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    NBT Bancorp Inc.

    NASDAQ: NBTB · Real-Time Price · USD
    41.81
    0.77 (1.88%)
    At close: Jun 06, 2025, 3:59 PM
    41.80
    -0.02%
    After-hours: Jun 06, 2025, 04:58 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
    		 65.7%

    Shares Floating

    n/a
    		 n/a

    Failed to Deliver (FTD) Shares

    n/a
    		 4

    FTD / Avg. Volume

    n/a
    		 n/a

    Short Selling Information

    The latest short interest is 1.45M, so 2.77% of the outstanding shares have been sold short.

    Short Interest

    n/a
    		 1.45M

    Short % of Shares Out

    n/a
    		 2.77%

    Short % of Float

    n/a
    		 3.75%

    Short Ratio (days to cover)

    n/a
    		 3.15

    Valuation Ratios

    The PE ratio is 16.02 and the forward PE ratio is 9.69. NBT Bancorp's PEG ratio is 1.53.

    PE Ratio

    n/a
    		 16.02

    Forward PE

    n/a
    		 9.69

    PS Ratio

    n/a
    		 3.92

    Forward PS

    n/a
    		 2.8

    PB Ratio

    n/a
    		 1.48

    P/FCF Ratio

    n/a
    		 12.74

    PEG Ratio

    n/a
    		 1.53
    Financial Ratio History

    Enterprise Valuation

    NBT Bancorp has an Enterprise Value (EV) of 2.24B.

    EV / Sales

    n/a
    		 3.9

    EV / EBITDA

    n/a
    		 0

    EV / EBIT

    n/a
    		 11.88

    EV / FCF

    n/a
    		 12.67

    Financial Position

    The company has a current ratio of 10.92, with a Debt / Equity ratio of 0.13.

    Current Ratio

    n/a
    		 10.92

    Quick Ratio

    n/a
    		 10.92

    Debt / Equity

    n/a
    		 0.13

    Debt / EBITDA

    n/a
    		 n/a

    Debt / FCF

    n/a
    		 1.09

    Interest Coverage

    n/a
    		 0.86

    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
    		 $275,775.8

    Profits Per Employee

    n/a
    		 $67,518.48

    Employee Count

    n/a
    		 2,083

    Asset Turnover

    n/a
    		 0.04

    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 16.46% 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
    		 16.46%

    50-Day Moving Average

    n/a
    		 41.86

    200-Day Moving Average

    n/a
    		 45.59

    Relative Strength Index (RSI)

    n/a
    		 46.79

    Average Volume (20 Days)

    n/a
    		 299,704

    Income Statement

    In the last 12 months, NBT Bancorp had revenue of 574.44M and earned 140.64M in profits. Earnings per share was 2.95.

    Revenue

    n/a
    		 574.44M

    Gross Profit

    n/a
    		 574.44M

    Operating Income

    n/a
    		 180.99M

    Net Income

    n/a
    		 140.64M

    EBITDA

    n/a
    		 n/a

    EBIT

    n/a
    		 -27.5M

    Earnings Per Share (EPS)

    n/a
    		 2.95
    Full Income Statement

    Balance Sheet

    The company has 205.08M in cash and 192.59M in debt, giving a net cash position of 12.5M.

    Cash & Cash Equivalents

    n/a
    		 205.08M

    Total Debt

    n/a
    		 192.59M

    Net Cash

    n/a
    		 12.5M

    Retained Earnings

    n/a
    		 1.1B

    Total Assets

    n/a
    		 13.86B

    Working Capital

    n/a
    		 1.84B
    Full Balance Sheet

    Cash Flow

    In the last 12 months, operating cash flow was 188.57M and capital expenditures 0, giving a free cash flow of 176.82M.

    Operating Cash Flow

    n/a
    		 188.57M

    Capital Expenditures

    n/a
    		 n/a

    Free Cash Flow

    n/a
    		 176.82M

    FCF Per Share

    n/a
    		 3.75
    Full Cash Flow Statement

    Margins

    Gross margin is 100%, with operating and profit margins of 31.51% and 24.48%.

    Gross Margin

    n/a
    		 100%

    Operating Margin

    n/a
    		 31.51%

    Pretax Margin

    n/a
    		 31.24%

    Profit Margin

    n/a
    		 24.48%

    EBITDA Margin

    n/a
    		 n/a

    EBIT Margin

    n/a
    		 31.51%

    FCF Margin

    n/a
    		 30.78%

    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
    		 56%

    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 26.8% higher than the current price. The consensus rating is "Hold".

    Price Target

    n/a
    		 $53

    Price Target Difference

    n/a
    		 26.8%

    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
    		 $14.75

    Lynch Upside

    n/a
    		 -64.72%

    Graham Number

    n/a
    		 46.59

    Graham Upside

    n/a
    		 11.43%

    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
    		 0.34

    Piotroski F-Score

    n/a
    		 8

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