NASDAQ: NBTBNbt Bancorp Inc Stock
$37.79+0.70 (+1.89%)
Updated Jan 27, 2023
NBTB Price
$37.79
Fair Value Price
$44.54
Market Cap
$1.62B
52 Week Low
$34.58
52 Week High
$48.68
P/E
10.62x
P/B
1.4x
P/S
3.27x
PEG
1.12x
Dividend Yield
3.07%
Revenue
$497.62M
Earnings
$153.18M
Gross Margin
100%
Operating Margin
39.7%
Profit Margin
30.8%
Debt to Equity
9.07
Operating Cash Flow
$176M
Beta
0.82
Next Earnings
N/A
Ex-Dividend
N/A
Next Dividend
N/A
NBTB Overview
NBT Bancorp Inc., a financial holding company, provides commercial banking, retail banking, and wealth management services. Its deposit products include demand deposit, savings, negotiable order of withdrawal, money market deposit, and certificate of deposit accounts. The company's loan portfolio comprises commercial and industrial, commercial real estate, agricultural, and commercial construction loans; indirect and direct consumer, home equity, mortgages, business banking loans, and commercial loans; and residential real estate loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan consulting and recordkeeping services. In addition, the company offers insurance products comprising personal property and casualty, business liability, and commercial insurance, as well as other products and services through 24-hour online, mobile, and telephone channels that enable customers to check balances, make deposits, transfer funds, pay bills, access statements, apply for loans, and access various other products and services. As of December 31, 2021, it had 140 branches and 164 ATMs in New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Connecticut, and Maine. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York.
Zen Score
–
Industry Average (36)
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Due Diligence Checks
NBTB ($37.79) is undervalued by 15.15% relative to our estimate of its Fair Value price of $44.54 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
NBTB ($37.79) is not significantly undervalued (15.15%) relative to our estimate of its Fair Value price of $44.54 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
NBTB ($37.79) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
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NBTB News
Valuation
NBTB fair value
Fair Value of NBTB stock based on Discounted Cash Flow (DCF)
Price
$37.79
Fair Value
$44.54
Undervalued by
15.15%
NBTB ($37.79) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
NBTB ($37.79) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
NBTB ($37.79) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
NBTB price to earnings (PE)
For valuing profitable companies with steady earnings
Company
10.62x
Industry
20.14x
Market
23.59x
NBTB is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
NBTB is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
NBTB price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
1.4x
Industry
1.17x
NBTB is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation
NBTB price to earnings growth (PEG)
For valuing profitable companies with growth potential
NBTB is poor value relative... subscribe to Premium to read more.
PEG Value Valuation
NBTB's financial health
Profit margin
Revenue
$127.2M
Net Income
$39.0M
Profit Margin
30.6%
NBTB's Earnings (EBIT) of $197.56M... subscribe to Premium to read more.
Interest Coverage Financials
NBTB's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$11.6B
Liabilities
$10.5B
Debt to equity
9.07
NBTB's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
NBTB's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$50.8M
Investing
-$142.5M
Financing
-$110.9M
NBTB's operating cash flow ($175.91M)... subscribe to Premium to read more.
Debt Coverage Financials
NBTB vs Bank Stocks
Nbt Bancorp Stock FAQ
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Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.