NBT Bancorp Inc. (NBTB)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 459 | 476 | 515 | 518 | 574 | 658 | 739 | - |
| Operating profit | $m | 219 | 277 | ||||||
| Net profit | $m | 104 | 155 | 152 | 119 | 141 | 169 | 214 | 213 |
| EPS reported | $ | 3.33 | 4.08 | ||||||
| Operating cashflow per share | $ | 4.99 | 5.01 | ||||||
| Capex per share | $ | 0.35 | 0.31 | ||||||
| FCF per share | $ | 4.65 | 4.71 | ||||||
| Free cash flow | $m | 219 | 246 | ||||||
| Net debt | $m | 142 | 284 | ||||||
| Book value equity | $m | 1,896 | 1,944 | ||||||
| Book value per share | $ | 37.27 | 37.13 | ||||||
| Number of shares | m | 50.88 | 52.35 | ||||||
| DPS (TTM paid) | $ | 1.42 | 1.51 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 12.47 | 12.46 | ||||||
| P/B LTM | x | 1.03 | 1.01 | ||||||
| P/S LTM | x | 2.97 | 2.65 | ||||||
| P/FCF LTM | x | 8.93 | 7.96 | ||||||
| EV/EBITDA LTM | x | 8.71 | 6.96 | ||||||
| EV/Sales LTM | x | 2.42 | 3.25 | ||||||
| Earnings Yield LTM | % | +8.02% | +8.03% | ||||||
| FCF Yield | % | +11.19% | +12.56% | ||||||
| Quality | |||||||||
| ROE | % | +8.92% | +11.26% | ||||||
| ROIC | % | +1.06% | +1.32% | ||||||
| Operating margin | % | +25.30% | +29.34% | ||||||
| Gross margin | % | +72.14% | +76.57% | ||||||
| FCF/Sales | % | +25.24% | +25.98% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +12.50% | +37.84% | ||||||
| Sales Growth YoY | % | +14.54% | +28.70% | ||||||
| Net Income Growth YoY | % | +20.33% | +52.27% | ||||||
| FCF Growth | % | +23.80% | +38.90% | ||||||
| Operating Profit Growth | % | +22.28% | +54.52% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +3.71% | +2.76% | ||||||
| Dividend Growth | % | +7.58% | +14.39% | ||||||
| Payout Ratio | % | +42.85% | +37.03% | ||||||
| FCF/Debt | x | 0.67 | 0.52 | ||||||
| Net Debt/EBITDA | x | 0.59 | 0.94 | ||||||
| EBIT/Net interest | x | 1.05 | 1.35 | ||||||
| Net debt/market cap | % | +16.74% | +16.91% | ||||||
| Net debt/Equity | x | 0.08 | 0.15 | ||||||
| Gross debt/equity | x | 0.17 | 0.24 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
NBT Bancorp Inc., a financial holding company, provides personal and commercial banking, retail banking, and wealth management services in the United States. It operates through Banking, Retirement Plan Administration, and All Other segments. The company offers demand deposit, savings, interest-bearing checking, money market deposit, and certificate of deposit accounts; and indirect and direct consumer loans, home equity loans and lines of credit, residential mortgages, business banking loans, commercial and industrial loans, agricultural loans, commercial construction loans, commercial real estate loans, indirect auto loans, and other consumer loans, as well as agricultural lending, personal lines of credit, overdraft protection, and second mortgage loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan and health savings account recordkeeping and administration, and actuarial services. In addition, the company offers insurance products, such as personal property and casualty, business liability, and commercial insurance; and other products and services through a network of ATM locations and 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. Further, it operates as a property management and passive investment company, as well as investment advisor that provides investment management and financial consulting services. The company serves retail, commercial, and municipal customers. It operates in upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
NBT Bancorp Inc., a financial holding company, provides personal and commercial banking, retail banking, and wealth management services in the United States. It operates through Banking, Retirement Plan Administration, and All Other segments. The company offers demand deposit, savings, interest-bearing checking, money market deposit, and certificate of deposit accounts; and indirect and direct consumer loans, home equity loans and lines of credit, residential mortgages, business banking loans, commercial and industrial loans, agricultural loans, commercial construction loans, commercial real estate loans, indirect auto loans, and other consumer loans, as well as agricultural lending, personal lines of credit, overdraft protection, and second mortgage loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan and health savings account recordkeeping and administration, and actuarial services. In addition, the company offers insurance products, such as personal property and casualty, business liability, and commercial insurance; and other products and services through a network of ATM locations and 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. Further, it operates as a property management and passive investment company, as well as investment advisor that provides investment management and financial consulting services. The company serves retail, commercial, and municipal customers. It operates in upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York.
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