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STOCKS

NBT Bancorp (NBTB)

NASDAQ:NBTB

NBTB

NBT Bancorp

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NBT Bancorp (NBTB) Ratios

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NBT Bancorp Ratios

NBTB's free cash flow for Q1 2025 was $0.73. For the 2025 fiscal year, NBTB's free cash flow was decreased by $ and operating cash flow was $0.23. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.04	0.14	2.95	30.23	12.00
Quick Ratio	0.04	0.14	2.95	30.23	12.00
Cash Ratio	0.02	0.02	0.34	12.98	3.99
Solvency Ratio	0.01	0.01	0.02	0.02	0.01
Operating Cash Flow Ratio	0.02	0.01	0.31	1.61	0.85
Short-Term Operating Cash Flow Coverage	2.26	0.41	0.37	1.61	0.85
Net Current Asset Value	$ -11.86B	$ -10.25B	$ -8.84B	$ -7.81B	$ -7.72B
Leverage Ratios
Debt-to-Assets Ratio	0.02	0.05	0.07	0.03	0.04
Debt-to-Equity Ratio	0.20	0.45	0.67	0.25	0.34
Debt-to-Capital Ratio	0.17	0.31	0.40	0.20	0.26
Long-Term Debt-to-Capital Ratio	0.13	0.15	0.15	0.15	0.17
Financial Leverage Ratio	8.85	9.34	10.00	9.61	9.21
Debt Service Coverage Ratio	0.59	0.27	0.33	1.50	0.62
Interest Coverage Ratio	0.89	1.06	9.97	10.64	4.08
Debt to Market Cap	0.15	0.34	0.38	0.19	0.29
Interest Debt Per Share	11.04	17.58	18.87	7.61	10.06
Net Debt to EBITDA	0.28	2.46	2.74	-4.36	-1.73
Profitability Margins
Gross Profit Margin	71.27%	74.36%	100.00%	100.00%	100.00%
EBIT Margin	23.07%	23.17%	38.08%	41.99%	29.02%
EBITDA Margin	26.54%	26.53%	41.78%	46.17%	33.50%
Operating Profit Margin	23.07%	23.17%	42.33%	41.99%	29.02%
Pretax Profit Margin	23.07%	23.17%	38.08%	41.99%	29.02%
Net Profit Margin	18.05%	17.93%	29.51%	32.54%	22.76%
Continuous Operations Profit Margin	18.05%	17.93%	29.51%	32.54%	22.76%
Net Income Per EBT	78.25%	77.40%	77.49%	77.50%	78.44%
EBT Per EBIT	100.00%	100.00%	89.96%	100.00%	100.00%
Return on Assets (ROA)	1.04%	0.89%	1.29%	1.29%	0.95%
Return on Equity (ROE)	9.45%	8.33%	12.95%	12.39%	8.79%
Return on Capital Employed (ROCE)	8.86%	7.86%	1.95%	1.68%	1.24%
Return on Invested Capital (ROIC)	6.66%	5.08%	3.78%	2.68%	2.38%
Return on Tangible Assets	1.07%	0.92%	1.33%	1.32%	0.98%
Earnings Yield	7.67%	6.37%	8.16%	9.26%	7.44%
Efficiency Ratios
Receivables Turnover	0.00	0.00	0.00	0.00	0.00
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	9.75	8.21	7.46	6.60	6.18
Asset Turnover	0.06	0.05	0.04	0.04	0.04
Working Capital Turnover Ratio	-0.07	-0.07	0.26	0.20	0.38
Cash Conversion Cycle	0.00	0.00	0.00	0.00	0.00
Days of Sales Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	0.00	0.00	0.00	0.00	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	4.11	3.54	4.27	3.63	3.26
Free Cash Flow Per Share	3.84	3.33	4.11	3.45	3.07
CapEx Per Share	0.28	0.21	0.16	0.18	0.19
Free Cash Flow to Operating Cash Flow	0.93	0.94	0.96	0.95	0.94
Dividend Paid and CapEx Coverage Ratio	2.54	2.42	3.23	2.84	2.57
Capital Expenditure Coverage Ratio	14.89	17.02	26.14	20.37	17.46
Operating Cash Flow Coverage Ratio	0.62	0.25	0.23	0.51	0.35
Operating Cash Flow to Sales Ratio	0.24	0.24	0.36	0.33	0.31
Free Cash Flow Yield	8.70%	7.95%	9.46%	8.96%	9.57%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	13.03	15.70	12.26	10.80	13.44
Price-to-Sales (P/S) Ratio	2.61	2.81	3.62	3.51	3.06
Price-to-Book (P/B) Ratio	1.19	1.31	1.59	1.34	1.18
Price-to-Free Cash Flow (P/FCF) Ratio	11.49	12.58	10.57	11.16	10.45
Price-to-Operating Cash Flow Ratio	9.65	11.84	10.17	10.61	9.85
Price-to-Earnings Growth (PEG) Ratio	6.47	-0.64	-14.59	0.22	-1.00
Price-to-Fair Value	1.19	1.31	1.59	1.34	1.18
Enterprise Value Multiple	10.12	13.07	11.40	3.25	7.40
Enterprise Value	2.14B	2.30B	2.45B	714.98M	1.14B
EV to EBITDA	10.12	13.07	11.40	3.25	7.40
EV to Sales	2.69	3.47	4.76	1.50	2.48
EV to Free Cash Flow	11.82	15.50	13.93	4.77	8.47
EV to Operating Cash Flow	11.02	14.59	13.39	4.54	7.98
Tangible Book Value Per Share	24.81	23.00	20.62	22.13	20.49
Shareholders’ Equity Per Share	33.24	32.05	27.34	28.80	27.18
Tax and Other Ratios
Effective Tax Rate	0.22	0.23	0.23	0.23	0.22
Revenue Per Share	16.88	14.89	12.00	10.96	10.50
Net Income Per Share	3.05	2.67	3.54	3.57	2.39
Tax Burden	0.78	0.77	0.77	0.77	0.78
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.31	0.30	0.37	0.42	0.41
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	1.35	1.33	1.21	1.02	1.36

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