NBT Bancorp Inc.(NBTB) Stock Research - Grey Stern Research

NBT Bancorp Inc. (NBTB) Stock Analysis

$39.76 (0.45%)

NBTB Financial Performance


Use the table below to view NBT Bancorp Inc.'s financial profile. This data is gathers from the latest available financial statements. Annual data is taken from the trailing 12 months of statements. All numbers are reported in US Dollars and so any foreign currencies are converted to USD so comparison's can be done.

Based on Financial Statements from Q4 - 2024

Metric Value Ranking among Peers
Price $39.76 -
52 Week Low $33.11 -
52 Week High $52.44 -
Market Cap $1.9 Billion 1/19
Gross Margin 100% 1/19
Profit Margin 24% 5/19
EBITDA margin 0% 5/19
Q4 - 2024 Revenue $147.9 Million 1/19
Q4 - 2024 Earnings $36.0 Million 1/19
Q4 - 2024 Free Cash Flow $45.5 Million 1/19
Trailing 4 Quarters Revenue $736.2 Million 1/19
Trailing 4 Quarters Earnings $140.6 Million 1/19
Quarterly Earnings Growth 18% 9/19
Annual Earnings Growth 35% 3/19
Quarterly Revenue Growth -22% 12/19
Annual Revenue Growth 24% 15/19
Cash On Hand $284.1 Million 3/19
Short Term Debt $16.0 Million 6/19
Long Term Debt $252.0 Million 4/19

NBT Bancorp Inc. Financial Metrics


Financial metrics are a set of useful numbers that can give key performance indicators of a company. The various metrics can include information about profitability, growth, and debt load. When combined and use properly they can tell an analyst a compelling fact-based story of how the company is currently performing. To compare NBT Bancorp Inc.'s metrics versus it's peers make sure to run our peer analysis tool.

Valuation Metrics

Metric Value Ranking among Peers
PE 13.36 9/19
PS 2.55 4/19
PB 1.23 3/19
PC 6.61 5/19
Liabilities to Equity 8.03 12/19
ROA 0.01 1/19
ROE 0.09 6/19
Current Ratio 1.12 7/19
Quick Ratio 0.15 4/19
Long Term Debt to Equity 0.17 8/19
Debt to Equity 0.18 9/19
Burn Rate -12.96 16/19
Cash to Cap 0.15 9/19
CCR 1.26 4/19
EV to EBITDA -1.00 5/19
EV to Revenue -1.00 5/19

Company Details

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.

CEO: Mr. John Watt

Website: https://www.nbtbancorp.com

Address: 52 S BROAD ST Norwich, NEW YORK

Exchange: NASDAQ Global Select

Industry: Banks—Regional

NBT Bancorp Inc. Peer Analysis


A useful and more reliable way of seeing the health of a company is to compare it to other companies operating in the same sector. Below is our list of companies which we rank are the closest peers to NBT Bancorp Inc.. If you feel that peers should be added or removed from this list please contact us. To run an in-depth peer analysis which compares many financial metrics click on the link below.

Stock Ticker Market Cap
Berkshire Hills Bancorp, Inc. BHLB $1.1 Billion
Great Southern Bancorp, Inc. GSBC $625.7 Million
ConnectOne Bancorp, Inc. CNOB $829.4 Million
Northfield Bancorp, Inc. (Staten Island, NY) NFBK $416.5 Million
First Northwest Bancorp FNWB $92.8 Million
First Financial Northwest, Inc. FFNW $210.8 Million
Oconee Federal Financial Corp. OFED $70.1 Million
Cambridge Bancorp CATC $0
Community West Bancshares CWBC $305.5 Million
Fidelity D & D Bancorp, Inc. FDBC $226.2 Million
Home Bancorp, Inc. HBCP $349.4 Million
Home Federal Bancorp, Inc. of Louisiana HFBL $42.2 Million
HMN Financial, Inc. HMNF $125.0 Million
Oak Valley Bancorp OVLY $201.2 Million
Coastal Financial Corporation CCB $1.2 Billion
CrossFirst Bankshares, Inc. CFB $788.6 Million
Finward Bancorp FNWD $130.4 Million
Cullman Bancorp, Inc. CULL $69.4 Million
Run Peer Analysis
Income Statement
Balance Sheet
Cash Flow Statement
NBTB Income Statements
Quarter Year Revenue Earnings
Q4 2024 $ 147.9 Million $36.0 Million
Q3 2024 $ 202.0 Million $38.1 Million
Q2 2024 $ 194.0 Million $32.7 Million
Q1 2024 $ 192.3 Million $33.8 Million
Q4 2023 $ 189.4 Million $30.4 Million
Q3 2023 $ 134.6 Million $24.6 Million
Q2 2023 $ 120.4 Million $30.1 Million
Q1 2023 $ 125.6 Million $33.7 Million

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NBTB Balance Sheets
Quarter Year Cash & Equivalents Total Assets Total Debt Total Equity
Q4 2024 $284.1 Million $13.8 Billion $268.0 Million $1.5 Billion
Q3 2024 $0 $13.8 Billion $456.7 Million $1.5 Billion
Q2 2024 $172.3 Million $13.5 Billion $476.1 Million $1.5 Billion
Q1 2024 $162.5 Million $13.4 Billion $518.2 Million $1.4 Billion
Q4 2023 $173.8 Million $13.3 Billion $637.4 Million $1.4 Billion
Q3 2023 $672.7 Million $13.8 Billion $740.6 Million $1.4 Billion
Q2 2023 $201.9 Million $11.9 Billion $880.5 Million $1.2 Billion
Q1 2023 $229.8 Million $11.8 Billion $703.2 Million $1.2 Billion

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NBTB Cash Flow Statements
Quarter Year freeCashFlow capitalExpenditure netChangeInCash
Q4 2024 $45.5 Million -$3.6 Million -$198.4 Million
Q3 2024 $47.8 Million -$4.3 Million $274.9 Million
Q2 2024 $49.1 Million -$1.4 Million -$111.6 Million
Q1 2024 $33.9 Million -$2.4 Million $113.9 Million
Q4 2023 $4.3 Million $0 $4.3 Million
Q3 2023 $1.6 Million $0 $1.6 Million
Q2 2023 $458,000 $0 $458,000
Q1 2023 $20.5 Million -$1.4 Million $32.4 Million

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