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N B T BANCORP INC (NBTB) Stock Fundamental Analysis

NASDAQ:NBTB - Nasdaq - US6287781024 - Common Stock - Currency: USD

44.34  -0.22 (-0.49%)

After market: 44.5 +0.16 (+0.36%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to NBTB. NBTB was compared to 402 industry peers in the Banks industry. NBTB has a bad profitability rating. Also its financial health evaluation is rather negative. NBTB has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

NBTB had positive earnings in the past year.
NBTB had a positive operating cash flow in the past year.
In the past 5 years NBTB has always been profitable.
NBTB had a positive operating cash flow in each of the past 5 years.
NBTB Yearly Net Income VS EBIT VS OCF VS FCFNBTB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

1.2 Ratios

The Return On Assets of NBTB (1.02%) is better than 69.40% of its industry peers.
Looking at the Return On Equity, with a value of 9.22%, NBTB is in the better half of the industry, outperforming 60.70% of the companies in the same industry.
Industry RankSector Rank
ROA 1.02%
ROE 9.22%
ROIC N/A
ROA(3y)1.07%
ROA(5y)1.09%
ROE(3y)10.16%
ROE(5y)10.33%
ROIC(3y)N/A
ROIC(5y)N/A
NBTB Yearly ROA, ROE, ROICNBTB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

The Profit Margin of NBTB (24.38%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of NBTB has declined.
NBTB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 24.38%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9%
PM growth 5Y-1.7%
GM growth 3YN/A
GM growth 5YN/A
NBTB Yearly Profit, Operating, Gross MarginsNBTB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

2. Health

2.1 Basic Checks

NBTB does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, NBTB has about the same amount of shares outstanding.
NBTB has more shares outstanding than it did 5 years ago.
NBTB has a better debt/assets ratio than last year.
NBTB Yearly Shares OutstandingNBTB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
NBTB Yearly Total Debt VS Total AssetsNBTB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

NBTB has a debt to FCF ratio of 2.35. This is a good value and a sign of high solvency as NBTB would need 2.35 years to pay back of all of its debts.
NBTB has a Debt to FCF ratio (2.35) which is in line with its industry peers.
NBTB has a Debt/Equity ratio of 0.27. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.27, NBTB is not doing good in the industry: 61.19% of the companies in the same industry are doing better.
Even though the debt/equity ratio score it not favorable for NBTB, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF 2.35
Altman-Z N/A
ROIC/WACCN/A
WACC13.55%
NBTB Yearly LT Debt VS Equity VS FCFNBTB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
NBTB Yearly Current Assets VS Current LiabilitesNBTB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

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6

3. Growth

3.1 Past

The earnings per share for NBTB have decreased by -9.26% in the last year.
Measured over the past 5 years, NBTB shows a small growth in Earnings Per Share. The EPS has been growing by 1.64% on average per year.
NBTB shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.87%.
NBTB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.84% yearly.
EPS 1Y (TTM)-9.26%
EPS 3Y-6%
EPS 5Y1.64%
EPS Q2Q%6.94%
Revenue 1Y (TTM)10.87%
Revenue growth 3Y6.41%
Revenue growth 5Y4.84%
Sales Q2Q%-10.87%

3.2 Future

NBTB is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 22.14% yearly.
The Revenue is expected to grow by 15.93% on average over the next years. This is quite good.
EPS Next Y19.84%
EPS Next 2Y22.14%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year19.59%
Revenue Next 2Y15.93%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
NBTB Yearly Revenue VS EstimatesNBTB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M
NBTB Yearly EPS VS EstimatesNBTB Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4

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4

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 15.08, the valuation of NBTB can be described as correct.
NBTB's Price/Earnings ratio is a bit more expensive when compared to the industry. NBTB is more expensive than 66.92% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 29.35. NBTB is valued slightly cheaper when compared to this.
NBTB is valuated correctly with a Price/Forward Earnings ratio of 12.58.
Based on the Price/Forward Earnings ratio, NBTB is valued a bit more expensive than the industry average as 61.44% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.10, NBTB is valued a bit cheaper.
Industry RankSector Rank
PE 15.08
Fwd PE 12.58
NBTB Price Earnings VS Forward Price EarningsNBTB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

NBTB's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 11.85
EV/EBITDA N/A
NBTB Per share dataNBTB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

NBTB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as NBTB's earnings are expected to grow with 22.14% in the coming years.
PEG (NY)0.76
PEG (5Y)9.18
EPS Next 2Y22.14%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

NBTB has a Yearly Dividend Yield of 3.05%.
Compared to an average industry Dividend Yield of 3.37, NBTB has a dividend in line with its industry peers.
NBTB's Dividend Yield is a higher than the S&P500 average which is at 2.33.
Industry RankSector Rank
Dividend Yield 3.05%

5.2 History

The dividend of NBTB has a limited annual growth rate of 4.78%.
NBTB has paid a dividend for at least 10 years, which is a reliable track record.
NBTB has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)4.78%
Div Incr Years12
Div Non Decr Years25
NBTB Yearly Dividends per shareNBTB Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

NBTB pays out 44.27% of its income as dividend. This is a bit on the high side, but may be sustainable.
NBTB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP44.27%
EPS Next 2Y22.14%
EPS Next 3YN/A
NBTB Yearly Income VS Free CF VS DividendNBTB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
NBTB Dividend Payout.NBTB Dividend Payout, showing the Payout Ratio.NBTB Dividend Payout.PayoutRetained Earnings

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N B T BANCORP INC

NASDAQ:NBTB (3/7/2025, 8:00:01 PM)

After market: 44.5 +0.16 (+0.36%)

44.34

-0.22 (-0.49%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27 2025-01-27/amc
Earnings (Next)04-21 2025-04-21/amc
Inst Owners68.22%
Inst Owner Change11.51%
Ins Owners3.21%
Ins Owner Change-6.59%
Market Cap2.10B
Analysts81.82
Price Target56.87 (28.26%)
Short Float %3.35%
Short Ratio6.8
Dividend
Industry RankSector Rank
Dividend Yield 3.05%
Yearly Dividend1.32
Dividend Growth(5Y)4.78%
DP44.27%
Div Incr Years12
Div Non Decr Years25
Ex-Date03-03 2025-03-03 (0.34)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.2%
Min EPS beat(2)-1.5%
Max EPS beat(2)1.1%
EPS beat(4)1
Avg EPS beat(4)-0.91%
Min EPS beat(4)-2.01%
Max EPS beat(4)1.1%
EPS beat(8)4
Avg EPS beat(8)1.64%
EPS beat(12)7
Avg EPS beat(12)1.81%
EPS beat(16)10
Avg EPS beat(16)4.04%
Revenue beat(2)0
Avg Revenue beat(2)-21.13%
Min Revenue beat(2)-21.18%
Max Revenue beat(2)-21.08%
Revenue beat(4)1
Avg Revenue beat(4)-15.44%
Min Revenue beat(4)-21.33%
Max Revenue beat(4)1.84%
Revenue beat(8)2
Avg Revenue beat(8)-10.34%
Revenue beat(12)3
Avg Revenue beat(12)-7%
Revenue beat(16)4
Avg Revenue beat(16)-5.65%
PT rev (1m)0.45%
PT rev (3m)12.06%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.27%
EPS NY rev (1m)0.59%
EPS NY rev (3m)1.43%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.27%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.38%
Valuation
Industry RankSector Rank
PE 15.08
Fwd PE 12.58
P/S 3.63
P/FCF 11.85
P/OCF 11.11
P/B 1.37
P/tB 1.86
EV/EBITDA N/A
EPS(TTM)2.94
EY6.63%
EPS(NY)3.52
Fwd EY7.95%
FCF(TTM)3.74
FCFY8.44%
OCF(TTM)3.99
OCFY9%
SpS12.21
BVpS32.3
TBVpS23.85
PEG (NY)0.76
PEG (5Y)9.18
Profitability
Industry RankSector Rank
ROA 1.02%
ROE 9.22%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.38%
GM N/A
FCFM 30.65%
ROA(3y)1.07%
ROA(5y)1.09%
ROE(3y)10.16%
ROE(5y)10.33%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9%
PM growth 5Y-1.7%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF 2.35
Debt/EBITDA N/A
Cap/Depr 58.8%
Cap/Sales 2.04%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 125.73%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC13.55%
ROIC/WACCN/A
Cap/Depr(3y)58.26%
Cap/Depr(5y)59.51%
Cap/Sales(3y)1.72%
Cap/Sales(5y)1.71%
Profit Quality(3y)122.14%
Profit Quality(5y)119.11%
High Growth Momentum
Growth
EPS 1Y (TTM)-9.26%
EPS 3Y-6%
EPS 5Y1.64%
EPS Q2Q%6.94%
EPS Next Y19.84%
EPS Next 2Y22.14%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.87%
Revenue growth 3Y6.41%
Revenue growth 5Y4.84%
Sales Q2Q%-10.87%
Revenue Next Year19.59%
Revenue Next 2Y15.93%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y19.31%
FCF growth 3Y5.29%
FCF growth 5Y3.78%
OCF growth 1Y19.76%
OCF growth 3Y5.81%
OCF growth 5Y4.2%