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N B T BANCORP INC (NBTB) Stock Fundamental Analysis

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

39.76  +0.18 (+0.45%)

After market: 39.76 0 (0%)

Fundamental Rating

4

Overall NBTB gets a fundamental rating of 4 out of 10. We evaluated NBTB against 398 industry peers in the Banks industry. NBTB has a bad profitability rating. Also its financial health evaluation is rather negative. NBTB has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year NBTB was profitable.
In the past year NBTB had a positive cash flow from operations.
NBTB had positive earnings in each of the past 5 years.
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

Looking at the Return On Assets, with a value of 1.02%, NBTB is in the better half of the industry, outperforming 68.84% of the companies in the same industry.
NBTB has a Return On Equity of 9.22%. This is in the better half of the industry: NBTB outperforms 60.30% of its industry peers.
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

NBTB has a Profit Margin (24.38%) which is in line with its industry peers.
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 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.
Compared to 1 year ago, NBTB has an improved debt to assets ratio.
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

The Debt to FCF ratio of NBTB is 2.35, which is a good value as it means it would take NBTB, 2.35 years of fcf income to pay off 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.
NBTB has a worse Debt to Equity ratio (0.27) than 63.07% of its industry peers.
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
WACC13.98%
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

NBTB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -9.26%.
NBTB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.64% yearly.
NBTB shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.87%.
Measured over the past years, NBTB shows a small growth in Revenue. The Revenue has been growing by 4.84% on average per year.
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

The Earnings Per Share is expected to grow by 21.24% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 15.84% on average over the next years. This is quite good.
EPS Next Y18.77%
EPS Next 2Y21.24%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year19.19%
Revenue Next 2Y15.84%
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

A Price/Earnings ratio of 13.52 indicates a correct valuation of NBTB.
Based on the Price/Earnings ratio, NBTB is valued a bit more expensive than the industry average as 65.33% of the companies are valued more cheaply.
NBTB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.29.
With a Price/Forward Earnings ratio of 11.39, the valuation of NBTB can be described as very reasonable.
Based on the Price/Forward Earnings ratio, NBTB is valued a bit more expensive than 62.56% of the companies in the same industry.
NBTB's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 21.08.
Industry RankSector Rank
PE 13.52
Fwd PE 11.39
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

The rest of the industry has a similar Price/Free Cash Flow ratio as NBTB.
Industry RankSector Rank
P/FCF 10.63
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 21.24% in the coming years.
PEG (NY)0.72
PEG (5Y)8.23
EPS Next 2Y21.24%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

NBTB has a Yearly Dividend Yield of 3.42%.
NBTB's Dividend Yield is comparable with the industry average which is at 3.70.
Compared to an average S&P500 Dividend Yield of 2.52, NBTB pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.42%

5.2 History

The dividend of NBTB has a limited annual growth rate of 4.78%.
NBTB has been paying a dividend for at least 10 years, so it has 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.
The dividend of NBTB is growing, but earnings are growing more, so the dividend growth is sustainable.
DP44.27%
EPS Next 2Y21.24%
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 (4/17/2025, 8:00:02 PM)

After market: 39.76 0 (0%)

39.76

+0.18 (+0.45%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27 2025-01-27/amc
Earnings (Next)04-24 2025-04-24/amc
Inst Owners68.22%
Inst Owner Change-0.94%
Ins Owners3.21%
Ins Owner Change-4.65%
Market Cap1.88B
Analysts80
Price Target55.69 (40.07%)
Short Float %3.17%
Short Ratio7.13
Dividend
Industry RankSector Rank
Dividend Yield 3.42%
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)-2.06%
PT rev (3m)2.25%
EPS NQ rev (1m)0.79%
EPS NQ rev (3m)0.52%
EPS NY rev (1m)-0.89%
EPS NY rev (3m)-0.31%
Revenue NQ rev (1m)1.02%
Revenue NQ rev (3m)3.31%
Revenue NY rev (1m)-0.33%
Revenue NY rev (3m)1.64%
Valuation
Industry RankSector Rank
PE 13.52
Fwd PE 11.39
P/S 3.26
P/FCF 10.63
P/OCF 9.96
P/B 1.23
P/tB 1.67
EV/EBITDA N/A
EPS(TTM)2.94
EY7.39%
EPS(NY)3.49
Fwd EY8.78%
FCF(TTM)3.74
FCFY9.41%
OCF(TTM)3.99
OCFY10.04%
SpS12.21
BVpS32.29
TBVpS23.85
PEG (NY)0.72
PEG (5Y)8.23
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
WACC13.98%
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 Y18.77%
EPS Next 2Y21.24%
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 Year19.19%
Revenue Next 2Y15.84%
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%