

    In the last 12 months, NBT Bancorp had revenue of 785.99M and earned 140.64M in profits. Earnings per share was 2.98.

    Revenue

    n/a
    		 785.99M

    Gross Profit

    n/a
    		 554.83M

    Operating Income

    n/a
    		 179.46M

    Net Income

    n/a
    		 140.64M

    EBITDA

    n/a
    		 206.95M

    EBIT

    n/a
    		 179.46M

    Earnings Per Share (EPS)

    n/a
    		 2.98
    Full Income Statement

    Balance Sheet

    The company has 284.06M in cash and 414.98M in debt, giving a net cash position of -130.93M.

    Cash & Cash Equivalents

    n/a
    		 284.06M

    Total Debt

    n/a
    		 414.98M

    Net Cash

    n/a
    		 -130.93M

    Retained Earnings

    n/a
    		 1.1B

    Total Assets

    n/a
    		 13.86B

    Working Capital

    n/a
    		 -11.36B
    Full Balance Sheet

    Cash Flow

    In the last 12 months, operating cash flow was 188.57M and capital expenditures -11.74M, giving a free cash flow of 176.82M.

    Operating Cash Flow

    n/a
    		 188.57M

    Capital Expenditures

    n/a
    		 -11.74M

    Free Cash Flow

    n/a
    		 176.82M

    FCF Per Share

    n/a
    		 3.75
    Full Cash Flow Statement

    Margins

    Gross margin is 70.59%, with operating and profit margins of 22.83% and 17.89%.

    Gross Margin

    n/a
    		 70.59%

    Operating Margin

    n/a
    		 22.83%

    Pretax Margin

    n/a
    		 22.83%

    Profit Margin

    n/a
    		 17.89%

    EBITDA Margin

    n/a
    		 26.33%

    EBIT Margin

    n/a
    		 22.83%

    FCF Margin

    n/a
    		 22.5%

    Dividends & Yields

    NBTB pays an annual dividend of $1.68, which amounts to a dividend yield of 3.32%.

    Dividend Per Share

    n/a
    		 $1.68

    Dividend Yield

    n/a
    		 3.32%

    Dividend Growth (YoY)

    n/a
    		 6.25%

    Payout Ratio

    n/a
    		 55.45%

    Earnings Yield

    n/a
    		 6.24%

    FCF Yield

    n/a
    		 7.85%
    Dividend Details

    Analyst Forecast

    The average price target for NBTB is $53, which is 26.5% higher than the current price. The consensus rating is "Hold".

    Price Target

    n/a
    		 $53

    Price Target Difference

    n/a
    		 26.5%

    Analyst Consensus

    n/a
    		 Hold

    Analyst Count

    n/a
    		 3
    Stock Forecasts

    Fair Value

    There are several formulas that can be used to estimate the intrinsic value of a stock.

    Lynch Fair Value

    n/a
    		 $14.9

    Lynch Upside

    n/a
    		 -64.43%

    Graham Number

    n/a
    		 46.59

    Graham Upside

    n/a
    		 11.22%

    Stock Splits

    The last stock split was on Nov 29, 1999. It was a forward split with a ratio of 21:20.

    Last Split Date

    n/a
    		 Nov 29, 1999

    Split Type

    n/a
    		 forward

    Split Ratio

    n/a
    		 21:20

    Scores

    Altman Z-Score

    n/a
    		 -0.67

    Piotroski F-Score

    n/a
    		 8

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