N B T BANCORP INC (NBTB)
US6287781024 - Common Stock
Taking everything into account, NBTB scores 3 out of 10 in our fundamental rating. NBTB was compared to 406 industry peers in the Banks industry. Both the profitability and financial health of NBTB have multiple concerns. NBTB is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
NBTB had positive earnings in the past year.
In the past year NBTB had a positive cash flow from operations.
In the past 5 years NBTB has always been profitable.
In the past 5 years NBTB always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.98%, NBTB is in the better half of the industry, outperforming 68.32% of the companies in the same industry.
NBTB has a Return On Equity (8.88%) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.98% | ||
| ROE | 8.88% | ||
| ROIC | N/A |
ROA(3y)1.16%
ROA(5y)1.14%
ROE(3y)11.22%
ROE(5y)10.65%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 23.86%, NBTB is in line with its industry, outperforming 57.67% of the companies in the same industry.
NBTB's Profit Margin has declined in the last couple of years.
NBTB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 23.86% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.33%
PM growth 5Y-2.69%
GM growth 3YN/A
GM growth 5YN/A
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 more shares outstanding
Compared to 5 years ago, NBTB has more shares outstanding
Compared to 1 year ago, NBTB has an improved debt to assets ratio.
2.2 Solvency
NBTB has a debt to FCF ratio of 2.78. This is a good value and a sign of high solvency as NBTB would need 2.78 years to pay back of all of its debts.
NBTB has a Debt to FCF ratio (2.78) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.30 indicates that NBTB is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.30, NBTB is doing worse than 66.09% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 2.78 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.38%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
NBTB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -14.50%.
NBTB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.64% yearly.
NBTB shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.58%.
NBTB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.87% yearly.
EPS 1Y (TTM)-14.5%
EPS 3Y9.62%
EPS 5Y3.64%
EPS Q2Q%-4.76%
Revenue 1Y (TTM)9.58%
Revenue growth 3Y4.05%
Revenue growth 5Y3.87%
Sales Q2Q%-13.36%
3.2 Future
NBTB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.51% yearly.
NBTB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.29% yearly.
EPS Next Y-7.73%
EPS Next 2Y3.54%
EPS Next 3Y9.51%
EPS Next 5YN/A
Revenue Next Year9.33%
Revenue Next 2Y13.09%
Revenue Next 3Y13.29%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 16.91, which indicates a correct valuation of NBTB.
NBTB's Price/Earnings ratio is a bit more expensive when compared to the industry. NBTB is more expensive than 70.79% of the companies in the same industry.
When comparing the Price/Earnings ratio of NBTB to the average of the S&P500 Index (27.73), we can say NBTB is valued slightly cheaper.
The Price/Forward Earnings ratio is 14.07, which indicates a correct valuation of NBTB.
Compared to the rest of the industry, the Price/Forward Earnings ratio of NBTB indicates a slightly more expensive valuation: NBTB is more expensive than 65.59% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.83. NBTB is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.91 | ||
| Fwd PE | 14.07 |
4.2 Price Multiples
NBTB's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.06 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)4.65
EPS Next 2Y3.54%
EPS Next 3Y9.51%
5. Dividend
5.1 Amount
NBTB has a Yearly Dividend Yield of 2.63%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.02, NBTB has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.24, NBTB has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.63% |
5.2 History
The dividend of NBTB has a limited annual growth rate of 4.74%.
NBTB has paid a dividend for at least 10 years, which is a reliable track record.
NBTB has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)4.74%
Div Incr Years12
Div Non Decr Years25
5.3 Sustainability
NBTB pays out 45.39% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of NBTB is growing, but earnings are growing more, so the dividend growth is sustainable.
DP45.39%
EPS Next 2Y3.54%
EPS Next 3Y9.51%
N B T BANCORP INC
NASDAQ:NBTB (12/20/2024, 8:26:36 PM)
After market: 48.88 0 (0%)48.88
+0.61 (+1.26%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners62.61%
Inst Owner Change2.58%
Ins Owners3.59%
Ins Owner Change-5.33%
Market Cap2.31B
Analysts78
Price Target50.75 (3.83%)
Short Float %2.67%
Short Ratio5.94
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.63% |
Dividend Growth(5Y)4.74%
DP45.39%
Div Incr Years12
Div Non Decr Years25
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.07%
Min EPS beat(2)-1.25%
Max EPS beat(2)1.1%
EPS beat(4)1
Avg EPS beat(4)-1.95%
Min EPS beat(4)-5.65%
Max EPS beat(4)1.1%
EPS beat(8)4
Avg EPS beat(8)0.72%
EPS beat(12)7
Avg EPS beat(12)1.84%
EPS beat(16)11
Avg EPS beat(16)5.4%
Revenue beat(2)0
Avg Revenue beat(2)-21.21%
Min Revenue beat(2)-21.33%
Max Revenue beat(2)-21.08%
Revenue beat(4)1
Avg Revenue beat(4)-11.78%
Min Revenue beat(4)-21.33%
Max Revenue beat(4)1.84%
Revenue beat(8)2
Avg Revenue beat(8)-7.92%
Revenue beat(12)4
Avg Revenue beat(12)-5.09%
Revenue beat(16)5
Avg Revenue beat(16)-4.29%
PT rev (1m)1.79%
PT rev (3m)2.58%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.75%
EPS NY rev (1m)0%
EPS NY rev (3m)2.11%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.27%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.88%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.91 | ||
| Fwd PE | 14.07 | ||
| P/S | 4.07 | ||
| P/FCF | 14.06 | ||
| P/OCF | 13.17 | ||
| P/B | 1.52 | ||
| P/tB | 2.05 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.89
EY5.91%
EPS(NY)3.47
Fwd EY7.11%
FCF(TTM)3.48
FCFY7.11%
OCF(TTM)3.71
OCFY7.59%
SpS12
BVpS32.26
TBVpS23.83
PEG (NY)N/A
PEG (5Y)4.65
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.98% | ||
| ROE | 8.88% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 23.86% | ||
| GM | N/A | ||
| FCFM | 28.97% |
ROA(3y)1.16%
ROA(5y)1.14%
ROE(3y)11.22%
ROE(5y)10.65%
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 3Y0.33%
PM growth 5Y-2.69%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 2.78 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 55.32% | ||
| Cap/Sales | 1.95% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 121.4% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC10.38%
ROIC/WACCN/A
Cap/Depr(3y)58.87%
Cap/Depr(5y)57.82%
Cap/Sales(3y)1.58%
Cap/Sales(5y)1.59%
Profit Quality(3y)112.83%
Profit Quality(5y)118.24%
High Growth Momentum
Growth
EPS 1Y (TTM)-14.5%
EPS 3Y9.62%
EPS 5Y3.64%
EPS Q2Q%-4.76%
EPS Next Y-7.73%
EPS Next 2Y3.54%
EPS Next 3Y9.51%
EPS Next 5YN/A
Revenue 1Y (TTM)9.58%
Revenue growth 3Y4.05%
Revenue growth 5Y3.87%
Sales Q2Q%-13.36%
Revenue Next Year9.33%
Revenue Next 2Y13.09%
Revenue Next 3Y13.29%
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 1Y-2.68%
FCF growth 3Y2.63%
FCF growth 5Y1.09%
OCF growth 1Y-0.48%
OCF growth 3Y2.71%
OCF growth 5Y1.27%