NBT Bancorp Inc. (NBTB)
NBT Bancorp Statistics
Share Statistics
NBT Bancorp has 47.25M shares outstanding. The number of shares has increased by 0.22% in one year.
| Shares Outstanding | 47.25M |
| Shares Change (YoY) | 0.22% |
| Shares Change (QoQ) | 0.17% |
| Owned by Institutions (%) | 65.95% |
| Shares Floating | 46.23M |
| Failed to Deliver (FTD) Shares | 2.38K |
| FTD / Avg. Volume | 1.09% |
Short Selling Information
The latest short interest is 1.77M, so 3.75% of the outstanding shares have been sold short.
| Short Interest | 1.77M |
| Short % of Shares Out | 3.75% |
| Short % of Float | 3.83% |
| Short Ratio (days to cover) | 6.1 |
Valuation Ratios
The PE ratio is 16.17 and the forward PE ratio is 10.79. NBT Bancorp's PEG ratio is 1.54.
| PE Ratio | 16.17 |
| Forward PE | 10.79 |
| PS Ratio | 3.72 |
| Forward PS | 2.4 |
| PB Ratio | 1.49 |
| P/FCF Ratio | 12.06 |
| PEG Ratio | 1.54 |
Enterprise Valuation
NBT Bancorp has an Enterprise Value (EV) of 2.26B.
| EV / Sales | 3.7 |
| EV / EBITDA | 0 |
| EV / EBIT | 12 |
| EV / FCF | 12 |
Financial Position
The company has a current ratio of 10.92, with a Debt / Equity ratio of 0.13.
| Current Ratio | 10.92 |
| Quick Ratio | 10.92 |
| Debt / Equity | 0.13 |
| Debt / EBITDA | - |
| Debt / FCF | 1.02 |
| Interest Coverage | 2.52 |
Financial Efficiency
Return on Equity is 9.22% and Return on Invested Capital is 18.47%.
| Return on Equity | 9.22% |
| Return on Assets | 1.02% |
| Return on Invested Capital | 18.47% |
| Revenue Per Employee | $293.65K |
| Profits Per Employee | $67.52K |
| Employee Count | 2,083 |
| Asset Turnover | 0.04 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 38.82M |
| Effective Tax Rate | 21.63% |
Stock Price Statistics
The stock price has increased by 12.45% in the last 52 weeks. The beta is 0.53, so NBT Bancorp's price volatility has been higher than the market average.
| Beta | 0.53 |
| 52-Week Price Change | 12.45% |
| 50-Day Moving Average | 45.69 |
| 200-Day Moving Average | 45.81 |
| Relative Strength Index (RSI) | 22.96 |
| Average Volume (20 Days) | 219.18K |
Income Statement
In the last 12 months, NBT Bancorp had revenue of 611.67M and earned 140.64M in profits. Earnings per share was 2.95.
| Revenue | 611.67M |
| Gross Profit | 611.67M |
| Operating Income | 532.57M |
| Net Income | 140.64M |
| EBITDA | 0 |
| EBIT | 391.01M |
| Earnings Per Share (EPS) | 2.95 |
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 | 205.08M |
| Total Debt | 192.59M |
| Net Cash | 12.5M |
| Retained Earnings | 1.1B |
| Total Assets | 13.79B |
| Working Capital | 1.86B |
Cash Flow
In the last 12 months, operating cash flow was 188.57M and capital expenditures 0, giving a free cash flow of 188.57M.
| Operating Cash Flow | 188.57M |
| Capital Expenditures | 0 |
| Free Cash Flow | 188.57M |
| FCF Per Share | 3.96 |
Margins
Gross margin is 100%, with operating and profit margins of 87.07% and 22.99%.
| Gross Margin | 100% |
| Operating Margin | 87.07% |
| Pretax Margin | 29.34% |
| Profit Margin | 22.99% |
| EBITDA Margin | n/a |
| EBIT Margin | 87.07% |
| FCF Margin | 30.83% |
Dividends & Yields
NBTB pays an annual dividend of $1.34, which amounts to a dividend yield of 2.83%.
| Dividend Per Share | $1.34 |
| Dividend Yield | 2.83% |
| Dividend Growth (YoY) | 6.25% |
| Payout Ratio | 45.12% |
| Earnings Yield | 6.18% |
| FCF Yield | 8.29% |
Analyst Forecast
The average price target for NBTB is $55, which is 38.4% higher than the current price. The consensus rating is "Hold".
| Price Target | $55 |
| Price Target Difference | 38.4% |
| Analyst Consensus | Hold |
| Analyst Count | 3 |
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 | 0.44 |
| Piotroski F-Score | 5 |