Financial Services - Banks - Regional - NASDAQ - US
$ 49.26
-0.746 %
$ 2.32 B
Market Cap
17.28
P/E
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.[ Read More ]
The intrinsic value of one NBTB stock under the base case scenario is HIDDEN Compared to the current market price of 49.3 USD, NBT Bancorp Inc. is HIDDEN
2. FUNDAMENTAL
ANALYSIS
Price Chart NBTB
FINANCIALS
490 M
REVENUE
163 M
OPERATING INCOME
119 M
NET INCOME
157 M
OPERATING CASH FLOW
-44.2 M
INVESTING CASH FLOW
-105 M
FINANCING CASH FLOW
156 M
REVENUE
49.3 M
OPERATING INCOME
38.1 M
NET INCOME
52.5 M
OPERATING CASH FLOW
-58.4 M
INVESTING CASH FLOW
281 M
FINANCING CASH FLOW
Balance Sheet Decomposition
NBT Bancorp Inc.
| Current Assets | 106 M |
| Cash & Short-Term Investments | 106 M |
| Receivables | 0 |
| Other Current Assets | 0 |
| Non-Current Assets | 2.88 B |
| Long-Term Investments | 2.37 B |
| PP&E | 107 M |
| Other Non-Current Assets | 402 M |
| Current Liabilities | 5.01 B |
| Accounts Payable | 0 |
| Short-Term Debt | 293 M |
| Other Current Liabilities | 4.72 B |
| Non-Current Liabilities | 11.5 B |
| Long-Term Debt | 251 M |
| Other Non-Current Liabilities | 11.2 B |
EFFICIENCY
Earnings Waterfall
NBT Bancorp Inc.
| Revenue | 490 M |
| Cost Of Revenue | 0 |
| Gross Profit | 490 M |
| Operating Expenses | 518 M |
| Operating Income | 163 M |
| Other Expenses | 44.7 M |
| Net Income | 119 M |
RATIOS
100.00%
GROSS MARGIN
33.33%
OPERATING MARGIN
24.22%
NET MARGIN
8.33%
ROE
0.89%
ROA
6.42%
ROIC
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis
NBT Bancorp Inc.
| Net Income | 119 M |
| Depreciation & Amortization | 22.3 M |
| Capital Expenditures | -9.25 M |
| Stock-Based Compensation | 5.1 M |
| Change in Working Capital | -27.9 M |
| Others | 5.34 M |
| Free Cash Flow | 148 M |
Wall Street Analysts Price Targets
NBT Bancorp Inc.
Wall Street analysts predict an average 1-year price target for NBTB of $42 , with forecasts ranging from a low of $42 to a high of $42 .
NBTB Lowest Price Target
Wall Street Target
42 USD
-14.74%
NBTB Average Price Target
Wall Street Target
42 USD
-14.74%
NBTB Highest Price Target
Wall Street Target
42 USD
-14.74%
4. DIVIDEND ANALYSIS
0.77%
DIVIDEND YIELD
0.34 USD
DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership
NBT Bancorp Inc.
Sold
0-3 MONTHS
9.74 M USD 5
3-6 MONTHS
47.2 K USD 1
6-9 MONTHS
21.6 K USD 1
9-12 MONTHS
298 K USD 1
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
85.3 K USD 2
9-12 MONTHS
| Date | Value | Insider | Amount | Avg Price |
|---|---|---|---|---|
|
6 days ago
Nov 11, 2024
|
Sell 2.06 M USD
|
DELANEY TIMOTHY E
Director |
- 40000
|
51.4737 USD |
|
1 week ago
Nov 07, 2024
|
Sell 50.1 K USD
|
Wiles Amy
EVP, Chief Risk and Credit |
- 1000
|
50.1 USD |
|
2 weeks ago
Oct 30, 2024
|
Sell 909 K USD
|
WATT JOHN H JR
Director |
- 20000
|
45.4535 USD |
|
2 months ago
Sep 16, 2024
|
Sell 25 K USD
|
Wiles Amy
EVP, Chief Risk and Credit |
- 556
|
45 USD |
|
2 months ago
Sep 13, 2024
|
Sell 2.23 M USD
|
Robinson V Daniel II
Director |
- 50000
|
44.5842 USD |
|
2 months ago
Sep 16, 2024
|
Sell 1.34 M USD
|
Robinson V Daniel II
Director |
- 30000
|
44.7829 USD |
|
2 months ago
Sep 12, 2024
|
Sell 48.4 K USD
|
Sparks Martin Randolph
EVP,General Counsel,Secretary |
- 1000
|
48.37 USD |
|
2 months ago
Sep 11, 2024
|
Sell 882 K USD
|
Robinson V Daniel II
Director |
- 20000
|
44.1013 USD |
|
2 months ago
Sep 12, 2024
|
Sell 2.19 M USD
|
Robinson V Daniel II
Director |
- 50000
|
43.8432 USD |
|
5 months ago
Jun 14, 2024
|
Sell 47.2 K USD
|
Halliday Sarah A
EVP/President Comm Banking |
- 1325
|
35.66 USD |
|
8 months ago
Mar 15, 2024
|
Sell 21.6 K USD
|
Wiles Amy
EVP, Chief Risk and Credit |
- 641
|
33.62 USD |
|
9 months ago
Feb 05, 2024
|
Bought 34 K USD
|
Kingsley Scott Allen
EVP & Chief Financial Officer |
+ 1000
|
34 USD |
|
9 months ago
Jan 26, 2024
|
Sell 119 K USD
|
SEIFTER LOWELL A
Director |
- 3230
|
36.96 USD |
|
9 months ago
Jan 29, 2024
|
Sell 179 K USD
|
SEIFTER LOWELL A
Director |
- 4770
|
37.5 USD |
|
9 months ago
Jan 25, 2024
|
Bought 36.8 K USD
|
Kingsley Scott Allen
EVP & Chief Financial Officer |
+ 1000
|
36.8 USD |
|
11 months ago
Dec 14, 2023
|
Bought 14.5 K USD
|
Brown Jason David
Director |
+ 350
|
41.4989 USD |
|
1 year ago
Aug 10, 2023
|
Bought 24 K USD
|
Brown Jason David
Director |
+ 650
|
36.9892 USD |
|
1 year ago
Jun 14, 2023
|
Sell 71 K USD
|
Wiles Amy
EVP, Chief Risk and Credit |
- 2000
|
35.5 USD |
|
1 year ago
May 02, 2023
|
Bought 1.19 M USD
|
DELANEY TIMOTHY E
Director |
+ 40000
|
29.77 USD |
|
1 year ago
Mar 07, 2023
|
Bought 88.9 K USD
|
Kingsley Scott Allen
EVP & Chief Financial Officer |
+ 2310
|
38.5 USD |
|
1 year ago
Jan 26, 2023
|
Bought 24.2 K USD
|
Brown Jason David
Director |
+ 650
|
37.184 USD |
|
1 year ago
Dec 12, 2022
|
Bought 31.9 K USD
|
Hoeller Heidi M
Director |
+ 750
|
42.4786 USD |
|
2 years ago
Aug 16, 2022
|
Sell 433 K USD
|
DIETRICH MARTIN A
director: |
- 10181
|
42.5 USD |
|
2 years ago
Jul 27, 2022
|
Sell 50.7 K USD
|
Hyle Shaunastar
EVP, Consumer Lending |
- 1264
|
40.1142 USD |
|
2 years ago
Jun 01, 2022
|
Bought 50.1 K USD
|
Hoeller Heidi M
director: |
+ 1353
|
37.0094 USD |
|
2 years ago
Apr 27, 2022
|
Bought 107 K USD
|
Kingsley Scott Allen
EVP & Chief Financial Officer |
+ 3000
|
35.6 USD |
|
2 years ago
Jan 14, 2022
|
Sell 417 K USD
|
DIETRICH MARTIN A
Director |
- 9935
|
42 USD |
|
2 years ago
Nov 26, 2021
|
Bought 45 K USD
|
Kingsley Scott Allen
EVP & Chief Financial Officer |
+ 1265
|
35.57 USD |
|
3 years ago
Jul 29, 2021
|
Bought 149 K USD
|
Kingsley Scott Allen
EVP & Chief Financial Officer |
+ 4235
|
35.1361 USD |
|
3 years ago
Jul 28, 2021
|
Bought 51.4 K USD
|
Kingsley Scott Allen
EVP & Chief Financial Officer |
+ 1500
|
34.2654 USD |
|
3 years ago
May 19, 2021
|
Bought 11.8 K USD
|
Scarlett Catherine
EVP, Chief HR & Ethics Officer |
+ 300
|
39.4275 USD |
|
3 years ago
May 18, 2021
|
Sell 308 K USD
|
Durkee Matthew K
Strategic Advisor |
- 7597
|
40.5001 USD |
|
4 years ago
Nov 13, 2020
|
Sell 180 K USD
|
WEBB JACK H
Director |
- 6000
|
30.0183 USD |
|
4 years ago
Aug 24, 2020
|
Sell 156 K USD
|
Robinson V Daniel II
Director |
- 5000
|
31.1037 USD |
|
4 years ago
Aug 20, 2020
|
Sell 153 K USD
|
Robinson V Daniel II
Director |
- 5000
|
30.5433 USD |
|
4 years ago
Aug 18, 2020
|
Bought 93.4 K USD
|
SANTANGELO JOSEPH A
Director |
+ 3000
|
31.15 USD |
|
4 years ago
Aug 14, 2020
|
Sell 321 K USD
|
Robinson V Daniel II
Director |
- 10000
|
32.0996 USD |
|
4 years ago
Aug 10, 2020
|
Sell 320 K USD
|
Robinson V Daniel II
Director |
- 10000
|
32.0183 USD |
|
4 years ago
Aug 05, 2020
|
Sell 303 K USD
|
Robinson V Daniel II
Director |
- 10000
|
30.2621 USD |
|
4 years ago
Jul 29, 2020
|
Sell 154 K USD
|
Robinson V Daniel II
Director |
- 5000
|
30.7599 USD |
|
4 years ago
Jul 29, 2020
|
Sell 154 K USD
|
Robinson V Daniel II
Director |
- 5000
|
30.8361 USD |
|
5 years ago
Oct 30, 2019
|
Sell 163 K USD
|
SEIFTER LOWELL A
Director |
- 4131
|
39.4613 USD |
|
5 years ago
May 16, 2019
|
Sell 192 K USD
|
CHEWENS MICHAEL J
Sr EVP & CFO |
- 5103
|
37.6903 USD |
7. News
What Makes NBT Bancorp (NBTB) a Strong Momentum Stock: Buy Now?
Does NBT Bancorp (NBTB) have what it takes to be a top stock pick for momentum investors? Let's find out.
zacks.com
- 1 week ago
Best Income Stocks to Buy for November 7th
MRBK, NBTB and JWN made it to the Zacks Rank #1 (Strong Buy) income stocks list on November 7, 2024.
zacks.com
- 1 week ago
NBT Bancorp Inc. (NBTB) Q3 2024 Earnings Call Transcript
NBT Bancorp Inc. (NASDAQ:NBTB ) Q3 2024 Earnings Conference Call October 29, 2024 10:00 AM ET Company Participants Scott Kingsley – President and Chief Executive Officer Annette Burns – Chief Financial Officer Joe Stagliano – President-NBT Bank, N.A. Conference Call Participants Steve Moss - Raymond James Christopher O'Connell – KBW Matthew Breese – Stephens Operator Good day, everyone.
seekingalpha.com
- 2 weeks ago
Compared to Estimates, NBT (NBTB) Q3 Earnings: A Look at Key Metrics
While the top- and bottom-line numbers for NBT (NBTB) give a sense of how the business performed in the quarter ended September 2024, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.
zacks.com
- 2 weeks ago
NBT Bancorp (NBTB) Q3 Earnings and Revenues Surpass Estimates
NBT Bancorp (NBTB) came out with quarterly earnings of $0.80 per share, beating the Zacks Consensus Estimate of $0.78 per share. This compares to earnings of $0.84 per share a year ago.
zacks.com
- 2 weeks ago
NBT Bancorp Inc. Announces Third Quarter 2024 Results and Declares Cash Dividend
NORWICH, N.Y., Oct. 28, 2024 (GLOBE NEWSWIRE) -- NBT Bancorp Inc. (“NBT” or the “Company”) (NASDAQ: NBTB) reported net income and diluted earnings per share for the three and nine months ended September 30, 2024.
globenewswire.com
- 2 weeks ago
NBT Bancorp (NBTB) Expected to Beat Earnings Estimates: Can the Stock Move Higher?
NBT (NBTB) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
zacks.com
- 3 weeks ago
What Makes NBT (NBTB) a New Strong Buy Stock
NBT (NBTB) has been upgraded to a Zacks Rank #1 (Strong Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.
zacks.com
- 1 month ago
Best Momentum Stock to Buy for September 18th
JSAIY, BPOP and NBTB made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on September 18, 2024.
zacks.com
- 1 month ago
Best Income Stocks to Buy for September 18th
ALX, JSAIY and NBTB made it to the Zacks Rank #1 (Strong Buy) income stocks list on September 18, 2024.
zacks.com
- 1 month ago
EVANS BANCORP INVESTOR ALERT by the Former Attorney General of Louisiana: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of Evans Bancorp, Inc. - EVBN
NEW ORLEANS--(BUSINESS WIRE)--Former Attorney General of Louisiana Charles C. Foti, Jr., Esq. and the law firm of Kahn Swick & Foti, LLC (“KSF”) are investigating the proposed sale of Evans Bancorp, Inc. (NYSE American: EVBN) to NBT Bancorp Inc. (NasdaqGS: NBTB). Under the terms of the proposed transaction, shareholders of Evans will receive 0.91 shares of NBT for each share of Evans that they own. KSF is seeking to determine whether this consideration and the process that led to it are ade.
businesswire.com
- 2 months ago
US lender NBT Bancorp to buy Evans Bancorp in $236 mln deal
U.S. lender NBT Bancorp has agreed to buy Evans Bancorp in a deal that values it at nearly $236 million, as it looks to expand its footprint in western New York.
reuters.com
- 2 months ago
8. Profile Summary
NBT Bancorp Inc. NBTB
COUNTRY
US
INDUSTRY
Banks - Regional
MARKET CAP
$ 2.32 B
Dividend Yield
0.77%
Description
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.
Contact
52 South Broad Street, Norwich, NY, 13815
https://www.nbtbancorp.com
IPO Date
March 17, 1992
Employees
2034
Officers
Ms. Ruth H. Mahoney
EVice President, President of Wealth Mgmt., Reg. President for Capital District, North Country & Hudson Valley
Mr. Kenneth J. Entenmann C.F.A.
Senior Vice President, Chief Investment Officer & Chief Economist
Ms. Florence R. Doller
Senior Vice President & Director of Corporate Communications
Ms. Cynthia A. Smaniotto
Senior Vice President & Chief Human Resources Officer
Ms. Annette L. Burns
Executive Vice President & Chief Financial Officer
Ms. Shauna M. Hyle
Executive Vice President of Retail Community Banking
Mr. Scott A. Kingsley CPA
President, Chief Executive Officer & Director
Mr. John H. Watt Jr.
Vice Chairman & Advisor
Mr. Martin Randolph Sparks
Executive Vice President, General Counsel, Chief Ethics Officer & Corporate Secretary
Mr. Joseph R. Stagliano
Senior Executive Vice President