NBT Bancorp Statistics
Share Statistics
NBT Bancorp has 47.17M shares outstanding. The number of shares has increased by 0.18% in one year.
| Shares Outstanding | 47.17M |
| Shares Change (YoY) | n/a |
| Shares Change (QoQ) | 0.05% |
| Owned by Institutions (%) | n/a |
| Shares Floating | 46.16M |
| Failed to Deliver (FTD) Shares | 50 |
| FTD / Avg. Volume | 0.02% |
Short Selling Information
The latest short interest is 1.05M, so 2.22% of the outstanding shares have been sold short.
| Short Interest | 1.05M |
| Short % of Shares Out | 2.22% |
| Short % of Float | 2.26% |
| Short Ratio (days to cover) | 5.91 |
Valuation Ratios
The PE ratio is 15.82 and the forward PE ratio is 14.82. NBT Bancorp 's PEG ratio is 1.35.
| PE Ratio | 15.82 |
| Forward PE | 14.82 |
| PS Ratio | 3.83 |
| Forward PS | 3.6 |
| PB Ratio | 1.32 |
| P/FCF Ratio | 12.68 |
| PEG Ratio | 1.35 |
Enterprise Valuation
NBT Bancorp Inc. has an Enterprise Value (EV) of 2.33B.
| EV / Earnings | 19.59 |
| EV / Sales | 4.74 |
| EV / EBITDA | 13.24 |
| EV / EBIT | 11.52 |
| EV / FCF | 15.7 |
Financial Position
The company has a current ratio of 0.02, with a Debt / Equity ratio of 0.38.
| Current Ratio | 0.02 |
| Quick Ratio | 0.02 |
| Debt / Equity | 0.38 |
| Total Debt / Capitalization | 27.61 |
| Cash Flow / Debt | 0.29 |
| Interest Coverage | 1.4 |
Financial Efficiency
Return on equity (ROE) is 0.08% and return on capital (ROIC) is 7.94%.
| Return on Equity (ROE) | 0.08% |
| Return on Assets (ROA) | 0.01% |
| Return on Capital (ROIC) | 7.94% |
| Revenue Per Employee | 241.09K |
| Profits Per Employee | 58.40K |
| Employee Count | 2.03K |
| Asset Turnover | 0.04 |
| Inventory Turnover | 0 |
Taxes
| Income Tax | 34.68M |
| Effective Tax Rate | 0.23 |
Stock Price Statistics
The stock price has increased by 24.48% in the last 52 weeks. The beta is 0.48, so NBT Bancorp 's price volatility has been higher than the market average.
| Beta | 0.48 |
| 52-Week Price Change | 24.48% |
| 50-Day Moving Average | 47.35 |
| 200-Day Moving Average | 41.75 |
| Relative Strength Index (RSI) | 65.26 |
| Average Volume (20 Days) | 210.89K |
Income Statement
In the last 12 months, NBT Bancorp had revenue of $490.37M and earned $118.78M in profits. Earnings per share was $2.65.
| Revenue | 490.37M |
| Gross Profit | 490.37M |
| Operating Income | 201.98M |
| Net Income | 118.78M |
| EBITDA | 175.73M |
| EBIT | 201.98M |
| Earnings Per Share (EPS) | 2.65 |
Balance Sheet
The company has $205.19M in cash and $543.74M in debt, giving a net cash position of -$338.55M.
| Cash & Cash Equivalents | 205.19M |
| Total Debt | 543.74M |
| Net Cash | -338.55M |
| Retained Earnings | 1.02B |
| Total Assets | 13.84B |
| Working Capital | 1.56B |
Cash Flow
In the last 12 months, operating cash flow was $157.46M and capital expenditures -$9.25M, giving a free cash flow of $148.20M.
| Operating Cash Flow | 157.46M |
| Capital Expenditures | -9.25M |
| Free Cash Flow | 148.20M |
| FCF Per Share | 3.31 |
Margins
Gross margin is 100%, with operating and profit margins of 41.19% and 24.22%.
| Gross Margin | 100% |
| Operating Margin | 41.19% |
| Pretax Margin | 31.29% |
| Profit Margin | 24.22% |
| EBITDA Margin | 35.84% |
| EBIT Margin | 41.19% |
| FCF Margin | 30.22% |
Dividends & Yields
NBTB pays an annual dividend of $1.36, which amounts to a dividend yield of 2.63%.
| Dividend Per Share | $1.36 |
| Dividend Yield | 2.63% |
| Dividend Growth (YoY) | 6.25% |
| Payout Ratio | 47.72% |
| Earnings Yield | 5.13% |
| FCF Yield | 6.09% |
Analyst Forecast
The average price target for NBTB is $47, which is -8.9% lower than the current price. The consensus rating is "Hold".
| Price Target | $47 |
| Price Target Difference | -8.9% |
| Analyst Consensus | Hold |
| Analyst Count | 6 |
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 | Nov 29, 1999 |
| Split Type | forward |
| Split Ratio | 21:20 |
Scores
| Altman Z-Score | 0.45 |
| Piotroski F-Score | 7 |