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NBT Bancorp Inc. NBTB
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 41.35
-0.302 %
$ 1.95 B
Market Cap
13.35
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one NBTB stock under the worst case scenario is HIDDEN Compared to the current market price of 41.4 USD, NBT Bancorp Inc. is HIDDEN

NBTB Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one NBTB stock under the base case scenario is HIDDEN Compared to the current market price of 41.4 USD, NBT Bancorp Inc. is HIDDEN

NBTB Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one NBTB stock under the best case scenario is HIDDEN Compared to the current market price of 41.4 USD, NBT Bancorp Inc. is HIDDEN

NBTB Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart NBTB

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1M -4%
6M -8%
1Y 15%
3Y 23%
5Y 52%
All
$52.0$52.0$50.0$50.0$48.0$48.0$46.0$46.0$44.0$44.0$42.0$42.0$40.0$40.0$38.0$38.0Nov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 Apr
FINANCIALS
612 M REVENUE
24.74%
Growth Rates
1Year 24.74%
3Years 8.72%
5Years 6.26%
7Years 6.25%
10Years 5.58%
533 M OPERATING INCOME
163.67%
Growth Rates
1Year 163.67%
3Years 38.64%
5Years 27.93%
7Years 22.57%
10Years 16.84%
141 M NET INCOME
18.40%
Growth Rates
1Year 18.40%
3Years -3.16%
5Years 3.05%
7Years 7.98%
10Years 6.48%
189 M OPERATING CASH FLOW
19.76%
Growth Rates
1Year 19.76%
3Years 6.15%
5Years 4.21%
7Years 4.68%
10Years 7.94%
-399 M INVESTING CASH FLOW
-802.55%
Growth Rates
1Year -802.55%
3Years 9.92%
5Years -44.06%
7Years -3.91%
10Years -10.75%
289 M FINANCING CASH FLOW
374.65%
Growth Rates
1Year 374.65%
3Years -33.51%
5Years 49.38%
7Years 7.13%
10Years 20.83%
148 M REVENUE
-5.36%
Growth Rates
1Year 24.74%
3Years 8.72%
5Years 6.26%
7Years 6.25%
10Years 5.58%
-104 M OPERATING INCOME
-211.04%
Growth Rates
1Year 163.67%
3Years 38.64%
5Years 27.93%
7Years 22.57%
10Years 16.84%
36 M NET INCOME
-5.49%
Growth Rates
1Year 18.40%
3Years -3.16%
5Years 3.05%
7Years 7.98%
10Years 6.48%
49.2 M OPERATING CASH FLOW
-5.68%
Growth Rates
1Year 19.76%
3Years 6.15%
5Years 4.21%
7Years 4.68%
10Years 7.94%
-148 M INVESTING CASH FLOW
-152.63%
Growth Rates
1Year -802.55%
3Years 9.92%
5Years -44.06%
7Years -3.91%
10Years -10.75%
-100 M FINANCING CASH FLOW
-35.60%
Growth Rates
1Year 374.65%
3Years -33.51%
5Years 49.38%
7Years 7.13%
10Years 20.83%
Balance Sheet NBT Bancorp Inc.
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Current Assets 1.78 B
Cash & Short-Term Investments 1.78 B
Receivables 0
Other Current Assets 0
Non-Current Assets 480 M
Long-Term Investments 0
PP&E 80.8 M
Other Non-Current Assets 399 M
78.76 %3.58 %17.66 %Total Assets$2.3b
Current Liabilities 163 M
Accounts Payable 0
Short-Term Debt 163 M
Other Current Liabilities 0
Non-Current Liabilities 12.1 B
Long-Term Debt 29.6 M
Other Non-Current Liabilities 12.1 B
98.43 %Total Liabilities$12.3b
EFFICIENCY
Earnings Waterfall NBT Bancorp Inc.
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Revenue 612 M
Cost Of Revenue 0
Gross Profit 612 M
Operating Expenses 79.1 M
Operating Income 533 M
Other Expenses 392 M
Net Income 141 M
700m700m600m600m500m500m400m400m300m300m200m200m100m100m00612m0612m(79m)533m(392m)141mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 100.00%
5Years 100.00%
7Years 100.00%
10Years 100.00%
87.07% OPERATING MARGIN
87.07%
Averages
1Year 87.07%
3Years 56.86%
5Years 48.32%
7Years 45.32%
10Years 41.28%
22.99% NET MARGIN
22.99%
Averages
1Year 22.99%
3Years 25.57%
5Years 26.40%
7Years 26.46%
10Years 24.76%
9.22% ROE
9.22%
Averages
1Year 9.22%
3Years 10.17%
5Years 10.33%
7Years 10.50%
10Years 9.94%
1.02% ROA
1.02%
Averages
1Year 1.02%
3Years 1.07%
5Years 1.09%
7Years 1.13%
10Years 1.06%
18.47% ROIC
18.47%
Averages
1Year 18.47%
3Years 8.03%
5Years 5.83%
7Years 4.92%
10Years 3.72%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis NBT Bancorp Inc.
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200m200m180m180m160m160m140m140m120m120m100m100m80m80m60m60m40m40m20m20m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 141 M
Depreciation & Amortization 20 M
Capital Expenditures 0
Stock-Based Compensation -295 K
Change in Working Capital 748 K
Others 28.3 M
Free Cash Flow 189 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets NBT Bancorp Inc.
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NBTB has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.71% DIVIDEND YIELD
0.34 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.401.401.201.201.001.000.800.800.600.600.400.400.200.200.000.000.210.220.230.230.260.270.270.280.30.320.340.220.220.230.250.260.270.270.280.30.320.220.230.230.250.260.270.280.30.320.340.220.870.230.900.230.920.260.990.271.050.271.080.281.100.31.160.321.240.341.320.342015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 15
6. Ownership
Insider Ownership NBT Bancorp Inc.
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Sold
0-3 MONTHS
242 K USD 1
3-6 MONTHS
4.05 M USD 5
6-9 MONTHS
6.72 M USD 3
9-12 MONTHS
47.2 K USD 1
Bought
123 K USD 2
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Are You Looking for a High-Growth Dividend Stock? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does NBT Bancorp (NBTB) have what it takes? zacks.com - 1 week ago
Why NBT Bancorp (NBTB) is a Great Dividend Stock Right Now Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does NBT Bancorp (NBTB) have what it takes? zacks.com - 4 weeks ago
Why NBT Bancorp (NBTB) is a Top Dividend Stock for Your Portfolio Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does NBT Bancorp (NBTB) have what it takes? zacks.com - 1 month ago
NBT Bancorp (NBTB) is a Top Dividend Stock Right Now: Should You Buy? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does NBT Bancorp (NBTB) have what it takes? zacks.com - 1 month ago
NBT Bancorp (NBTB) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does NBT Bancorp (NBTB) have what it takes? zacks.com - 2 months ago
NBT Bancorp Inc. (NBTB) Q4 2024 Earnings Call Transcript NBT Bancorp Inc. (NASDAQ:NBTB ) Q4 2024 Earnings Conference Call January 28, 2025 10:00 AM ET Company Participants Scott Kingsley - President & CEO Annette Burns - CFO Conference Call Participants Steve Moss - Raymond James Christopher O'Connell - KBW Manuel Navas - D.A. Davidson Matt Breese - Stephens Steve Moss - Raymond James Operator Good day, everyone. seekingalpha.com - 3 months ago
Are You Looking for a High-Growth Dividend Stock? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does NBT Bancorp (NBTB) have what it takes? zacks.com - 3 months ago
NBT (NBTB) Q4 Earnings: How Key Metrics Compare to Wall Street Estimates While the top- and bottom-line numbers for NBT (NBTB) give a sense of how the business performed in the quarter ended December 2024, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values. zacks.com - 3 months ago
NBT Bancorp (NBTB) Lags Q4 Earnings Estimates NBT Bancorp (NBTB) came out with quarterly earnings of $0.77 per share, missing the Zacks Consensus Estimate of $0.78 per share. This compares to earnings of $0.72 per share a year ago. zacks.com - 3 months ago
NBT Bancorp Inc. Announces Full Year Net Income and Declares Cash Dividend NORWICH, N.Y., Jan. 27, 2025 (GLOBE NEWSWIRE) -- NBT Bancorp Inc. (“NBT” or the “Company”) (NASDAQ: NBTB) reported net income and diluted earnings per share for the three and twelve months ended December 31, 2024. globenewswire.com - 3 months ago
Exploring Analyst Estimates for NBT (NBTB) Q4 Earnings, Beyond Revenue and EPS Evaluate the expected performance of NBT (NBTB) for the quarter ended December 2024, looking beyond the conventional Wall Street top-and-bottom-line estimates and examining some of its key metrics for better insight. zacks.com - 3 months ago
NBT Bancorp Inc. Announces Date of Fourth Quarter Conference Call NORWICH, N.Y., Jan. 02, 2025 (GLOBE NEWSWIRE) -- NBT Bancorp Inc. (“NBT” or the “Company”) (NASDAQ: NBTB) will release details of its financial results for the fourth quarter 2024 on Monday, January 27, 2025, following the market close. globenewswire.com - 3 months ago
8. Profile Summary

NBT Bancorp Inc. NBTB

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 1.95 B
Dividend Yield 0.71%
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 2083
Officers Ms. Cynthia A. Smaniotto Senior Vice President & Chief Human Resources Officer Mr. Joseph R. Stagliano Senior Executive Vice President Mr. Scott A. Kingsley CPA President, Chief Executive Officer & Director Ms. Amy C. Wiles Executive Vice President and Chief Credit & Risk Officer Mr. Martin Randolph Sparks Executive Vice President, General Counsel, Chief Ethics Officer & Corporate Secretary Ms. Annette L. Burns Executive Vice President & Chief Financial Officer Ms. Ruth H. Mahoney Executive Vice President & President of Wealth Management Ms. Florence R. Doller Senior Vice President & Director of Corporate Communications Mr. Kenneth J. Entenmann C.F.A. Senior Vice President, Chief Investment Officer & Chief Economist Ms. Shauna M. Hyle Executive Vice President of Retail Community Banking